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Risk Assessment of Selected Methods of Retirement Saving
Vojáčková, Šárka ; Toman,, Petr (referee) ; Ptáček, Roman (advisor)
The Master Thesis „Risk Assessment of Selected Methods of Retirement Saving“ deals with retirement savings risk assessment in three selected alternatives. The theoretical part focuses on the collection and processing of data: II. pillar, Unit Linked Insurance and separate investments. Companies representing all the different alternatives are selected and described. In the second part of the Master thesis are calculated models of alternatives. The risk analysis for all considering saving options is carried out by Ripran Method.
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Comparison of pension system and its reform in the Czech and Slovak Republics
Šárková, Veronika ; Kotrusová, Miriam (advisor) ; Klusáček, Jan (referee)
Bachelor thesis " The comparison of the pension system and pension reform in the Czech Republic and Slovak Republic ." deals with the situation regarding the pension system in the Czech Republic and in the Slovak Republic. Author in this work describes a brief introduction to the pension system in the both countries, its development after the 1989 and the characteristics of the current retirement system. The main goal of this work is the reform of the system, with a focus especially on the implementation of the second pillar - pension savings. The aim is to evaluate and describe the changes that have occurred during the execution of the pension reform in both countries. As a part of this evaluation have been characterized similarities and differences in a contemporary setting of the second pillar pension system in both countries. The author also discusses possible reasons for differences in the systems in selected countries.
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Comparison of pension system and its reform in the Czech and Slovak Republics
Šárková, Veronika ; Kotrusová, Miriam (advisor) ; Klusáček, Jan (referee)
Bachelor thesis " The comparison of the pension system and pension reform in the Czech Republic and Slovak Republic ." deals with the situation regarding the pension system in the Czech Republic and in the Slovak Republic. Author in this work describes a brief introduction to the pension system in the both countries, its development after the 1989 and the characteristics of the current retirement system. The main goal of this work is the reform of the system, with a focus especially on the implementation of the second pillar - pension savings. The aim is to evaluate and describe the changes that have occurred during the execution of the pension reform in both countries. As a part of this evaluation have been characterized similarities and differences in a contemporary setting of the second pillar pension system in both countries. The author also discusses possible reasons for differences in the systems in selected countries.
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Vyhodnocení předčasného důchodu a předdůchodu
Syslová, Lenka
The thesis deals with the evaluation of early retirement and pre-retirement. The first part describes the current pension system in the Czech Republic. The second part evaluates the election of early retirement or pre-retirement in model situations, taking into account the different year of birth and the average income and the subsequent comparison of model situation.
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Risk Assessment of Selected Methods of Retirement Saving
Vojáčková, Šárka ; Toman,, Petr (referee) ; Ptáček, Roman (advisor)
The Master Thesis „Risk Assessment of Selected Methods of Retirement Saving“ deals with retirement savings risk assessment in three selected alternatives. The theoretical part focuses on the collection and processing of data: II. pillar, Unit Linked Insurance and separate investments. Companies representing all the different alternatives are selected and described. In the second part of the Master thesis are calculated models of alternatives. The risk analysis for all considering saving options is carried out by Ripran Method.
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Analysis of the results of the current pension reform by the end of 2013 and the comparison of their possible alternative solutions
Baxa, Daniel ; Pavlíček, Tomáš (advisor) ; Prachař, Ondřej (referee)
My bachelor thesis analyzes the existing results of the current pension reform after the first year since its inception, i.e. its state as of the end of the year 2013. My work focuses on the current results, which the pension reform has achieved since its creation, it evaluates the numbers of participants, their composition, and last but not least, their influence on the feasibility of the entire II. Pillar. Considering the negative results of the achievements of the reform in comparison to its expected goals, my work also delivers suggestions for steps toward improvement, which can be applied as rectification of the current state of the reform. As such, the thesis outlines and compares steps which must be taken immediately after the demise of the II pillar of pension reform, and further compares proposals of solutions which can be taken into account as alternatives for the reform of the pension system, whereby foreign solutions are also considered. The consequence of this thesis can be a recommendation as to how to deal with the current condition of the pension reform, so that negative impacts of its failure can be eliminated as soon as possible. The conclusion of the thesis attempts to also provide a positive view of pension reform.
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The comparison of pension systems in the Visegrád Group focused on the Czech Republic
Hlavová, Kristýna ; Ježek, Tomáš (advisor) ; Damborský, Milan (referee)
Visegrád countries were forced to adopt a widespread pension reform due to demographic facts. This reform led to the creation of the 2nd pillar. This thesis deals with this new funded pillar, which should facilitate the financing of the PAYG system (1st pillar). Using comparative analysis I reveal why all of Visegrád countries reduce 2nd pillar after several years of its functioning. The most common reason for this reducing was an effort to improve the unsatisfactory situation of public finances. The abolition of 2nd pillar actually leads to a certain improvement of public debt and deficit, but this positive effect is only short-term. More specifically I focus on the arguments of the Government for the abolition of the funded pillar in the Czech Republic, which I consider largely baseless. I also discuss the possible impacts of the reducing of the 2nd pillar. Currently, the countries of V4 try to save their pension systems using the 3rd pillars, however the current form of this supplementary pillar cannot provide a sufficient financing of the PAYG system.
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Pension reform in the Czech republic and its approach focused on second pillar
Dvořáková, Monika ; Poláková, Olga (advisor) ; Hájek, Jan (referee)
My diploma dissertation concerns the theoretical introduction of the retirement system, economic theories and the cause of the retirement reform in the first part. The second part represents the analysis of so-called small retirement reform and is focused on the retirement system since the beginning in 2013 with the accent to newly established retirement saving. The aim of my diploma dissertation is the evaluation of the existing functioning of the second pillar and the reasons of the low interest of the inhabitants. The comparison with the chosen states where the retirement saving already operates is a part of the second pillar analysis. Slovakia and Hungary are the European representatives with the similar schema of the retirement system and Chilean system is based on the fund financing. The opinion of the population was checked with the questioning. The pivotal part of my diploma dissertation and its main goal is the analysis of the second pillar accession availability from the age, income, family situation, investment strategy point of view and other criteria. The strategy with the low earning is suitable for the higher incomes only as resulted from the calculation. The more aggressive investment strategy with higher earning is convenient for the younger people with lower income and the older the more suitable access contingent on the higher income. As there is no interest in the second pillar participation the goal of my diploma dissertation is the proposal of alternative methods as investment or saving products of the bank institution for the old age security.
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The effects of choosing the pension system on the individual and on revenue and expenditure of the Czech Republic
Redl, Jan ; Klazar, Stanislav (advisor) ; Brabcová, Pavlína (referee)
This thesis deals with current pension reform and particularly with the new second pillar of the pension system. The current status of the pension system and negative demographic prognoses, which advocate the necessity of change, are described. Further, with a help of a study written by Ondrej Schneider and Jiri Satava (both Idea Cerge -- EI), the thesis analyses the benefits and ill effects of the second pillar of the system for an individual taking part in it. Various assumptions in the study were critically evaluated, especially the rate of profit. The prediction of the number of persons who will participate in the second pillar was accepted. On the basis of this number, the impact on revenues and expenditures of the pension system up to 2050 was modelled, assuming a certain demographic structure of population. Decreasing revenue is participated on revenues caused by opt-out. Expenditure is influenced by pension reduction and by increasing number of pension applicants. The cost of pension corporation which will take part in the second pillar was investigated too.
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Analysis of Pension System in Slovakia
Janna, Martin ; Vopátek, Jiří (advisor) ; Kaczor, Pavel (referee)
The objective of my thesis is the analysis of the pension system in Slovakia. I have focused on the reasons for making the reform, ways of its implementation and problems resulting from a non-existent consensus across the political spectrum. The study may help to recognize certain critical points of the Czech reform and facilitate the decision on participating in the second pension pillar.
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