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Old-age pension in the Czech Republic - development and causes of changes
Kašparová, Pavlína ; Urbánek, Václav (advisor) ; Kubík, Rudolf (referee)
My bachelor thesis deals with problem of old-age pension. In the first part of the work I deal with description of Czech two - pillar system of pension insurance together with analysis of development old-age pension. I also describe factors affecting pension insurance that cause problems contemporary pensionable system and represent main argument in favour of necessity imposing pensionable reform. In the second part of the work I consequently introduce on - coming changes in the field of pension insurance that will come into effect in 2011 known as "small" pensionable reform. I also analyze impact of parametric changes of basic pension insurance on state budget and personal pension. Lastly I evaluate proposal for "big" pensionable reform that the government intends to implement in 2013. It is based on creation of II. capital pillar pensionable system which was till now missing.
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Financial coverage of the people's needs in old age
Pulkrabová, Markéta ; Radová, Jarmila (advisor)
Thesis deals with two main options, which are in the Czech Republic most commonly used for financial security in old age. First, it is a state old-age pension, which is due to its significance in the Czech pension system in the thesis given the most attention. The other source is additional pension insurance with state contribution, which is most suitable, while a complementary product to the basic retirement pension. This bachelor thesis also briefly shows the major milestones in the development of the pension system up to year 2010 and subsequently also the prepared pension reform. The analytical part of the paper shows the impact of the forthcoming legislative changes to the amount received of old-age pensions, and how to choose on the basis of selected criteria the right pension fund.
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Reform of pension system in the Czech Republic from the perspective of the experience of Visegrad Group
Šubrtová, Tereza ; Dočkal, Dalibor (advisor) ; Štěpánek, Pavel (referee)
Pension reform in the Czech Republic is a frequently discussed topic. Look at the present state of pension system and its development we can supposed that pension reform will be necessary. This work deals pension reform in the Czech Republic compared with countries of Visegrad Group and financial burden analysis of pension systems. Necessity of reform depending up demographic development of society is described in the first part of the work. There are also mention steps leading to the stabilisation of pension system in the Czech Republic. Below is present development of pension system and pension insurance from 90th of 20th century to the present. Next part of the work presents pension systems in others Visegrad countries (Slovakia, Poland and Hungary) and their reforms. The conclusion compares the financial burden of pension systems in each country and its evaluation.
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Perception of upcoming pension reform
Kučera, Ondřej ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
The study aims to comprehensively examine the attitude of the population of Czech republic to planned reform of pension system. Study also examine its knowledge on the existing pension systém, pension reform and on possibilities of investments for their future rents. Those informations were obtained by a method of standardized questionare. The study analyzes those data and identifies possible cause sof measured phenomenona
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Pension reform, as proposed by the present government CR
Straková, Kristýna ; Vybíralová, Ivana (advisor) ; Krebs, Vojtěch (referee)
For many years has been pension reform widely discussed topic by governments of the Czech republic representatives. Its final form has been for many years unclear unclear and approval of individual points faced opposition as each political party had different view. First major change came with decision of Constitutional Court that current pension system proclaimed little merit. Another major change, the implementation of capital pillar, is planned for 2013. Experts agree that no ideal pension system exists. Furthermore, government had to compromise to reach version that can pass. Final version of the pension reform will inevitably lead to increase in budget deficit, by 22 billion in 2020, compared with situation of not reforming the pension system at all.
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The pension reform of the Czech Republic in comparison with the Polish and Slovak experiences
Uhrová, Alena ; Poláková, Olga (advisor) ; Krebs, Vojtěch (referee)
The demografic development in the Czech Republic is mainly characterized by the negative development of the age structure of population, which increases the national expenditures on the pension system. That's why the reform is necessary. The target of this discourse is to make an analysis of the receipts and expenditures structure of the pension systems it the Czech Republic, Slovakia and Poland, and their comparison. There will be characterized the development, the present state of the pension system in the Czech Republic and the proposal for it's reform and also the main causes, techniques, results and relevant differences of the reforms in both others countries, Poland and Slovakia. Then will be make their review. The analysis of the pension systems of this countries will show the real results of the different performed pension reforms and their eventual inspiration for the Czech Republic. In the final part of the discourse will be make the comparison of the financial expenditures of those pension systems.
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Additional pension insurance and its role in creating a financial reserve for retirement
GRÜNNOVÁ, Milena
The diploma work is oriented on the additional pension insurance (superannuation scheme) and on it{\crq}s value as a reserve for the retirement age. In the theoretical part there is described the history of the additional pension insurance, main terms and definition and next there are in detail described the particular pension funds and their rentability. The theoretical part finishes with the integral part of the additional pension insurance, which is the tax prefference. In the introduction of the practical part there I am concerned with the pension reform, because the additional pension insurance is an instrument used for saving for the pension age. The pension reform has three phases. The first phase already has been confirmed by the government and it{\crq}s main consequence are the rules for the retirement. Next two phases are being discussed. No matter how the discussion about the reform ends I consider as reasonable to care of securing myself in the future by using the additional pension insurance. This is demonstrated on four independent examples, where I show that it is advantageous to start saving money by additional pension insurance. In the final phase of the practical part there is the general conclusion of the diploma work and my own opinion about the importance of the additional pension insurance.
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