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Open muttual funds versus investment life insurance
NESVAČILOVÁ, Lenka
In last decade passed investment in the Czech republic discontinuous innovation. The expanse of investors fund is adherent to voucher privatization, which they realized in 1992 {--} 1994. At the beginnig of new millenium in the Czech republic begin penetrated foreign investments company. The faulted year for collective investing was in 2004, when Czech republic enter in Europion Union. The market of life insurance in last years noted big boom. Since 1996 the market of life insurance trebled. In my graduation theses I compare two products {--} investment life insurance and open muttual funds. The investment life insurance is Flexi 2009 from Pojišťovna České spořitelny, a.s. and open muttual funds is Evropslá penze Plus/Baby from Conseq Management Investment, a.s. The similar products are in the czech market many, but is not possible to characterise and compare all. Investment life instance is more difficult product than open muttual funds. Especially is adress those, who has commitment to third persons, for example familly or long loan. Open muttual funds is a form of savings, which offer interesting assesment investment instruments. I can´t say, that one product is better than second. For me both muttualy added. From existencial reasons is more necessary life insurance in result cover human risks of clients and their familly. I would recommend clients, who want conclude investment life insurance or enter in world of investing in the form of open muttual funds to not restrict to selection only one insurance or investment company. In time of charge wars are prices very different in almost the same products. Client should have a comparison ond offers selected products from more financial institucions or financial advisors, who have almost all company under {\clqq}one roof`` and they can select. They should know, what is for their clients important, what not and mainly why.
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