prikaz prve stranice dokumenta Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj
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professional thesis
Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj
2017. urn:nbn:hr:145:492713
Raguž, Marko
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek

Cite this document

Raguž, M. (2017). Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj (Professional thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:492713

Raguž, Marko. "Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj." Professional thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2017. https://urn.nsk.hr/urn:nbn:hr:145:492713

Raguž, Marko. "Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj." Professional thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2017. https://urn.nsk.hr/urn:nbn:hr:145:492713

Raguž, M. (2017). 'Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj', Professional thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 12 November 2024, https://urn.nsk.hr/urn:nbn:hr:145:492713

Raguž M. Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj [Professional thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2017 [cited 2024 November 12] Available at: https://urn.nsk.hr/urn:nbn:hr:145:492713

M. Raguž, "Dobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj", Professional thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2017. Available at: https://urn.nsk.hr/urn:nbn:hr:145:492713

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Metadata
TitleDobrovoljni mirovinski fondovi kao oblik dugoročne štednje u Republici Hrvatskoj
Title (english)Voluntary pension funds as a form of long-term savings in Republic of Croatia
AuthorMarko Raguž
MentorBranko Novak (mentor)
Committee memberBranko Matić (predsjednik povjerenstva)
Committee memberBranko Novak (član povjerenstva)
Committee memberBranimir Marković (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Osijek
Defense date and country2017-12-29, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Dugoročna štednja i razmišljanje o potrebi štednje u što ranijoj životnoj fazi povezano je sa očekivanjima vezanim uz štednju i stečenim navikama. Mirovinski sustav predstavlja sustavni mehanizam za dugoročnu štednju, a u sklopu mirovinske reforme omogućena je i štednja kroz dobrovoljne mirovinske fondove. U radu je obrađen mirovinski sustav i analizirana cijela struktura mirovinskih fondova u Republici Hrvatskoj, a posebno dobrovoljni mirovinski fondovi kao oblik dugoročne štednje s niskom razinom rizika. Provedeno je istraživanje temeljem anketnog upitnika na ciljanim skupinama ispitanika. Analizirani su stavovi, mišljenja i preferencije vezano uz financijski i mirovinski sustav, dugoročnu štednju i dobrovoljne mirovinske fondove. Prezentirane su prednosti, pogodnosti i analizirani razlozi slabog ulaganja u dobrovoljne mirovinske fondove. Istraživanje je pokazalo kako većina ljudi bira oročenu štednju u bankama kada razmišlja o dugoročnoj štednji pa je napravljena usporedba ulaganja u štednju u bankama i ulaganja u dobrovoljne mirovinske fondove i prikazana je razlika u ušteđenim sredstvima prema prosječnim podacima o ostvarenim prinosima fondova i kamatnim stopama na oročenja u bankama. Štednju kroz dobrovoljne mirovinske fondove prema do sada ostvarenim prinosima i budućim očekivanjima, uz prednosti i pogodnosti koje ima u odnosu na ostale oblike ulaganja i klasičnu štednju u bankama, svakako treba uzeti u obzir prilikom promišljanja o dugoročnoj štednji u Republici Hrvatskoj.
Abstract (english)
Long-term savings and the need to think about saving as early as possible is related to the expectations associated with savings and gained habbits. The pension system represents a systematic mechanism for long-term savings, and the savings through voluntary pension funds is enabled through pension reform. This paper examines the pension system and analyzes the entire structure of pension funds in the Republic of Croatia, and especially voluntary pension funds as a form of long-term savings with a low level of risk. Research based on the questionnaire survey was conducted on the target groups of respondents. Opinions and preferences related to the financial and pension system, long-term savings and voluntary pension funds were analyzed. The advantages and benefits, as well as reasons for a small number of investments in voluntary pension funds are presented. Research has shown that most people choose savings in banks when thinking of long-term savings. Based on that, the comparison between investments in bank savings and investments in voluntary pension funds was made, showing the difference in the funds saved according to average data on fund returns and interest rates on deposits in banks. Savings through voluntary pension funds, based on the returns that have been achieved so far and future expectations, with the advantages and benefits that it has in relation to other forms of investment and classical savings in banks, should certainly be taken into account when considering long-term savings in the Republic of Croatia.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:492713
Study programmeTitle: Postgraduate specialist study Finance and Banking
Study programme type: university
Study level: postgraduate specialist
Academic / professional title: sveučilišni/a specijalist/specijalistica financija i bankarstva (sveučilišni/a specijalist/specijalistica financija i bankarstva)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2018-03-30 05:45:52