{"id":143911,"date":"2025-11-03T05:00:00","date_gmt":"2025-11-03T04:00:00","guid":{"rendered":"https:\/\/www.mojevrijeme.hr\/magazin\/?p=143911"},"modified":"2025-11-03T00:08:48","modified_gmt":"2025-11-02T23:08:48","slug":"stednja-za-mirovinu-evo-koliko-biste-do-sada-trebali-imati-na-racunu","status":"publish","type":"post","link":"https:\/\/www.mojevrijeme.hr\/magazin\/2025\/11\/stednja-za-mirovinu-evo-koliko-biste-do-sada-trebali-imati-na-racunu\/","title":{"rendered":"\u0160tednja za mirovinu: Evo koliko biste do sada trebali imati na ra\u010dunu"},"content":{"rendered":"\n<p>Za ugodnu mirovinu bez suvi\u0161nog stezanja remena, nu\u017eno je pa\u017eljivo financijsko planiranje ve\u0107 od samog ulaska u svijet rada. Op\u0107i savjet investicijske tvrtke <em>Fidelity Investments<\/em> jest da biste u trenutku umirovljenja na ra\u010dunima trebali imati deset godi\u0161njih zarada.<\/p>\n\n\n\n<p>Dakako, godi\u0161nja zarada je uprosje\u010dena, budu\u0107i da malo tko cijeli \u017eivot zara\u0111uje jednako. Kad ka\u017eemo &#8220;na ra\u010dunima&#8221;, to uklju\u010duje \u0161tednju, dobrovoljna mirovinska osiguranja i investicije. <em>Fidelity <\/em>je izra\u010dunao i dinamiku prema kojoj bi se taj kapital trebao &#8220;talo\u017eiti&#8221; u idealnom scenariju.<\/p>\n\n\n\n<p>Kamen temeljac budu\u0107e mirovine trebao bi se postaviti do 30. godine i trebao bi biti jednak vrijednosti godi\u0161nje zarade. U slu\u010daju da osoba zara\u0111uje oko 25.000 godi\u0161nje, tolika bi trebala biti i vrijednost mirovinske \u0161tednje i investicijskih ra\u010duna. <\/p><div id=\"mojev-3735311747\" class=\"mojev-u-tekstu mojev-entity-placement\" style=\"margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Prikazni 1 u tekstu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"8535551207\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n\n\n\n<p>U idu\u0107ih deset godina, dakle do 40. ro\u0111endana, taj bi iznos trebao biti trostruk (75.000 eura), a do 50. godine \u0161est puta ve\u0107i (150.000 eura). U 60. godini dobro osigurana osoba trebala bi imati osam godi\u0161njih prihoda na ra\u010dunima. To bi bio iznos od 200.000 eura u slu\u010daju da zara\u0111uje 2.500 eura godi\u0161nje. Nastavi li raditi i \u0161tedjeti do 67. godine, iznos bi se trebao popeti na 250.000 eura ili deset godi\u0161njih zarada, savjetuje <em>Fidelity Investments<\/em>.<\/p>\n\n\n\n<p>Dakako, koliko \u0107ete ugodno \u017eivjeti s ovom u\u0161te\u0111evinom i mirovinom, ovisi o tomu kada \u0107ete se umiroviti. Prijevremeno umirovljenje sa sobom povla\u010di i manju mirovinu i manju mirovinsku \u0161tednju uz ve\u0107i broj godina na koje \u0107ete taj novac rasporediti.<\/p>\n\n\n\n<p>\u017divotni stil koji planirate imati u mirovini tako\u0111er je va\u017ean. <em>Fidelity <\/em>je ovaj izra\u010dun predvidio za one umirovljenike koji odlaskom u mirovinu ne\u0107e mijenjati \u017eivotni stil te ne namjeravaju ni smanjivati tro\u0161kove, ali ni pove\u0107avati potro\u0161nju. <em>(r)<\/em><\/p>\n\n\n\n<p><\/p>\n<div id=\"mojev-1764282555\" class=\"mojev-kraj-teksta mojev-entity-placement\" style=\"margin-bottom: 20px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Display-1 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"1465712950\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Koliko bismo trebali \u0161tedjeti za mirnu starost bez odricanja? Prema izra\u010dunu velike investicijske ku\u0107e Fidelity Investments, \u0161tednju za mirovinu trebalo bi zapo\u010deti ve\u0107 s prvim radnim danom, a njezin rast pratiti kroz svako desetlje\u0107e rada \u2013 sve do trenutka kada mo\u017eemo u\u017eivati u istom \u017eivotnom standardu i nakon odlaska u mirovinu.<\/p>\n","protected":false},"author":1,"featured_media":101894,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[1271,3901],"class_list":["post-143911","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mozaik","tag-financije","tag-mirovinska-stednja"],"_links":{"self":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/143911","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/comments?post=143911"}],"version-history":[{"count":1,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/143911\/revisions"}],"predecessor-version":[{"id":143915,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/143911\/revisions\/143915"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media\/101894"}],"wp:attachment":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media?parent=143911"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/categories?post=143911"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/tags?post=143911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}