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Expert System for Saving Product Selection for Clients of OVB Allfinanz, a.s.
Bednářová, Zuzana ; Macháček, Jiří (referee) ; Rejnuš, Oldřich (advisor)
This Master´s thesis deals with the topic of optional saving for retirement. The pension schemes of selected European countries and of the Czech Republic are described. Also the current situation and the problems these schemes are facing are analyzed. The thesis focuses on the forthcoming pension scheme reform in the Czech Republic. Further, the possible ways of the complementary pension scheme pillar financing using saving products are analyzed in detail. The objective of the thesis is to design an expert system for optimal saving product selection according to client´s individual requirements.
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Expert System for Saving Product Selection for Clients of OVB Allfinanz, a.s.
Bednářová, Zuzana ; Macháček, Jiří (referee) ; Rejnuš, Oldřich (advisor)
This Master´s thesis deals with the topic of optional saving for retirement. The pension schemes of selected European countries and of the Czech Republic are described. Also the current situation and the problems these schemes are facing are analyzed. The thesis focuses on the forthcoming pension scheme reform in the Czech Republic. Further, the possible ways of the complementary pension scheme pillar financing using saving products are analyzed in detail. The objective of the thesis is to design an expert system for optimal saving product selection according to client´s individual requirements.
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The loss of income in the pension and saving for the retiring age.
Bezděk, Jan ; Zámečník, Petr (advisor) ; Smrčka, Luboš (referee)
The main goal of the bachelor's thesis is to find out how large is the loss of income when people are going into the retiring age and how is possible to stop this loss of income by the long term saving in the voluntary pillar of pension system. For this purpose is the practical part devoted to the description of the Czech pension system and the practical part analyses the most usual ways of saving in the voluntary pillar of the pension system. The conclusion of the bachelor's thesis says that if people didn't want to record the decline of living standard in the retiring age they have to save money for the retiring age in the voluntary pillar of pension system.
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Analysis of state aid of financial products
Mizera, Petr ; Hradil, Dušan (advisor)
This bachelor thesis is dedicated to the state aid of financial products and its role in the Czech Republic. Analysis of state aid is focused on products building savings, additional pension insurance, life insurance and loans for house purchase. Product support is important for the client as appreciation of a financial product, it is the competitive advantage of the financial institution in the financial market, the state serves as a tool to achieve goals in public policy and the state aid is applicated more in the Czech Republic than in the Slovak Republic.
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Attitudes and behaviour of households regarding the pension reform
KARASOVÁ, Iveta
The target of my bachelor work was to describe and to evaluate attitudes and consumer behaviour of the households in relation to the upcoming pension reform in the Czech Republic and to recommend suitable products for the households to ensure themselves for the retirement. Primary data were obtained from the questionnaire investigation made by means of internet . Final outcome of my bachelor work was execution of common reccomendation for the consumer.
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Financial resources to funding retirement age
Zelená, Michaela ; Daňhel, Jaroslav (advisor) ; Tuček, Miroslav (referee)
The target of this graduation thesis is to analyze options you have in order to ensure additional financial resources in retirement age. Public pension system is unsustainable. Pension replacement rates by earnings are unsatisfactory. It is necessary to create a financial reserve individualy. From a financial sphere life insurance and additional pension insurance are offered. It is a state contribution which makes them profitable. Also Life cycle fund is an interesting way especialy in long run. From real investment sphere alocation into real estates or small solar power station with state garanties seem to be very convenient. Investment into descendants are disappreciated nowadays, but it is historical tested way of creation added resources in retirement age.
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State subvention of the additional pension insurance in mandatory expenditures
Dvořák, Martin ; Urbánek, Václav (advisor) ; Kubík, Rudolf (referee)
The bachelor thesis is concerned with additional pension insurance with state contribution. It describes how the superannuation scheme works and how it is restricted by law. The goal of this thesis is to describe the secular trend and current state of the additional pension insurance and assess the appreciation of participants contributions. The thesis includes a brief description of current issues and solution suggestions. In the end there are some changes which are considered as a part of pension reform evetually affecting additional pension insurance mentioned.
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The Comparison of Approaches to the Additional Pension Insurance in the Czech Republic and Chosen Country
Končický, Pavel ; Radová, Jarmila (advisor)
My bachelor thesis "The Comparison of Approaches to the Additional Pension Insurance in the Czech Republic and Chosen Country" is primarily a description of the pension scheme as a whole. I focus on the pension scheme in the Czech Republic, especially on the additional pension insurance, its structure, advantages and disadvantages, proposed changes related to the pension reform and potential benefits linked to these changes. I deal with the comparison of different pension schemes, especially with the focus on the pension scheme and additional pension insurance in the Netherlands. At the conclusion of my work I compare the pension schemes and additional pension insurance in the Czech Republic and the Netherlands.
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