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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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Pension Additional Insurance in the Czech Republic and in France
KADLECOVÁ, Ria
This thesis focuses on the pension funds in the Czech Republic and in France. The main goal is to analyze and compare the differences on these two financial markets. The first theoretical part focuses on the pension additional insurance in the Czech Republic and in France, the system of the pension funds in both countries and the view of the pension funds in the Czech Republic. The second part analyses the pension funds in the Czech Republic and in France. These pension funds are evaluated on the basis of economic criteria including their investments, their net profit and rate of profit. The pension funds in the Czech Republic are analysed by the using of calculations such as the return on average assets and return on average equity. At the end of this thesis the comparison of the pension funds in the Czech Republic and in France is placed. This chapter consists of the reform of the pension system in the Czech Republic as well as the evaluation of the pension systems in the Czech Republic and in France.
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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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Czech Pension Funds´ Performance Analysis
Menčík, Tomáš ; Musílek, Petr (advisor) ; Paholok, Igor (referee)
This thesis aims to investigate pension funds'investment behavior in times of a capital markets crisis; to discuss actions taken and changes of an investment policy; and to point out legislative issues. Another topic is a discussion over the contribution of each investment tool to the portfolio performance, and a prediction of the investment policy of pension funds. An important part of this thesis is the analysis of the detailed portfolio of PF Stabilita. The outcome of this paper is not to predict a future developement of capital markets, although a broad prediction for each investment tool is made, but to investigate a reaction of pension funds to the 2008 capital markets turmoils.
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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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Possibility integrating young people with pension system
Konůpková, Lenka ; Kapinusová, Jana (advisor) ; Krebs, Vojtěch (referee)
Ačkoliv média často mluví o potřebě změny současného penzijního systému, mladé lidi to příliš nezajímá. Tato práce na tyto problémy upozorňuje a nabízí možnost, jak problematiku řešit již dnes, ve formě penzijního připojištění. Představuje produkty a poskytovatele, kteří v této oblasti jsou na trhu k dispozici. Uvedena jsou hlavní kritéria, důležitá při výběru fondu. Na závěr hodnotí současnou situaci v České republice, která není optimální a navrhuje možná zlepšení.
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Analýza možných problémů plánované důchodové reformy a penzijního připojištění
Pačesová, Petra ; Ježek, Tomáš (advisor) ; Říhová, Petra (referee)
Cílem práce je poukázat na problémy spojené s plánovanou penzijní reformou, které nejsou nikde řešeny. Práce obsahuje různé návrhy nového penzijního systému. Žádný z těchto návrhů však není dokonalý. Otázkou také je, co je lepší, zda parametrické nebo systémové změny. S penzijní reformou souvisí i penzijní připojištění spravované penzijními fondy. I v penzijním či zaměstnaneckém připojištění můžeme najít jisté nedostatky, které se mohou projevit ve výši vyplácených dávek až za několik let, nebo nevýhody související s omezenými investičními možnostmi penzijních fondů.
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