Předmět Finanční poradenství (PF)

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Materiál	Typ	Datum	Počet stažení

Cíl

The aim of this course is to get students acquainted with the principals of the financial literacy, i.e. personalfinancial planning and using of appropriate financial products.The students will be able to:- compare financial products,- invest for household needs,- define the work of financial adviser,- create own personal investment portfolio,- evaluate situation on the Czech and global financial markets.

Osnova

1. Financial investment. Investment triangle – personal finance application. Financial planning, typical familyfinancial targets. 2. Family finance, household balance sheet and cash-flow, household savings. Household budget, importance of nestegg and insurance.3. Financial mathematics, time value of money, basic household situation application.4. Insurance products, life and disability insurance, non-life insurance, correct insurance, most frequent insurancemistakes.5. Savings products without insurance. Pension system, pension funds. Pension system reform. Advantages and disadvantagesof investing in pension funds.6. Securities: bonds, shares, mutual fund shares. Short-term and long-term investing. Household portfolio of securities.7. Collective investment, types of funds. Investing in mutual funds. Index funds, guaranteed funds. Collectiveinvestment in the Czech Republic and abroad.8. Bank products, deposit accounts, credit products, mortgage loans, consumer lendings, credit cards. Buildingloans.9. Household savings structure, preferences of saving ways and styles, household debts. Comparison of Czech andforeign household portfolios.10. Principles of financial portfolio creation, good and bad debt, investment process, diversification, regularinvesting (dollar cost averaging).11. Financial independence, financial freedom - explanation of the terms, their importance to family finance. Cash-flowquadrant.12. Investing in tangible assets (real properties, commodities, collections). Inflation, interest rates, exchangerates, their ifluence on family finance.13. Investment psychology, value of money, relation to the own property, analysis of the investor behaviour inthe financial markets.14. Financial institutions, history and development of financial institutions, regulation of financial institutionsand financial market from the view of the personal finance. Present-day situation in the Czech financial marketand global financial markets.

Literatura

KAPOOR, Jack.R., DLABAY, Les.R. and HUGHES, Robert.J. Personal Finance. 10th ed. McGraw-Hill/Irwin, 2011. 768 p.ISBN 978-0073530697. KIYOSAKI, Robert T. Rich Dad, Poor Dad. 1st ed. Plata Publishing, 2011. 178 p. ISBN 9781612680002. MISHKIN, Frederic S. and Stanley G. EAKINS Financial Markets and Institutions. 6th ed. Boston: Pearson PrenticeHall, 2009. xxxix, 675 p. ISBN 978-0-321-37421.

Požadavky

Žádné

Garant

Ing. Kateřina Kořená, Ph.D.

Vyučující

Ing. Kateřina Kořená, Ph.D.