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Finanční portfolio mladé české rodiny
Švejdová, Michaela
The aim of the bachelor thesis is to point out the importance of financial planning in personal and family life. The issue of financial planning consists in the prepara-tion of a financial plan to satisfy the needs and wishes, to achieve the short-term and long-term goals and to secure against the risks that could affect the financial and life situation. Each goal in a financial plan requires a certain amount of money to be earned through continuous or one-off deposits in financial products. Secur-ing is done in two ways - the creation of own financial reserves so-called self-insurance or the conclusion of insurance contracts in the insurance market. A set of closed family financial products is called a financial portfolio. The bachelor thesis at first defines the basic concepts of financial planning, explains the financial products that are offered on the financial market and their possible use with respect to the financial strategy. Theoretical knowledge is put into practical use in two draft financial plans for two different young families. Families differ from each other especially in current life situation, with one couple faces the decision to finance the building of the family home, and the other couple plans to expand the family and secure family.
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Aktuální situace a vzdělávání v oblasti finanční gramotnosti v České republice
Sikorová, Aneta
The bachelor thesis deals with financial literacy focused on high school students in the Czech Republic. It defines financial literacy, related concepts and financial education. Researches that has already been done on this topic are described in this thesis. Using a questionnaire survey, attended by high school students, data were obtained to be used for further process. Based on this data, the current financial situation focused on high school students is defined and it is assessed whether the financial education provided to students is beneficial. In the conclusion it is assessed that the knowledges of high school students are mostly unsatisfying. Financial education should be improved as it appears to be lacking.
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Contemporary options of evaluation free financial resources
Jurčíček, Václav ; Smrčka, Luboš (advisor) ; Zámečník, Petr (referee)
The objective of this thesis is a comparison of two complex scenarios of a personal financial plan. Both scenarios fulfill major objective of securing privately-owned property and furthermore comprise a combination of other modern financial products, which generate stream of cash flows. A combination of two methods is used for the comparison - a SWOT analysis and NPV analysis, which compares monthly cash-flow values over a course of 34 years.
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