{"id":12932,"date":"2021-02-13T19:37:41","date_gmt":"2021-02-13T18:37:41","guid":{"rendered":"https:\/\/www.tomislavstankovic.com\/blog\/?p=12932"},"modified":"2021-02-14T16:38:48","modified_gmt":"2021-02-14T15:38:48","slug":"dobrovoljna-mirovinska-stednja-3-stup","status":"publish","type":"post","link":"https:\/\/www.tomislavstankovic.com\/blog\/dobrovoljna-mirovinska-stednja-3-stup\/","title":{"rendered":"Dobrovoljna mirovinska \u0161tednja (3. stup) ili &#8220;pomozi si sam dok jo\u0161 mo\u017ee\u0161&#8221;"},"content":{"rendered":"<p>Moram priznati da sam sve do nedavno bio puno vi\u0161e skepti\u010dan po pitanju &#8220;ulaganja&#8221; u tre\u0107i stup dobrovoljne mirovinske \u0161tednje. Me\u0111utim, <a href=\"https:\/\/surovestrasti.com\/e244-sandra-ferencak-mala-skola-osobnih-financija-i-investiranja-mytetka\/\" rel=\"noopener\" target=\"_blank\">jedna epizoda Surovih strasti<\/a> potaknula me na dodatno istra\u017eivanje i preispitivanje dosada\u0161njih stavova. Vi\u0161e o tome u nastavku.<\/p>\n<h2>&#8220;Obi\u010dna&#8221; \u0161tednja za crne dane<\/h2>\n<p>I dalje sam stava da treba <strong>odvajati<\/strong> <a href=\"https:\/\/www.tomislavstankovic.com\/blog\/otvorena-aktivna-stednja\/\" rel=\"noopener\" target=\"_blank\"><strong>za &#8220;crne dane&#8221; u obliku \u0161tednje<\/strong><\/a> pa makar i uz nikakvu kamatu. Najva\u017enija stvar tih sredstava je <strong>likvidnost<\/strong>. Neko pravilo bilo bi sakupiti dovoljno da se mo\u017ee bez dodatnih prihoda \u017eivjeti 3 &#8211; 6 mjeseci. Ako se mo\u017ee vi\u0161e odvojiti jo\u0161 i bolje.<\/p>\n<p>Me\u0111utim jednom kada se sakupi \u017eeljeni iznos sredstava postavlja se pitanje \u0161to dalje. Nema smisla sve stavljati u &#8220;istu ko\u0161aru&#8221; pogotovo ako \u0107e novac s vremenom pomalo &#8220;jesti&#8221; inflacija. Tada nije lo\u0161e razmisliti o ulaganju koje novac na dugi rok mo\u017ee dr\u017eati iznad inflacije. Pisao sam o <a href=\"https:\/\/www.tomislavstankovic.com\/blog\/ulaganje-investicijski-fondovi\/\" rel=\"noopener\" target=\"_blank\">ulaganju u investicijske fondove<\/a>, ali to se na prvu mo\u017ee \u010diniti previ\u0161e rizi\u010dno &#8220;obi\u010dnom \u010dovjeku&#8221;.<\/p>\n<h2>Dobrovoljna mirovinska \u0161tednja<\/h2>\n<blockquote><p>Svaki mjesec izdvajate 20% mjese\u010dnih prihoda za mirovinsko osiguranje. &#8211; I. i II. stup<\/p><\/blockquote>\n<p><a href=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2021\/02\/dobrovoljna-mirovinska-stednja.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2021\/02\/dobrovoljna-mirovinska-stednja.jpg\" alt=\"Dobrovoljna mirovinska \u0161tednja\" width=\"1161\" height=\"367\" class=\"alignnone size-full wp-image-13008\" srcset=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2021\/02\/dobrovoljna-mirovinska-stednja.jpg 1161w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2021\/02\/dobrovoljna-mirovinska-stednja-300x95.jpg 300w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2021\/02\/dobrovoljna-mirovinska-stednja-1024x324.jpg 1024w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2021\/02\/dobrovoljna-mirovinska-stednja-768x243.jpg 768w\" sizes=\"auto, (max-width: 1161px) 100vw, 1161px\" \/><\/a><\/p>\n<p><strong>Najbli\u017ee nekoj vrsti ulaganja \u010dini mi se upravo dobrovoljna mirovinska \u0161tednja (3. stup)<\/strong>. S jedne strane i dalje \u0161tedi\u0161, a s druge strane u pitanju je neki fond pa se osje\u0107a\u0161 kao da dr\u017ei\u0161 svoju financijsku budu\u0107nost u svojim rukama.<\/p>\n<blockquote><p>Kako mogu po\u010deti \u0161tedjeti u dobrovoljnom mirovinskom fondu?<\/p>\n<p>Svi mogu \u0161tedjeti kada i koliko \u017eele u dobrovoljnim mirovinskim fondovima. Nema ograni\u010denja vezanih uz dob, zaposlenje ili primanja. Sami birate visinu, trajanje i dinamiku uplata u fond. Dobrovoljni mirovinski fondovi omogu\u0107uju jednostavnu online prijavu, a \u010dlan fonda postajete prvom uplatom i upisom u registar \u010dlanova fonda. &#8211; <a href=\"https:\/\/www.mirovinskifondovi.hr\/svijet-mirovina\/kako-isplanirati-dobrovoljnu-mirovinsku-stednju-za-bolji-zivot-u-mirovini\/\" rel=\"noopener\" target=\"_blank\">https:\/\/www.mirovinskifondovi.hr<\/a><\/p><\/blockquote>\n<p>Vidim <strong>nekoliko benefita<\/strong> ovakve vrste \u0161tednje:<\/p>\n<ul>\n<li>Prvi i najva\u017eniji &#8211; <strong>do 750kn godi\u0161njeg poticaja (tzv. dr\u017eavna poticajna sredstva ili DPS)<\/strong>. Dr\u017eava ovo u bilo kojem trenutku mo\u017ee smanjiti ili ukinuti, ali dok postoji dobro je iskoristiti. Trenutno ne postoji bolja opcija prinosa na ulaganje od 5-6000kn godi\u0161nje.<\/li>\n<li><strong>Relativno ih je malo<\/strong> pa je jednostavnije<a href=\"https:\/\/mytetka.com\/2021\/02\/treci-stup-jednako-nemastovit\/\" rel=\"noopener\" target=\"_blank\"> napraviti usporedbu i upoznati se sa prospektom svakog od njih<\/a>.<\/li>\n<li>Mogu biti <strong>dobar na\u010din da osoba nau\u010di odre\u0111ene financijske termine<\/strong> i kasnije se zainteresira za dodatna ulaganja.<\/li>\n<\/ul>\n<blockquote><p>Moram li svaki mjesec upla\u0107ivati u dobrovoljni mirovinski fond?<\/p>\n<p>Dobrovoljna mirovinska \u0161tednja je fleksibilna pa sami birate kada i koliko \u017eelite upla\u0107ivati. Dinamika ovisi isklju\u010divo o vama: mo\u017eete upla\u0107ivati mjese\u010dno, tromjese\u010dno, jednom godi\u0161nje ili kako god vam odgovara. Sami odre\u0111ujete i visinu uplata sukladno trenutnoj financijskoj situaciji. Prestanete li upla\u0107ivati, ni\u0161ta se ne\u0107e dogoditi. Dru\u0161tvo koje upravlja mirovinskim fondom i dalje ula\u017ee va\u0161u imovinu s ciljem ostvarivanja prinosa na ukupnu mirovinsku \u0161tednju koju imate na osobnom ra\u010dunu. Treba znati da prinos mo\u017ee biti pozitivan ili negativan kao posljedica rasta ili pada vrijednosti ukupne imovine fonda. &#8211; <a href=\"https:\/\/www.mirovinskifondovi.hr\/svijet-mirovina\/kako-isplanirati-dobrovoljnu-mirovinsku-stednju-za-bolji-zivot-u-mirovini\/\" rel=\"noopener\" target=\"_blank\">https:\/\/www.mirovinskifondovi.hr<\/a><\/p><\/blockquote>\n<h2>Zaklju\u010dak<\/h2>\n<p>Glavni i jedini uvjet za povla\u010denje sredstava iz 3. stupa je dobna granica od 55 godina, ako je ugovor o \u010dlanstvu sklopljen nakon 1. sije\u010dnja 2019. godine, \u0161to zna\u010di da se ovdje mo\u017ee zaboraviti na likvidnost. Ovo je doslovno za &#8220;stare dane&#8221;. Naravno, postoje i naknade prilikom isplate, ali o njima sada nema smisla pisati jer se sve mo\u017ee promijeniti jo\u0161 nekoliko puta dok do\u0111e dob za mirovinu. Ostaje samo za nadati se da \u0107e DPS i prinos fonda &#8220;poni\u0161titi&#8221; sve eventualne naknade.<\/p>\n<p>U kojem fondu (3. stup) imate \u0161tednju? Slobodno se uklju\u010dite sa svojim komentarima.<\/p>\n<p><strong>Napomena!<\/strong> Ovaj blog post nije preporuka \u0161to bi netko trebao raditi nego moje razmi\u0161ljanje na temu. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moram priznati da sam sve do nedavno bio puno vi\u0161e skepti\u010dan po pitanju &#8220;ulaganja&#8221; u tre\u0107i stup dobrovoljne mirovinske \u0161tednje. Me\u0111utim, jedna epizoda Surovih strasti potaknula me na dodatno istra\u017eivanje i preispitivanje dosada\u0161njih stavova. Vi\u0161e o tome u nastavku. &#8220;Obi\u010dna&#8221; \u0161tednja za crne dane I dalje sam stava da treba odvajati za &#8220;crne dane&#8221; u &hellip; <a href=\"https:\/\/www.tomislavstankovic.com\/blog\/dobrovoljna-mirovinska-stednja-3-stup\/\" class=\"more-link\">Nastavi \u010ditati <span class=\"screen-reader-text\">Dobrovoljna mirovinska \u0161tednja (3. stup) ili &#8220;pomozi si sam dok jo\u0161 mo\u017ee\u0161&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":12972,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[534],"tags":[665,664,539],"class_list":["post-12932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financije","tag-3-stup","tag-mirovina","tag-stednja"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dobrovoljna mirovinska \u0161tednja (3. stup) ili &quot;pomozi si sam dok jo\u0161 mo\u017ee\u0161&quot; - 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