Návrh investičního portfolia pro finanční rezervu v důchodovém věku

Abstract

The topic of this bachelor thesis is the proposal of an investment portfolio for a financial reserve in retirement. The bachelor thesis focuses on savings and investment products on the Czech market that can ensure an optimal level of financial reserve in retirement. The theoretical part deals with the description of the pension insurance system of the Czech Republic, principles of financial reserve formation, and description of suitable investment instruments. The theoretical background is followed by a practical part with the aim of highlighting the performance of individual products. Based on the findings, an attempt is made to estimate the amount of expected financial reserves for individual investors with different periods of saving for old age for the selected products. The evaluation of the products is in terms of the terminal value of the assets at retirement age and the amount of annuity received, if any.