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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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Marketing Research of Customer Satisfaction of the Third Pension Pillar
Filkuka, Martin ; Hedija, David (referee) ; Šimberová, Iveta (advisor)
This thesis aims at using marketing research to determine customer satisfaction of university students with the third pillar of the pension system. The first section describes the objectives of the work, including the necessary methods. The following theoretical part deals with basic concepts of marketing, marketing research, as well as defining the customer and his satisfaction, including methods by which satisfaction is measured. In addition, there is a description of the general operation of pension systems and individual pillars. The practical part includes marketing research, evaluation of the collected data and own suggestions for improving this product.
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Suggestion of Solution of Old Age Pension Scheme in the Czech Republic
Holásková, Romana ; Richterová, Jana (referee) ; Škapa, Stanislav (advisor)
Bachelors´s thesis is aimed at problems of old age pension scheme in the Czech republic. Theoretical part of thesis defines basic data relating to pension system as whole and information necessary to comparision pensions in other states. Analytic part deals with pension systems in chosen states including their analysis which is important to individual suggestions of suitable solution of pension. At the end the thesis is completed by particular suggestions which are recommendations of old age pension scheme not only for citizens but also for our government.
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Comparison of Selected Financial Products Contributing to Old Age Ensurance
Sýkorová, Renáta ; Oppl, Michal (referee) ; Rejnuš, Oldřich (advisor)
This bachelor thesis deals with one of the biggest social problems of present days, with the retirement system. Regarding the fact that the retirement system in the Czech Republic is unsatisfactory, it is necessary to prepare for the retirement individually without relying on the support of the state. I aim my bachelor thesis at selected products of the financial market that can help ensure contented old age. The analysis takes into consideration the age, the amount of savings and, last but not least, the tax rates to which people belong. The theoretical part deals with the most important definitions and describes the functioning of particular products. The practical part analyses examples of clients saving their money at different times, in different combinations of investment sum, and various examples of tax groups. This part deals with comparison of different products and tries to find the ideal combination for saving for the old age.
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Pension reform
Šuchma, Petr ; Štangová, Věra (advisor) ; Tomšej, Jakub (referee)
Pension reform Abstract This master thesis contains analysis of the pension system in the Czech Republic, its comparison with pension systems in several countries and description of historical and contemporary designs of pension reform. My ownassessment of this problematics is in conclusion. The introduction of this master thesis describes the theoretical concept of the pension system, contains detailed analysis of valid regulation of the Czech pension system (including its constitutional basis),the main first pillar,whichis financed by the pay as you go system and which represents pension insurance, as well as the supplemental pension savings as a voluntary participation pillar. Furthermore, this thesis marginally concerns procedural regulation, thus organization and proceedings in the matter of pension insurance. It describes relations between public authorities that are empowered in the area of pension insurance and description of the procedure itself. This thesis also contains an overview of pension systems in Slovakia, Sweden and the Netherlands. These countries have been selected because the Slovak and Czech pension systems are very comparable and Swedish and Dutch pension systems are generally considered some of the best in the world, whereas each of them stands on different bases. This thesis also...
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Odvody sociálního pojištění OSVČ v zemích V4 ve vazbě na důchodové aspekty
Čalkovská, Helena
The diploma theses focuses on comparison of the tax burden of employees and self-employed persons in the Visegrad Four countries. For each of these countries, the health system, social security, personal income taxation and pension system is described. The findings of the theoretical part are then compared, with particular emphasis on social insurance contributions. Based on the theoretical background, model examples were constructed, showing the tax burden on the two groups enlisted, in all studied countries. Furthermore, a model calculation of the old-age pension has been developed for Czech taxpayers. The results clearly show the unfairness of the tax burden on the studied groups and the related problem of the current pension system. The conclusion provides multiple sets of recommendations, one for a more equitable setting of contributions for the self-employed improving sustainability of the pension system, another for the system itself.
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Investiční životní pojištění a doplňkové penzijní spoření
Fučíková, Miroslava
The bachelor's thesis focuses on the comparison of life investment insurance and complementary pension savings as part of the evaluation of the invested funds by the client, with a focus on contributions from the state and tax relief. The practical part is devoted to the comparison of selected products from the largest insurance companies on the Czech insurance market. The age of the client at the time of concluding the insurance contract or early termination of the insur-ance contract can significantly affect the returns from invested funds, which is why the bachelor's thesis is also focused on this issue.
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Impact of retirement age on the shadow economies of Central European countries: the case of Austria and Germany
Chabak, Mariia
The bachelor thesis is focused on investigation the underlying causes of the shadow economy in Austria and Germany, with a particular emphasis on the retirement age. The research data was obtained from the World Bank Data Bank and OECD estimates related to retirement age. To conduct the research methodology and analyze the data, the MIMIC model and Stata 17 SE software were employed. The thesis results provide insights into the factors that influence the shadow economy, particularly in relation to the retirement age. Additionally, the thesis proposes methods to mitigate the adverse effects of the shadow economy growth from the retirement age perspective.
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