ANALIZA PROSTOVOLJNEGA DODATNEGA POKOJNINSKEGA ZAVAROVANJA V SLOVENIJI

MUNDŽAR, BARBARA (author), Aristovnik, Aleksander (mentor)

V delu je podrobneje predstavljeno prostovoljno dodatno pokojninsko zavarovanje v Republiki Sloveniji. Miselnost mlajše populacije bo počasi morala biti usmerjena v vlaganje prostovoljnih prispevkov za pokojninsko zavarovanje, saj je javni pokojninski sistem vedno bolj nevzdržen. To je poglaviten razlog za pisanje dela, saj je treba širši javnosti podrobneje predstaviti sistem prostovoljnega dodatnega pokojninskega zavarovanja. Cilji dela so doseženi z različnimi raziskovalnimi metodami. Uporabljena je zgodovinska metoda, s katero je predstavljen razvoj pokojninskega sistema v Republiki Sloveniji. Temu sledi deskriptivna metoda, s pomočjo katere je opisana problematika pokojninskega sistema v Republiki Sloveniji. Različni viri in spoznanja dosedanjih avtorjev so predstavljeni z metodo kompilacije. V empiričnem delu pa prevladuje primerjalna metoda, ki je podlaga za mednarodno primerjavo obravnavanega področja. Skozi delo je ugotovljeno, da država javne uslužbence vključuje v kolektivno dodatno pokojninsko zavarovanje. Omogočeno je tudi kolektivno in individualno prostovoljno dodatno pokojninsko zavarovanje, pri čemer je ugotovljeno, da država za spodbujanje prostovoljnih vplačil omogoča davčno olajšavo. V delu so predstavljeni informativni izračuni donosnosti mesečnih vplačil za prostovoljno dodatno pokojninsko zavarovanje, pri čemer je mogoče strniti zaključek, da vplačila za dodatno pokojninsko zavarovanje v prihodnje predstavljajo eno izmed ključnih rešitev za dostojne pokojninske dohodke. Delo je zaključeno s predlogi rešitev za povečanje vlaganja v prostovoljno dodatno pokojninsko zavarovanje, pri čemer je velika težnja in odgovornost na strani države. Kot ena izmed rešitev se predlaga večji poudarek na javni kampanji za ozaveščanje pomembnosti prostovoljnega dodatnega pokojninskega zavarovanja in morda celo zakonsko predpisanem izobraževanju o pomembnosti prostovoljnega dodatnega pokojninskega zavarovanja pred podpisom pogodbe o zaposlitvi.

• Language: Slovenian
• Keywords: pokojninski sistem, prvi steber, drugi steber, tretji steber, socialna varnost, financiranje, Slovenija
• Work type: Master's thesis/paper
• Organization: FU - Faculty of Administration
• Year: 2019
• PID: 20.500.12556/RUL-112779
• Publication date in RUL: 13.11.2019

Secondary language

• Language: English
• Title: ANALYSIS OF VOLUNTARY SUPPLEMENTARY PENSION INSURANCE IN SLOVENIA

Abstract

This master thesis presents in more detail voluntary supplementary pension insurance in the Republic of Slovenia. The mindset of the younger population will slowly need to be directed towards making voluntary pension contributions, as the public pension system is increasingly unsustainable. This is a main reason for writing master thesis, as the system of voluntary supplementary pension insurance needs to be presented in greater detail to the general public. The aims of the work are achieved through various research methods. The historical method is used to present the development of the pension system in the Republic of Slovenia. This is followed by a descriptive method that describes the problem of the pension system in the Republic of Slovenia. Various sources and insights of the present authors are presented using the compilation method. The empirical part, however, is dominated by the comparative method that underlies the international comparison of the field in question. Through the master thesis, it is established that the state enables public employees to join the collective supplementary pension insurance. Collective and individual voluntary supplementary pension insurance is also provided, which states that the state provides for tax relief to encourage voluntary payments. The master thesis presents informative calculations of the yield of monthly payments for voluntary supplementary pension insurance, and it can be concluded that payments for additional pension insurance in the future represent one of the key solutions for decent retirement income. The master thesis concludes with proposals for solutions to increase investment in voluntary supplementary pension insurance, with a strong tendency and responsibility on the part of the state. One solution is to place greater emphasis on a public campaign to raise awareness of the importance of voluntary supplementary pension insurance and perhaps even statutory education on the importance of voluntary supplementary pension insurance before signing an employment contract.

• Keywords: pension system, first pillar, second pillar, third pillar, social security, financing, Slovenia