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master's thesis
Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine
Zagreb: University of Zagreb, Faculty of Economics and Business, 2022. urn:nbn:hr:148:798508
Arežina, Nives
University of Zagreb
Faculty of Economics and Business
Department of Finance

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Cite this document

Arežina, N. (2022). Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine (Master's thesis). Zagreb: University of Zagreb, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:148:798508

Arežina, Nives. "Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2022. https://urn.nsk.hr/urn:nbn:hr:148:798508

Arežina, Nives. "Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2022. https://urn.nsk.hr/urn:nbn:hr:148:798508

Arežina, N. (2022). 'Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine', Master's thesis, University of Zagreb, Faculty of Economics and Business, accessed 25 December 2024, https://urn.nsk.hr/urn:nbn:hr:148:798508

Arežina N. Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine [Master's thesis]. Zagreb: University of Zagreb, Faculty of Economics and Business; 2022 [cited 2024 December 25] Available at: https://urn.nsk.hr/urn:nbn:hr:148:798508

N. Arežina, "Potencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine", Master's thesis, University of Zagreb, Faculty of Economics and Business, Zagreb, 2022. Available at: https://urn.nsk.hr/urn:nbn:hr:148:798508

Metadata
TitlePotencijali ulaganja mirovinskih fondova u Republici Hrvatskoj u nekretnine
Title (english)Pension fund investment potentials in Republic of Croatia in real estate
AuthorNives Arežina
MentorJakša Krišto (mentor)
Committee memberBranka Tuškan Sjauš (predsjednik povjerenstva)
Committee memberMaja Mihelja Žaja (član povjerenstva)
GranterUniversity of Zagreb
Faculty of Economics and Business
(Department of Finance)
Zagreb
Defense date and country2022-09-14, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U današnje vrijeme mirovinski fondovi predstavljaju neizbježne sudionike na cjelokupnom financijskom tržištu. Njihov se značaj očituje u osiguranju primjerenog životnog standarda pojedinaca na kraju njihovog radnog vijeka, odnosno za vrijeme umirovljenja. Navedeno postižu prikupljanjem sredstava od pojedinaca koja zatim dalje ulažu s ciljem povećanja vrijednosti fonda, kako bi imali dostatna financijska sredstva za isplatu mirovina i profit. U pravilu, mirovinski fondovi predstavljaju ulagače izrazito osjetljive na rizik, kojima je očuvanje kapitala na prvom mjestu. Osim toga, isti imaju veliku potražnju za gotovinom i likvidnošću, kao i ciljanu stopu povrata zbog velikih izdataka za pripadne obveze. Budući da su u posljednjih nekoliko godina, prinosi na obveznice znatno pali i to na globalnoj razini, mirovinski se fondovi okreću alternativnim oblicima ulaganja, uključujući nekretninama. Međutim, isti u Republici Hrvatskoj podliježu snažnim regulatornim ograničenjima za direktna ulaganja u nekretnine, stoga svoju imovinu ulažu na druge zakonski dopuštene načine. Primjerice, indirektno ulažu u nekretnine ulaganjima u investicijske fondove koji u svojim portfeljima imaju nekretnine kao oblik investicija.
Abstract (english)
Nowadays, pension funds represent inevitable participants in the entire financial market. Their importance is manifested in ensuring an adequate standard of living for individuals at the end of their working life, that is, during retirement. They achieve the above by collecting funds from individuals who then further invest with the aim of increasing the value of the fund, in order to have sufficient financial resources for the payment of pensions and profits. As a rule, pension funds represent investors who are extremely sensitive to risk, for whom the preservation of capital comes first. In addition, they have a high demand for cash and liquidity, as well as a target rate of return due to high outlays for contingent liabilities. Since in the last few years, the yields on bonds have fallen significantly on a global level, pension funds are turning to alternative forms of investment, including real estate. However, in the Republic of Croatia, they are subject to strong regulatory restrictions for direct investments in real estate, so they invest their assets in other legally permitted ways. For example, they indirectly invest in real estate by investing in investment funds that have real estate as a form of investment in their portfolios.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:148:798508
Study programmeTitle: Business Economics
Study programme type: university
Study level: integrated undergraduate and graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to authenticated users
Terms of useLicence In copyright icon
Created on2022-09-16 10:46:20