INVESTMENT OF THE YOUNGER POPULATION IN VOLUNTARY PENSION FUNDS IN THE REPUBLIC OF CROATIA

Predmet ovog rada su dobrovoljni mirovinski fondovi i ulaganje mlađe populacije u iste. Kroz rad će se provesti detaljna analiza mirovinskih fondova s naglaskom na dobrovoljne mirovinske fondove. Temeljni cilj rada je pokazati važnost socijalne sigurnosti te prednost štednje u dobrovoljnim mirovinskim fondovima. Cilj rada također je utvrditi stavove i iskustva mladih prema ulaganju u dobrovoljne mirovinske fondove. Za potrebe pisanja ovog rada provedeno je istraživanje na prigodnom uzorku od 100 ispitanika, osoba u dobi od 18 do 30 godina starosti. Za obradu podataka korištena je deskriptivna analiza podataka. Iz rezultata istraživanja vidljivo je kako su osobe mlađe životne dobi dobro upoznate s mirovinskim sustavom Republike Hrvatske, no slabiju upoznatost pokazuju s dobrovoljnim mirovinskim fondovima. Nadalje, iako ističu važnost rane brige o mirovini, većina ispitanika ne ulaže niti ima namjeru ulagati u dobrovoljne mirovinske fondove.The subject of this paper is voluntary pension funds and the investment of the younger population in them. a detailed analysis of pension funds with an emphasis on voluntary pension funds will be conducted through the paper. The basic goal of the paper is to show the importance of social security and the advantage of saving in voluntary pension funds. The aim of the paper was also to determine the attitudes and experiences of young people towards investing in voluntary pension funds. For the purposes of writing this paper, a survey was conducted on a convenient sample of 100 respondents, persons aged 18 to 30 years of age. Descriptive data analysis was used for data processing. The results of the research show that people of younger age are well acquainted with the pension system of the Republic of Croatia, but show less familiarity with voluntary pension funds. Furthermore, while emphasizing the importance of early retirement care, most respondents do not invest or intend to invest in voluntary pension funds