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Supplementary pension savings funds within the pension system of the Czech Republic
PRÁŠILOVÁ, Vendula
The topic of the bachelor thesis focuses on supplementary pension savings funds within the pension system of the Czech Republic. The aim of the thesis is to analyse the participatory and transformed funds according to the set criteria and to evaluate the impact of the planned changes in the pension system on these funds. In the first part of the analysis, pension companies are evaluated on the basis of the number of active participants, funds invested, funds offered and management costs. The analysis then focuses on the appreciation and real appreciation of the funds as well as the risks associated with the investments, where statistical indicators such as standard deviation and coefficient of variation are key. The funds are divided into transformed and participating funds and further divided into mandatory conservative, balanced and dynamic participating funds. The results of the analysis determine the best pension company, which is ranked based on a proprietary evaluation process.
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Comparison of complimentary pension savings with regard to the client's age
KREJČOVÁ, Aneta
The bachelor's thesis deals with the comparison of complimentary pension savings and its advantages compared to 2015, with which the values are compared. The aim of the work is the comparison of the comparison of complimentary pension savings with respect to the age of the client. The theoretical part deals with the pension system, its characteristics, division, and changes. The next part is more focused on III. the pillar of the pension system and its changes after 2013. The practical part discusses the construction of a universal model for the evaluation of financial means of model examples. At the end of the work, these values are compared with each other and with a diploma thesis on a similar topic from 2016, according to which the models and criteria are determined. After comparing the values, a large influence of the high rate of inflation together with the low rate of profitability of individual pension companies was shown, which caused a lower amount of saved amounts and, in some models, even negative values of real interest rates.
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Funds of the supplementary pension savings in the pension system of the Czech Republic
FERJANČIČOVÁ, Aneta
This bachelor's thesis focuses on supplementary pension savings. The aim is to compare supplementary pension savings funds according to selected criteria and to evaluate the impact of the pension reform on the selected market segment. The main purpose is to present specific products of the financial market which are pension companies including their pension funds which operate on the pension market in the Czech Republic. Furthn the work includes the analysis of pension funds according to selected criteria. The funds are evaluated according to the calculation of the real appreciation, standard deviation, cost of the given funds, share of pension companies in the market and according to other criteria. In conclusion, the simple sum of the ranking method is used, which evaluates the best supplementary pension fund.
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Funds of the supplementary pension savings in the pension system of the Czech Republic
MACHOVÁ, Jana
This bachelor thesis deals with problems asociated with pensions scheme in the Czech Republic and judge the effect of the pension reform on this market segment. The theoretical part is focused on the general characteristics of pension systems, history and present development of the pension scheme in the Czech Republic. It also describes transformed and participant funds and explain their origins. The practical part compares the strategy and revenues of pension companies operating in the Czech Republic. Pension companies are evaluated on the basis of the number of participants, including their deposits and the number of funds offered, which are evaluated on the basis of their profitability and risk. At the end of the work, the best pension company is evaluated based on a simple sum order method for real data.
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Porovnanie dôchodkového sporenia na Slovensku s inými druhmi dlhodobého sporenia
Vanko, Juraj
This bachelor thesis studies retirement saving system in Slovakia and options of its realization. The goal of thesis is to review selected types of saving systems, which are second pillar, third pillar, collective investment and investment life in-surance. The theoretical part will be dedicated to principles of operation of each product and Sharpe ratio will be presented in this part. Theoretical knowledge will be used in the practical part for calculations of the Sharpe ratio and following comparison of selected products.
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An analysis of a savings products with state support impact on state budget
Janovská, Jana ; Spiesová, Daniela (advisor) ; Jana, Jana (referee)
This diploma thesis deals saving products with state support and analyses their impact on the state budget. In the theoretical part presents housing policy and social policy of the Czech Republic. Provides saving products with state support. This includes building society account, earlier pension insurance and current complementary pension saving only. These forms of savings are analysed in practical part of this thesis. It introduces the development of the state contribution and introduces the changes, that affect the behaviour of savers. Presents a list of advantages and disadvantages of these products. In closing studies the direct and indirect impact on the state budget.
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Pension reform in the Czech Republic
Vejr, David ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
This bachelor thesis deals with the changes related to the approval of the pension reform. The first part describes the demographic development, reasons for private savings and description of the functioning of pension compared to changes valid from 1st January of 2013, an only one state-supported retirement savings. The second section describes changes on the initial savings and the introduction of new products, disassembling and subsequent evaluation of their advantages and disadvantages. Concluding, the main reasons are evaluated for pension reform and recommendations for citizens of the Czech Republic.
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The pension reform in financial services
ŽÁKOVÁ, Lenka
The subject of the thesis is the analysis of the services that are offered within of the forthcoming pension reform in the Czech Republic, in order to find an optimal variant for the security of the citizens of the Czech Republic in the pensionable age.
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Financial resources to funding retirement age
Zelená, Michaela ; Daňhel, Jaroslav (advisor) ; Tuček, Miroslav (referee)
The target of this graduation thesis is to analyze options you have in order to ensure additional financial resources in retirement age. Public pension system is unsustainable. Pension replacement rates by earnings are unsatisfactory. It is necessary to create a financial reserve individualy. From a financial sphere life insurance and additional pension insurance are offered. It is a state contribution which makes them profitable. Also Life cycle fund is an interesting way especialy in long run. From real investment sphere alocation into real estates or small solar power station with state garanties seem to be very convenient. Investment into descendants are disappreciated nowadays, but it is historical tested way of creation added resources in retirement age.
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