SD Dojavi
OSMRTNICE
PRETPLATA
PREMIUM
stdClass Object ( [id] => 1186459 [title] => Znate li što se događa s novcem koji iz mjeseca u mjesec do kraja radnog staža uplaćujete u drugi mirovinski stup i kako možete njime raspolagati? Evo odgovora [alias] => znate-li-sto-se-dogada-s-novcem-koji-iz-mjeseca-u-mjesec-do-kraja-radnog-staza-uplacujete-u-drugi-mirovinski-stup-i-kako-mozete-njime-raspolagati-evo-odgovora [catid] => 142 [published] => 1 [introtext] => [fulltext] =>

Gdje završava naš novac koji uplaćujemo u drugi mirovinski stup, pitanje je na koje mnogi budući "penzići" ne znaju odgovor. A, trebali bi jer oni sami ili njihov poslodavac, mjesečno izdvajaju dobar dio prihoda da bi jednog dana ostvarili pravo na kakvu-takvu mirovinu.

Najednostavnije rečeno, mi taj novac predajemo mirovinskim fondovima po našem izboru, a oni s njim špekuliraju. Kako? Pa ulažu u obveznice i dionice pa njihovom prodajom i kupnjom vašim novcem, ostvaruju profit ili gubitak. Lijepo smo objasnili da se radi o špekuliranju, trgovini, a ona uvijek nosi rizike, zato su mirovinski fondovi sukladno zakonu kategorizirani u tri skupine: A, B i C. Naime, razlikuju se po strukturi ulaganja i rizicima, pa tako svaki član, uz neke uvjete, može odabrati vrstu ulaganja kakvu želi.

Cijene divljaju

Radi se u prvom redu o tome u kojem će omjeru, u vaše ime i vašim novcem, fond ulagati u obveznice a u kojem u dionice. Kupovina obveznica se smatra manje rizičnom od trgovine dionicama. Radi se, dakle, o poslu na duge staze s usponima i padovima, pa je teško reći kakva će zarada fonda koji ste odabrali biti u trenutku kad odete u mirovinu. Primjerice, danas cijene nekretnine u velikim hrvatskim gradovima divljaju pa bi to mogao biti dobar znak za one koji ih posjeduju da bi im špekuliranje s njima kad odu u mirovinu moglo donositi pristojne prihode, no tko kaže da će biti tako? Da se za deset ili dvadeset godina, cijene kuća, stanova i apartmana, kao i najmova, neće strmoglaviti, s obzirom da je nekretnina puno, a stanovništva sve manje.

Tako je i s obveznicama i dionicama. Pod utjecajem rata u Ukrajini i inflacije koja divlja, ni stanje na tržištu vrijednosnih papira trenutno nije obećavajuće. Konkrentno, zbog svega toga porasla je globalna premija za rizik, a to se loše odrazilo na financijska tržišta kod kuće i u svijetu, pa cijene dionica i obveznica, kao i potražnja za njima, nije bogzna kakva.   

Ostvarena dobit

Novac koji kao budući umirovljenik kao i oni koji su također odabrali taj mirovinski fond uplaćujete iz mjeseca u mjesec, "vrti" se do trenutka kad ne steknete pravo za odlazak u mirovinu. Tada se taj novac, bolje rečeno ostvarena dobit, transferira iz mirovinskog fonda u mirovinsko osiguravajuće društvo, da bi vam ono isplaćivalo mirovinu do smrti.

Mogu li se ušteđena sredstva u drugom mirovinskom stupu, podići prije odlaska u mirovinu? Ne. A, ako ju osiguranik ne dočeka, što se događa s tim novcem? Nasljeđuje se kroz obiteljsku mirovinu ili ostavinu, a postupak kod prijevremene mirovine isti je kao u slučaju redovite mirovine. Sredstva su raspoloživa jedino u slučaju odlaska u invalidsku mirovinu, ali i čak i tad, samo u obliku mirovinske isplate. 

Mirovinu iz II.stupa možete koristiti nakon što ostvarite pravo na mirovinu iz I. mirovinskog stupa koju isplaćuje Hrvatski zavod za mirovinsko osiguranje. Vrsta mirovine je određena Rješenjem HZMO-a i može biti: starosna odnosno prijevremena starosna, invalidska i obiteljska.  

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Gdje završava naš novac koji uplaćujemo u drugi mirovinski stup, pitanje je na koje mnogi budući "penzići" ne znaju odgovor. A, trebali bi jer oni sami ili njihov poslodavac, mjesečno izdvajaju dobar dio prihoda da bi jednog dana ostvarili pravo na kakvu-takvu mirovinu.

Najednostavnije rečeno, mi taj novac predajemo mirovinskim fondovima po našem izboru, a oni s njim špekuliraju. Kako? Pa ulažu u obveznice i dionice pa njihovom prodajom i kupnjom vašim novcem, ostvaruju profit ili gubitak. Lijepo smo objasnili da se radi o špekuliranju, trgovini, a ona uvijek nosi rizike, zato su mirovinski fondovi sukladno zakonu kategorizirani u tri skupine: A, B i C. Naime, razlikuju se po strukturi ulaganja i rizicima, pa tako svaki član, uz neke uvjete, može odabrati vrstu ulaganja kakvu želi.

Cijene divljaju

Radi se u prvom redu o tome u kojem će omjeru, u vaše ime i vašim novcem, fond ulagati u obveznice a u kojem u dionice. Kupovina obveznica se smatra manje rizičnom od trgovine dionicama. Radi se, dakle, o poslu na duge staze s usponima i padovima, pa je teško reći kakva će zarada fonda koji ste odabrali biti u trenutku kad odete u mirovinu. Primjerice, danas cijene nekretnine u velikim hrvatskim gradovima divljaju pa bi to mogao biti dobar znak za one koji ih posjeduju da bi im špekuliranje s njima kad odu u mirovinu moglo donositi pristojne prihode, no tko kaže da će biti tako? Da se za deset ili dvadeset godina, cijene kuća, stanova i apartmana, kao i najmova, neće strmoglaviti, s obzirom da je nekretnina puno, a stanovništva sve manje.

Tako je i s obveznicama i dionicama. Pod utjecajem rata u Ukrajini i inflacije koja divlja, ni stanje na tržištu vrijednosnih papira trenutno nije obećavajuće. Konkrentno, zbog svega toga porasla je globalna premija za rizik, a to se loše odrazilo na financijska tržišta kod kuće i u svijetu, pa cijene dionica i obveznica, kao i potražnja za njima, nije bogzna kakva.   

Ostvarena dobit

Novac koji kao budući umirovljenik kao i oni koji su također odabrali taj mirovinski fond uplaćujete iz mjeseca u mjesec, "vrti" se do trenutka kad ne steknete pravo za odlazak u mirovinu. Tada se taj novac, bolje rečeno ostvarena dobit, transferira iz mirovinskog fonda u mirovinsko osiguravajuće društvo, da bi vam ono isplaćivalo mirovinu do smrti.

Mogu li se ušteđena sredstva u drugom mirovinskom stupu, podići prije odlaska u mirovinu? Ne. A, ako ju osiguranik ne dočeka, što se događa s tim novcem? Nasljeđuje se kroz obiteljsku mirovinu ili ostavinu, a postupak kod prijevremene mirovine isti je kao u slučaju redovite mirovine. Sredstva su raspoloživa jedino u slučaju odlaska u invalidsku mirovinu, ali i čak i tad, samo u obliku mirovinske isplate. 

Mirovinu iz II.stupa možete koristiti nakon što ostvarite pravo na mirovinu iz I. mirovinskog stupa koju isplaćuje Hrvatski zavod za mirovinsko osiguranje. Vrsta mirovine je određena Rješenjem HZMO-a i može biti: starosna odnosno prijevremena starosna, invalidska i obiteljska.  

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Vojko Bašić/Cropix/Ilustracija
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StoryEditorOCM
HrvatskaKASICA PRASICA

Znate li što se događa s novcem koji iz mjeseca u mjesec do kraja radnog staža uplaćujete u drugi mirovinski stup i kako možete njime raspolagati? Evo odgovora

Piše Saša Ljubičić
22. travnja 2022. - 18:35
21324072
PREMIUM
Vojko Bašić/Cropix/Ilustracija

Gdje završava naš novac koji uplaćujemo u drugi mirovinski stup, pitanje je na koje mnogi budući "penzići" ne znaju odgovor. A, trebali bi jer oni sami ili njihov poslodavac, mjesečno izdvajaju dobar dio prihoda da bi jednog dana ostvarili pravo na kakvu-takvu mirovinu.

Najednostavnije rečeno, mi taj novac predajemo mirovinskim fondovima po našem izboru, a oni s njim špekuliraju. Kako? Pa ulažu u obveznice i dionice pa njihovom prodajom i kupnjom vašim novcem, ostvaruju profit ili gubitak. Lijepo smo objasnili da se radi o špekuliranju, trgovini, a ona uvijek nosi rizike, zato su mirovinski fondovi sukladno zakonu kategorizirani u tri skupine: A, B i C. Naime, razlikuju se po strukturi ulaganja i rizicima, pa tako svaki član, uz neke uvjete, može odabrati vrstu ulaganja kakvu želi....

#DRUGI MIROVINSKI STUP
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13. svibanj 2024 23:26