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Expert System for Saving Product Selection for Clients of OVB Allfinanz, a.s.
Bednářová, Zuzana ; Macháček, Jiří (referee) ; Rejnuš, Oldřich (advisor)
This Master´s thesis deals with the topic of optional saving for retirement. The pension schemes of selected European countries and of the Czech Republic are described. Also the current situation and the problems these schemes are facing are analyzed. The thesis focuses on the forthcoming pension scheme reform in the Czech Republic. Further, the possible ways of the complementary pension scheme pillar financing using saving products are analyzed in detail. The objective of the thesis is to design an expert system for optimal saving product selection according to client´s individual requirements.
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Factors Influencing Poverty Among Seniors
ŠAFRÁNKOVÁ, Petra
Although society as a whole experiences nowadays a period of unprecedented prosperity, social inequalities are seen to be more deep then any time before. This modest work aims to evaluate the quality of life of the seniors in the Czech Republic, as compared to the rest of the population. In the first place, it is necessary to choose effective ways to determine the standard of living and quality of life of the older citizens, then compare gathered data with the appropriately selected reference groups and evaluate the probable causes of the resulting differences in the quality of life and standard of living between the seniors and the rest of the population. Finally, I propose a solution capable of improving the lives of seniors.
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Seniors and leisure
Pošustová, Kateřina ; Ondrušová, Jiřina (advisor) ; Žáčková, Hana (referee)
Summary This diploma thesis focuses on seniors living in the home environment. In this work, I focused on descriptions of the leisure activities that today's seniors devote and I want to address to the problems of the old people they deal every day. I have also described the seniors of risks seniors and the basic terms with which we can meet in the senior's issue. The aim of the work was to find out what activities are seniors doing in their free time and whether their leisure time is sufficiently fulfilled. I also wanted to compare the hobbies of seniors from small and big cities. I learned from my research how todays seniors spend free time and what are the obstacles on spending their free time.
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Pensions insurance, part of the I. pile of the social security system in CZE
POSPÍŠILOVÁ, Nicole
The target of this thesis is to introduce the part of the I. pile (social insurance) of the social security system in Czech Republic pensions insurance. The thesis is conceived as a theoretical one because of the deeper view. In the beginning there is the description of basis of social policy and social security system. The main part of thesis describes historical progress of pensions insurance since 1996 till today. The last chapter is devoted to personal considerations about possible changes in pensions insurance that might happen in the future. The thesis is composed from available expert literature, legislative sources and websites of authorized institutions.
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Expert System for Saving Product Selection for Clients of OVB Allfinanz, a.s.
Bednářová, Zuzana ; Macháček, Jiří (referee) ; Rejnuš, Oldřich (advisor)
This Master´s thesis deals with the topic of optional saving for retirement. The pension schemes of selected European countries and of the Czech Republic are described. Also the current situation and the problems these schemes are facing are analyzed. The thesis focuses on the forthcoming pension scheme reform in the Czech Republic. Further, the possible ways of the complementary pension scheme pillar financing using saving products are analyzed in detail. The objective of the thesis is to design an expert system for optimal saving product selection according to client´s individual requirements.
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Will you qualify for a pension?
Jurajda, Štěpán ; Šatava, Jiří
There is a chance that a part of the Czech population will not meet the basic prerequisite for being granted an old-age pension: 35 years of social security payments. Very likely, many social security payers are not aware of this threat, and have therefore not taken the option to secure their old-age pension through voluntary social security payments, or by extended participation on the labor market. This study tries to draw attention to this issue. Through simplified model simulation, we have shown that the group of people in danger of not receiving pension is non-negligible, and potentially includes tens of thousands of people. However, only a few thousand payers have opted for voluntary social security payments. Based on the data available to them, the Czech Social Security Administration should evaluate the scope of this issue and keep the payers informed, in a timely and regular manner, whether they actually qualify for an old-age pension.
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Options for financial security in one´s old age
Zemanová, Kateřina ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
This diploma thesis inquires into the system of retirement pensions in Czech Republic which is based on two pillars. The first pillar comprises of mandatory elemental pension insurance which provides for over 94 % of incomes of today's retirees. The second pillar mainly comprises of additional voluntary retirement insurance with benefits and some products of life insurance. Considering actual setting of the pensions system based almost solely on pay as you-go funding (PAYG), though substantially demographically reliant, this situation won't be sustainable in the long term. The main goal of the diploma thesis is to find out approximate retirement pension income for different groups based on different amount of wages and connected drop in income especially considering actual changes which are in effect since October 2011. The crucial part of the thesis is subsequently focused on options for private saving through the third complementary pillar with concentration on development of selected indicators in additional retirement insurance with benefits and calculation of the amount of lifelong pension.
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Continuance of pensioners on the labour market
Janoch, Jan ; Szabová, Lucia (advisor) ; Kotýnková, Magdalena (referee)
The aim of this study is to compare factors that affect a decision of retired people in question of continuance on the labour market, because involvement of older persons in employment process is the integral part of pension reform. The first part focuses on current situation in the Czech Republic, namely the legislative innovation and the impact of industry structure, education or economic status on the continuance at work. According to an international comparison of the exit age from the labour market is the Czech Republic under average level of EU. For this reason is the second part focused on legislation not only in the Czech Republic, but also in other European countries. For example a legal retirement age, that is currently in stadium of increasing in the Czech Republic. The comparison shows that each state has a different attitude to this problem -- in the question of accumulation with earnings from work, conditions of early pension or benefits of deferment. It can be concluded that the Czech Republic has done a lot of changes in this, which should move us to the higher level.
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