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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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Old-age pension expenditures in the Czech Republic
Kolísková, Lucie ; Urbánek, Václav (advisor) ; Kubík, Rudolf (referee)
This bachelor project deals with the description and analysis of pensions in the Czech Republic, which are the most important item in the volume of expenditures of the central state budget. This expenditure is specific for its dynamic increase and its growing proportion on mandatory expenditures. It represents significant drain in the expenditure side of the central state budget and that is the main reason why the problems of the old-age pension system in the Czech Republic are relevant issue. In the first part of the work public and mandatory expenditures, in which pensions occupy the most significant dimension, are generally specified. In this part of work development of total expenditures, revenues of the central state budget and also dynamics of development of the mandatory expenditures are being analyzed. In the second part of work the czech old-age pension system is characterized. There is also presented the system managing and individual pensions analysis aiming to old-age pensions. Factors which are the source of problems and financial destability are also defined in this part of the work. The last part of the project is concerned with the description and evaluation of possible solutions focused to reform the old-age pension system, which is according to acquired facts in the Czech Republic inevitable.
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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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Swedish pension system - the inspiration for Czech pension reform
Nejedlá, Lucie ; Dočkal, Dalibor (advisor) ; Šmíd, Jan (referee)
Demographic changes in age structure of czech population brings a number of problems relating to the financial sustainability of the pension system. The pension system in the Czech Republic consists of two pillars. The first pillar is mandatory, state-guaranteed and continuously funded. The second pillar (pension additional insurance) is a voluntary. The problems of financial sustainability of pension systems must be solved. Demographic changes are not only in the Czech republic but in almost all developed countries. CR has an opportunity to monitor the actions of other countries and inspired to find a solution. Successful reform has already been in the Sweden.
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Analysis of chosen saving and investment products on the czech financial market from the household´s point of view
Mošovská, Veronika ; Janáček, Kamil (advisor) ; Rybáček, Václav (referee)
The aim of this thesis is to describe particular financial products and compare them from the evaluation point of view. We also will review these products from the perspective of clients who differ in investment and saving attitude. We will focus on czech households and describe their habits in area of financial products and examine their behaviour during a time period in relation to phases of economic cycles and other exogenous variables. We also will describe functioning of financial system and focus on information asymmetry between houselholds and financial institutions. Further we will look at examples of moral hazard done by financial institutions. The conclusion of this thesis provides recommendations of suitable products for each client.
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Analýza změn na pojistném trhu v České republice a Slovenské republice po vstupu do Evropské unie
Řeháčková, Adriana ; Vojík, Vladimír (advisor) ; Křivohlávek, Václav (referee)
Historie světového pojišťovnictví a pojišťovnictví v České a Slovenské republice. Obecná charakteristika pojistného trhu. Pojednání o nejvýznamnějších produktech neživotního a životního pojištění. Analýza vývoje pojistných trhů v České a Slovenské republice v letech 2003 až 2005. Porovnání předepsaného pojistného, nákladů na pojistná plnění a koncentrace pojistných trhů. Uvedení odvětví neživotního a životního pojištění, o které byl na obou pojistných trzích největší zájem. Analýza změn na trhu životního pojištění po zavedení důchodové reformy ve Slovenské republice. Uvedení pojišťoven s největším podílem na celkovém předepsaném pojistném trhu v České a Slovenské republice. Porovnání vybraných nabídek kapitálového životního pojištění z obou pojistných trhů metodou General Electric.
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Analysis of the effects of pension reform in the Czech Republic
Šemberová, Jana ; Czesaný, Slavoj (advisor) ; Ždímal, Martin (referee)
This dissertation studies the impact and consequences of possible retirement plan reforms on subjects in the Czech Republic. The first part focuses on classification of pension systems and fundamentals of the Czech pension system. Second part summarizes major aspects of the retirement plan reform. Changes in the pension system in the process of ageing of the population are highlighted in this section. Following is the fundamental part of the dissertation that will point out possible consequences of the retirement plan reform for the Czech Republic. The conclusion of the dissertation aims to discuss needs of all parties participating on the retirement plan reform and outline an optimal reform plan. This is the conflict point of the interest of the public and those of the government. However, it is a government's responsibily to act on behalf of the citizens and that is the paramount factor of the reform.
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The industrial insurance and its role for solving needs of people in age.
Kleinová, Veronika ; Radová, Jarmila (advisor)
The theme of my bachelor essay is the industrial insurance and its role for solving needs of people in age. My essay is devoted to problems of products that are used in the Czech Republic in context with satisfaction of needs in age. At the beginning of my work I will analyse current situation of the income reform in the Czech Republic and its current problems and deficiencies. In the second part I will analyse all products of the industrial insurance and the pension rider. The analysis of all insured products is devoted to offer of Kooperativa a.s. and ING a.s. I describe the pension rider in the framework of the pension fund of Česká spořitelna and the pension fund of ING. At the close of my work I recommend to clients according to their age and their gains appropriate products for their provision.
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