Finanční plánování pro dosažení finančního zajištění v důchodovém věku v různých životních situacích

Abstract

This bachelor thesis deals with the issue of financial planning and retirement security through personal savings. The aim of the thesis is to create a financial plan for a model individual that ensures sufficient financial resources for their retirement period. A model case study is used, based on which the financial situation is analysed and an investment portfolio is designed and gradually adjusted according to different life stages. The proposal also includes the selection of appropriate insurance coverage and supplementary pension savings. The results show that even in the presence of significant expenses, such as purchasing real estate or a car, it is possible to achieve long-term savings and investment goals with a properly structured financial plan. The thesis also highlights the importance of starting to invest early, regular contributions, and an appropriately chosen investment strategy for achieving financial stability in retirement.