{"id":24915,"date":"2026-07-29T13:47:06","date_gmt":"2026-07-29T11:47:06","guid":{"rendered":"https:\/\/zaposlise.hr\/blog\/?p=24915"},"modified":"2026-07-29T14:03:49","modified_gmt":"2026-07-29T12:03:49","slug":"stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun","status":"publish","type":"post","link":"https:\/\/zaposlise.hr\/blog\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/","title":{"rendered":"\u0160tednja bez poreza: \u0161to donosi Hrvatski investicijski ra\u010dun"},"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>\u0160tednja na teku\u0107em ra\u010dunu odavno vi\u0161e ne zna\u010di da vam novac raste. Uz <a href=\"https:\/\/zaposlise.hr\/blog\/inflacija-u-eu-pala-ispod-tri-posto-a-hrvatska-ostaje-pri-vrhu\/\">inflaciju<\/a>, tiho gubi vrijednost.<\/p>\n<p>Zato sve vi\u0161e ljudi razmi\u0161lja o ulaganju, a od po\u010detka 2027. godine to bi u Hrvatskoj moglo postati znatno povoljnije.<\/p>\n<p>U pripremi je <a href=\"https:\/\/mfin.gov.hr\/vijesti\/zapocinje-javno-savjetovanje-o-nacrtu-prijedloga-zakona-o-hrvatskom-investicijskom-racunu\/4244\" target=\"_blank\" rel=\"noopener\">Hrvatski investicijski ra\u010dun<\/a> (HIR), model koji omogu\u0107uje ulaganje bez pla\u0107anja poreza na dobit.<\/p>\n<p>Budu\u0107i da je rije\u010d o prijedlogu zakona koji tek prolazi javnu raspravu, detalji se do kona\u010dnog usvajanja mogu promijeniti.<\/p>\n<p>No osnovna ideja je jasna i vrijedi je razumjeti na vrijeme, jer bi za mnoge mogla promijeniti na\u010din na koji \u0161tede.<\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Kako_se_ulaganje_oporezuje_danas\" title=\"Kako se ulaganje oporezuje danas\">Kako se ulaganje oporezuje danas<\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Hrvatski_investicijski_racun\" title=\"Hrvatski investicijski ra\u010dun\">Hrvatski investicijski ra\u010dun<\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Koliko_se_moze_uloziti\" title=\"Koliko se mo\u017ee ulo\u017eiti?\">Koliko se mo\u017ee ulo\u017eiti?<\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Stednja_i_HIR_kome_se_isplati\" title=\"\u0160tednja i HIR: kome se isplati?\">\u0160tednja i HIR: kome se isplati?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zaposlise.hr\/blog\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Kome_HIR_donosi_manje\" title=\"Kome HIR donosi manje?\">Kome HIR donosi manje?<\/a><\/li><\/ul><\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Poticaj_trzistu_kapitala\" title=\"Poticaj tr\u017ei\u0161tu kapitala\">Poticaj tr\u017ei\u0161tu kapitala<\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Pripremite_se_vec_sada\" title=\"Pripremite se ve\u0107 sada\">Pripremite se ve\u0107 sada<\/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\/stednja-bez-poreza-sto-donosi-hrvatski-investicijski-racun\/#Upravljajte_svojim_novcem\" title=\"Upravljajte svojim novcem\">Upravljajte svojim novcem<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kako_se_ulaganje_oporezuje_danas\"><\/span>Kako se ulaganje oporezuje danas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Da bismo razumjeli \u0161to HIR mijenja, prvo treba znati kako stvari stoje sada.<\/p>\n<p>Kada u Hrvatskoj ula\u017eete u dionice, fondove ili ETF-ove, na ostvarenu dobit u pravilu pla\u0107ate porez na kapitalnu dobit. Klju\u010dno je vrijeme dr\u017eanja.<\/p>\n<div id=\"attachment_24941\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-24941\" class=\"size-full wp-image-24941\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-1-limit.jpg\" alt=\"\u0160tednja, Unsplash\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-1-limit.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-1-limit-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-1-limit-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-1-limit-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-1-limit-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-24941\" class=\"wp-caption-text\"><span style=\"font-size: 8pt;\">\u0160tednja, <a href=\"http:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/span><\/p><\/div>\n<p>Ako ste imovinu prodali vi\u0161e od dvije godine nakon \u0161to ste je kupili, dobit je oslobo\u0111ena poreza. No ako ste prodali unutar dvije godine od kupnje, na zaradu se pla\u0107a porez.<\/p>\n<p>Primjer \u010dini jasnijim. Recimo da ste dionice ili udjele u fondu prodali za 500 eura, a pro\u0161le godine ste ih kupili za 400 eura.<\/p>\n<p>Ostvarili ste 100 eura dobiti, a budu\u0107i da je od kupnje pro\u0161lo manje od dvije godine, tu dobit morate prijaviti i platiti porez od 12 posto, dakle 12 eura.<\/p>\n<p>Isto vrijedi za druge oblike prinosa. Kako ide \u0161tednja?<\/p>\n<p>Na dividendu koju vam ispla\u0107uju pojedine dionice pla\u0107a se porez, kao i na kamatu koja vam svakodnevno pristi\u017ee na \u0161tedne i sli\u010dne ra\u010dune na platformama poput Revoluta ili Trading 212.<\/p>\n<p><em>Kako ide <a href=\"https:\/\/zaposlise.hr\/blog\/isplata-place-na-revolut\/\">isplata pla\u0107e<\/a> na <a href=\"https:\/\/www.revolut.com\/hr-HR\/promo\/gsearch-brand-revolut\/?pid=google&amp;af_siteid=&amp;c=REV_GSEARCH_DESKTOP_BRAND_HR_HR&amp;af_c_id=22234346606&amp;af_adset=172876124862&amp;af_adset_id=172876124862&amp;af_ad=734886883092&amp;af_sub2=%7B%22gclid%22%3A%22CjwKCAjwyabTBhBFEiwAM3mNUJA4S_xBz-PTelIJdCVA7zpMc1ccX4kuytLwLnrokh53nA8gGnW3cRoCRqAQAvD_BwE%22%2C+%22gbraid%22%3A%220AAAAADDzmebmYNkAhJ4h1dtqkSf89bCu-%22%2C+%22wbraid%22%3A+%22CkAKCAjwpqHTBhA5EjAAdY9Mn6dktuXJlBsRu7BbE35SOykDy1A4RBjjQFy0u1l_tWpaHX45TDCUJezffrsaAnRC%22%7D&amp;af_click_lookback=7d&amp;network=g&amp;af_keywords=revolut&amp;gclid=CjwKCAjwyabTBhBFEiwAM3mNUJA4S_xBz-PTelIJdCVA7zpMc1ccX4kuytLwLnrokh53nA8gGnW3cRoCRqAQAvD_BwE&amp;gclid=CjwKCAjwyabTBhBFEiwAM3mNUJA4S_xBz-PTelIJdCVA7zpMc1ccX4kuytLwLnrokh53nA8gGnW3cRoCRqAQAvD_BwE&amp;gbraid=0AAAAADDzmebmYNkAhJ4h1dtqkSf89bCu-&amp;gbraid=0AAAAADDzmebmYNkAhJ4h1dtqkSf89bCu-&amp;wbraid=CkAKCAjwpqHTBhA5EjAAdY9Mn6dktuXJlBsRu7BbE35SOykDy1A4RBjjQFy0u1l_tWpaHX45TDCUJezffrsaAnRC&amp;gad_source=1&amp;gad_campaignid=22234346606\" target=\"_blank\" rel=\"noopener\">Revolut<\/a>? Saznajte iz \u010dlanka na <a href=\"https:\/\/zaposlise.hr\/blog\/isplata-place-na-revolut\/\">poveznici<\/a>!<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Hrvatski_investicijski_racun\"><\/span>Hrvatski investicijski ra\u010dun<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HIR bi taj sustav bitno pojednostavio. Ra\u010dun biste otvorili preko ovla\u0161tenog posrednika, kod banke, investicijskog dru\u0161tva i sli\u010dnih institucija.<\/p>\n<p>Preko njega ulagali u dionice, obveznice, ETF-ove i fondove bez pla\u0107anja poreza na dobit.<\/p>\n<p>Najva\u017enija promjena jest da dvogodi\u0161nje pravilo vi\u0161e ne bi igralo ulogu.<\/p>\n<blockquote><p><span style=\"font-size: 14pt; font-family: terminal, monaco, monospace;\">Ako preko HIR-a prodate imovinu i unutar dvije godine od kupnje, dobit ostaje neoporezovana. <\/span><\/p><\/blockquote>\n<p>Radi se o velikoj prednosti za svakoga tko ne \u017eeli biti vezan rokom dr\u017eanja, primjerice ako ula\u017ee kako bi za nekoliko godina skupio polog za stambeni kredit.<\/p>\n<div id=\"attachment_11084\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-11084\" class=\"size-full wp-image-11084\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/01\/cover-13.png\" alt=\"Intervju, Tamara Vrhovec Seka\u010d, Finax, financijska pismenost\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/01\/cover-13.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/01\/cover-13-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/01\/cover-13-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/01\/cover-13-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2025\/01\/cover-13-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-11084\" class=\"wp-caption-text\"><span style=\"font-size: 8pt;\">Intervju, Tamara Vrhovec Seka\u010d, Finax, financijska pismenost<\/span><\/p><\/div>\n<p>Postoje\u0107a ulaganja koja ve\u0107 imate na platformama tako\u0111er biste od 2027. mogli povezati s HIR-om. Imovinu biste unijeli u ra\u010dun i time je izuzeli od poreza, \u010dak i pri prodaji u roku kra\u0107em od dvije godine.<\/p>\n<p><em>Za navedeno je va\u017ena <a href=\"https:\/\/zaposlise.hr\/blog\/financijska-pismenost\/\">financijska pismenost<\/a>. Vi\u0161e smo saznali od Tamare Vrhovec Sek\u00e1\u010d iz <a href=\"https:\/\/zaposlise.hr\/blog\/fintech-zaposljava-drugacije-8-top-ats-alata\/\">fintech<\/a> tvrtke <a href=\"http:\/\/finax.eu\" target=\"_blank\" rel=\"noopener\">Finax<\/a>. Pro\u010ditajte <a href=\"https:\/\/zaposlise.hr\/blog\/financijska-pismenost\/\">intervju<\/a>!<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Koliko_se_moze_uloziti\"><\/span>Koliko se mo\u017ee ulo\u017eiti?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Na HIR bi se moglo uplatiti ili prenijeti postoje\u0107e uloge u ukupnoj vrijednosti do 200.000 eura. Ako pet godina ne podi\u017eete novac s ra\u010duna, stje\u010dete pravo uplatiti dodatnih 50.000 eura.<\/p>\n<p><strong>Dva su detalja ovdje va\u017ena.<\/strong><\/p>\n<ul>\n<li><strong>Prvo<\/strong>, tih 200.000 eura odnosi se na upla\u0107eni iznos, a vrijednost ulaganja mo\u017ee narasti daleko iznad toga i sav taj rast ostaje neoporezovan.<\/li>\n<li><strong>Drugo<\/strong>, tijekom tih pet godina smijete slobodno prodavati dionice, udjele u fondovima i obveznice. Jedino je va\u017eno da novac ne podi\u017eete s HIR-a.<\/li>\n<\/ul>\n<p>Trgovanje unutar ra\u010duna nije problem, podizanje jest.<\/p>\n<p>Predvi\u0111eno je i pravilo za poticanje doma\u0107eg tr\u017ei\u0161ta.<\/p>\n<div id=\"attachment_24944\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-24944\" class=\"size-full wp-image-24944\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-2-porez.jpg\" alt=\"Porez na kapitalnu dobit, Unsplash\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-2-porez.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-2-porez-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-2-porez-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-2-porez-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-2-porez-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-24944\" class=\"wp-caption-text\"><span style=\"font-size: 8pt;\">Porez na kapitalnu dobit, <a href=\"http:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/span><\/p><\/div>\n<p>Najmanje 20 posto sredstava trebalo bi biti u hrvatskim dionicama, obveznicama ili trezorskim zapisima, odnosno u fondovima koji barem polovicu ula\u017eu u hrvatsko tr\u017ei\u0161te.<\/p>\n<p>Prva godina od otvaranja ra\u010duna bila bi prijelazno razdoblje, u kojem taj uvjet ne bi morao biti ispunjen.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stednja_i_HIR_kome_se_isplati\"><\/span>\u0160tednja i HIR: kome se isplati?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0160tednja i zarada su legitiman motiv, ali HIR nije jednako koristan za svakoga.<\/p>\n<p>Najvi\u0161e dobivaju oni koji ostvaruju oporezivi prinos. Ako ula\u017eete u pojedina\u010dne dionice koje ispla\u0107uju dividendu, na tu dividendu sada pla\u0107ate porez, a preko HIR-a ne biste.<\/p>\n<p><em><a href=\"https:\/\/zaposlise.hr\/blog\/inflacija-u-eu-pala-ispod-tri-posto-a-hrvatska-ostaje-pri-vrhu\/\">Inflacija<\/a> je u Europskoj uniji pala ispod tri posto. U Hrvatskoj nije. Pro\u010ditajte <a href=\"https:\/\/zaposlise.hr\/blog\/inflacija-u-eu-pala-ispod-tri-posto-a-hrvatska-ostaje-pri-vrhu\/\">\u010dlanak<\/a>!<\/em><\/p>\n<p>Isto vrijedi za one koji dr\u017ee novac na ra\u010dunima s dnevnom kamatom, poput <a href=\"https:\/\/help.revolut.com\/hr-HR\/help\/app-features\/flexible-accounts\/\" target=\"_blank\" rel=\"noopener\">Flexible<\/a> ra\u010duna na Revolutu ili Interest on cash na <a href=\"https:\/\/www.trading212.com\/hr?utm_medium=google_search&amp;utm_source=google&amp;utm_term=trading%20212%20interest&amp;match_type=e&amp;campaign_id=17170785268&amp;af_c_id=17170785268&amp;ad_group_id=137307334078&amp;af_adset_id=137307334078&amp;device=c&amp;position=&amp;gad_source=1&amp;gad_campaignid=17170785268&amp;gbraid=0AAAAAC0eA1y3_GaXf_ooRBJpbJuUXY2Iq&amp;gclid=CjwKCAjwyabTBhBFEiwAM3mNUBbfyTc4EQWQ2mHF8IbEOk5stqXQK_nszQm07NPDnZV7eqsnrhcHoRoC3ngQAvD_BwE\" target=\"_blank\" rel=\"noopener\">Trading 212<\/a>, gdje svaki pristigli prinos treba prijaviti i oporezovati.<\/p>\n<p>Prebacivanjem na HIR taj porez nestaje.<\/p>\n<p>Dobivaju i oni koji ula\u017eu kratkoro\u010dno. Svatko tko planira prodati unutar dvije godine \u2014 bilo zbog cilja poput pologa za stan, bilo zbog aktivnijeg trgovanja \u2014 danas pla\u0107a porez na dobit. Na HIR-u ne bi.<\/p>\n<p>Korist imaju i ulaga\u010di u distribuiraju\u0107e ETF-ove, koji redovito ispla\u0107uju dividendu na koju se pla\u0107a porez. Prebacivanjem na HIR i taj bi prinos ostao neoporezovan.<\/p>\n<div id=\"attachment_24946\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-24946\" class=\"size-full wp-image-24946\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-3-kome.jpg\" alt=\"\u0160tednja, ETF, dividende, Unsplash\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-3-kome.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-3-kome-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-3-kome-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-3-kome-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-3-kome-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-24946\" class=\"wp-caption-text\"><span style=\"font-size: 8pt;\">\u0160tednja, ETF, dividende, <a href=\"http:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/span><\/p><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Kome_HIR_donosi_manje\"><\/span>Kome HIR donosi manje?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ako ula\u017eete isklju\u010divo u akumuliraju\u0107e ETF-ove, koji dividendu ne ispla\u0107uju nego je automatski reinvestiraju, i dr\u017eite ih dulje od dvije godine.<\/p>\n<p>Korist je mala, Jer na takvu biste imovinu i ina\u010de, pri prodaji nakon dvije godine, bili oslobo\u0111eni poreza.<\/p>\n<p>Sli\u010dno vrijedi za instrumente na koje se ve\u0107 sada ne pla\u0107a porez, poput trezorskih zapisa, narodnih obveznica, dobrovoljne mirovinske \u0161tednje ili paneuropskog osobnog mirovinskog proizvoda (<a href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/\">PEPP<\/a>).<\/p>\n<p>Za njih tek treba vidjeti isplati li se povezivanje s HIR-om.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Poticaj_trzistu_kapitala\"><\/span>Poticaj tr\u017ei\u0161tu kapitala<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HIR nije samo pogodnost za pojedince. Zami\u0161ljen je i kao poticaj cijelom hrvatskom tr\u017ei\u0161tu kapitala, koje je godinama plitko i slabo aktivno.<\/p>\n<p>Nekoliko je o\u010dekivanih u\u010dinaka. Vi\u0161e gra\u0111ana vjerojatno bi se odlu\u010dilo na ulaganje jer je porezni\u010dki jednostavnije i povoljnije.<\/p>\n<p>Oni koji se boje prevara osje\u0107ali bi se sigurnije, jer bi se s HIR-a moglo ulagati samo u instrumente pod nadzorom regulatora.<\/p>\n<p>A obveza da dio sredstava bude u doma\u0107im instrumentima trebala bi o\u017eivjeti hrvatsko tr\u017ei\u0161te i dati kapital doma\u0107im tvrtkama.<\/p>\n<p>Postoje i otvorena pitanja. Visina naknada za vo\u0111enje ra\u010duna bit \u0107e presudna. Ako budu visoke, dio porezne u\u0161tede se gubi.<\/p>\n<div id=\"attachment_21114\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-21114\" class=\"size-full wp-image-21114\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/02\/Kriptovaluta-kriptovalute-blockchain.png\" alt=\"Kriptovaluta, kriptovalute, blockchain\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/02\/Kriptovaluta-kriptovalute-blockchain.png 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/02\/Kriptovaluta-kriptovalute-blockchain-300x169.png 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/02\/Kriptovaluta-kriptovalute-blockchain-1024x576.png 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/02\/Kriptovaluta-kriptovalute-blockchain-768x432.png 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/02\/Kriptovaluta-kriptovalute-blockchain-444x250.png 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-21114\" class=\"wp-caption-text\"><span style=\"font-size: 8pt;\">Kriptovaluta, kriptovalute, blockchain<\/span><\/p><\/div>\n<p>U raspravi se pojavljuju i prijedlozi da se gornja granica uplate s vremenom pove\u0107ava zbog inflacije, kao i da se dopusti ograni\u010deno ulaganje u <a href=\"https:\/\/zaposlise.hr\/blog\/kriptovalute-2026\/\">kriptovalute<\/a>.<\/p>\n<p>Takvo ne\u0161to prijedlog trenuta\u010dno ne predvi\u0111a jer slijedi preporuku <a href=\"https:\/\/commission.europa.eu\/index_hr\" target=\"_blank\" rel=\"noopener\">Europske komisije<\/a>.<\/p>\n<p><em><a href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/\">Mirovina<\/a> kao \u0161tednja? Zvu\u010di nemogu\u0107e, ali nije. Pro\u010ditajte \u010dlanak na <a href=\"https:\/\/zaposlise.hr\/blog\/europska-mirovina\/\">poveznici<\/a>!<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pripremite_se_vec_sada\"><\/span>Pripremite se ve\u0107 sada<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Iako HIR po\u010dinje tek 2027., a i tada tek ako zakon bude usvojen u ovom obliku, nekoliko koraka ima smisla i danas.<\/p>\n<p>Prvo, upoznajte se s time kako se va\u0161a trenuta\u010dna ulaganja oporezuju. Mnogi ljudi ne znaju pla\u0107aju li porez na svoju dividendu ili kamatu, a upravo o tome ovisi koliko bi im HIR koristio.<\/p>\n<p>Drugo, razmislite o svom cilju i vremenskom okviru. HIR najvi\u0161e nagra\u0111uje one koji ostvaruju oporezivi prinos ili ula\u017eu kratkoro\u010dno, pa je dobro znati u koju skupinu spadate.<\/p>\n<div id=\"attachment_24950\" style=\"width: 1210px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-24950\" class=\"size-full wp-image-24950\" src=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-4-pravila.jpg\" alt=\"HIR, ETF, Revolut, Unsplash\" width=\"1200\" height=\"675\" srcset=\"https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-4-pravila.jpg 1200w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-4-pravila-300x169.jpg 300w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-4-pravila-1024x576.jpg 1024w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-4-pravila-768x432.jpg 768w, https:\/\/zaposlise.hr\/blog\/wp-content\/uploads\/2026\/07\/stednja-vizual-4-pravila-444x250.jpg 444w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-24950\" class=\"wp-caption-text\"><span style=\"font-size: 8pt;\">HIR, ETF, Revolut, <a href=\"http:\/\/unsplash.com\" target=\"_blank\" rel=\"noopener\">Unsplash<\/a><\/span><\/p><\/div>\n<p>I tre\u0107e, pratite razvoj zakona. Budu\u0107i da je rije\u010d o prijedlogu, kona\u010dna pravila mogu se promijeniti do usvajanja.<\/p>\n<p>\u0160ire gledano, HIR je podsjetnik na ne\u0161to \u0161to vrijedi neovisno o njemu.<\/p>\n<p>\u0160tednja koja samo stoji gubi na vrijednosti, a razlika izme\u0111u odlo\u017eenog novca i ulo\u017eenog novca s godinama postaje velika.<\/p>\n<p>Bez obzira na to ho\u0107ete li koristiti HIR, vrijedi razumjeti kako va\u0161 novac radi (ili ne radi) za vas.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Upravljajte_svojim_novcem\"><\/span>Upravljajte svojim novcem<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Prvi korak prema financijskoj sigurnosti \u010desto je stabilan posao s primanjima koja prate va\u0161e ciljeve.<\/p>\n<p>Na <a href=\"http:\/\/zaposlise.hr\">Zaposlise.hr<\/a> svakodnevno se objavljuju novi oglasi diljem Hrvatske, u svim strukama i razinama iskustva.<\/p>\n<p><strong>Potra\u017eite pravi <a href=\"http:\/\/zaposlise.hr\/posao\">oglas za posao<\/a>!<\/strong><\/p>\n<p><strong>Pregledaj. Klikni. Chataj. <a href=\"http:\/\/zaposlise.hr\">Zaposli se<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0160tednja na teku\u0107em ra\u010dunu odavno vi\u0161e ne zna\u010di da vam novac raste. Uz inflaciju, tiho gubi vrijednost. Zato sve vi\u0161e [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[29],"tags":[340,409,841,433,763,251],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0160tednja bez poreza: \u0161to donosi Hrvatski investicijski ra\u010dun - Zaposlise.hr<\/title>\n<meta name=\"description\" content=\"\u0160tednja na teku\u0107em ra\u010dunu odavno vi\u0161e ne zna\u010di da vam novac raste. Uz inflaciju, tiho gubi vrijednost. 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