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This bachelor work focuses on such a product as occupational pensions in its former form and current version called additional pension savings. The first part is dedicated to the reasons of the pension reform in CR which occurred in parametric as well as in paradigmatic transformations of the whole pension system, which is described in the end of the part. Due to the goal of the work the progress of occupational pensions is being studied throughout recent years to evaluate and compare the pension funds from the aspect of their efficiency. An important attempt is the juridical comparison and evaluation of differences of those two variations. As well the work outlines the other alternatives of financial provisions in comparison with the third pillar.

This bachelor thesis deals with the current reform of the pension system in the Czech Republic. The first part briefly discusses the Czech pension system, especially its deficiency and the need for change. Second chapter analyses the pension reform passed in 2011, particularly the reform steps already taken and the expected creation of a new pension system after 2013. Third chapter is devoted to the supplementary pension insurance with state contribution, its present standing and its planned changes. Fourth chapter marginally presents current pension funds in the Czech Republic, considering the significant transformations from January 2013.

The aim of this diploma thesis on the topic "Pension insurance in a context of pension reformo of Czech republic" is to evaluate a present pension system in Czech republic, to judge demographic and fiscal reasons of pension reform necessity. There will be defined positives and negatives of individual changes in existing pillars and described quality of new pension saving pillar. A main focus belongs to supplementary pension insurance and planned transposition into supplementary pension saving.

The bachelor thesis tackles the issue of supplementary pension insurance with government incentives in the Czech Republic, this being the third pillar of the pension system of the Czech Republic. In the first two chapters there are stated the general characteristics of the supplementary pension insurance and pension funds. The following chapter is focused on the control system and regulation of the supplementary pension insurance and also suggests possible ideas for changes that could be implemented into the supplementary pension insurance system as a result of implementation of the second pillar of the pension system of the Czech Republic. The last chapter is an analysis of return on supplementary pension insurance consisting of three parts. First part analyses the incentives provided by government. The second part focuses on the rate of return on the pension funds and the last part provides a detailed analysis of two chosen pension funds.

My bachelor thesis "The Comparison of Approaches to the Additional Pension Insurance in the Czech Republic and Chosen Country" is primarily a description of the pension scheme as a whole. I focus on the pension scheme in the Czech Republic, especially on the additional pension insurance, its structure, advantages and disadvantages, proposed changes related to the pension reform and potential benefits linked to these changes. I deal with the comparison of different pension schemes, especially with the focus on the pension scheme and additional pension insurance in the Netherlands. At the conclusion of my work I compare the pension schemes and additional pension insurance in the Czech Republic and the Netherlands.

My bachelor thesis "The Analysis of the Security of People in Old Age" is devoted to selected manners, which can be used to ensure people in post-productive age. These are primarily the collective investment, investing in stocks and real estate investment. With less details than the first three mentioned ways are analyzed the life insurance and additional pension insurance. I describe and evaluate all these methods especially with focus on their applicability for the purpose of security in old age, as it is demonstrated on three model examples. I also point to the need for a conscientious approach to dealing with old age security, which rests not only in the decision to begin ensuring yourself for an old age, but also in taking this decision as soon as possible, respectively by the time it will be enabled by the economic situation of person in question.

The theme of my bachelor essay is the industrial insurance and its role for solving needs of people in age. My essay is devoted to problems of products that are used in the Czech Republic in context with satisfaction of needs in age. At the beginning of my work I will analyse current situation of the income reform in the Czech Republic and its current problems and deficiencies. In the second part I will analyse all products of the industrial insurance and the pension rider. The analysis of all insured products is devoted to offer of Kooperativa a.s. and ING a.s. I describe the pension rider in the framework of the pension fund of Česká spořitelna and the pension fund of ING. At the close of my work I recommend to clients according to their age and their gains appropriate products for their provision.

The main aim of my thesis is comparison of all the pension funds in the Czech market with each other and with trends in the market and macroeconomic values too. In the first part I will focus on every single pension fund and its characteristic data, history and mainly on the economy of funds, the number of clients in every year and its portfolio analysis. In the second part I will shortly recapitulate the first part, I will work out the market share of the funds and I will compare the funds with progression of macroeconomic values. In the third part I will specialize in two chosen pension funds and I will compare them in different points of view. In the last, the fourth, part I will analyze in which pension fund the client could save money to save up the most, I mean if he save money from 1995 to 2007.

Pension reform and demand for supplementary insurance

The bachelor thesis presents the savings options, which are easily available for consumer sector in Czech republic. In 5 chapters there are 5 products presented: home-building savings, fixed-term deposits, saving accounts, pension insurance, saving on checking accounts and cash savings. The main objective is to analyze demand for chosen products and the volume of deposits.

This bachelor thesis describes pensionable system, Czech additional pension insurance and Slovak additional retirement saving. There is represented a specific development of these two savings, their advantages and disadvantages. Than a comparison follows and also mutually target of these two systems. At the end is a summary and comparasion of both systems.