Posouzení vlivu poplatků na výsledný výnos z investice

Abstract

This bachelor's thesis focuses on the impact of fees on the final value and return of investments, both in general terms and within the context of specific investment instruments. The theoretical part describes the nature of selected investment instruments, which are subsequently used to assess the influence of fees in the following sections of the thesis. It also includes an interpretation of indicators used to quantify the effect of fees. The next part presents an analytical assessment of the impact of individual fee categories — specifically entry fees, ongoing fees, exit fees, and a specific prepaid fee. These types of fees are examined through constructed model scenarios, and their effect is evaluated using ratio indicators. The practical part builds on the previous findings and incorporates the actual fee structures of selected investment products into the calculations. The results are visualized using graphs and are based on the final investment value and the extended internal rate of return (XIRR). The concluding section of this chapter connects the quantitative outcomes with qualitative aspects, allowing the fee structure of each product to be placed into a broader investment context, including an assessment of its justification.