Thinking about savings combination? Do you prefer a combination of investment in savings deposit and investments in Raiffeisen voluntary Pension Fund or savings deposit and investment in Raiffeisen Invest?
You prefer a safe form of savings but would like to earn a higher interest rate?
We present to you Srebrne kombinirke - a combination of investment in non-purpose fixed-time savings deposit in EUR and investments in Raiffeisen voluntary Pension Fund (RDMF)!
Stimulating fixed bonus
A stimulating fixed bonus under the package is added to the stimulation for the Clients holding an account with the Bank to which they route their regular income (salary or pension)
Higher interest rate
Total fixed interest rate up to 0,95% p.a. above the regular rate (interests on time deposit, annual, fixed in EUR; effective interest rate equal to the nominal)
Additional pension savings
Fund return, state incentives and possibility of payment by the employer!
This saving investment package consists of a non-purpose time deposit denominated in EUR and an investment part in Raiffeisen voluntary Pension Fund (RVPF).
The deposit part represents the amount placed under the time deposit agreement at the interest in EUR for the agreed period of 6 months + 1 day or 12 months + 1 day.
Upon the expiry of the agreed period the following is paid: principal + fixed interest + stimulated fixed bonus*
*additional interest rate at which the client is entitled to if he makes an agreement in RVPF and immediately makes a deposit to RVPF of HRK 800.00.
The investment part represents the amount invested in the Raiffeisen voluntary Pension Fund, for the minimum period lasting from the moment of arranging the deposit to the time of customer reaches the age of 50 or more. The minimum amount of the one time non-purpose deposit that the customer is to pay to the RVPF immediately on the occasion of contracting the product amounts at HRK 800.00, whereas other amounts and the dynamics of depositing to the RVPF are determinate by the customer themselves, according to their abilities.
Time deposit period Stimulating fixed bonus Investment part (RVPF) Deposit part 6 mths.+1 day 0,75% min. HRK 800,00 EUR 1.000,00 - EUR 18.000,00 12 mths.+ 1 day 0,60% min. HRK 800,00 EUR 1.000,00 - EUR 18.000,00
Entry fee is arranged only as a one-time fee. Capitalized assets amount withdrawal from the personal account and their transfer to the pension insurance company is possible only after the respective customer has turned 50 years of age.
Additional benefits provided by arranging the voluntary pension savings are as follows
• the right to fund yield that is added to the assets paid to RVFP,
• the right to Government stimulus (DPS) equaling 15% of the amount deposited with the RVPF, a maximum of HRK 750.00 annually,
• possibility of payments by the employer of up to HRK 500.00 a month or HRK 6,000.00 a year, which is a tax-deductible expense to the employer and is not considered salary.
How to realize the rights to the Srebrne Kombinirke package benefits the customer is to arrange the following agreements in any RBA retail outlet
the RBA non-purpose time-fixed savings deposit in EUR for the amount of at least EUR 1.000,00 up to a maximum of EUR 18,000.00 for a period of 6 months + 1 day or 12 months + 1 day and
the membership with the RVPF and on the occasion immediately deposit HRK 800.00 to the customer´s respective account with the RVPF.