SD Dojavi
OSMRTNICE
PRETPLATA
PREMIUM
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Sve nas zanima kolika će nam jednog dana biti mirovina. neki će imati svega 1500 kuna, dok će neki uživati u mirovini koja će biti kao prosječna hrvatska plaća. 

Jedna od dobrih stvari u 'Mirovinskom vodiču za građane' kojeg je objavio Zavod za mirovinsko osiguranje su životni primjeri izračuna mirovine. Primjerice, evo slučaja 63-godišnje Marije koja je upravo stekla uvjete za odlazak u starosnu mirovinu. Pred njom je velik izbor, hoće li uzeti mirovinu samo iz prvog stupa ili će se odlučiti za kombiniranu mirovinu? Evo detaljnog izračuna kojeg donosi Mirovina.hr.

Mirovinska reforma 2019. godine građanima koji odlaze u mirovinu omogućila dvije opcije prilikom umirovljenja. Poznato je da tijekom radnog vijeka iz bruto plaće izdvajaju ukupno 20 posto mirovinskih doprinosa. Veći dio, 15 posto, odlazi u prvi stup, a preostalih 5 posto u drugi stup. Oba su obvezna.

Odlaskom u mirovinu budući umirovljenik ima izbor – hoće li prilikom umirovljenja sva sredstva iz drugog stupa prebaciti u prvi i otići u mirovinu kao da je cijeli život štedio samo u prvom stupu – ili odabrati kombiniranu mirovinu iz prvog i drugog stupa. Zavod za mirovinsko osiguranje ovih je dana objavio 'Mirovinski vodič za građane' u kojem je na primjeru jedne osobe objašnjena razlika između dvije spomenute opcije.

Primjer 63-godišnje Marije s plaćom od 7.056 kuna

Marija je upravo napunila 63 godine života i prema važećem Zakonu o mirovinskom osiguranju ostvarila je pravo za odlazak u starosnu mirovinu. Ima 40 godina staža, a prosječna bruto-plaća joj je iznosila 10.000 kuna. Neto plaća, ono što dobije na račun, u prosjeku joj je iznosila 7.056 kuna.

Marija može zatražiti informativni izračun mirovine u HZMO-u gdje će dobiti dva izračuna. Prvi je izračun pod pretpostavkom da će cjelokupnu štednju iz drugog stupa prenijeti u državni proračun i ostvariti mirovinu samo iz prvog stupa. Budući da ima uvjete za punu starosnu mirovinu (dakle, ne prijevremenu kod koje postoji penalizacija), izračun će joj pokazati 2.925 kuna. Marija u tom trenutku ne mora paničariti zbog malog iznosa jer se čitav iznos mirovine uvećava za dodatak od 27 posto koji joj postaje sastavni dio mirovine. Nakon toga mjesečna mirovina raste joj na 3.715 kuna.

Cijeli tekst i detaljno objašnjenje o izračunu mirovine pročitajte OVDJE. 

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Sve nas zanima kolika će nam jednog dana biti mirovina. neki će imati svega 1500 kuna, dok će neki uživati u mirovini koja će biti kao prosječna hrvatska plaća. 

Jedna od dobrih stvari u 'Mirovinskom vodiču za građane' kojeg je objavio Zavod za mirovinsko osiguranje su životni primjeri izračuna mirovine. Primjerice, evo slučaja 63-godišnje Marije koja je upravo stekla uvjete za odlazak u starosnu mirovinu. Pred njom je velik izbor, hoće li uzeti mirovinu samo iz prvog stupa ili će se odlučiti za kombiniranu mirovinu? Evo detaljnog izračuna kojeg donosi Mirovina.hr.

Mirovinska reforma 2019. godine građanima koji odlaze u mirovinu omogućila dvije opcije prilikom umirovljenja. Poznato je da tijekom radnog vijeka iz bruto plaće izdvajaju ukupno 20 posto mirovinskih doprinosa. Veći dio, 15 posto, odlazi u prvi stup, a preostalih 5 posto u drugi stup. Oba su obvezna.

Odlaskom u mirovinu budući umirovljenik ima izbor – hoće li prilikom umirovljenja sva sredstva iz drugog stupa prebaciti u prvi i otići u mirovinu kao da je cijeli život štedio samo u prvom stupu – ili odabrati kombiniranu mirovinu iz prvog i drugog stupa. Zavod za mirovinsko osiguranje ovih je dana objavio 'Mirovinski vodič za građane' u kojem je na primjeru jedne osobe objašnjena razlika između dvije spomenute opcije.

Primjer 63-godišnje Marije s plaćom od 7.056 kuna

Marija je upravo napunila 63 godine života i prema važećem Zakonu o mirovinskom osiguranju ostvarila je pravo za odlazak u starosnu mirovinu. Ima 40 godina staža, a prosječna bruto-plaća joj je iznosila 10.000 kuna. Neto plaća, ono što dobije na račun, u prosjeku joj je iznosila 7.056 kuna.

Marija može zatražiti informativni izračun mirovine u HZMO-u gdje će dobiti dva izračuna. Prvi je izračun pod pretpostavkom da će cjelokupnu štednju iz drugog stupa prenijeti u državni proračun i ostvariti mirovinu samo iz prvog stupa. Budući da ima uvjete za punu starosnu mirovinu (dakle, ne prijevremenu kod koje postoji penalizacija), izračun će joj pokazati 2.925 kuna. Marija u tom trenutku ne mora paničariti zbog malog iznosa jer se čitav iznos mirovine uvećava za dodatak od 27 posto koji joj postaje sastavni dio mirovine. Nakon toga mjesečna mirovina raste joj na 3.715 kuna.

Cijeli tekst i detaljno objašnjenje o izračunu mirovine pročitajte OVDJE. 

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SHUTTERSTOCK
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HrvatskaPENZIJA

Marija (63) ima 40 godina radnog staža i neto plaću od 7000 kuna: evo kolika će joj točno biti mirovina, pogledajte detaljan izračun

Piše psd
4. travnja 2022. - 17:40
21551264
PREMIUM
SHUTTERSTOCK

Sve nas zanima kolika će nam jednog dana biti mirovina. neki će imati svega 1500 kuna, dok će neki uživati u mirovini koja će biti kao prosječna hrvatska plaća. 

Jedna od dobrih stvari u 'Mirovinskom vodiču za građane' kojeg je objavio Zavod za mirovinsko osiguranje su životni primjeri izračuna mirovine. Primjerice, evo slučaja 63-godišnje Marije koja je upravo stekla uvjete za odlazak u starosnu mirovinu. Pred njom je velik izbor, hoće li uzeti mirovinu samo iz prvog stupa ili će se odlučiti za kombiniranu mirovinu? Evo detaljnog izračuna kojeg donosi Mirovina.hr.

Mirovinska reforma 2019. godine građanima koji odlaze u mirovinu omogućila dvije opcije prilikom umirovljenja. Poznato je da tijekom radnog vijeka iz bruto plaće izdvajaju ukupno 20 posto mirovinskih doprino...

#MIROVINA#PENZIJA#IZRAČUN MIROVINE
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12. svibanj 2024 18:30