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The Evaluation of Pension Funds with the Usage of Fuzzy Logic
Jesenská, Alžbeta ; Krištof, Marek (referee) ; Dostál, Petr (advisor)
Cielom diplomovej prace je vytvorenie expertného systému založeného na modeloch fuzzy logiky v programoch Excel a MATLAB, pomocou ktorého je možné ohodnotiť rôzne dôchodkové fondy a ďalšie finančné produkty. Vzhľadom na prehlbujúcu sa demografickú krízu, práca ponúka návrhy optimálneho investičného mixu pre tri modelové situácie s cieľom dodatočného finančného zabezpečenia počas dôchodkového veku. Práca je spracovaná pre podmienky Slovenskej republiky, podľa súčasnej situácie a platnej legislatívy.
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Expert System for Saving Product Selection for Clients of OVB Allfinanz, a.s.
Bednářová, Zuzana ; Macháček, Jiří (referee) ; Rejnuš, Oldřich (advisor)
This Master´s thesis deals with the topic of optional saving for retirement. The pension schemes of selected European countries and of the Czech Republic are described. Also the current situation and the problems these schemes are facing are analyzed. The thesis focuses on the forthcoming pension scheme reform in the Czech Republic. Further, the possible ways of the complementary pension scheme pillar financing using saving products are analyzed in detail. The objective of the thesis is to design an expert system for optimal saving product selection according to client´s individual requirements.
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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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Chinese pension schemes: reforms and challenges
Dudová, Zdena ; Stuchlíková, Zuzana (advisor) ; Neumann, Pavel (referee)
This thesis covers the development of pension schemes in the People's Republic of China from 1949 until now. The goal is to explain what is the structure of chinese pension schemes, why are the pension schemes divided between rural and urban areas and how are the migrant workers' pension schemes incorporated into the social security system. Furthermore the reforms and challenges of the current pension system are analysed as well as the linkage to the hukou reform and family planning reform.
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A comparison of the Czech Republic and Switzerland pension schemes
KREJČOVÁ, Martina
The aim of this work is an analysis adjustment of the pension scheme of the Czech Republic and of the way how it is financing in comparison with the pension scheme of the chosen state Switzerland. This country has been chosen intentionally as it has, just as the Czech Republic, three-pillared pension scheme. The result of the comparison is probably the biggest difference between Czech and Swiss pension system is stored in the share of private assets. At the end of this work there are analyzed the potential risks setting pension systems and proposed recommendations.
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Analysis of the pension systems of selected countries
Málek, Jakub ; Jílek, Josef (advisor) ; Šarapatka, Michal (referee)
The topic of this thesis is the issue of pension systems, which are an integral part of every advanced society. The aim of this thesis is to provide an insight into the basics of the issue, analyze selected pension systems and to assess the possibility of introduction similar pension systems in other countries. In the theoretical part of the thesis first presents basic aspects of the development of approach to finance consumption in old age, possible forms of pension systems, the risks that are associated with them, as well as several models of pension system that are currently enforced. In the analytical part pension systems of Australia, Denmark, Canada, Netherlands, Sweden and Switzerland are first specified separately and subsequently, on the basis of criteria coverage rate, financial sustainability and adequacy of pensions, subjected to comparative analysis. The result of the analysis is the determination of the Dutch pension system as a system that has, although not in all analyzed areas, the relatively best results of functioning. However, the widespread introduction of this system definitely not recommended, due to given economic differences in various countries, which are described in the conclusion of this thesis. Nevertheless of each pension system we can choose a positive approaches to solving problems on which we can build in the future.
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Non-contributory periods in the Czech pension system - a neglected element in the pension reform
Holub, Martin ; Krebs, Vojtěch (advisor) ; Langhamrová, Jitka (referee) ; Kahoun, Vilém (referee) ; Biskup, Jiří (referee)
Non contributory periods is one of the key issues in the public discussion on the planned reform of the pension system in the Czech Republic and is being widely discussed by economists, social scientists and political representatives. The PhD thesis focuses on a detailed analysis of non-contributory periods in the Czech pension system and their impact on pension system balance and micro and macro economic connections. It includes an international comparison of non contributory periods and a minute description of one selected non contributory period -- child care in selected European countries. The extent of non contributory periods considered in the pension system represents one of the theoretical possibilities of parametric changes to the pension insurance system. Non contributory periods are taken into account in pension schemes either because the individual is carrying out a non-wage-earning activity beneficial to society or because the individual through no fault of their own finds themselves in an (adverse) social situation which from a humanitarian perspective justifies their participation in pension insurance without making insurance payments. The institution of non contributory periods helps to secure the universality of the pension system, which enables the participation of economically inactive persons in the pension insurance system. The amount of non contributory periods or the proportion between non contributory periods and years worked, or the proportion between paid insurance and non contributory periods (potential loss of insurance contributions) has, to date, merely been estimated in the Czech Republic. This PhD thesis presents the first accurate figures, based on unique individual data on insured persons; methods of analysis, synthesis, comparison, simulations were used and statistical methods were applied. The analysis reveals that non contributory periods are a significant element of the Czech pension system amounting to 22.4% of the total insurance period which is unacceptable especially as regards the principle of equivalence. The average duration of non-contributory periods for current pensioners is 8.7 years. The proportion of hypothetical insurance calculated from the average wage at potential total income from insurance was in the observed year 30% or 13% (calculation based on the minimum wage). Non contributory periods in the Czech pension system have a significant impact on its balance. Paying premiums for non contributory periods (included in pension law) would cause a decrease in the contribution rate to 18% (calculation based on the average wage). If non contributory periods were not considered, the potential savings on pensions paid out would be almost CZK 35 billion in the observed year. That represents 16.5% of expenditure on pension payments and more than twice the deficit of the pension insurance account for the observed year. Therefore the author recommends in the thesis the restriction of non contributory periods and the introduction of payments for such non-contributory periods from those people who will be entitled to a pension from such non contributory periods in the future.
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The Comparison of Approaches to the Additional Pension Insurance in the Czech Republic and Chosen Country
Končický, Pavel ; Radová, Jarmila (advisor)
My bachelor thesis "The Comparison of Approaches to the Additional Pension Insurance in the Czech Republic and Chosen Country" is primarily a description of the pension scheme as a whole. I focus on the pension scheme in the Czech Republic, especially on the additional pension insurance, its structure, advantages and disadvantages, proposed changes related to the pension reform and potential benefits linked to these changes. I deal with the comparison of different pension schemes, especially with the focus on the pension scheme and additional pension insurance in the Netherlands. At the conclusion of my work I compare the pension schemes and additional pension insurance in the Czech Republic and the Netherlands.
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Is the existence of a single European pension system feasible?
Korčáková, Barbora ; Dočkal, Dalibor (advisor) ; Krebs, Vojtěch (referee)
European integration is a complex and long-lasting process, which gradually affects all areas of national policy. A very up-to-date problem is also an unsustainable pension scheme facing many member states and which is the reason why European Union starts to deal with it more and more. The aim of this bachelor thesis is to characterize the pension schemes in selected member countries (Sweden, Germany, United Kingdom) and then find the differences and similarities between them. Furthermore, the thesis analyzes the current state of coordination of national pension systems within the European Union and other possible development in this area. In the model, which assumes a single European pension system, the advantages and disadvantages of its implementation are pointed out through a SWOT analysis on the example of the Czech republic. The conclusion of the thesis collects information and responds to the question whether the existence of a single European pension system is feasible.
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