Potenciál investičního životního pojištění jako možnost zajištění na stáří

Abstract

The aim of the thesis is to find out whether investment life insurance still has its place on the market and in the acknowledgement of people as one of the options for pension insurance and subsequently evaluate it‘s advantages or disadvantages in comparison with other options of pension insurance according economic, legal and tax aspects. Methods of analysis and synthesis as well as methods of induction and deduction are used in the work. Questionnaire survay method is used in the practical part. The work includes an approximation of investment life insurance, supplementary pension savings, open-end mutual funds and gold products and subsequent comparison of these products based on selected factors as state contribution, employer's contribution, income taxation, tax allowance, ex post taxation, fees, liquidity, risk strategy selection and direct investment.