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Brechas por Género en Aversión al Riesgo

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  • Jaime Ruiz-Tagle V.
  • Pablo Tapia G.

Abstract

Existe cierta evidencia indicativa que las mujeres serían más aversas al riesgo que los hombres. Esto tiene importantes consecuencias en la toma de decisiones que involucran incertidumbre, tales como las decisiones laborales, financieras y de pensiones. Este artículo analiza las diferencias en aversión al riesgo por género en Chile. En primer lugar se encuentra que la aversión al riesgo tendría un perfil cóncavo de acuerdo a los distintos grupos etarios. Es decir, la aversión al riesgo sería creciente en grupos etarios jóvenes y medios, y luego se estabilizaría en edades mayores. En segundo lugar, se encuentra que las mujeres serían significativamente más aversas al riesgo que los hombres, pero solo en grupos etarios jóvenes y medios. En efecto, los resultados muestran que la brecha en aversión al riesgo tiende a desaparecer en edades próximas a la jubilación. Los resultados anteriores se confirman al controlar por características sociodemográficas, respaldando la robustez de los hallazgos. El perfil cóncavo de la aversión al riesgo podría explicarse porque el grupo etario de mayor edad es más experimentado, tiene más compromisos como el estar casado, tener hijos o generacionalmente es distinto al grupo etario más joven. También se encontró que un mayor ingreso laboral y mayor escolaridad reducen la probabilidad de ser más averso al riesgo.

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Bibliographic Info

Paper provided by University of Chile, Department of Economics in its series Working Papers with number wp373.

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Length: 33 pages
Date of creation: Dec 2012
Date of revision:
Handle: RePEc:udc:wpaper:wp373

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Web page: http://www.econ.uchile.cl/
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