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Analysis of Old-ahe pension schemes
Veverková, Jana ; Mlčoch, Lubomír (advisor) ; Schneider, Ondřej (referee)
Master Thesis Analysis of Old-age Pension Schemes provides comparison of pay-as-you-go system and funding pensions from the theoretical point of view. Comparison is made assuming constant population and population under demographic crisis as well. Next issue is a demographic development of the Czech republic. The thesis answers the question whether demographic crisis in the Czech republic occurs. The last part of the thesis analyses the current pension system of the Czech republic assuming analysed development of population growth.
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Benefit analysis of fully-founded pillar of pension system in Slovakia for selected population groups (2005-2014)
Pantoflíček, Ondřej ; Brabec, Petr (advisor) ; Zeman, Martin (referee)
Pension system of the Slovak republic received positive evaluation and admiration from many European and world institutions after its reform in 2005. Since then the system went through significant legislative changes that affect its appearance and functioning. In the bachelor thesis I do analyse the profitability of entry to the fully-funded pillar of pension's system and compare the replacement rate of pensions from the PAYG system. Furthermore, I discuss these calculations and suggest possible steps to improve setting of the system. The work suggests that entry into a fully-funded system is not profitable for residents of the Slovak republic because of setting up the principle of merit in the state pillar and the pension system should undergo further parametric adjustments.
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Důchodové systémy v zemích Visegrádské čtyřky
Vítková, Petra
Pension systems and their financial sustainability in the last few decades are frequently discussed topic. Many evaluate existing PAYG systems as financially unsustainable. They come up with pension reforms solutions like introduction of a three-pillar system. This thesis deals with the analysis of pension systems of the Visegrad Group. This group is composed of Czech Republic, Hungary, Poland and Slovakia. Application of Aaron's rule is measured by return on different types of pension schemes. Then, ongoing financial sustainability of pension systems in the V4 countries is evaluated. The final assessment of financial sustainability is directed to the situation in the Czech Republic according to the results of the carried out analyzes of the entire group of Visegrad.
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Analysis of the pension systems of selected countries
Málek, Jakub ; Jílek, Josef (advisor) ; Šarapatka, Michal (referee)
The topic of this thesis is the issue of pension systems, which are an integral part of every advanced society. The aim of this thesis is to provide an insight into the basics of the issue, analyze selected pension systems and to assess the possibility of introduction similar pension systems in other countries. In the theoretical part of the thesis first presents basic aspects of the development of approach to finance consumption in old age, possible forms of pension systems, the risks that are associated with them, as well as several models of pension system that are currently enforced. In the analytical part pension systems of Australia, Denmark, Canada, Netherlands, Sweden and Switzerland are first specified separately and subsequently, on the basis of criteria coverage rate, financial sustainability and adequacy of pensions, subjected to comparative analysis. The result of the analysis is the determination of the Dutch pension system as a system that has, although not in all analyzed areas, the relatively best results of functioning. However, the widespread introduction of this system definitely not recommended, due to given economic differences in various countries, which are described in the conclusion of this thesis. Nevertheless of each pension system we can choose a positive approaches to solving problems on which we can build in the future.
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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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Analysis of pension systems of chosen EU countries
Polický, Martin ; Jílek, Josef (advisor) ; Prachař, Ondřej (referee)
This thesis deals with analysis of pensions system of European Union with the focus on demographic development and situation on labour market. It deals with historic development of pension systems and various classifications of these systems. Consequently, it looks into theoretical advantages of PAYG systems and fund-schemes in terms of demographic development and labour market. In the empirical part, this thesis analyzes choosen pension scheme of European Union in the criteria of social security, financial sustainability and microeconomic efficiency. The results of the analysis imply that the Netherlands' pension scheme might be the best, because it performed well in all criteria. The work is then trying to answer the question, whether the fund-scheme is better than PAYG system when it comes to meeting the challenges of ageing population. This thesis finds little evidence that the fund-scheme could cope better with the challenges than the PAYG system and therefore this thesis concludes that fund-scheme is not a solution to the demographic development.
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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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