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El ahorro para el retiro. Una reflexión para México

Listed author(s):
  • Villagómez, F. Alejandro

    (Centro de Investigación y Docencia Económica)

Wide concern between academics and policy makers in several countries has long existed on the question of whether individuals are saving enough for their retirement phase. Empirical evidence for developed countries, as well as the little evidence available for developing nations, shows that this is not the case. This paper provides a review of the theoretical literature on the topic, particularly on the Life-Cycle Model, as well as further approaches that contribute to explain this phenomenon. Special emphasis is given to the Mexican case, providing the small amount of evidence available about retirement savings of Mexicans and showing that, in general, it is not adequate. Finally, the paper concludes with some considerations, useful for public policy that will address this problem.// Desde hace tiempo existe una señalada preocupación entre académicos y autoridades en muchos países sobre si los individuos están realizando el ahorro necesario para su fase de retiro. La evidencia empírica muestra que en los países desarrollados no es así, y lo mismo indica la poca evidencia disponible para países en desarrollo. En este trabajo se hace una revisión de la literatura teórica sobre este tema, en particular del modelo de ciclo de vida, así como de otros planteamientos que contribuyen a explicar el fenómeno. Se hace hincapié en el caso mexicano y para ello se ofrece la escasa evidencia disponible sobre el ahorro para el retiro de su población y se muestra que éste no es adecuado en la mayoría de los casos. Se concluye con algunas reflexiones útiles para diseñar políticas públicas que permitan enfrentar este problema.

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Article provided by Fondo de Cultura Económica in its journal El Trimestre Econónomico.

Volume (Year): vol. LXXXI (3) (2014)
Issue (Month): 323 (julio-septiembre)
Pages: .549-576

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Handle: RePEc:elt:journl:v:81:y:2014:i:323:p:549-576
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