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Comparison of complimentary pension savings with regard to the client's age
KREJČOVÁ, Aneta
The bachelor's thesis deals with the comparison of complimentary pension savings and its advantages compared to 2015, with which the values are compared. The aim of the work is the comparison of the comparison of complimentary pension savings with respect to the age of the client. The theoretical part deals with the pension system, its characteristics, division, and changes. The next part is more focused on III. the pillar of the pension system and its changes after 2013. The practical part discusses the construction of a universal model for the evaluation of financial means of model examples. At the end of the work, these values are compared with each other and with a diploma thesis on a similar topic from 2016, according to which the models and criteria are determined. After comparing the values, a large influence of the high rate of inflation together with the low rate of profitability of individual pension companies was shown, which caused a lower amount of saved amounts and, in some models, even negative values of real interest rates.
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Funds of the supplementary pension savings in the pension system of the Czech Republic
FERJANČIČOVÁ, Aneta
This bachelor's thesis focuses on supplementary pension savings. The aim is to compare supplementary pension savings funds according to selected criteria and to evaluate the impact of the pension reform on the selected market segment. The main purpose is to present specific products of the financial market which are pension companies including their pension funds which operate on the pension market in the Czech Republic. Furthn the work includes the analysis of pension funds according to selected criteria. The funds are evaluated according to the calculation of the real appreciation, standard deviation, cost of the given funds, share of pension companies in the market and according to other criteria. In conclusion, the simple sum of the ranking method is used, which evaluates the best supplementary pension fund.
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Comparison of the pension system of the Czech Republic and the Slovak Republic
ENDLICHEROVÁ, Klára
The bachelor thesis focuses on the comparison of the pension system of the Czech Republic and the Slovak Republic. The first part of the thesis summarizes the basic theoretical knowledge in the field of social security and pension system. This is followed by a description of the pension systems of both countries. The second part deals with the comparison of pension systems, which is carried out mainly based on demographic and economic indicators. The results of the comparison point to a possible risk in the Czech Republic's pension system. The thesis concludes with an evaluation of these results in the form of a proposal of possible recommendations for improving the functioning of the pension system of the Czech Republic.
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Rozdíly ve výši příjmů a starobních důchodů u mužů a žen v ČR
Slanařová, Barbora
This diploma thesis deals with differences in income and pension between men and women in the Czech Republic. The target was to evaluate time series and panel data of income and pension of both sexes and to evaluate the existence of differences by using econometrics methods. From the performed analysis was forecast the future development for next three years and then was created the marketing recommendation for retail store regarding the focus on consumers in the pension in the end.
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Fondové pilíře důchodových systémů zemí V4 a jejich produkty
Šteffková, Klára
The thesis is focused on the functioning of pension systems in Visegrad countries, especially on the importance of the particular funded pillars within these systems. The whole pension system is analysed for each country, including the general comparison with focusing on the funded pillars and their products. The comparison is based on selected criteria. This thorough comparison then helps to form the suggestions for funded pillars in Czech Republic, which could lead up to improvement of the current situation regarding the social security in our country.
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Econometric analysis of demographic aspects of economic development
LE, Václav Quang
The thesis focuses on econometric analysis of demographic aspects of economic development. The subject of the analysis is the sustainability of the pension system of the Czech Republic, which is examined from two perspectives, from the point of view of pension revenues and expenditures on pension benefits. The analysis is carried out using the multiple linear regression technique. Three models are presented for each of the variables examined. The dataset is time series in nature, has quarterly seasonality and the period under study is the time interval 2000-2022 Q1. According to the revenue models, revenue is positively correlated with GDP, wages and salaries, employers' social contributions, consumer price index (CPI) and negatively correlated with the number of employed and unemployed. Expenditures, on the other hand, are positively correlated with the number of pensions, CPI, average wages and past expenditures. The models presented were also evaluated for their forecast accuracy for 2018-2019 when there was no crisis and for 2020-2022 Q1 when there was a crisis. The models were able to capture the dynamics of the variables in the non-crisis period, but were not as accurate in the crisis period, with the expenditure models performing better in comparison. Based on cross-validation, the corrected Akaike information criterion and the Schwarz Bayesian information criterion, model 2 was selected for each variable to predict for Q2-Q4 2022. According to the revenue model, revenue should trend sideways/stagnate, while according to the expenditure model, expenditure should grow. Also, predicted expenditures are exceeding predicted revenues.
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Investing in precious metals as a tool of financial security for retirement
REMIÁŠ, Ondřej
The thesis deals with possibility of investing in precious metals (with a great focus on gold) as a way to have financial savings for retirement and comparing it with more widely used saving tools in the Czech Republic that are used for such purposes - sup-plementary pension insurance, life savings and more. The first part of this work looks at Czech pension system before and after its reforms and pointing out its unsustainability for the future. It then proceeds to look in history of investing in gold and analyze in great depth its benefits and disadvantages. The practical part was divided into financial analysis based on the example of the statistically average Czech citizen and a question-naire, which was attended by 288 respondents, mainly students or university graduates. Although the results of the work showed the suitability of gold and other precious met-als in the issue of financial security for retirement, we shouldn't also forger their disad-vantages when choosing them for this purpose. When creating a financial portfolio, one should think about involving a whole range of financial products - whether stock, bonds or its supplementation in the form of advantageous supplementary pension savings. Pre-cious metals undoubtedly have a place there, but they should be used primarily for their specific investment characteristics and advantages: as a hedge against inflation and mar-ket fluctuations of non-correlated financial instruments.
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Funds of the supplementary pension savings in the pension system of the Czech Republic
MACHOVÁ, Jana
This bachelor thesis deals with problems asociated with pensions scheme in the Czech Republic and judge the effect of the pension reform on this market segment. The theoretical part is focused on the general characteristics of pension systems, history and present development of the pension scheme in the Czech Republic. It also describes transformed and participant funds and explain their origins. The practical part compares the strategy and revenues of pension companies operating in the Czech Republic. Pension companies are evaluated on the basis of the number of participants, including their deposits and the number of funds offered, which are evaluated on the basis of their profitability and risk. At the end of the work, the best pension company is evaluated based on a simple sum order method for real data.
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