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The principal aim of this bachelor thesis is analysis of a current situation/state of pension insurance in Germany and forecasting of its future development regarding the possible risks of financing in connection with the changing of demographic structure of the German population. First, this work will focus on the system functioning, its history, present situation, financing and current as well as planned reforms. The gist of the analysis reveals problems of financing resulting from the expected demographic development and it will also detect the influence of unemployment. Next, the work will describe the alternatives of individual pension insurance in the form of private retirement income insurance with direct or indirect state contribution. The conclusion will show the way in which pensions will be paid out to Czech citizens who work in Germany on a long-term basis. |
