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Pension income insurance position in the concept of pension reform
Kramperová, Jana ; Krebs, Vojtěch (advisor) ; Nohál, Martin (referee)
Pension income insurance is in the Czech market since 1994 and throughout its operation, the number of its clients increase. Its unique position is due to tax attractive and state contributions. Currently, on the market oprate 10 pension funds, which provides its clients with pension plans for 5 years and then can be saved as a single draw funds or annuity, according to the pension plan. The entire pension system is composed of two pillars PAYG and fading based , which are mutually complementary. Due to adverse demographic changes and financial sustainability of the system, it is necessary to reform the pension system. On the basis of economic expertise have been drawn up various options for changes in the voluntary pillar. Due to the necessary legislative changes, there was also a significant change in the pension income insurance scheme and its position was substantially changed. The voluntary nature of pension obligations have been replaced and now have the ability to save clients money into funds with different investment strategies. "Old" pension scheme will operate in parallelly with the new system, but access to it is no longer possible, it is possible that the pension insurance with state contribution in the longer term expires. The implementation of the government will decide next month.
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Analysis of chosen saving and investment products on the czech financial market from the household´s point of view
Mošovská, Veronika ; Janáček, Kamil (advisor) ; Rybáček, Václav (referee)
The aim of this thesis is to describe particular financial products and compare them from the evaluation point of view. We also will review these products from the perspective of clients who differ in investment and saving attitude. We will focus on czech households and describe their habits in area of financial products and examine their behaviour during a time period in relation to phases of economic cycles and other exogenous variables. We also will describe functioning of financial system and focus on information asymmetry between houselholds and financial institutions. Further we will look at examples of moral hazard done by financial institutions. The conclusion of this thesis provides recommendations of suitable products for each client.
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Market trends of the retirement income insurance
Rapantová, Nela ; Radová, Jarmila (advisor)
The main aim of my thesis is comparison of all the pension funds in the Czech market with each other and with trends in the market and macroeconomic values too. In the first part I will focus on every single pension fund and its characteristic data, history and mainly on the economy of funds, the number of clients in every year and its portfolio analysis. In the second part I will shortly recapitulate the first part, I will work out the market share of the funds and I will compare the funds with progression of macroeconomic values. In the third part I will specialize in two chosen pension funds and I will compare them in different points of view. In the last, the fourth, part I will analyze in which pension fund the client could save money to save up the most, I mean if he save money from 1995 to 2007.
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Pension reform in the Czech Republic and its impact on the consumer
Lorenc, Tomáš ; Drozen, František (advisor) ; Šípek, Ladislav (referee)
This thesis considers the pension reform in the Czech Republic and its impact on the consumer. At the beginning it sums up the possibilities of financing the life in retiremnt age and familiarizes the reader with evolution and current level of the pension system in the Czech Republic. It introduces different suggestions of political parties and in analytical part are specified the reasons for change. Then are presented the basic steps for high-quality reform of pension system. In the last chapters is shown the impact on consumer and presented own suggestion for pension reform.
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