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Comparison of Selected Financial Products Contributing to Old Age Ensurance
Sýkorová, Renáta ; Oppl, Michal (referee) ; Rejnuš, Oldřich (advisor)
This bachelor thesis deals with one of the biggest social problems of present days, with the retirement system. Regarding the fact that the retirement system in the Czech Republic is unsatisfactory, it is necessary to prepare for the retirement individually without relying on the support of the state. I aim my bachelor thesis at selected products of the financial market that can help ensure contented old age. The analysis takes into consideration the age, the amount of savings and, last but not least, the tax rates to which people belong. The theoretical part deals with the most important definitions and describes the functioning of particular products. The practical part analyses examples of clients saving their money at different times, in different combinations of investment sum, and various examples of tax groups. This part deals with comparison of different products and tries to find the ideal combination for saving for the old age.
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Analysis of the evolution of retirement system in the Czech Republic since 1993
Hromková, Šárka ; Zeman, Karel (advisor) ; Krebs, Vojtěch (referee)
The purpose of this thesis is an analysis of the evolution of the retirement and pension system in the Czech Republic since 1993 up to the present time, with focus on law reform provisions and associated financing methods, applied legislative and institutional framework and encumbrance of public budgets. Many European countries have already performed reformation of their pension systems, the reason mostly being demographic changes and unsustainability of pension financing solely from public budgets. This topic is becoming relevant also in the Czech Republic in view of the II. pillar pension savings introduced in the beginning of the previous year. Nevertheless, this will apparently not be the last step in the context of pension reforms given the unexpectedly low number of participants in the pillar. Overburdening of the public budgets and insufficient provisioning of elder population thus still remain some of the capital problems of the Czech Republic. In the theoretical part we first characterize the theory of public budgets and sketch the significance of the cash flow itself. Next we will define the meaning of retirement and pension systems, their classification according to the type of financing and operation and their respective advantages and disadvantages. We will also determine the main factors influencing the form of these systems. In the practical part we carry out the analysis of the retirement and pension system in the Czech Republic, structured into several time intervals delimited by the effected reform provisions since 1993 until the present. We investigate each of these stages separately, focusing mainly on financing methods and the impact on the public budgets; and further from the point of view of the legislative and institutional frameworks. Finally we will assess the effectiveness of the reform provisions and their impact on the provisioning of elders and the public budgets.
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Elderly people as a target group of government policies in the Czech Republic
SOBOTKOVÁ, Hana
The aim of the paper is to analyze changes in the attitude of governments and major political actors towards seniors as a specific social group; their interests, quality of life, and projected dignity. The paper describes political ideologies, retirement systems, and pension plans. It aims to capture the perceptions of the life needs and human dignity of seniors that underscore major decisions, and to explain how these perceptions have changed in the past decade. How sensivitity to basic ethical principles has evolved and how these principles have been permeated by purpose-rational expectations (political influence, economic prosperity). The paper tries to describe the prospects of applying ethical principles in current political practice in relation to seniors and to addressing their needs.
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Analysis of mandatory spending focusing on pension reform
Čichovská, Tereza ; Urbánek, Václav (advisor) ; Klazar, Stanislav (referee)
The thesis is focus on problems of increasing ratio of mandatory spending and total spending of state budget when I apply my mind to statutory mandatory spending which contains social transfers (especially benefits of pension insurance). I apply my mind to development of mandatory spending, retirement system and prepared retirement reform in individual parts of the thesis. Within retirement reform I am concerned with approved changes, basic parameters of retirement reform and I characterize newly established second pillar of retirement system. I focus on II. pillar in detail and I analyze how many people (especially employees) are going to probably join the II. pillar. When I practice the analysis I respect basic facts and conditons of joining the II. pillar and I take into account various recommendations of that. In closing I also calculate which impact the joining the II. pillar have on revenue part of state budget.
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Analysis of Pension System in Germany and Comparison with the Czech Republic
Sedláčková, Lucie ; Vopátek, Jiří (advisor) ; Šimůnková, Iveta (referee)
Graduation theses Analysis of retirement systém in Germany with fundamental comparison retirement system in Czech republic will analyse retirement systém in Germany. Attention will be apply to reforms already carried out and problematic issues retirement systém. Retirement system than will be compared with retirement system in Czech republic in the main features. Component of the graduation theses will be teoretical solution of selected problems of the retirement system in Czech republic.
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The ensuring by means of the pension funds
Kopřivová, Lenka ; Radová, Jarmila (advisor)
I would like to describe the present form of the supplementary insurance in the Czech Republic. At first I have put mind to the characterization of this product. After it I have defined the pension funds and I have recommended the suitable corporation for the potential customers. This year we have listened the discussion about the retirement pension and its efficiency. Therefore I have taken the suggested changes of the retirement system in my writing. At the conclusion I have evaluated the results of the checklists. Due to them I have polled the public opinion about the supplementary insurance. The main object of my work is the describing the structure: PENSION FUND -- SUPPLEMENTARY INSURANCE -- PUBLIC.
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