{"id":13152,"date":"2025-04-14T09:23:57","date_gmt":"2025-04-14T07:23:57","guid":{"rendered":"https:\/\/zaposlise.hr\/blog\/?p=13152"},"modified":"2025-04-15T09:24:44","modified_gmt":"2025-04-15T07:24:44","slug":"europska-mirovina","status":"publish","type":"post","link":"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/","title":{"rendered":"Mirovina kao \u0161tednja? Itekako mogu\u0107e"},"content":{"rendered":"<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p>Mirovina u Hrvatskoj ne donosi previ\u0161e optimizma za sigurnu, stabilnu i dostojanstvenu starost. Osobe koje \u017eele biti bezbri\u017ene u svojim umirovljeni\u010dkim danima, moraju po\u010deti \u0161tedjeti ve\u0107 danas.<\/p>\n<p>Jedan od na\u010dina je \u0161tednja uEropskom mirovinom. Radi se o novoj eri mirovinske \u0161tednje u Hrvatskoj.<\/p>\n<p><em>\u017dene \u0107e i\u0107i kasnije u mirovinu. Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/zene-idu-u-mirovinu-kasnije\/\">starosnoj mirovini<\/a> za \u017eene.\u00a0<\/em><\/p>\n<p>Naime, <a href=\"https:\/\/www.finax.eu\/hr\/proizvodi\/pepp?gad_source=1&amp;gbraid=0AAAAACPeIrqeU7qwVx-NoGn9VojA06jXv&amp;gclid=CjwKCAjw5PK_BhBBEiwAL7GTPTDDRR_B-5vMYBY_pKgiFvFbQ5HKSiMt2jTOUGlIU-b4bNY7huTMexoCsHcQAvD_BwE\" target=\"_blank\" rel=\"noopener\">Europska mirovina<\/a> donosi pravu revoluciju u dobrovoljnoj mirovinskoj \u0161tednji.\u00a0 Predstavlja ozbiljnu konkurenciju hrvatskom 3. mirovinskom stupu.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_64 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Sadr\u017eaj<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Europska_mirovina\" title=\"Europska mirovina\">Europska mirovina<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Zasto_je_stednja_vazna\" title=\"Za\u0161to je \u0161tednja va\u017ena?\">Za\u0161to je \u0161tednja va\u017ena?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Mirovinska_stednja\" title=\"Mirovinska \u0161tednja\">Mirovinska \u0161tednja<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Dobrovoljna_mirovinska_stednja_lll_stup\" title=\"Dobrovoljna mirovinska \u0161tednja (lll. stup)\">Dobrovoljna mirovinska \u0161tednja (lll. stup)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Ogranicenja_i_problemi_III_stupa\" title=\"Ograni\u010denja i problemi III. stupa\">Ograni\u010denja i problemi III. stupa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Europska_mirovina_i_rjesavanje_rizika\" title=\"Europska mirovina i rje\u0161avanje rizika\">Europska mirovina i rje\u0161avanje rizika<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Strategije_zivotnog_ciklusa\" title=\"Strategije \u017eivotnog ciklusa\">Strategije \u017eivotnog ciklusa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/#Dostojanstvena_starost\" title=\"Dostojanstvena starost\">Dostojanstvena starost<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Europska_mirovina\"><\/span>Europska mirovina<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"mt-[5px] leading-[1.1111] text-27\/40 lg:text-[40px] lg:mt-[8px] lg:leading-[1.15] js_articleTitle\" data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Radi se o mirovini koja omogu\u0107uje jeftinije, u\u010dinkovitije i transparentnije rje\u0161enje. Kod Europske mirovine nema dr\u017eavnih poticaja, ali ima niz drugih prednosti.<\/p>\n<div id=\"attachment_13166\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13166\" class=\"size-full wp-image-13166\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Europska-mirovina.png\" alt=\"Europska mirovina\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Europska-mirovina.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Europska-mirovina-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Europska-mirovina-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Europska-mirovina-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Europska-mirovina-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13166\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Europska mirovina, starosna mirovina, \u0161tednja; Izvor: Finax.eu<\/span><\/p><\/div>\n<blockquote>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><span style=\"font-size: 14pt\">Tr\u017ei\u0161te dobrovoljne mirovinske \u0161tednje u Hrvatskoj godinama je bilo ograni\u010deno, no sada kona\u010dno ima i zdravu konkurenciju.<\/span><\/p>\n<\/blockquote>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">PEPP \u2013 paneuropski osobni mirovinski proizvod, koji dolazi iz regulacije Europske unije, otvara vrata ve\u0107oj fleksibilnosti i ni\u017eim tro\u0161kovima.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Ovaj proizvod je osmislio Finax, tvrtka koja, me\u0111u ostalim, promovira financijsku pismenost.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/financijska-pismenost\/\">financijskoj pismenosti<\/a> iz na\u0161eg intervjua s Tamarom Vrhovec Sek\u00e1\u010d.\u00a0<\/em><\/p>\n<blockquote>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><span style=\"font-size: 14pt\">Iako smo kao pioniri nai\u0161li na brojne prepreke, prednosti Europske mirovine prepoznalo je ve\u0107 vi\u0161e od 11.000 europskih gra\u0111ana.<\/span><\/p>\n<\/blockquote>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">U Hrvatskoj je vi\u0161e od 20 pravnih osoba koristi porezni benefit. Naime, smatra se porezno priznatim izdatkom do 804 eura, uz mogu\u0107nost uplata direktno iz bruto pla\u0107e.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/povrat-poreza-2025\/\">povratu poreza<\/a> za 2025 godinu.\u00a0<\/em><\/p>\n<div id=\"attachment_13174\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13174\" class=\"size-full wp-image-13174\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Povrat-poreza-1.png\" alt=\"Povrat poreza\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Povrat-poreza-1.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Povrat-poreza-1-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Povrat-poreza-1-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Povrat-poreza-1-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Povrat-poreza-1-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13174\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Povrat poreza; Izvor: Porezna-uprava.hr<\/span><\/p><\/div>\n<h2 data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><span class=\"ez-toc-section\" id=\"Zasto_je_stednja_vazna\"><\/span>Za\u0161to je \u0161tednja va\u017ena?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0160tednja je \u017eivotna \u0161kola i va\u017ena lekcija. Radi se o bitnoj navici i vje\u0161tini koja se mora razvijati od najranije dobi. U su\u0161tini sr radi o tome da se moramo znati oduprijeti \u017eelji da ne\u0161to kupimo.<\/p>\n<p>Kada \u0161tedimo i pona\u0161amo se racionalno prema svojem novcu, postajemo svjesni njegove prave vrijednosti.<\/p>\n<blockquote><p><span style=\"font-size: 14pt\"><a href=\"https:\/\/www.skole.hr\/vaznost-stednje\/\" target=\"_blank\" rel=\"noopener\">\u0160tednja<\/a> nam daje sigurnost i poma\u017ee nam da se lak\u0161e suo\u010dimo sa situacijama kada nam je novac hitno potreban.<\/span><\/p><\/blockquote>\n<p>Radi se o jedinom na\u010dinu da osoba ne do\u0111e\u00a0u beznadnu situaciju u kojoj se bez novca i u\u0161te\u0111evine te\u0161ko snalazimo.<\/p>\n<p>Otkad postoji kovani novac, ljudi su nalazili na\u010dine za \u010duvanje i sakrivanje, odnosno \u0161tednju. Tada su koristile odre\u0111ene posude, koje su se s vremenom pretvorile u kasice raznih oblika.<\/p>\n<p>I taj na\u010din \u0161tednje je uistinu dobar po\u010detak. Kroz simpati\u010dnu gestu djeca u\u010de o vrijednosti novca. Od malih nogu u\u010de da u\u0161teda\u00a0mo\u017ee s vremenom narasti u ne\u0161to znatno ve\u0107e.<\/p>\n<div id=\"attachment_13170\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13170\" class=\"size-full wp-image-13170\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Stednja-euri-novac.png\" alt=\"\u0160tednja, euri, novac\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Stednja-euri-novac.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Stednja-euri-novac-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Stednja-euri-novac-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Stednja-euri-novac-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Stednja-euri-novac-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13170\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">\u0160tednja, euri, novac; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p>Danas imamo na raspolaganju razne na\u010dine \u0161tednje. Jedna od njih je i mirovinska \u0161tednja.<\/p>\n<h2 data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><span class=\"ez-toc-section\" id=\"Mirovinska_stednja\"><\/span>Mirovinska \u0161tednja<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><strong>\u0160to je PEPP i za\u0161to je va\u017ean?<\/strong><\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><a href=\"https:\/\/www.finax.eu\/hr\/proizvodi\/pepp?gad_source=1&amp;gbraid=0AAAAACPeIrqeU7qwVx-NoGn9VojA06jXv&amp;gclid=CjwKCAjw5PK_BhBBEiwAL7GTPcmWi146bIYAHBBD8yfcvrnfPySRt1-VcvwbPjCa1B37-exwcn3sQBoC-40QAvD_BwE\" target=\"_blank\" rel=\"noopener\">PEPP<\/a> (Pan-European Personal Pension Product) je novi model dobrovoljne mirovinske \u0161tednje, temeljen na uredbi <a href=\"https:\/\/www.europarl.europa.eu\/about-parliament\/hr\/home?&amp;at_campaign=2024-AboutParliament&amp;at_medium=Google_Ads&amp;at_platform=Search&amp;at_creation=RSA&amp;at_goal=TR_G&amp;at_advertiser=Webcomm&amp;at_topic=Welcome&amp;at_location=HR&amp;gad_source=1&amp;gbraid=0AAAAA-DXGlfP3ErH3RNCu6IBgagWFiiH6&amp;gclid=CjwKCAjw5PK_BhBBEiwAL7GTPVfgP5kDb1AnTmULL5vIKmY39qJHwJ9Nw3MILuzhaejnGuPV_F63MRoCLMoQAvD_BwE\" target=\"_blank\" rel=\"noopener\">Europskog parlamenta<\/a> koja je stupila na snagu u o\u017eujku 2022.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Njegova svrha je stvoriti jedinstveno tr\u017ei\u0161te dobrovoljne mirovinske \u0161tednje u cijeloj EU, sli\u010dno kao \u0161to u Sjedinjenim Dr\u017eavama funkcionira <a href=\"https:\/\/www.coursera.org\/articles\/what-is-401k?utm_medium=sem&amp;utm_source=gg&amp;utm_campaign=b2c_emea_x_multi_ftcof_career-academy_cx_dr_bau_gg_pmax_gc_s1_en_m_hyb_23-12_x&amp;campaignid=20858198824&amp;adgroupid=&amp;device=c&amp;keyword=&amp;matchtype=&amp;network=x&amp;devicemodel=&amp;creativeid=&amp;assetgroupid=6484888893&amp;targetid=&amp;extensionid=&amp;placement=&amp;gad_source=1&amp;gbraid=0AAAAADdKX6b4DeLySLMTW5g_pTxJSyuLb&amp;gclid=CjwKCAjw5PK_BhBBEiwAL7GTPbrabIajCn5ka7uPMFt4LCABcYXDd3Fa04OjIX9xsbEpLRrSebQp1xoCJ0EQAvD_BwE\" target=\"_blank\" rel=\"noopener\">401(k) model<\/a>.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><strong>Klju\u010dne zna\u010dajke PEPP-a:<\/strong><\/p>\n<ul>\n<li data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Dostupan svim stanovnicima EU \u2013 nema ograni\u010denja, svi mogu \u0161tedjeti.<\/li>\n<li data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Prenosiv izme\u0111u dr\u017eava \u2013 selite se? Va\u0161a \u0161tednja putuje s vama.<\/li>\n<li data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Ograni\u010deni tro\u0161kovi \u2013 maksimalna ukupna naknada iznosi 1 % vrijednosti \u0161tednje.<\/li>\n<li data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Potpuna transparentnost \u2013 ista pravila za sve pru\u017eatelje, bez skrivenih tro\u0161kova.<\/li>\n<\/ul>\n<div id=\"attachment_13172\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13172\" class=\"size-full wp-image-13172\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/PEPP-Europska-mirovina-Finax.png\" alt=\"PEPP, Europska mirovina, Finax\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/PEPP-Europska-mirovina-Finax.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/PEPP-Europska-mirovina-Finax-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/PEPP-Europska-mirovina-Finax-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/PEPP-Europska-mirovina-Finax-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/PEPP-Europska-mirovina-Finax-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13172\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">PEPP, Europska mirovina, Finax; Izvor: Finax.eu<\/span><\/p><\/div>\n<ul>\n<li data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">\u0160irok raspon pru\u017eatelja \u2013 banke, osiguravaju\u0107a dru\u0161tva, investicijska dru\u0161tva itd.<\/li>\n<li data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">EU poti\u010de dr\u017eave na porezne olak\u0161ice \u2013 cilj je da PEPP dobije isti porezni tretman kao doma\u0107i mirovinski planovi (u Hrvatskoj ima isti porezni tretman kao <a href=\"https:\/\/mss.gov.hr\/kapitalizirana-stednja-ii-i-iii-stup\/dobrovoljna-mirovinska-stednja-lll-stup\/153\" target=\"_blank\" rel=\"noopener\">III. stup<\/a>).<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Dobrovoljna_mirovinska_stednja_lll_stup\"><\/span>Dobrovoljna mirovinska \u0161tednja (lll. stup)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Uz obavezno mirovinsko osiguranje (prvi i drugi stup mirovinskog osiguranja) svaka osoba sa prebivali\u0161tem u Hrvatskoj ima mogu\u0107nost dodatno \u0161tedjeti za nadolaze\u0107u starost.<\/p>\n<p>Tu mogu\u0107nost nudi dobrovoljni mirovinski fond (III. stup). Njime upravlja <a href=\"https:\/\/www.mirovinsko.hr\/hr\/hrvatsko-mirovinsko-osiguravajuce-drustvo\/1302\" target=\"_blank\" rel=\"noopener\">mirovinsko dru\u0161tvo<\/a>.<\/p>\n<blockquote><p><span style=\"font-size: 14pt\">Jednako kao i drugi stup, tre\u0107i stup predstavlja individualnu <a href=\"https:\/\/mss.gov.hr\/kapitalizirana-stednja-ii-i-iii-stup\/dobrovoljna-mirovinska-stednja-lll-stup\/153\" target=\"_blank\" rel=\"noopener\">kapitaliziranu \u0161tednju<\/a>.<\/span><\/p><\/blockquote>\n<p>Njome mo\u017eemo sami preuzeti odgovornost za vlastita mirovinska primanja i osiguramo bolji standard u starosti. Taj stup je dobrovoljan i nosi ve\u0107u razinu fleksibilnosti od prva dva stupa.<\/p>\n<div id=\"attachment_13176\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13176\" class=\"size-full wp-image-13176\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-treci-stup.png\" alt=\"Mirovina, tre\u0107i stup\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-treci-stup.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-treci-stup-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-treci-stup-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-treci-stup-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-treci-stup-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13176\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Mirovina, tre\u0107i stup; Izvor: Google.com<\/span><\/p><\/div>\n<p>Tre\u0107i stup je karakteristi\u010dan po tome da si osoba sama bira u\u010destalost i visinu uplata u fond. Uz tre\u0107i stup. sada u Hrvatskoj postoji i Europska mirovina.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ogranicenja_i_problemi_III_stupa\"><\/span>Ograni\u010denja i problemi III. stupa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>U usporedbi s Europskom mirovinom, hrvatski III. stup nosi odre\u0111ene rizike i ograni\u010denja:<\/p>\n<ul>\n<li>Rizik koncentracije \u2013 Ve\u0107ina ulaganja fokusirana je na hrvatske vrijednosnice, \u0161to pove\u0107ava izlo\u017eenost lokalnim ekonomskim fluktuacijama.<\/li>\n<li>Rizik politi\u010dke nestabilnosti \u2013 Hrvatska je malo tr\u017ei\u0161te, a politi\u010dki faktori mogu zna\u010dajno utjecati na ekonomske uvjete i vrijednost ulaganja.<\/li>\n<li>Konzervativna strategija \u2013 3. stup u fazi \u0161tednje ula\u017ee previ\u0161e u obveznice i u fazi isplate prelazi u potpuno konzervativnu strategiju, \u010dime gubi priliku za dugoro\u010dno ve\u0107e prinose.<\/li>\n<\/ul>\n<p>Europska mirovina rje\u0161ava ove probleme ve\u0107om diverzifikacijom i dugoro\u010dnom strategijom rasta.<\/p>\n<h2 data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><span class=\"ez-toc-section\" id=\"Europska_mirovina_i_rjesavanje_rizika\"><\/span>Europska mirovina i rje\u0161avanje rizika<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"attachment_13178\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13178\" class=\"size-full wp-image-13178\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Investiranje-rizik.jpg\" alt=\"Investiranje, rizik\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Investiranje-rizik.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Investiranje-rizik-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Investiranje-rizik-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Investiranje-rizik-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Investiranje-rizik-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13178\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">Investiranje, rizik; Izvor: Unsplash.com<\/span><\/p><\/div>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Jedna od klju\u010dnih prednosti Europske mirovine je \u0161to po prvi put uvodi precizne regulatorne zahtjeve vezane uz rizik i inflaciju.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\"><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/inflacija-i-utjecaj-na-poduzetnike\/\">inflaciji<\/a> i njenom utjecaju na poduzetnike.<\/em><\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Mnogi \u0161tedi\u0161e zaziru od rizika, no dugoro\u010dno ulaganje u mirovinu treba biti dinami\u010dno \u2013 s ve\u0107im udjelom dionica, jer \u0161to dulje ula\u017eete, manji je rizik.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">PEPP regulativa zahtijeva da svaki pru\u017eatelj doka\u017ee s velikom vjerojatno\u0161\u0107u da \u0107e povrat na ulaganje prema\u0161iti inflaciju.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Drugim rije\u010dima, va\u0161a \u0161tednja ne smije gubiti kupovnu mo\u0107 \u2013 \u0161to zna\u010di da \u0107ete si u mirovini mo\u0107i priu\u0161titi barem onoliko koliko mo\u017eete i danas.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Optimalan pristup je potvr\u0111en mnogim istra\u017eivanjima i testiranjem strategija Finaxove Europske mirovine.<\/p>\n<p data-title=\"Osigurajte si bezbri\u017enu mirovinu: Kako po\u010deti \u0161tedjeti ve\u0107 danas\">Testiranje je radilo slova\u010dko Sveu\u010dili\u0161te Mateja Bela (Oran\u017eove ob\u00e1lke). Zaklju\u010dili su da je ulaganje 100% u\u00a0dionice u fazi \u0161tednje i zadr\u017eavanje najmanje 60 % dionica u fazi isplate.<\/p>\n<div id=\"attachment_13180\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13180\" class=\"size-full wp-image-13180\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/III.-stup-i-Europska-mirovina.png\" alt=\"III. stup i Europska mirovina\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/III.-stup-i-Europska-mirovina.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/III.-stup-i-Europska-mirovina-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/III.-stup-i-Europska-mirovina-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/III.-stup-i-Europska-mirovina-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/III.-stup-i-Europska-mirovina-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13180\" class=\"wp-caption-text\"><span style=\"font-size: 8pt\">III. stup i Europska mirovina; Izvor: Unsplash.com<\/span><\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Strategije_zivotnog_ciklusa\"><\/span>Strategije \u017eivotnog ciklusa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Europska mirovina nudi dvije strategije \u017eivotnog ciklusa koje omogu\u0107uju optimalan rast portfelja uz kontroliranu volatilnost:<\/p>\n<p><strong>100 \u2013 60 strategija<\/strong><\/p>\n<ul>\n<li>100 % va\u0161ih sredstava ula\u017ee se u dioni\u010dke ETF fondove, a 10 godina prije dobi od 55 godina postupno se prebacuje dio u obveznice.<\/li>\n<li>S 65 godina va\u0161a \u0161tednja prelazi u portfelj s 60 % dionica i 40 % obveznica, \u010dime osiguravate atraktivne prinose i u fazi isplate<\/li>\n<\/ul>\n<p><strong>80 \u2013 60 strategija<\/strong><\/p>\n<ul>\n<li>Malo konzervativnija opcija \u2013 po\u010detna alokacija je 80 % dionica i 20 % obveznica.<\/li>\n<\/ul>\n<div id=\"attachment_13182\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-13182\" class=\"size-full wp-image-13182\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-dostojanstveno-starenje-prihodi-penzija.jpg\" alt=\"Mirovina, dostojanstveno starenje, prihodi, penzija\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-dostojanstveno-starenje-prihodi-penzija.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-dostojanstveno-starenje-prihodi-penzija-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-dostojanstveno-starenje-prihodi-penzija-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-dostojanstveno-starenje-prihodi-penzija-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/04\/Mirovina-dostojanstveno-starenje-prihodi-penzija-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-13182\" class=\"wp-caption-text\">Mirovina, dostojanstveno starenje, prihodi, penzija; Izvor: Unsplash.com<\/p><\/div>\n<ul>\n<li><span style=\"font-size: 8pt\">Prikladna za one koji \u017eele manju volatilnost uz solidan dugoro\u010dni prinos.<\/span><\/li>\n<\/ul>\n<p>Ove strategije koriste blagodati slo\u017eenog ukama\u0107ivanja i dugoro\u010dnog rasta tr\u017ei\u0161ta kapitala, omogu\u0107uju\u0107i \u0161tedi\u0161ama optimalnu ravnote\u017eu prinosa i sigurnosti.<\/p>\n<p>To se najbolje pokazuje u dugom horizontu ulaganja.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dostojanstvena_starost\"><\/span>Dostojanstvena starost<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Koji god princip \u0161tednje odabrali, va\u017eno je pobrinuti se za dostojanstven \u017eivot u starijoj dobi.<\/p>\n<p>Gra\u0111ani Europske unije imaju zajedni\u010dko tr\u017ei\u0161te i pravila, ali ne dijele visinu prosje\u010dne mirovine. Iznosi u Hrvatskoj su daleko manji od onih koji omogu\u0107uju dostojanstven \u017eivot.<\/p>\n<p><em>Pro\u010ditajte vi\u0161e o <a href=\"https:\/\/zaposlise.hr\/blog\/minimalna-placa-za-2025-je-970-eura-bruto\/\">minimalnoj pla\u0107i<\/a> za 2025. godinu.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mirovina u Hrvatskoj ne donosi previ\u0161e optimizma za sigurnu, stabilnu i dostojanstvenu starost. Osobe koje \u017eele biti bezbri\u017ene u svojim [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":13153,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[463,462,197,251],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mirovina kao \u0161tednja? 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