The pension system in the Republic of Croatia has been reformed in accordance with the guidelines and instructions of the European Commission. The aim of the reform was to establish a more economically sustainable, and for beneficiaries more favorable and generous way of financing in retirement. A number of major interventions and minor interventions in the system have been carried out in the last 20 years, and the results and the opinion of the citizens are not entirely satisfactory. The subject of this paper is the analysis of citizens’ opinions on the success of pension funds, their awareness and information, the respondents' interests in the results of pension funds, interest in places of investment and availability of information about investments. The aim of this paper is to describe the attitudes of respondents about the performance of pension funds. Citizen education is a very important element in the overall synergy of the pension system. Therefore, the pension information centers established with the help of EU funds are a step forward. However, in order for the system to show a real result, it is necessary to obtain financial results to the satisfaction of both the user and the state. There are much more serious objections in this area and the profession faces a serious challenge and room for further reforms.