http___fwr-privatebank.hr_en_retirement-planning.html.xml
http___fwr-privatebank.hr_planiranje-mirovine.html_1.xml
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Pension savings Voluntary pension saving is the only form of saving encouraged by two types of government incentives – through the payment of incentive funds and in the form of tax allowance for employers. The voluntary pension fund return, or a profit made by the pension company managing the fund’s assets, increases the value of assets owned by the fund’s members. Voluntary pension savings are exempt from taxation, and you may decide on the amount, duration and dynamics of investing in the fund yourself. Use of savings Any savings in the account of the so-called Third Pillar (voluntary pension savings) may be withdrawn at the age of 50 at the earliest through one of the selected forms of pension, irrespective of the employment status. Any funds in a voluntary pension fund account are personal assets of the member, and they may not be subject of enforcement or insurance against the fund member. That way, you may be sure that your future is really safe. Pension payment The only condition for exercising the right to the payment of pension from the voluntary pension fund is turning 50 years of age. There are two options for the payment of pensions: from the voluntary pension fund from a selected pension scheme offered by the pension insurance company. Read more about pensions or calculate the expected pension income at the Raiffeisen Pension Insurance Company website. Or allow us to tell you all about it in person.
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Mirovinska štednja Dobrovoljna mirovinska štednja jedini je oblik štednje s dvije vrste državnih poticaja – državna poticajna sredstva i porezna olakšica poslodavcima. Prinos dobrovoljnoga mirovinskog fonda, odnosno zarada koju mirovinsko društvo ostvaruje upravljajući sredstvima fonda, uvećava vrijednost imovine članova fonda. Na dobrovoljnu mirovinsku štednju ne plaća se porez, a visinu, trajanje i dinamiku ulaganja u fond određujete sami. Korištenje ušteđenih sredstava Ušteđena sredstva na računu III. stupa mogu se podići najranije s 50 godina života putem jednog od odabranih oblika mirovine, bez obzira na radni status. Sredstva na računu u dobrovoljnome mirovinskom fondu osobna su imovina člana i ne mogu biti predmetom ovrhe ili osiguranja protiv člana fonda. Na taj način, možete biti zaista sigurni u svoju budućnost. Isplata mirovina Jedini uvjet za stjecanje prava na isplatu mirovine iz dobrovoljnoga mirovinskog fonda je navršenih 50 godina starosti. Dvije su mogućnosti za isplatu mirovina: 1. putem dobrovoljnoga mirovinskog fonda 2. putem jednog od odabranih mirovinskih programa koje nudi mirovinsko osiguravajuće društvo. Pročitajte više o mirovinama ili izračunajte očekivanu mirovinu na stranicama Raiffeisen mirovinskog osiguravajućeg društva. Ili ćemo Vam sve o tome ispričati uživo.