Voluntary pension savings

Provide for a solid income once you retire and have no anxiety waiting for it!

Voluntary pension savings

Provide for a solid income once you retire and have no anxiety waiting for it!

Find out more

Your needs

 

Take care of your future as early as today!

Thinking about what to do to fill your days once you retire? Same old things or will you want to venture into something that you have no time for now? The time is right to start saving for your retirement and provide a decent income for yourself in the future.

Benefits

  • Capitalization of invested funds

    Capitalization of invested funds

    By investing your funds in capital markets, we earn a earnings yield that will increase the value of your assets.

  • State incentives funds

    State incentives funds

    You are entitled to state incentives equaling 15 % of the total annual payment into the fund, or up to a maximum of HRK 750.

  • Flexible payments

    Flexible payments

    A decision about when and how much you will invest into the fund when possible is entirely your own.

  • Saving inheritance

    Saving inheritance

    Any payments into the fund are your personal assets and may be inherited in its entirety. 

  • Possibility of withdrawal on turning 50 years of age

    Possibility of withdrawal on turning 50 years of age

    You don’t need to retire before withdrawing the funds you have saved, you may choose one of the pension types we offered as early as turning 50 and begin receiving pension payments.

Voluntary Pension Savings calculation

 

The more time you have for retirement savings the better!

If you have not yet started saving in a voluntary pension fund, use the calculator and make an informative calculation of capitalized funds (possible savings) using the remaining number of years left until retirement. We remind you that according to the currently applicable legal regulations for the full retirement age,  women go from the age of 62, and men with 65.

 

More information

  • No restrictions on membership

    No restrictions on membership

    As there are no age or health restrictions, anyone can become a member of the voluntary pension fund

  • Employers' tax relief

    Employers' tax relief

    Employers can enjoy tax relief on voluntary pension payments made on behalf of their employees – monthly payments of up to HRK 500, or HRK 6,000 a year, are not considered salary but are recognized as the employer’s tax deductible expense

  • Payment interruption does not mean end of membership

    Payment interruption does not mean end of membership

    Membership of the fund does not end if payments into the fund are interrupted or become irregular, the personal account of the member continues to earn an earnings yield on invested funds

  • Voluntary pension savings within iDIREKT Internet banking!

    Voluntary pension savings within iDIREKT Internet banking!

    Overview of the balance of your personal account in voluntary pension fund is now available in iDIREKT Internet banking.

How to become a member

 

Become a member as soon as possible and start your pension savings immediately!

Become a member as soon as possible and start your pension savings immediately!
You may use the services of following staff to join the Raiffeisen voluntary pension fund:

• personal banker at any RBA branch
• authorized advisers – book a meeting with an authorized advisers by calling our free of charge info line 0800-0900 or sending your contact details by e-mail to: mojamirovina@rmf.hr
• at Raiffeisen pension fund sales offices

Further information on voluntary pension savings is available on the website of Raiffeisen pension funds