Ceska sporitelna - penzijni spolecnost, a.s. Praha 4, Czech firm

Ceska sporitelna - penzijni spolecnost, a.s., is the biggest provider of supplementary pension insurance on the Czech market.
The pension company of the Ceska pojistovna has been operating on the market with supplementary pension insurance since 1994.
We provide complex insurance for the clients of Ceska sporitelna.

Our products:
Supplementary pension insurance - Transformed fund:
- established on the 1st January 2013 by earmarking assets and liabilities connected to supplementary pension insurance in accordance with the provisions of the § 182 Act on supplementary pension insurance
- the funds from supplementary pension insurance are automatically transferred into the transformed funds
- the conditions are the same as with the current supplementary pension insurance.

Supplementary pension insurance - III. pillar - the law imposes an obligation to create and manage a conservative participating fund.

3 participating funds that are managed by Ceska sporitelna:
- Conservative participating fund
- Balanced participating fund
- Dynamic participating fund
You can invest in different funds simultaneously and establish the ratio of investments to these individual funds.

Conservative participating fund is suitable in the highest minimization of risks, acceptance of lower yields on the border of inflation. With the fund it is not possible to invest in stocks.

Balanced participating fund is suitable for those who are looking for a complex and long-term solution of their investments.

Dynamic participating fund represents a possibility of acquiring the highest possible return of your funds.

Pension Saving - II. pillar - the law imposes an obligation to manage four pension funds:
- Pension fund of government bonds
- Conservative pension fund
- Balanced pension fund
- Dynamic pension fund.
It is possible to invest in different funds simultaneously - saving strategy.

Pension fund of government bonds:
- offers complex solution of your investments
- fixed interest-bearing financial instruments
- distributed among the financial and bond market with the lowest possible risk.

Conservative pension fund:
- also offers complex solution of your investments
- fixed interest-bearing financial instruments
- long-term return of the funds invested in the instruments of the financial market, government bonds and debt securities.

Balanced pension fund:
- offers complex and long-term solution of your investment in the ratio between the financial, bond and stock market.

Dynamic pension fund:
- offers a possibility of the highest possible return of your funds
- is suitable for experienced investors
- the credit and interest rate risk is actively managed.