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Sociální zabezpečení osob samostatně výdělečně činných
Chudá, Barbora
This bachelor thesis focuses on the social security of self-employed persons and security for old age through investment or saving. It deals with the primarily possibility of voluntary payment of pension insurance rate for self-employed persons. In term of a quantitative questionnaire research is found out low awareness and knowledge about social and pension insurance. It is also found out low level of motivation for voluntary paying to insurance rate and for securing the future for the period of age. Respondents do not use financial advisory services and their interest in financial products has not been proven. According to results saving is the most used and most popular product. The most popular type of investment is regular investment. Further is made a comparison selected financial products of capital markets, which are currently available and their application for specific examples. Application shows that the choice of financial product depends the most on the length of the investment horizon. Investments are preferable for persons with an investment horizon longer than 15 years. Saving is more convenient to close in less time.
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Financial mathematics for secondary schools with internet support
Tomandl, David ; Robová, Jarmila (advisor) ; Odvárko, Oldřich (referee)
The work deals with financial mathematics and its teaching in upper secondary school. This thesis contains introduction to finance, simple and compound in- terest, securities, bonds, loans and savings. The work is also presented in the form of web pages. The web pages are enhanced with interactive features such as applets in GeoGebra and step-by-step solutions for exercises. The web pages include a final test in which one can check his knowledge. The test contains ten randomly generated tasks which cover the curriculum of the thesis. The work is meant as an extending teaching materials for upper secondary school pupils. 1
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Collection of exercises of financial mathematics for high schools
ŠACHLOVÁ, Kamila
This bachelor thesis is focused on solved tasks from financial mathematics. Chosen tasks were complemented with possible use of modern technology (internet calculators, spreadsheet Microsoft Excel and a computational knowledge engine Wolfram Alpha). A collection of tasks is intended for high schools and contains these topics: inflation, exchange rate, interest (simple and compound, decursive and anticipative), loans, APR, mortgage, savings (short-term, long-term and combined) and financial products with state support. The basis for creating tasks is Framework Education Programme for Secondary General Education. The tasks were created with emphasis on the development of key competences in accordance with FEP SGE.
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Savings accounts and their use in everyday life
Šrumová, Lenka ; Tichá, Milena (advisor) ; Jirásková, Věra (referee)
TITLE: Savings accounts and their use in everyday life AUTHOR: Lenka Šrumová DEPARTMENT: Social Sciences and Philosophy Department SUPERVISOR: PhDr. Milena Tichá, CSc. Abstract This bachelor's thesis evaluates the currently most popular types of savings accounts and their characteristics of use in everyday life. The thesis is divided into two parts where the first part gives an account of various savings account types and elaborates on their pros and cons from the customer's perspective. A very important factor for the comparison of different types of savings accounts is the interconnection of the three vertices of an investment triangle representing risk, liquidity and profit. The second part of the thesis is more practical and presents two types of savings accounts offered by three different financial institutions which more or less vary. The thesis then concludes by illustrating the differences between various types of savings accounts and summarizes the key findings. Keywords: saving, bank, financial product
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The Comparison of Possibilities of the Medium-Term Investments
HAŠPL, Martin
This bachelor thesis investigates possibilities of the medium-term investments which citizens use to evaluate their free means. The thesis mainly focuses on the unit trust, building savings, saving accounts. The goal is to compare supplies of the companies and products and decide which way or the possibility of investment is the most advantageous according to the chosen criteria. The theoretical review also includes the description of the functioning of the financial market and particular methods of the multiple criteria decision making. The practical part includes ranking of the particular products on the basis of the multiple criteria decision making. The conclusion of the thesis shows andvantages and disadvantages of the particular possibilities of investments and includes recommendation cocerning selection of the product.
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Financial provision of people into retirement age in the Czech Republic
Poláková, Eva ; Gebeltová, Zdeňka (advisor) ; Hana , Hana (referee)
The aim of this thesis is characteristics of current pension system in the Czech Republic in a response to the great pension reform of 2013, description of the pension system before 1989 and the knowledge of people about the problematics of pensions, their attitude and methods of making their own financial reserves into retirement age. There is an explanation of functioning programs that are suitable for making financial reserves covered in III. pillar of pension system.
Practical part of the thesis includes survey which aimed to evaluate respondent's awareness of retirement problematics and their position of making financial reserves into retirement age in a response of financial literacy. According to the survey 47% of respondents are making own financial reserves.
Then there are compared other saving products described in theoretical part of this thesis. Product profitability of different companies is compared through criteria such as charges, evaluation and others. Air Bank's account is more profitable in saving accounts category than ING Konto. In category of Supplement's pension insurance the more profitable is product that offers Penzijní společnost České pojišťovny compared to KB pension company. In Investment life insurances there is more advantageous to have one from Kooperativa company than from Generali insurance company.
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Řešení nedostatku finančních prostředků v různých typech domácností v ČR
Pavézková, Lenka
The diploma thesis deals with the identification of forms solution for the absence of financial funds in different types of households in the Czech Republic. The theoretical part focuses on the consumer behaviour of households and the factors influencing the consumption. The practical part is based on qualitative research which analyse the structure of income and spending of households and their consumer preferences. It recognizes the main reasons leading households to saving, lending and using of financial products. A significant part of the diploma thesis is focused on the issue of financial literacy. Research sample was consisted of 18 households, for one month households had to recorded income and spending into the diaries. Diary survey was supplemented with in-depth interviews (n = 18). Gained information allowed to deduce conclusions and to formulate recommendations for institutions acting in the financial markets.
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Identification of Factors Affecting Decision-making on the Selection of Savings Products
Vomela, Radim ; Širůček,, Martin (referee) ; Ptáček, Roman (advisor)
This bachelor thesis entitled „Identification of factors affecting decision-making on the selection of savings products“ deals with savings products. The aim of the thesis is to analyse the current situation on the market with the savings products and to identify factors influencing savers the most when selecting specific products. The first part of the thesis is dedicated to brief description of the products. In the second part we introduce results of the questionnaire survey and analyse them. In conclusion we outline basic proposals and recommendation for financial institution.
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