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Institute of Economics, Zagreb: Challenges and Possibilities for the Realisation of Adequate Old-age Pensions in Croatia (A Project Study)

Danijel Nestić ; Ekonomski institut, Zagreb
Željko Potočnjak ; Pravni fakultet Sveučilišta u Zagrebu
Vlado Puljiz ; Studijski centar socijalnog rada, Pravni fakultet Sveučilišta u Zagrebu
Ivana Rašić Bakarić ; Ekonomski institut, Zagreb
Sandra Švaljek ; Ekonomski institut, Zagreb
Iva Tomić ; Ekonomski institut, Zagreb
Maja Vehovec ; Ekonomski institut, Zagreb
Ivana Vukorepa ; Pravni fakultet Sveučilišta u Zagrebu

Puni tekst: hrvatski pdf 1.453 Kb

str. 357-396

preuzimanja: 1.294



The Croatian Pension System has been faced with numerous problems and challenges during the last two decades. Notwithstanding the adjustments conducted towards the end of 1990s and the structural reforms initiated in the beginning of 2000s, many ambiguities regarding the direction and manner of the future pension system development have remained. Not only have the implemented reforms failed to solve the problem of low pensions, but they also resulted in new distributions within the retired population, so that ideas of abandonment of initiated reforms and return to the old system have appeared. Therefore pension system reform remains a key priority of the Croatian government. The study ‘Challenges and possibilities for the realisation of adequate old-age pension in Croatia’, which emerged in 2011 as the result of the research conducted by a team of experts from the Economic Institute in Zagreb and the Faculty of Law in Zagreb, represents a significant contribution to the debates about future reforms of the pension system. The study was prepared within the project bearing the same title that was financially aided by the Adris Foundation.
The study consists of three parts. The first part comprises three chapters that consider the problems and challenges of the pension system in Croatia, assess current adequacy of pensions and projections for the next forty years, and offer proposals for the measures for further pension system reform with the aim of ensuring adequate and sustainable pensions on the basis of the research results. The second part of the study analyses in more detail two topics connected with the reform proposals, and these are the control of the second pillar yields and the spread of financial and pension-related literacy in Croatia.
Due to the extensiveness of the study, most chapters from the first part of the study that have been slightly abridged and adjusted to the publishing standards of this journal are published in this issue. The entire document is available at

Ključne riječi

pension reforms; pension replacement rate; adequacy of pensions

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Podaci na drugim jezicima: hrvatski

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