Problematika soukromého spoření v ČR na zajištění ve stáří s důrazem na státní zásahy v oblasti životního pojištění a penzijního připojištění v období let 2013 - 2015

This bachelor thesis focuses on the evaluation of the impact of government intervention on the savings of citizens of the Czech Republic to the pension, therefore, to relieve the deficit of the pension system. Ongoing funding system is unsustainable, the state attempts to motivate consumers to increase savings through state aid, and greater accountability through sanctions for premature withdrawals. Liquidity is for citizens that important that they remain in unprofitable pension insurance than to take advantage of dynamic strategies in supplementary pension savings. Not always, however, must hurt early withdrawal. Information asymmetry causes that consumers are saving inefficiently. Comparison of several types of savings products shows that some state-supported products may not be the best (such as life insurance should not be regarded as a savings product) and provides an objective recommendation of the most suitable. Based on the calculated impact of pension reform on 1st January 2013 and the previous recommendations I am calculating how far is Czech Republic from the visions of independent retiree and presenting my recommendations to accelerate this journey.