Editing Pension fund (section)

====Doplňkové penzijní spoření (Supplementary Pension Savings, DPS)====
Source:<ref>{{Cite web|url=https://www.apscr.cz/doplnkove-penzijni-sporeni/|title=Doplňkové penzijní spoření &#124; Penzijko &#124; DPS &#124; Spoření na penzi}}</ref>
* Supplementary Pension Savings have been available since the beginning of 2013. They operate on a similar principle to unit trusts, except that they are set up by pension companies and the client receives pension units instead of unit certificates.
*The main difference from the client's point of view is the possibility to choose the investment strategy of their savings. The three main strategies are:<ref>{{Cite web|url=https://www.nn.cz/poradna/penze/fondy.html|title=Penzijní fondy &#124; NN Penzijní společnost}}</ref>
** Conservative funds – a strategy suitable for clients who wish to invest safely in money market instruments.
**Balanced (mixed) funds – a strategy suitable for clients who wish to take advantage of investing in government bonds and stocks within a single fund.
**Dynamic funds – a strategy suitable for clients who wish to invest exclusively in stocks and expect high returns that beat inflation. In this case, a high risk of volatility must be taken into account. This risk can be mitigated by regular savings.