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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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Diet after retirement: Does working after retirement matter?
Hrušková, Barbora ; Votápková, Jana (advisor) ; Bertoli, Paola (referee)
Barbora Hrušková Abstract A balanced and healthy diet can prevent chronic and cardiovascular diseases, can- cer deaths, and other serious health problems. Following a healthy diet is therefore essential during all stages of life and old age is no exception. This thesis examines the impact of working after retirement on the diet of retirees using data from the Survey of Health, Ageing and Retirement in Europe (SHARE). The propensity score matching and the logit methods are performed and robust standard errors are ap- plied. Our analysis reveals that retirees who start working anew after being already retired and unemployed for some time, have by 9 pp higher probability to increase their consumption of meat, fruits & vegetables, compared to their counterparts who do not start working. No significant differences are found regarding the impact of starting to work on the change of consumption of dairy products, legumes & eggs. However, we further conclude that the probability of eating meat every day is lower by 4 pp for retirees who are working after retirement, compared to retirees who are not working after retirement. Therefore, we point out that to get a complete picture of how the diet changes based on post-retirement work, it is ideal to also observe the data regarding diet prior to retirement.
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Old Age from the Perspective of the Elderly
MLČOCHOVÁ, Kateřina
The bachelor thesis title states "Old Age from the Perspective of the Elderly". It's theoretical part focuses on old age and population ageing, it's changes and quality. It also describes prejudices, stereotypes, ageism and discrimination, all of which are linked with ageing. This topic is pretty current because of demographic ageing of the population not only in the Czech Republic. That is why it is needed to pay attention to. The goal of this bachelor thesis is to find out how seniors of the age 65 and older perceive the time of being old. Partial goal is to find out if the elderly of the age 65 and above have encountered discrimination or stereotyping because of their age. For the purpose of data collection a qualitative research strategy with polling method and semistructured interview technique were chosen. The informants were elderly of the age 65 and above, living in České Budějovice in a home environment. For the purpose of this research, 10 seniors were asked 5 of which were women and 5 men. The research took place in March 2020. The informants were chosen by a Snowball sampling technique. The acquired data analysis was implemented with open coding method, that enables the break down of the text to smaller parts. For displaying of the results were used diagrams and tables created in Microsoft Excel and Microsoft Word. The research results show that the retirement for the elderly people don't mean end of life. Eight out of ten asked seniors perceived retirement positively. They described this change as a source of free time that can be used for hobbies and spending time with relatives. Seniors also said that ageing has its ups and downs. Eight of them stated couple of advantages such as mentioned free time. Only two seniors saw no benefit in being old. Seniors were also asked if they felt other people treating them differently after retiring. Seven informants stated that they don't see a difference. Two seniors stated that others treated them more politely than before and only one senior said, that others are treating him more arrogantly. To the question if the elderly encountered discrimination because of their age or gender, seven of them replied negatively and three of them positively. They felt discrimination in their job while being close to retirement. On the other hand none of the elderly have encountered discrimination because of gender. While being asked about prejudices, none of the informants have come across it. However, all the asked have encountered stereotyping. The informants couldn't answer question about myths about ageing as they weren't aware there were any.
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Dealing with a retirement
ŠKARKOVÁ, Eliška
This bachelor's thesis is concerned how people dealing with a retirement and how they are handling these changes which affecting their life. This thesis has two parts - theoretical and empirical. The theoretical part explains topics such as old age and coping with it, ageism, retirement and related psychological aspects, adaptation theories and human responses to change. The last chapter of the theoretical part mentions the possibilities of enjoing free time after retirement. The emipirical part of the thesis specifies the reasearch goal and research questions, it describes the research methodology, including how data was collected by semi-structured interview and subsequent analysis by open coding. Furthermore, the ethical aspects of the research, the description of the research file and the results presented by codes and categories.
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The Transition from the Working Process to the Retirement
Štanclová, Marie ; Čížková, Hana (advisor) ; Dočkal, Jan (referee)
This work deals with the changes that take place in people already have retired. It addresses in particular the impact on their life in the last stage of life. Subsequently, a managing retirement as it is when people feel, describes the changes that take place in humans. Then mentions about retirement, pension types. Describes how it can be prepaired, adaptation. It talks about the roles that one has prior to retirement and beyond. Describes the reaction of older people themselves, their perception of this stage and at the same time, how they react to their surroundings. All information has been collected from respondents who have passed retirement. The structured interview was made with them and the obtained informations were subsequently processed.
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Poor age - Growing over-indebtedness of persons in advanced age
Jandová, Pavlína ; Ochrana, František (advisor) ; Plaček, Michal (referee)
Western countries are facing an increasing poverty among seniors related to the demographic revolution and lengthening of life span. The so-called over-indebtedness is one of the "modern" causes and also consequences of poverty. This thesis discusses the relationship between over-indebtedness and poverty with emphasis on senior population (65+). An empiric analysis is employed to explore causes and consequences of over-indebtedness. The increasing over-indebtedness is already being targeted by public policies, however their effectiveness is low. Sufficient material and personal resources are lacking as well as not being optimally utilized. There is only limited cooperation between civil and public-law sectors. Communication with the private sector in a way of common goal setting is also deficient. In a fierce market-driven economy, elderly people become a weak link and find themselves in situations conflicting with morals, human and civil rights, and adequate quality of life in a modern society. This state of affairs threatens social integrity and demands a solution. Three participating groups were surveyed: the elderly, the employees of advisory centers and the non- bank financial institutions. Various approaches to solving the problem are discussed. The result of the analysis consists of a wide...
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Change in retirement policy within the Nordic welfare state
Šmídová, Michaela ; Angelovská, Olga (advisor) ; Šojdrová, Michaela (referee)
My thesis deals with the change of retirement policy in the Nordic welfare state. It focus on the period between years 1990 - 2014, during which the Nordic countries Finland, Norway, Sweden and Denmark were forced to respond to demographic challenges, such as population aging, decrease of economically active population, the increase of old - age dependency ratio and other problems. The main aim of my thesis is to find out if it is possible to observe a markedly different response and acceptance of different changes in the period 1990 - 2014 in the context of pension policy in these countries, or whether the countries responded similarly. The second objective of my work is to undertake a comparison of pension policy within the Nordic countries. As an aspect of comparison, I chose the financial sustainability of pension systems (expected future pension expenditure as % of GDP), the adequacy of pensions (according to the replacement ratio) and the possibility of drawing pensions (ordinary, early) and delay drawing pensions. In my work, I use the method of secondary analysis (especially statistics issued by the OECD and the Eurostat, legal documents and publications). Furthermore, I use comparative method for comparing the situation in different countries according to selected criteria and method of...
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The impact of grandchildren on retirement timing: evidence from SHARE data
Srna, Jan ; Pertold-Gebicka, Barbara (advisor) ; Votápková, Jana (referee)
This thesis examines the role of grandchildren's existence in the retirement timing decision- making process of grandparents. Previous literature has focused mostly on other aspects of retirement and potential causes that can affect its timing. Using the Two-Stage least squares estimation on the SHARE dataset, representing 17 European countries and Israel, we estimate the desired effect with respect to various data limitations (age groups, gender, child existence). Residential proximity is used as the instrument for estimation. Having at least one grandchild yields a statistically significant result that increases on average the likelihood of retirement by 19% when compared to a non-grandparent while holding other factors constant. As a secondary outcome, the estimated effect of an additional child on retirement likelihood is negative. JEL Classification C36, C51, J26 Keywords grandchild, retirement, Instrumental variable, SHARE, IV, wide-ranging data, 2SLS Title The impact of grandchildren on retirement timing: evidence from SHARE data
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