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The ensuring by means of the pension funds
Kopřivová, Lenka ; Radová, Jarmila (advisor)
I would like to describe the present form of the supplementary insurance in the Czech Republic. At first I have put mind to the characterization of this product. After it I have defined the pension funds and I have recommended the suitable corporation for the potential customers. This year we have listened the discussion about the retirement pension and its efficiency. Therefore I have taken the suggested changes of the retirement system in my writing. At the conclusion I have evaluated the results of the checklists. Due to them I have polled the public opinion about the supplementary insurance. The main object of my work is the describing the structure: PENSION FUND -- SUPPLEMENTARY INSURANCE -- PUBLIC.
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Pension insurance, rate of return and regulation
Hanušová, Barbora ; Radová, Jarmila (advisor)
The bachelor thesis tackles the issue of supplementary pension insurance with government incentives in the Czech Republic, this being the third pillar of the pension system of the Czech Republic. In the first two chapters there are stated the general characteristics of the supplementary pension insurance and pension funds. The following chapter is focused on the control system and regulation of the supplementary pension insurance and also suggests possible ideas for changes that could be implemented into the supplementary pension insurance system as a result of implementation of the second pillar of the pension system of the Czech Republic. The last chapter is an analysis of return on supplementary pension insurance consisting of three parts. First part analyses the incentives provided by government. The second part focuses on the rate of return on the pension funds and the last part provides a detailed analysis of two chosen pension funds.
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Supplementary pension insurance - preferences of policyholders
STRNADOVÁ, Helena
This thesis deals with the supplementary pension insurance. The theoretical part of the work introduces basic principles of supplementary pension insurance such as the significant role in the pension system. The aim of the application part is to present the current state of pension. The largest share of the practical part will be devoted to the analysis of survey conducted by the author of the thesis. The target of questionnaire is to determine the preferences of policyholders and to find connections between different answers. Statistical methods will be used to process data.
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Analysis of provider services offered by the Czech Postal Service
KOVÁŘOVÁ, Kamila
The goal of the Thesis was to analyze the present offer of provider services offered by the Czech Postal Service. After having performed individual analyses, I came to the conclusion that the offer of services is quite wide, although most services still have elements to improve. I would asses the CzechPOINT service as the best. At present when people's time is expensive and the need of official documents grows, the service is correctly focused. The possibility to use only one office to settle a lot of affairs solves long-time problems with crowded offices with endless queues. On the contrary, pension service is, in my opinion, one of the services requiring changes. The direction in which the service is set seems obsolete to me. The basic significance naturally does not change, but people who would appreciate revisions are reaching pension age already. The SIPO service has used inspiration from abroad. It has made use of worldwide experience with ebilling solutions at establishing the eSIPO electronic service. The service offers the customers electronic administration and check of both regular and irregular payments. ČSOB Stability Pension Fund is also one of the services that still have elements to improve. Possible change has been proposed in the synthetic part of this Bachelor Thesis. The change would consists in reduction of costs of next periods. Thanks to reduction of that item, the Stability Pension Fund could get more popularity among customers. Particularly at present, when people do not like running risks with finances, people pass more and more frequently from one pension fund to another, more advantageous. My assertion that people do not like running risks in periods of economic crisis does not apply to betting and lottery activities. As the performed analysis has shown, Sazka a.s., a betting company, has experienced increase of the number of customers at this time.
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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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Strategy of pension in the Czech Republic
Máslová, Monika ; Klazar, Stanislav (advisor) ; Blažek, Petr (referee)
The bachelor thesis deals with present strategy of additional pension insurance in Czech Republic. It describes primary characteristics of additional pension insurance. It discusses tax preferences, offered by the law 586/1992 Sb., about taxation from earning in the area of additional pension insurance with state benefits. The next segment of bachelor thesis represents the development of additional pension insurance in Czech Republic. Last but not least the additional pension insurance is compared with other products.
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State subvention of the additional pension insurance in mandatory expenditures
Dvořák, Martin ; Urbánek, Václav (advisor) ; Kubík, Rudolf (referee)
The bachelor thesis is concerned with additional pension insurance with state contribution. It describes how the superannuation scheme works and how it is restricted by law. The goal of this thesis is to describe the secular trend and current state of the additional pension insurance and assess the appreciation of participants contributions. The thesis includes a brief description of current issues and solution suggestions. In the end there are some changes which are considered as a part of pension reform evetually affecting additional pension insurance mentioned.
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Collective Investment in the Czech Republic Focused on Physical Entities
Paluka, Jiří ; Votava, Libor (advisor) ; Vopátek, Jiří (referee)
The bachelor thesis deals with a set of problems related to decisions about investments in collective investment funds. The thesis is divided into a theoretical part and a practical part. The theoretical part should explain the principles of collective investment in the Czech Republic - legal regulations, principles of investment, types of funds and the composition of their holdings. The last chapter of the theoretical part is devoted to pension funds in the Czech Republic to compare shares funds and pension funds. The practical part is focused on practical utilization of theoretical pieces of knowledge and a comparison of chosen investment companies. The aim is to advise investors how to proceed when deciding about investments in collective investment funds and how they can invest their money in them.
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