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1

Investment Of Temporarily Free Resources Of Czech Seniors – Present And Perspectives

100%
Novotný J., Polách J.
International Journal of Entrepreneurial Knowledge
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2014
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vol. 2
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issue 2
25-38
EN
The article deals with investment of Czech seniors into investment instruments. This article aims to find out how seniors invest in investment instruments in the Czech Republic and how much of their retirement they are willing to invest. The main problem that occurs in the investment environment in the Czech Republic is a reluctance to invest public investment. The result is the finding whether the seniors investors invest or not, including the introduction of new knowledge arising from research conducted at the chosen target group on the basis of the questionnaire survey. Investors in retirement are an important group of investors in terms of population, where their number is growing every year. The disadvantage of the elderly is often neglected investment company with regard to their age and income.
2

Real Silver and Its Investment and Business Options

100%
Novotný J., Polách J.
International Journal of Entrepreneurial Knowledge
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2016
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vol. 4
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issue 1
40-51
EN
The article deals with investment and business opportunities offered by silver. Silver is the metal used in industry and for investing at financial markets. The main problem related to this real commodity is the issue of “the undervaluation” of its investment options, if compared to gold. If considering silver as the investment option, its investment potential is significantly enhanced by its industrial usage. The aim of this paper is to highlight business and investment opportunities for both professionals and non professional investors at the commodity markets. The price growth of this investment and industrial metal can generate profits for the investors. And on the other hand, industries which cannot do without silver in their production may efficiently utilize the knowledge of setting up its price at the markets.
3
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The role of financial literacy in retirement investment choice

81%
Nguyen T. A. N., Polách J., Vozňáková I.
Equilibrium. Quarterly Journal of Economics and Economic Policy
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2019
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vol. 14
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issue 4
569-589
EN
Research background: Preparation for retirement is a major concern for the people in the workforce as they have to encounter considerable difficulties in making the right investment decisions for their retirement. Purpose of the article: This research extends the literature on personal finance by investigating the impact of both financial literacy levels and pension knowledge on employees? investment choice decision for their retirement, while in previous literature the role of these factors has mainly been explored separately.  Methods: To conduct the research, a survey questionnaire was applied to collect data in three main regions of Vietnam comprising Northern, Central and Southern Vietnam. Data collection was made in 2018, in which 427 valid questionnaires were used for data analysis from 700 questionnaires. Two estimation methods are employed for analysis in this study, including a linear probability model (LPM) and two-stage least squares (2SLS) model. The findings of this research remain significant after the Two-Stage Least Squares (2SLS) regression model is used as an estimation technique to eliminate potential bias caused by endogenous problems. Finding & Value added: The results show that basic financial literacy level and pension knowledge are principal factors which significantly increase the probability of exercising retirement investment choice of employees, while advanced financial literacy level factor has a significant effect on choosing growth investing options for their retirement. Further, this research finds that there is no correlation between employees? financial risk tolerance and their retirement investment choice. Furthermore, the study proposes and offers new evidence that pension knowledge is a decisive factor providing employees with encouragement to exercise retirement investment choice and those who consult with financial advisors tend to take part in growth investing option.
4
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How do security and benefits instill trustworthiness of a digital local currency?

71%
Ključnikov A., Civelek M., Polách J., Mikoláš Z., Banot M.
Oeconomia Copernicana
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2020
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vol. 11
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issue 3
433-465
EN
Research background: The existence of new technologies and increase in the extensive usage of the internet by individuals, forces governments, local authorities and practitioners to create alternative payment methods such as digital currencies. However, some of the individuals are concerned about trusting these currencies since they negatively perceive their security. Moreover, some people with low income have the willingness to use these currencies in case of receiving some financial benefits. In this regard, security and benefits have been used as tools to increase the trustworthiness of digital currencies. Purpose of the article: The goal of this study is to investigate and to examine the influences of security and benefits of a local digital currency on potential users' trust in this currency. This paper also considers the age and work experience of prospective users and investigate these variables' effects on stated relationships. Methods: This paper is based on a case study that includes 413 respondents who are workers of a large company in Cieszyn Silesia region of the Czech Republic. A questionnaire survey was employed by researchers to determine the perceptions of potential local currency users. Binary logistic regression analyses were performed to examine the relationships between selected variables. Calculations were made using SPSS Statistics software. Findings & Value added: The results of this paper confirm the positive influences of security and provided benefits on the trust of a digital currency. Regarding characteristics of potential users, perceptions of younger and less experienced users regarding the security and financial benefits are more positive to trust this currency comparing to older and more experienced respondents. Trade freedom of a country, long term orientation and individualistic characteristics of potential users might be reasons for the positive relation-ships between security, benefits and trust in a local digital currency. On the other hand, the income of prospective users, new technology curiosity, and experience of users might be mounting pieces of evidence to explain the differences in the perceptions of potential users regarding security, benefits and trust to a local digital currency. This paper also proposes some policy implementations to users, practitioners, local authorities and governments to make them cope with the security and trust issues of these currencies.
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