The Effects of Measures to Encourage Voluntary Pension Savings in the Republic of Croatia
Bibliographic record
Abstract
Ovaj završni rad istražuje učinke mjera poticanja dobrovoljne mirovinske štednje u Republici Hrvatskoj s posebnim naglaskom na analizi mirovinskog sustava. Definiraju se pojam i struktura mirovinskog sustava, uz naglasak na prednosti i rizike ulaganja u mirovinske fondove koji su podijeljeni na otvorene i zatvorene te obuhvaćaju tri mirovinska stupa. Prvi stup, koji je obavezan, temelji se na načelu međugeneracijske solidarnosti i osigurava mirovine sadašnjim umirovljenicima. Drugi stup, također obavezan, omogućuje povoljnije mogućnosti mirovine putem privatnih mirovinskih društava pod nadzorom Hanfe. Treći stup predstavlja dobrovoljnu mirovinsku štednju koja dopunjuje obavezne mirovinske sustave. Rad se posebno fokusira na analizu dobrovoljnih mirovinskih fondova, uključujući karakteristike fondova, strategije ulaganja, troškove upravljanja i rizike. Naglašava se važnost trećeg mirovinskog stupa za dugoročnu stabilnost mirovinskog sustava, uz razmatranje faktora visine mirovine i opcija isplate. Cilj rada je pružiti detaljan uvid u funkcioniranje mirovinskog sustava i identificirati mjere koje bi mogle unaprijediti dobrovoljnu mirovinsku štednju, osiguravajući time bolju financijsku stabilnost i sigurnost za buduće umirovljenike.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".