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Marketing Research of Customer Satisfaction of the Third Pension Pillar
Filkuka, Martin ; Hedija, David (referee) ; Šimberová, Iveta (advisor)
This thesis aims at using marketing research to determine customer satisfaction of university students with the third pillar of the pension system. The first section describes the objectives of the work, including the necessary methods. The following theoretical part deals with basic concepts of marketing, marketing research, as well as defining the customer and his satisfaction, including methods by which satisfaction is measured. In addition, there is a description of the general operation of pension systems and individual pillars. The practical part includes marketing research, evaluation of the collected data and own suggestions for improving this product.
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Investiční životní pojištění a doplňkové penzijní spoření
Fučíková, Miroslava
The bachelor's thesis focuses on the comparison of life investment insurance and complementary pension savings as part of the evaluation of the invested funds by the client, with a focus on contributions from the state and tax relief. The practical part is devoted to the comparison of selected products from the largest insurance companies on the Czech insurance market. The age of the client at the time of concluding the insurance contract or early termination of the insur-ance contract can significantly affect the returns from invested funds, which is why the bachelor's thesis is also focused on this issue.
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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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Zaměstnanecké benefity v oblasti pojišťovnictví
Moravec, Jakub
This bachelor's thesis deals with the issue of employee benefits in an un-named company. The objective was to compare whether the employer's contribu-tion to private life insurance or supplementary pension savings is preferable to an increase in the employee's gross wage. The evaluation was carried out on the ba-sis of a questionnaire survey and model calculations. The calculations showed that it is more advantageous for employers to introduce a contribution to one of the financial products. An optimal solution and recommendation for the company are presented in the conclusion.
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Collection of exercises from financial mathematics for secondary schools of economics
STEHLÍKOVÁ, Andrea
The aim of this bachelor's thesis was to compile a collection of solved examples from financial mathematics for high schools with economic specialization. The solved examples are focused on wages, financial household management and investment products (specifically on savings accounts, time deposits, a construction loan and supplementary pension savings). The starting point for the formation of tasks were Curriculum frameworks for business schools. In the process of creating exercises, emphasis was put on the development of crucial competencies with the Curriculum frameworks for business schools in the process of tasks.
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Funds of the supplementary pension savings in the pension system of the Czech Republic
DAŇKOVÁ, Lucie
This bachelor thesis focuses on the comparison of supplementary pension savings funds according to selected criteria. There are eight pension companies operating on the Czech market offering supplementary pension savings funds. The thesis is devoted to the description of the history and the current state of the pension system in the Czech Republic, the definition of terms related to supplementary pension. The transformed and participating funds and their representation in the market in the Czech Republic are also described. The bachelor thesis deals with the analysis of funds according to selected criteria such as profitability, risk, fund equity and other indicators. At the end of the thesis is a written evaluation of individual funds and recommendations. The result of this work is to evaluate the impact of pension reform on this market segment. Within the chosen criterion, a simple order method is used, according to which the criteria are allocated according to the preferred way of the participant.
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Supplementary pension savings in Czech Republic
KOMÁRKOVÁ, Šárka
The bachelor thesis "Supplementary Pension Savings in the Czech Republic" deals with the additional pension savings and the pension system in the context of its reform. It consists of the characterization of the pension system history, the illustration of the pension reform as well as the individual pillars of the pension system. The thesis further analyses the influence of the demographic development on the pension system and comments on the financial system of the pension scheme (both funded and continuous). On the top of that, the thesis provides a thorough characteristic of the additional pension savings (the participant, the establishment and the termination of an additional pension savings, a pension company, the communication with a customer, the pension recommendation, etc.). Hence, the questionnaire was created. It is represented by 11 closed questions aimed to the pension scheme for the retirement period as well as to the various options for pension savings. Tanks to the questionnaire it was possible to establish the hypotheses and the model example. The latter compares the additional pension savings system with other products (namely the savings account and the term deposits) and also it addresses the comparison of the preestablished additional pensionsavings funds. Subsequently, the results of the individual-products and hypotheses comparison were gathered and were elaborated on at the very end of the thesis.
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Comparison of investments for retirement
SUCHÁŇOVÁ, Markéta
The aim of this thesis was to choose some types of investments and set the expected return using time series; furthermore to compare these possibilities using multi-dimensional assessment. I chose four types of investments, namely: mutual funds, life insurance, additional pension savings and building savings. I expected a monthly deposit of 1000 CZK for a period of 20 years in my thesis. In case the investor would keep this money cash or on a bank account, where he would not have to pay account fees and have a zero interest rate, he would save 240 000 CZK during this period. Based on published historical returns I modeled the expected return of the investment by means of methods of time series. For modeling the return I used the model of linear trend. The highest revaluation is expected with the additional pension savings, where the dynamic strategy brings the overall return of 414 214 CZK, the balanced strategy 379 874 CZK and the conservative strategy 333 209 CZK. The investment into mutual funds using conservative strategy brings 317 894 CZK, using balanced strategy brings the return of 314 986 CZK. When choosing the conservative strategy of life insurance the overall return is 296 071 CZK and when choosing the balanced strategy it is 292 614 CZK. The expected return of the building saving is 286 139 CZK. However, it is not recommended to opt for an investment only based on the expected return. We have to take into consideration as well the risk of the investment, input one-time fee and the overall fee (monthly or annual fees). For this reason I determined the category of the above mentioned criteria, which I set using scoring method. For the determination of the order I chose the TOPSIS method and the scoring method. Based on the carried out above methods it is certain that the best investment is investing in additional pension savings.
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Financial and legal regulation of pension companies and pension funds
Jahodová, Iva ; Kohajda, Michael (advisor) ; Kotáb, Petr (referee)
Legal regulation of pension companies and pension funds The Master's thesis concentrates on the main issues of the legal regulation of pension companies, the designated providers of pension savings and supplementary pension savings in the Czech Republic. The thesis evaluates the reform of the pension schemes constituted by Act No. 426/2011 Coll., on Pension Savings, Act No. 427/2011 Coll., on Supplementary Pension Savings, and Act No. 428/2011 Coll., amending Certain Acts in Connection with the Adoption of the Act on Pension Savings and the Act on Supplementary Pension Savings. The thesis is divided into nine chapters. Chapter 1 is an introductory part defining the purpose of the thesis. Chapter 2 describes the pension savings regulation in the Czech Republic prior to the reform's effective date (i.e., 1 January 2013). Chapter 3 describes the pension reform and its justification. Chapter 4 concentrates on the pension companies as the managers of pension funds and supplementary pension funds. The regulation of pension funds is described in Chapter 5 while the regulation of supplementary pension funds is described in Chapter 6. Chapter 7 deals with the regulation of the (supplementary) pension funds' distribution. Chapter 8 suggests certain modifications of the reform package and discusses possible...
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