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Title:Stanje dodatnega pokojninskega zavarovanja v sloveniji, po uvedbi skladov življenjskega cikla
Authors:ID Kokalj Švarc, Danijela (Author)
ID Taškar Beloglavec, Sabina (Mentor) More about this mentor... New window
Files:.pdf VS_Kokalj_Svarc_Danijela_2020.pdf (1,19 MB)
MD5: 678AEF8CFCA77DCAFA2C81AD400CD62F
PID: 20.500.12556/dkum/39179f6d-2866-40f1-aa70-4ae3554a86cb
 
Language:Slovenian
Work type:Final seminar paper
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Razvoj in stanje pokojninskega zavarovanja v Sloveniji je tematika, ki je pogostokrat obravnavana in je del življenja vsakega od nas. Če bomo zdravi, bomo vsi nekoč dočakali dan, ko bomo lahko odšli v pokoj. Vendar je pot do pokojnine vsak dan daljša in zahtevnejša. Zato bomo v diplomskem seminarju poskušali predstaviti to pot preko zgodovinskih dejstev in različnih javnih sistemov, do današnjega večkrat posodobljenega pokojninskega sistema. Problematika staranja prebivalstva skrbi vse javne pokojninske sisteme po svetu. Z novostmi varčevanja v 2. pokojninskem stebru bomo predstavili, kakšne možnosti ima slovenski varčevalec, ko razmišlja o varčevanju za pokojnino. Natančno bomo opredelili, kaj pokojninsko zavarovanje je in kaj je njegov osnovni namen in cilj. Predstavili bomo začetke uvajanja skladov življenjskega cikla v Ameriki in predstavili njihov največji sklad življenjskega cikla za javne uslužbence. Osrednji del bo namenjen uvedbi skladov življenjskega cikla v Sloveniji, ki ga bomo predstavili na primeru Modre zavarovalnice, ki je bila prva ustanoviteljica sklada življenjskega cikla pri nas in je predstavljal pomembno dopolnitev obstoječega dodatnega pokojninskega zavarovanja. S primerjavo izvajalcev dodatnega pokojninskega zavarovanja bomo pokazali, razlike med njimi in poudarili, kako pomembno je najti izvajalca dodatnega pokojninskega zavarovanja po naši meri. Z analizo varčevanja v skladih življenjskega cikla na Modri zavarovalnici bomo pripeljali, do zaključka, da je varčevanje za starost v skladih življenjskega cikla pomembna novost, ki bo varčevalcem povišala vrednost privarčevanih sredstev in jim s tem omogočila višji življenjski standard v jeseni življenja.
Keywords:Dodatno pokojninsko zavarovanje, pokojnina, sklad življenjskega cikla, varčevanje, Modra zavarovalnica.
Place of publishing:Maribor
Publisher:[D. Kokalj Švarc]
Year of publishing:2020
PID:20.500.12556/DKUM-76507 New window
UDC:368.914
COBISS.SI-ID:29616643 New window
NUK URN:URN:SI:UM:DK:MPC0DUAO
Publication date in DKUM:24.09.2020
Views:1427
Downloads:163
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Licences

License:CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International
Link:http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.
Licensing start date:03.06.2020

Secondary language

Language:English
Title:Supplementary pension in slovenia, after the introduction of life cycle pension funds
Abstract:The development and state of pension insurance in Slovenia is a topic that is often discussed and is a part of the life of each of us. If we are healthy, we will all one day see a day when we can retire. However, the road to retirement is getting longer and more demanding every day. Therefore, in the diploma seminar we will try to present this path through historical facts and various public systems, to today's repeatedly updated pension system. The issue of population aging worries all public pension systems around the world. With the novelties of saving in the 2nd pension pillar, we will present what possibilities a Slovenian saver has when thinking about saving for a pension. We will define exactly what pension insurance is and what its basic purpose and goal is. We will present the beginnings of the introduction of life cycle funds in America and present their largest life cycle fund for civil servants. The central part will be dedicated to the introduction of life cycle funds in Slovenia, which will be presented in the case of Modra zavarovalnica, which was the first founder of a life cycle fund in Slovenia and was an important addition to the existing supplementary pension insurance. By comparing providers of supplementary pension insurance, we will show the differences between them and emphasize how important it is to find a provider of supplementary pension insurance to suit us. By analyzing savings in life cycle funds at Modra zavarovalnica, we will lead to the conclusion that saving for old age in life cycle funds is an important innovation that will increase the value of savings and thus enable a higher standard of living in the autumn of life.
Keywords:Supplementary pension insurance, pension, life cycle fund, savings, Modra zavarovalnica.


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