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Analysis of the Croatian Pensioner's Doubt 2005th

Abstract This paper answers the question that was, at the end of year 2005, set in front of the majority of Croatian pensioners. The government put forward a plan of debt repayment to each pensioner, giving him/her an option of two models: A fast (accelerated) model and a regular model of debt repayment. The paper analyzes and compares these two models, depending on the pensioner’s age, gender and individual rate of value of money i . The paper presents mathematical expressions for calculating the present value of all payments for both models. The model with greater present value is considered to be better option for a person at age x . The goal is to find a critical (turning) rate x i ~ at which the profitability of both models equalizes. Analysis of the conditions of existence and uniqueness of rate x i ~ is done for any age x . Finally, for women, men and