Uloga dobrovoljne mirovinske štednje u održavanju primjerenog standarda u mirovini

master's thesis

• Title (english): The role of voluntary retirement savings in maintaining an adequate standard in pension
• Author: Mirela Vlašić
• Mentor: Jakša Krišto (mentor); MBZ: 286511
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Martina Nakić (član povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-21, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Mirovinski sustavi brojnih zemalja susreću se s problemom održivosti. Demografski trendovi kao što su starenje stanovništva i emigracije mladog stanovništva stvaraju veliki pritisak na mirovine koje se isplaćuju na temelju međugeneracijske solidarnosti. Kao odgovor na brojne izazove kojima su izloženi mirovinski sustavi, države nastoje ublažiti njihov utjecaj reformama. Zbog financijske neravnoteže mirovinskog sustava javlja se potreba za dobrovoljnom mirovinskom štednjom, bilo putem mirovinskih fondova, ulaganja u nekretnine ili ostalim štednim proizvodima koje se nude na financijskom tržištu. U Hrvatskoj se povećava broj članova u dobrovoljnim mirovinskim fondovima što predstavlja pozitivan trend. Svrha ovog rada je ukazati na izazove s kojima se suočavaju mirovinski sustavi, analizirati primjerenost mirovinskog sustava Republike Hrvatske, te usporediti mirovinski sustav Republike Hrvatske s Danskim i Španjolskim mirovinskom sustavom.

Abstract (english)

The pension systems of many countries face the problem of sustainability. Demographic trends such as population aging and emigration of the young people create great pressure on pensions paid on the basis of pay-as-you-go. In response to the many challenges facing pension systems, countries are seeking to ease their impact with reforms. Due to the financial imbalance of the pension system, there is a need for voluntary pension savings, either through pension funds, real estate investments or other savings products offered on the financial market. In Croatia, the number of members in voluntary pension funds is increasing, which is a positive trend. The purpose of this paper is to point out the challenges faced by pension systems, to analyze the adequacy of the pension system of the Republic of Croatia, and to compare the pension system of the Republic of Croatia with Denmark and Spain pension systems.

• Keywords: mirovinski sustav; dobrovoljna mirovinska štednja; primjerenost mirovina; mirovinska reforma; izazovi mirovinskih sustava
• Keywords (english): pension system; voluntary pension savings; pension adequacy; pension reform; challenges of pension systems
• Language: croatian
• URN:NBN: urn:nbn:hr:148:203170
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2021-09-22 17:02:21