The Czech personal pensions are far from any efficient system; a unification of the tax regimes and state contributions is a minimum reform strategy. The Czech government and its marketeers failed to elaborate a complex pension reform as promised in 2018 and ordered a complex review of the Czech pension systems from the OECD. This Review recommends splitting the public pension system into two pillars/parts (an universal pension and an earnings-related pension), as recommended by the author and the Ministry of Labor and Social Affairs. As for the „voluntary funded pension arrangements“, the OECD Review recommends the introduction of the occupational pensions or a profound neoliberal reform of the personal pensions. The OECD experts do not see the big discrepancies in the state support of different Czech personal pension plans and try to mobilize all known „soft-compulsion“ methods. The author recommends eliminating the state support of all existing private financial products and to apply the tax-free savings account system.