AZ PROFIT
AZ Profit is a voluntary pension fund appropriate for the members who plan to save longer and who are willing to take on moderate investment risk in order to potentially achieve a higher yield. A longer savings period increases the number of payments and prolongs the capitalization period.
The fund can invest up to 60 % of its assets into bonds, and up to 40 % into stocks, as well as other financial instruments in accordance with the Prospectus.  Due to a moderately conservative investment policy, a higher yield may be achieved, but unit price and value of invested funds may drop during particular periods.

AZ BENEFIT
AZ Benefit is a voluntary pension fund appropriate for the members who find security more important than the yield. Generally, they are older persons who will, on average, save during a shorter period. The fund portfolio consists of a larger portion of bonds, which seeks to achieve greater security of the invested funds.
The fund has an extremely conservative investment policy. Under normal market conditions, the fund invests up to 90% of its assets into bonds, and up to 10% into stocks, as well as other financial instruments in accordance with the Prospectus.
  

Benefits

  1. Fund yield

By investing fund assets in different financial instruments (stocks, bonds and the like) in capital markets, the Company seeks to achieve a yield which will increase the fund assets, i.e. funds of fund members. Given the purpose of savings, investments of assets of pension funds are characterized by being long-term. Therefore, the fund yield should be analysed over a longer period (e.g. over 15 years, which is estimated to be an average savings period in a fund).

  1. Government incentives

The state pays out government incentives (GI) for invested funds to encourage us to invest in voluntary pension savings with additional 15% added to the value of the funds paid in one calendar year (only in one voluntary pension fund), up to a total of HRK 5000. This means that the amount in the account may be increased using GI, up to HRK 750 annually.

Any member residing in the Republic of Croatia or a member who is a Croatian citizen is entitled to government incentives. Furthermore, members who are not Croatian citizens are also entitled provided that they reside in a country which is an EU Member State or a signatory of the Agreement on the European Economic Area, but are only entitled during a period when their mandatory pension insurance - second pillar contributions are paid in the Republic of Croatia.

  1. Tax relief for employers

Sole proprietors, the self-employed and owners of small or larger family companies do not pay additional tax or contributions for payments made into voluntary pension savings for themselves or their employees up to the amount of HRK 500 a month or HRK 6,000 a year.

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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Postavke kolačića

Tehnički kolačići (neophodni)

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Marketinški kolačići (neobavezni)

Tehnički kolačićiUvijek aktivni

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JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

Parent_alive - kolačić sesije poslužitelja

Gtm_tracking - čuva korisnikov pristanak na praćenje

Option_set – čuva vrijednost za pokazivanje cookie bara

Zaba_performance- čuva posjetiteljev pristanak za bolje performance


Performansni kolačići

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ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba

ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi


Marketinški kolačići

Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.

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CONSENT - postavke kolačića - google.com

DV - Google ad personalizacija - google.com

NID - Google ad personalizacija - google.com

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick

ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća

gid - koristi se za razlikovanje korisnika jednog od drugog.

Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.

uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.

Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.

Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa

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HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima