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Analysis of the family budget during the whole life time
Křížková, Michaela ; Zámečník, Petr (advisor) ; Šikýř, Martin (referee)
The aim of this work is to analyze incomes and expenses of individual person and families during their life, to find appropriate opportunities for savings and investment for certain situations in life, to calculate the efficiency of investment to education, to calculate funding their own flat or house compared to living in a rented flat or house, to calculate the costs of a child, to find out when it is appropriate to insure themselves, to plan the financing for seniors. Historically averages and interest rates of mortgages, the growth of emerging markets, the average of inflation rate are used for every calculation. In conclusion, there is given a complete perspective of total income and expenses.
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Analysis of methods for old age security
Kesely, Ladislav ; Gruber, Petr (advisor) ; Radová, Jarmila (referee)
The bachelor's thesis focuses on the czech pension system, its problems and its future progress. It analyzes various products of the pension system, as well as all other products, that can be used to secure one's income in the old age, focusing mainly on the yield, risk and liquidity of the investment and all of various aspects affecting it - mainly the legal framework of the products and the conditions, under which it is possible to obtain these products in the czech financial institutions. The conclusion of the thesis contains a simple recommandation, which products are suited for various investors under certain circumstances and it can be used for making decisions, how to financially prepare yourself for the old age.
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Analysis of savings accounts for individuals in the CR
Hynek, Jan ; Zetek, Pavel (advisor) ; Matejašák, Milan (referee)
The thesis is focused on the analysis of the assessment options of available funds using more conservative instruments of the financial sector. They are mainly the savings accounts and the term deposits. In the first part, the status and the role of the banks and credit unions in the financial sector will be determined, including offered products and services. The following part then analyzes various products in terms of real return, the fees, other costs and additional services in detail. In the end, it was found that under current conditions it is possible for an increased acceptance of the risk to get the highest evaluation with Metropolitan credit union's savings account.
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Complex doing of family financial plan
Černochová, Martina ; Smrčka, Luboš (advisor) ; Slezáková, Dita (referee)
Personal and family finances are important part of our life. People deal with the issues of money, its earning, spending and evaluating every day. Despite this fact, there is a huge financial illiteracy in the Czech Republic, which causes an inefficient management of our personal finances and also wrong decisions related to choices of financial products. The goal of this thesis is to describe products on Czech financial market in clear and comprehensible way, as well as principles of their functioning and rules for their usage. It tries to give simple manual how to proceed in decisions about own finances. In the first part of this thesis, there is a theoretical basis of this issue and a summary of the products. In the practical part, there are three concrete financial plans for three concrete families. Finally, there is a generalization of the suggested procedure.
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Personal and family finances
Bláha, Tomáš ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
This thesis focuses on financial planning and it's phases. It contains overview and characteristics of general financial products, which are suitable for families such as bank accounts, insurance, investment instruments and loans. Last section of this thesis contains an example, which shows application of some financial products.
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Family Financial Planning
Dlouhý, Stanislav ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
This Master's thesis focuses on family financial planning and emphasizes its importance in our lives. It's divided into several chapters that are logically linked to each other and form a complex whole. The main part consists of an overview of basic financial products, which everyone should have at least basic awareness of. Description of financial products is mainly focused on its functioning, specifics, advantages and disadvantages. In the next chapter is shown a few examples of how to create a family financial plan in practice.
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