Zajištění finanční stability v postproduktivním věku skrze DPS, OPF v ČR roce 2024

The bachelor thesis deals with the analysis of the current pension system, its issues and is intended to inform and show people why, how and when they should start to solve their future financial stability in retirement in the most effective way. The theoretical part of the thesis describes the construction of the pension system in the Czech Republic, the principles of social policy on which this system is based together with two different approaches in the world. It also describes the newly regulated benefits from the state that can be obtained by people who use private financial products to build up and value their reserves for retirement. The practical part examines the issues of the current demographic development of the Czech Republic, explaining how the state calculates old-age pensions, focusing on the historical development of people's wages and old-age pensions from 1998 to 2023, including a questionnaire compiled from responses from 228 respondents regarding their knowledge of pensions and their solutions. Furthermore, a comparison is made between financial products, which are supplementary pension savings and open-ended mutual funds, which are then used to draw up a pension plan for 2 people who have decided to start building up private reserves for their future retirement, with the participation of receiving benefits from the state.