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¿Serán necesarios los fondos de cesantías?

Author

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  • Vicente Cuartas Mejía

Abstract

El presente trabajo, es fruto de la reflexión en torno a la validez del papel que desempenan los fondos de cesantías en Colombia. Se trata de crear un debate académico sobre la trascendencia e importancia de estas organizaciones, las cuales fueron creadas a partir de la ley 50 de 1990 con el propósito de reducir la carga prestacional a las empresas que estaban afectando su viabilidad, y generar un ahorro obligatorio para que una vez el trabajador se retire de su empleo pueda disponer de recursos. Se parte de un análisis del papel que desempenan los fondos de cesantías, luego se realiza un análisis basado en la simulación de los aportes que haría un trabajador durante su vida laboral y los retornos que pueden generar estos ahorros en relación con otras alternativas de ahorro. Los resultados obtenidos en la simulación permiten concluir que el papel que cumplen los fondos de cesantías no es el más apropiado y se requiere de un rediseno del sistema.

Suggested Citation

  • Vicente Cuartas Mejía, 2007. "¿Serán necesarios los fondos de cesantías?," Revista Semestre Económico, Universidad de Medellín, November.
    • Handle: RePEc:col:000217:005641
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    File URL: http://revistas.udem.edu.co/index.php/economico/article/view/684/625
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    More about this item

    Keywords

    Sistema de protección social en Colombia; fondos de pensiones y cesantías; rentabilidad de lascesantías.;
    All these keywords.

    JEL classification:

    • I31 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General Welfare, Well-Being
    • J32 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Nonwage Labor Costs and Benefits; Retirement Plans; Private Pensions
    • J88 - Labor and Demographic Economics - - Labor Standards - - - Public Policy
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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