APA 6th Edition Nestić, D. i Tomić, I. (2012). Adequacy of Pensions in Croatia: What Can Tomorrow's Pensioners Expect?. Privredna kretanja i ekonomska politika, 22 (130), 61-100. Preuzeto s https://hrcak.srce.hr/83125
MLA 8th Edition Nestić, Danijel i Iva Tomić. "Adequacy of Pensions in Croatia: What Can Tomorrow's Pensioners Expect?." Privredna kretanja i ekonomska politika, vol. 22, br. 130, 2012, str. 61-100. https://hrcak.srce.hr/83125. Citirano 24.01.2021.
Chicago 17th Edition Nestić, Danijel i Iva Tomić. "Adequacy of Pensions in Croatia: What Can Tomorrow's Pensioners Expect?." Privredna kretanja i ekonomska politika 22, br. 130 (2012): 61-100. https://hrcak.srce.hr/83125
Harvard Nestić, D., i Tomić, I. (2012). 'Adequacy of Pensions in Croatia: What Can Tomorrow's Pensioners Expect?', Privredna kretanja i ekonomska politika, 22(130), str. 61-100. Preuzeto s: https://hrcak.srce.hr/83125 (Datum pristupa: 24.01.2021.)
Vancouver Nestić D, Tomić I. Adequacy of Pensions in Croatia: What Can Tomorrow's Pensioners Expect?. Privredna kretanja i ekonomska politika [Internet]. 2012 [pristupljeno 24.01.2021.];22(130):61-100. Dostupno na: https://hrcak.srce.hr/83125
IEEE D. Nestić i I. Tomić, "Adequacy of Pensions in Croatia: What Can Tomorrow's Pensioners Expect?", Privredna kretanja i ekonomska politika, vol.22, br. 130, str. 61-100, 2012. [Online]. Dostupno na: https://hrcak.srce.hr/83125. [Citirano: 24.01.2021.]
APA 6th Edition Nestić, D. i Tomić, I. (2012). Primjerenost mirovina u Hrvatskoj: što mogu očekivati budući umirovljenici?. Privredna kretanja i ekonomska politika, 22 (130), 61-100. Preuzeto s https://hrcak.srce.hr/83125
MLA 8th Edition Nestić, Danijel i Iva Tomić. "Primjerenost mirovina u Hrvatskoj: što mogu očekivati budući umirovljenici?." Privredna kretanja i ekonomska politika, vol. 22, br. 130, 2012, str. 61-100. https://hrcak.srce.hr/83125. Citirano 24.01.2021.
Chicago 17th Edition Nestić, Danijel i Iva Tomić. "Primjerenost mirovina u Hrvatskoj: što mogu očekivati budući umirovljenici?." Privredna kretanja i ekonomska politika 22, br. 130 (2012): 61-100. https://hrcak.srce.hr/83125
Harvard Nestić, D., i Tomić, I. (2012). 'Primjerenost mirovina u Hrvatskoj: što mogu očekivati budući umirovljenici?', Privredna kretanja i ekonomska politika, 22(130), str. 61-100. Preuzeto s: https://hrcak.srce.hr/83125 (Datum pristupa: 24.01.2021.)
Vancouver Nestić D, Tomić I. Primjerenost mirovina u Hrvatskoj: što mogu očekivati budući umirovljenici?. Privredna kretanja i ekonomska politika [Internet]. 2012 [pristupljeno 24.01.2021.];22(130):61-100. Dostupno na: https://hrcak.srce.hr/83125
IEEE D. Nestić i I. Tomić, "Primjerenost mirovina u Hrvatskoj: što mogu očekivati budući umirovljenici?", Privredna kretanja i ekonomska politika, vol.22, br. 130, str. 61-100, 2012. [Online]. Dostupno na: https://hrcak.srce.hr/83125. [Citirano: 24.01.2021.]
Sažetak The paper explores the adequacy of old-age pensions in Croatia measured by the theoretical replacement rate. The adequacy is assessed for the next 40 years under a no-policy-change assumption. The results point to two major challenges for future pension benefits in Croatia: (i) reduction in the relative pensions measured by the replacement rate, and (ii) significant imbalance between pensions paid from the first pillar and those paid from both mandatory pillars. If nothing changes in the pension system, a worker who retires at 65 years of age after 40 years of service and who received a salary in the amount of the average wage in the country during his whole working life can expect the first pension to be approximately 53 percent of the last-year wage. In 2050, this ratio will be 37 percent and will possibly be the lowest in the European Union. The paper simulates the effects of several reform measures and shows that a combination of measures that could distribute the reform burden between citizens and the state budget has the potential to lead to adequate and sustainable pensions.