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Czech citizens and their saving up for retirement - November 2015
Mertl, Jiří
In November public opinion survey CVVM was interested, among other things, in how citizens perceive the Czech pension system, especially its sufficiency with regard to material security in retirement, and whether Czech citizens use the possibility of a commercial insurance. Respondents were asked whether they had been saving up money for retirement on top of the ongoing pension system guaranteed by the state, whether they are worried about insufficiency of financial security guaranteed by the state in retirement, and whether they are generally worried about financial problems during retirement.
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Comparing of investment and saving possibilities for common clients in the Czech Republic.
ŠIMEK, Marek
The aim of this final work is to compare different saving and investment possibilities for common clients in the Czech Republic and also to explain basic terms relating to investments and financial products. This work mostly deals with "magic triangle", where dominant criteria are profit, risk and cash position. Furthermore, methods of different types of variants´ evaluation and setting scale methods, which were applied on three different products for three diverse types of clients, are explained here. Advantges of these methods are that they impeach importance of criteria chosen by a client. Particular offers are rated this way and ordered from the best option to the worst.
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Investment Options Population in the Czech Republic
Houska, Zbyněk ; Bartošová, Jitka (advisor) ; Bína, Vladislav (referee)
The aim of my thesis is to describe the functioning of capital markets in the Czech Republic and investment opportunities these markets offer the people of the Czech Republic . In the individual chapters, I will describe the potential risks that accompany the investment instruments, and recommend what position relative to the detected data on individual investments take. In conclusion, I will acquaint the reader with the attitude of Czech households for investments and debt and recommend what investment portfolio should take in order to ensure smooth functioning.
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Utilization of Mathematical Methods to Evaluate Savings Accounts
JONÁŠOVÁ, Jana
The goal of this dissertation is to show the way how to compare various bank offers by means of variations' multi criterial assessment and to explain the workings of savings accounts. The methods were applied to 10 savings accounts. The advantage of these methods is the fact that they take into consideration the importance of criterions chosen by clients themselves. As a result, the individual savings accounts are listed in order from the best to the worst. Thus the best option determined directly to the client can be recommended to him. There are 5 various methods by which the rankings can be determined. The results are more accurate and the client can get the absolutely right option's recommendation.
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Old Age Financial Securing Possibilities
Hruška, Jan ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
The objective of the thesis is to introduce and compare old age financial securing possibilities. The work is not focused on macroeconomic rating of the pension system in the Czech Republic but on individual coping with fixed conditions and finding an optimal way to old age securing with the help of private saving. The thesis has been divided into two parts. In the first one the current pension system has been partially presented and particular saving possibilities have been introduced. The second part has been devoted to a calculation of particular saving forms advantageousness and it has been finished with a recommended saving plan.
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Energy balance of household
BROM, Jiří
The name of my thesis shows it is focus on thoroughly evaluation of energy balance of households to analyse their consumption and on this basis to propose saving measures. Secondly there is explanation of concept of energy,its generation and transmission. Finaly the most important and challenging part is analysis of individual consumptions, sorting and processing the results. To obtain an overall picture there are tables with all the details.
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Analysis of methods for old age security
Kesely, Ladislav ; Gruber, Petr (advisor) ; Radová, Jarmila (referee)
The bachelor's thesis focuses on the czech pension system, its problems and its future progress. It analyzes various products of the pension system, as well as all other products, that can be used to secure one's income in the old age, focusing mainly on the yield, risk and liquidity of the investment and all of various aspects affecting it - mainly the legal framework of the products and the conditions, under which it is possible to obtain these products in the czech financial institutions. The conclusion of the thesis contains a simple recommandation, which products are suited for various investors under certain circumstances and it can be used for making decisions, how to financially prepare yourself for the old age.
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Analysis of savings accounts for individuals in the CR
Hynek, Jan ; Zetek, Pavel (advisor) ; Matejašák, Milan (referee)
The thesis is focused on the analysis of the assessment options of available funds using more conservative instruments of the financial sector. They are mainly the savings accounts and the term deposits. In the first part, the status and the role of the banks and credit unions in the financial sector will be determined, including offered products and services. The following part then analyzes various products in terms of real return, the fees, other costs and additional services in detail. In the end, it was found that under current conditions it is possible for an increased acceptance of the risk to get the highest evaluation with Metropolitan credit union's savings account.
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Complex doing of family financial plan
Černochová, Martina ; Smrčka, Luboš (advisor) ; Slezáková, Dita (referee)
Personal and family finances are important part of our life. People deal with the issues of money, its earning, spending and evaluating every day. Despite this fact, there is a huge financial illiteracy in the Czech Republic, which causes an inefficient management of our personal finances and also wrong decisions related to choices of financial products. The goal of this thesis is to describe products on Czech financial market in clear and comprehensible way, as well as principles of their functioning and rules for their usage. It tries to give simple manual how to proceed in decisions about own finances. In the first part of this thesis, there is a theoretical basis of this issue and a summary of the products. In the practical part, there are three concrete financial plans for three concrete families. Finally, there is a generalization of the suggested procedure.
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Family finance planning
Ledinská, Leona ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
The main aim of this thesis is to describe family finance planning problems. This thesis includes list of financial products, which could be including in family portfolio. Advantages and disadvantages of theses products are describe at different periods of family life, recommendations are given. In the end of this work case study of real family finance plan is processed.
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