A bill on the Croatian investment account is currently before Parliament. Its purpose is to allow individuals to invest in shares, bonds and investment funds through a dedicated account and reinvest returns without calculating tax on every individual transaction within the account. The tax treatment would instead depend on the rules governing contributions to and withdrawals from the system.

Under the current proposal, total contributions would be capped at EUR 200,000 per person. Long-term investors could receive an additional allowance of EUR 50,000. At least 20% of the portfolio would have to be linked to Croatian financial instruments, with the aim of directing part of private savings towards the domestic capital market.

The parliamentary committee raised several practical questions: how existing investments would be transferred, whether transferred assets would count towards the total limit, how parents could open an account for a minor child, and what concentration in a single issuer should be permitted. Representatives of the bill's sponsor stated that an existing portfolio could be transferred voluntarily and that transferred assets would count towards the limit. The 20% allocation and individual restrictions may still change during the legislative procedure.

The Croatian investment account is therefore still a first-reading legislative proposal rather than an available product. Practical use requires enactment of the final text, a commencement date and detailed arrangements for account administration by authorised service providers.