Voluntary pension insurance in the Republic of Croatia

Diplomski rad donosi prikaz dobrovoljnog mirovinskog osiguranja u Republici Hrvatskoj od razdoblja njegova uvođenja 2002. godine pa do danas. Dobrovljnom mirovinsko osiguranje sastoji se od toga da član fonda, nakon što s mirovinskim društvom sklopi ugovor o članstvu, prema svom nahođenju određuje tempo i visinu uplata doznaka na svoj osobni račun. Mirovinsko društvo upravlja mirovinskim fondom odnosno može upravljati s više mirovinskih fondova. Pored mirovinskog društva to mogu biti i društvo za upravljanje obveznim mirovinskim fondovima ili društvo za upravljanje UCITS fondovima. Tu je važna i uloga depozitara koji zapravo evidentira i brine o imovini fonda i o tome obaviještava mirovinsko društvo. Član fonda ostvaruje prava iz dobrovoljnog mirovinskog osiguranja sa 55 godina života te tada može početi uživati mirovinu iz dobrovoljnog mirovinskog osiguranja. Trenutno u Republici Hrvatskoj postoji 8 otvorenih dobrovoljnih mirovinskih fondova sa neto imovinom većom od šest milijardi kuna te 20 zatvorenih dobrovoljnih mirovinskih fondova sa neto imovinom iznad jedne milijarde kuna.The thesis presents an overview of voluntary pension insurance in the Republic of Croatia from the period of its introduction in 2002 until today. Voluntary pension insurance system consists of a member of the fund, which, after concluding a membership agreement with the pension company, at its discretion determines the pace and amount of remittance payments to his personal account. A pension company manages a pension fund, ie it can manage several pension funds. In addition to the pension company, it can also be a company for the management of mandatory pension funds or a company for the management of UCITS funds. The role of the depositary is also important, as it actually records and takes care of the fund's assets and informs the pension company about it. A member of the fund exercises his / her rights from voluntary pension insurance at the age of 55 and can then start enjoying a pension from voluntary pension insurance. Currently in the Republic of Croatia there are 8 open-ended voluntary pension funds with net assets of more than HRK 6 billion and 20 closed-ended voluntary pension funds with net assets of over HRK 1 billion