Pension Fund Platform: All Answers to Retirement Questions in One Place

Are you studying? Have you just landed your first job? Are you halfway through your career? Do you have two years left until retirement? For the first time in Croatia, the personalized digital platform mirovinskifondovi.hr, created based on a design focused on people’s needs, provides detailed answers to one of life’s most important questions – how to make a good retirement plan and ensure a more secure financial future – depending on which phase you are in your life and career path! 

The Association of Pension Fund Management Companies and Pension Insurance Companies (UMFO) launched mirovinskifondovi.hr so that citizens can obtain relevant information about the pension system, mandatory and voluntary pension funds, and their pensions, explained in a simple way.

In addition, anyone can calculate the exact amount of their future pension through authorized calculators and check the status of their account in the mandatory pension fund. According to research by Ipsos Puls, Croatian citizens generally do not plan for retirement (only 14 percent in their thirties think about retirement days), the platform was developed to raise awareness of the importance of creating an informed plan for their own more secure future.

Personalized content was created based on in-depth analyses and contextual interviews with users, focusing on the needs of different demographic groups (personas). Thus, one of the largest pension platforms in Croatia was created, with as many as 102 guides, analyses, reviews, reports, and news that help us make a good retirement plan!

The average Croatian retiree worked for 32 years and two months, and will spend more than two decades in retirement: according to data from HZMO, the time in retirement amounts to 21 years and 2 months. How to make informed decisions for a more secure future? How does the three-pillar pension system work? How much do we have to or can voluntarily contribute from our salary to all three pension pillars, and what does that specifically mean for our pension? What happens to pension savings if we are on sick leave? Can we really receive incentives for voluntary pension savings of up to 750 kuna each year? Why is pension savings in the mandatory pension fund personal property that no one can lose, even in the case of death or foreclosure? Did you know that until 2030, there is a transitional period in which the retirement age for men and women is equalized to 65 years? Do you know who pays pensions? On mirovinskifondovi.hr, users can find out all this, as well as what steps to take to retire. 

On the new digital platform, for the first time in Croatia, you can track an interactive map that measures demographic trends in your county! Based on data from the Croatian Bureau of Statistics, comparative analyses have been made over the last 20 years for each county.

At this moment in Croatia, 1.2 employees work for the pension of one retiree, and unfavorable demographic trends will become even more pronounced. Do you know how many residents under 24 are there today in your county compared to 2001? This is one of the key indicators of the future sustainability of the pension system and an additional reason why a good retirement plan should be made. Therefore, experts warn of the need for individual responsibility for one’s financial future. Through 42 questions and answers, find out how to choose a mandatory and voluntary pension fund, how funds invest your money, and what the returns are.

In the four mandatory pension funds operating in Croatia, there are currently 1.94 million members, and most of us have never checked the status of our personal account in our mandatory pension fund. On mirovinskifondovi.hr, find out how to check your account status, what a personal account in a mandatory pension fund is, how to join or change your mandatory pension fund.

Only on mirovinskifondovi.hr can you get to know all the mandatory and voluntary pension funds operating in Croatia and make informed decisions. These are: Allianz ZB company for managing mandatory and voluntary pension funds, Croatia Insurance pension company for managing voluntary pension funds, Erste d.o.o. for managing mandatory and voluntary pension funds, PBZ Croatia Insurance for managing mandatory pension funds, Raiffeisen company for managing mandatory and voluntary pension funds, and Raiffeisen pension insurance company.

Croatian citizens mostly do not plan for life in retirement because they believe it is a distant future. Of all age groups, those closest to retirement are the most likely to do so: 62% of citizens over 50 often plan for retirement, while only 14% of citizens in their thirties do. This was shown by a survey on public attitudes and stakeholders regarding the pension system in Croatia conducted by Ipsos Puls.

– In our desire to better understand our users and anticipate their needs, we increasingly use principles of human-centered design in creating our services. We created our new platform mirovinskifondovi.hr to provide citizens with relevant information explained in a simple way that can facilitate planning and raise awareness of the need to save for retirement. Increasing individual responsibility and financial literacy is one of the key issues for a more secure future for Croatian citizens, and that is why UMFO is conducting a whole range of actions to encourage positive trends – said Dijana Bojčeta Markoja, director of UMFO.

UMFO launched the digital platform mirovinskifondovi.hr in collaboration with the digital agency for premium content and technology 01 Content & Technology – C3 Croatia, which is the only one in Croatia creating digital services based on a specific methodology and in-depth understanding of new, connected users. It is a member of the German group C3 – Creative, Code, Content, the largest European content network and one of the top ten German digital agencies.

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