Pan-European pension product is an innovative product interesting by its characteristics. It represents a new form of voluntary savings for retirement in the European Union. It is gaining more and more importance as aging has become a demographic trend that is increasing in the territory of the European Union and the Republic of Croatia, and there is less and less workforce working for those in retirement. This paper analyzed the characteristics of the pan-European pension product and examined the interest in investing within the borders of the Republic of Croatia. The current mindset about ways of saving and the safety of the institution in which individuals invest their money was investigated as well as the importance of characteristics when choosing savings, together with information about the benefits that such forms offer. The research was conducted to survey the potential of investing in pan-European pension product in the Republic of Croatia and its use by students, the future workforce and young people, the current workforce. Due to availability, the questionnaire was solved by a few of them outside the target population. A total of 207 people participated in the research. The data thus collected were analyzed in a statistical program in which the basics of descriptive statistics were extracted. A correlation analysis was used to examine the population's interest in investing in different forms of savings and in a pension product. In this way, several key variables were interrelated, based on which a conclusion and a proposal were made on how to encourage investment in a pan-European pension product.