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Financial coverage of the people's needs in old age
Pulkrabová, Markéta ; Radová, Jarmila (advisor)
Thesis deals with two main options, which are in the Czech Republic most commonly used for financial security in old age. First, it is a state old-age pension, which is due to its significance in the Czech pension system in the thesis given the most attention. The other source is additional pension insurance with state contribution, which is most suitable, while a complementary product to the basic retirement pension. This bachelor thesis also briefly shows the major milestones in the development of the pension system up to year 2010 and subsequently also the prepared pension reform. The analytical part of the paper shows the impact of the forthcoming legislative changes to the amount received of old-age pensions, and how to choose on the basis of selected criteria the right pension fund.
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Rate of return on old age pension system
Audy, Daniel ; Klazar, Stanislav (advisor) ; Dugová, Alena (referee)
Old age pension scheme system consists of two time periods of different lengths. During the first stage the insured persons contribute financially a certain part of their base of assess into the system. For purposes of this work we can call this sum a percentage of their income. On reaching a certain age the insured people can draw regular amounts of money, called old age pension. Insurance rate should be paid for a longer period of time and in smaller amounts. Old age pension should be, on the other hand, higher and be available for a shorter period. This works tries to find out which of these two sums (in total) is higher: insurance rate of pension.The value studied is the rate of return, which compares the money paid by the state with the insurance money. Actual employees' salaries reflecting the progression of the lifetime income were used in calculations. Concurrently, this work enables to understand the method of calculation of old age pension nominal value for the year 2011 and takes into account the changes within the so called small pension reform.
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Analysis of the profitability of the supplementary pension scheme, with an emphasis on taxation
Vanišová, Šárka ; Klazar, Stanislav (advisor) ; Teklý, Lukáš (referee)
The subject of this thesis is to assess the status of the supplementary pension scheme in the Czech Republic. The work deals with issues of return pension schemes. Examines aspects that affect profitability, in particular the taxation of pension schemes and the investment of pension funds. On the basis of the knowledge generated through analysis of the comparison is made of benefits to be paid at the end of the period -- annuities and lump sum compensation. The analysis performed provides information about which of these benefits is for the client to the pension fund more profitable option. The first part of the work deals with the characteristics of the supplementary pension scheme in the Czech Republic, describes its emergence, evolution, status in the pensions system. In the second chapter are discussed the main aspects that affect its profitability, taxation, and return on pension funds. The third chapter contains the comparsion annuities and lump sum compensation.
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Penzijní systémy ve východní Asii
Tran, Tra My ; Radová, Jarmila (advisor)
This paper focuses on pension systems in East Asia region. Demographic and economic background is presented besides the basic classification and the recommended structure of a pension system. Development of Chinese, Japanese, South Korean and Singaporean pension systems is then described in detail. Challenges ahead these four countries is outlined in the context of further pension reforms. Finally, pension systems of selected countries are compared with each other.
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Pension reform, as proposed by the present government CR
Straková, Kristýna ; Vybíralová, Ivana (advisor) ; Krebs, Vojtěch (referee)
For many years has been pension reform widely discussed topic by governments of the Czech republic representatives. Its final form has been for many years unclear unclear and approval of individual points faced opposition as each political party had different view. First major change came with decision of Constitutional Court that current pension system proclaimed little merit. Another major change, the implementation of capital pillar, is planned for 2013. Experts agree that no ideal pension system exists. Furthermore, government had to compromise to reach version that can pass. Final version of the pension reform will inevitably lead to increase in budget deficit, by 22 billion in 2020, compared with situation of not reforming the pension system at all.
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Project of house for indigent and problematic seniors.
LIŠKOVÁ, Kateřina
At present, the whole world has one characteristic feature in common, which is an increasing number of people reaching a high age. In this respect, the Czech Republic is no exception. As a result, the percentage of senior citizens is also steadily increasing. Most of these senior citizens will be threatened by a low income, especially those who live alone. At present there is no statistics that would show the numbers of senior citizens in specific age groups concerning the amount of pensions, and there is no statistics that would show the numbers in territorial units at lower levels than regions. It is surprising that, with the present alarming prognoses of the numbers of senior citizens, statistical data concerning pensions are not analysed in detail. Some of them rank in the group of poor and problematic senior citizens, as a result, for instance, of paying a low social insurance of failing to pay any social insurance at all. It will be necessary to create a network of services for low-income senior citizens that will guarantee their primary needs. The objective of this thesis was to carry out a monitoring of the need of services for low-income senior citizens, and a proposal of a possible provider of these services. The methodological process included a content and secondary data analysis of socio-demographic indicators about the population of senior citizens. The collection of primary data was conducted in the form of a semi-controlled interview with providers of social services for senior citizens. The target set consisted of senior citizens in the administrative area of the municipality with extended authority of České Budějovice, and the set subject to study consisted of providers of social services for senior citizens. The results of my diploma thesis have confirmed that a service for low-income senior citizens in České Budějovice is not available. My diploma thesis will constitute a basis for the Council of the City of České Budějovice when dealing with the questions concerning services for low-income senior citizens.
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Leisure Time of Seniors
MALIŇÁKOVÁ, Věra
The work deals with leisure time of elderly people. The purpose is processing problems of leisure time by seniors focused to the Universities of the third age in Czech Republic. First is described leisure time generally. In the next part is proceed theme of aging and old age. There is defined and described periods of aging included all changes connected.. In the third part work deals with Universities of the third age as a option of meaningful exploitation leisure time. At the close are described results from the list of questions. Objective of questionary is estimation of satisfaction elderly people with study on the University of the third age, problems of this method education and effect studying to the people.
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Pension Additional Insurance in the Czech Republic and in France
KADLECOVÁ, Ria
This thesis focuses on the pension funds in the Czech Republic and in France. The main goal is to analyze and compare the differences on these two financial markets. The first theoretical part focuses on the pension additional insurance in the Czech Republic and in France, the system of the pension funds in both countries and the view of the pension funds in the Czech Republic. The second part analyses the pension funds in the Czech Republic and in France. These pension funds are evaluated on the basis of economic criteria including their investments, their net profit and rate of profit. The pension funds in the Czech Republic are analysed by the using of calculations such as the return on average assets and return on average equity. At the end of this thesis the comparison of the pension funds in the Czech Republic and in France is placed. This chapter consists of the reform of the pension system in the Czech Republic as well as the evaluation of the pension systems in the Czech Republic and in France.
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