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Reforms of pension systems in Central Europe
Kubišta, Zdeněk ; Smrčka, Luboš (advisor) ; Schönfeld, Jaroslav (referee)
Main goal of the Master thesis is comparsion of present pension systems in Germany, Austria, Poland, Hungary, Czech Republic and Slovakia. It compares not only compulsory pay as you go pillars but even structural reforms of past twenty years, implementation of the 2nd funded pillar in post-communist countries and motivational schemes of the 3rd pillar. The Master thesis briefly touches history and development of pension systems in the region of Central Europe. Using the metod of on-line survey it discovers base kowledge bound with pensions, demographical issues and future problems of the system. Analyse of the written and on-line sources and results of the survey followed by synthese closes the Thesis with set of recommendations how to upgrade all three pillars of conterporary pension system in Czech Republic.
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Pension reform in the Czech Republic
KLOUDOVÁ, Dana
The name of this bachelor´s thesis is Pension reform in the Czech Republic. This bachelor´s thesis is divided into two parts. The first part is concentrated on the basic information about Czech pension system, which currently consists of three pillars. The first pillar is represented by the mandatory basic pension insurance and it is based on PAYG system. Pensions, which get participants in this pillar, are guaranteed by state. The second pillar is voluntary and it is managed by pension funds. Each person before reaching the age of 35 has a choice if he entries into the second pillar or not. The third pillar is characterized as a voluntary complementary pension insurance with state contribution. Participants have a possibility to receive state contributions only if they save at least 300 Czech crowns and more monthly. The second part is focused on the survey conducted by questionnaire, which 160 respondents participated. The questionnaire was aimed to find knowledge of respondents about Czech pension system and reform, which came into force last year.
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Automatic data update of financial products
BÁRTA, Jakub
Tato bakalářská práce se zabývá vývojem aplikace s automaticky aktualizovanou databází v programovacím jazyku Java. Jsou zde popsány ekonomické oblasti sou-visející s danou aplikací a vysvětleny nejdůležitější rysy objektově orientovaného programování, Javy a vývojového prostředí Netbeans. Následuje popis vývoje aplikace, který demonstruje možnosti práce se zmíněným programovacím jazykem. Popis ekonomických oblastí se týká především investování, spoření a vybrané finanční společnosti. Aplikace by tedy měla sloužit jako pomůcka pro práci s těmito pojmy, informování se o finančních produktech a složité kalkulování. Jako testovací subjekt byl zvolen pojišťovací koncern Allianz. Jednotlivé ukázky vývoje programu jsou zvoleny tak, aby čtenář získal dostatek informací o tom, jak funguje a jak se při jeho tvorbě postupovalo.
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About the Pension Reform in Czech Republic
Bláha, Jan ; Ježek, Tomáš (advisor) ; Šarapatka, Michal (referee)
The diploma thesis in the first part deals with an overview of basic pension schemes, their typology and distribution. Further, this section deals with the reasons for the reform of the pension system and demographic developments and general trends in pension protection system. The second part deals with analyse the so-called "small" and "large" pension reform, then analysis of the current pension system in Czech Republic for each column of the pension system in particular. At the end thesis represents a model calculation of the expected cash income at retirement age from three columns of the pension system based on specified parameters adaptable to a wide range of subjects which can be calculated for each pillar in particular. Thesis concludes that participation in second column of pension system is advantageous for those, who have salary above average or for people, who have restricted access to save on retirement.
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The applicability of the Chilean pension system in the Czech Republic
Brabec, Petr ; Krebs, Vojtěch (advisor) ; Kubelková, Karina (referee)
The Chilean pension reform has been an experiment of great success. Futhermore, thanks to it the current pensions are much higher than they would have been under the old Pay-As-You-Go system. Considering this, I decided to analyze the possible applicability of the Chilean pension system in the Czech environment. In the present diploma thesis I do analyze the potential results (replacement ratio) of the introduction of a fully funded system in the Czech Republic, in comperison with the replacement ratio of the current Czech PAYG system and the modificated Czech PAYG system that would not genarate deficits (through the reduction of pensions) and keep the retirement age same for all variants for the reason of objective comparison. Later, I do analyze the impact to the state budget of the transition to a fully funded system and discuss the advantages of a such transition. The main conclusion of this diploma thesis justifies that the transition to a fully funded system in the Czech Republic is not recommendatory, due to the fact that it requires high state budget funding and there is a great unlikelihood of benefits for all income groups in general.
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Pension reforms and their impact on family budget
Lohonka, Petr ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
This thesis focuses on the possible options for pension reform in the Czech Republic and their impact on family budgets, both in terms of payments in the economically active age, and then from the amount of pension at retirement age. In the theoretical (methodological) part are several possible scenarios of pension reform chosen from proposals to the Czech Republic and from the pension systems applied abroad too. There are described the main pillars and main differences between them and of course the difference from the current state of pension system in the Czech Republic. The entire chapter is devoted to the current state of pension system, because it is the starting point for each of the reforms. After describing all options of pension reforms in the theoretical (methodological) part, we focus on the practical part. There are described several model participants and for each participant are calculated present payments and future revenues, which depends on the variant of the reform. According to this testing we search for such a pension reform, that would be the best across social and income groups. At the end is this testing evaluated and the results of the entire work interpreted.
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An analysis of security in old age
Karásek, Martin ; Radová, Jarmila (advisor)
This bachelor thesis deals with the ways of security in old age. It describes demographic developments in the Czech Republic and the resulting consequences. It also deals with historical developments and possible future evolution of approaches to security in old age. Another part of this thesis is mapping, description and evaluation, and comparison of different products suitable for security in old age. In the end, the paper deals more general reflection on the possibilities of pension security of individuals in the Czech Republic.
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Market trends of the retirement income insurance
Rapantová, Nela ; Radová, Jarmila (advisor)
The main aim of my thesis is comparison of all the pension funds in the Czech market with each other and with trends in the market and macroeconomic values too. In the first part I will focus on every single pension fund and its characteristic data, history and mainly on the economy of funds, the number of clients in every year and its portfolio analysis. In the second part I will shortly recapitulate the first part, I will work out the market share of the funds and I will compare the funds with progression of macroeconomic values. In the third part I will specialize in two chosen pension funds and I will compare them in different points of view. In the last, the fourth, part I will analyze in which pension fund the client could save money to save up the most, I mean if he save money from 1995 to 2007.
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Efektivní zhodnocení finančních prostředků
Kellner, Petr ; Kovář, František (advisor)
Tato práce si klade za cíl poskutnout návod, jakým způsobem volit a realizovat investiční strategii, a to formou stravitelnou pro laickou veřejnost. Budeme se zabývat zejména problémem volby správných produktů a programů v oblasti přípravy peněz na stáří, a to hlavně v závilstoti na věku.
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