Analýza penzijního připojištění a jiných forem spoření na penzi

Abstract

The goal of diploma thesis is analysis and selection of optimal product for retirement savings for selected age groups of the population according to the amount saved at the age of 60. In the theoretical part selected financial products are described as well as their legislation is characterized. The method of comparison is chosen to compare various options of savings according to the selected criteria. In this part of diploma thesis the situation on the financial market in 2010 and 2011 is considered and a prediction for 2012 is made. In the practical part the financial products in terms of total yield are analyzed and optimal products for the particular age groups are selected. To ensure a better predicative ability a questionnaire research is realized. The decisive factor of analysis total saved amount achieved in the age of 60 is in case regular amount from 100 to 2 000 Czech crowns was saving. Saved amount is considered according to the beginning of the savings or investment at the age of 25, 35, 45 and 55.The calculation is made for pension plan, saving account, investment life insurance, open unit trust. Diploma thesis is the basis to those who consider investment or savings to these financial products.