Mirovinska pismenost i štednja za treću životnu dob

Individualna odgovornost pojedinaca i privatna štednja za mirovinu postaju sve važniji za primjereno financiranje životnog standarda u trećoj životnoj dobi. No, za ulaganje u privatne oblike štednje za mirovinu pojedinci u radnoj dobi trebaju biti dovoljno mirovinski pismeni ili informirani. U ovom se radu na reprezentativnom uzorku aktivnih stanovnika u Hrvatskoj ispituju razlike između mirovinski nepismenih i mirovinski pismenih kao i povezanost mirovinske (ne)pismenosti s različitim vrstama privatne štednje za treću životnu dob. Skupina mirovinski nepismenih čini više od polovice radno-aktivnog stanovništva u Hrvatskoj. U odnosu na mirovinski pismene, oni se statistički značajno razlikuju prema određenim demografskim karakteristikama, stavovima i uvjerenjima te ponašanjima i namjerama prema štednji za starost. Jedan od najznačajnijih rezultata istraživanja jest da je mirovinska pismenost važan prediktor ne-klasičnih vrsta štednje što ukazuje na to da mirovinsko opismenjavanje može predstavljati značajan poticaj privatnoj štednji za mirovinu. Osim mirovinske pismenosti, značajan prediktor svih vrsta privatne štednje jest stav prema toj vrsti štednje što znači da podizanje povjerenja i primjerenosti kao odrednica stavova prema štednji za treću životnu dob predstavlja još jedan mogući put u poticanju privatne štednje.Individual responsibility and private savings for retirement are becoming increasingly important for the adequate financing of living standards in the third age. However, in order to invest in private forms of retirement savings, working age individuals should be sufficiently pension literate or informed. In this paper researchers examine the differences between pension literate and illiterate participants, as well as the link between pension (il)literacy and various types of private savings for the third age on a representative sample of active population in Croatia. Pension illiterate group makes more than a half of the active working population in Croatia. When compared to pension literate active population, they are statistically significantly different according to certain demographic characteristics, attitudes and beliefs, as well as behaviors and intentions towards savings for the old age. One of the most important findings is that the pension literacy is an important predictor of non-traditional types of savings, indicating that the pension literacy may represent a significant boost to private savings for retirement. In addition to pension literacy, a significant predictor of all types of private savings is the attitude towards a specific type of savings. This implies that raising measured elements of attitude, such as trust towards the specific type of savings for the third age and its perceived appropriateness, is another possible way to encourage private savings