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Aportaciones compartidas para pensiones en Colombia, Mexico y Peru: Experiencias y perspectivas

Author

Listed:
  • Luis J. Carranza
  • Angel Melguizo
  • David Tuesta

Abstract

Las cotizaciones compartidas en sistemas de aportaciones definidas van ganando popularidad tanto en paises ricos como pobres como un mecanismo prometedor para reducir las carencias de participacion en los sistemas formales de pensiones. Las cotizaciones compartidas por los empleadores, por el Estado o por ambos, a sistemas de contribuciones definidas se utilizan solas o junto con otro tipo de actuaciones para estimular la participacion en planes de pensiones. Aunque sigue siendo demasiado pronto para extraer conclusiones definitivas o directrices con las que orientar las politicas publicas, este capitulo ofrece un resumen de la informacion actualmente disponible que se presenta en este volumen y que apunta hacia algunas observaciones preliminares sobre la posible utilizacion de este modelo. Esta experiencia, que deriva en su mayor parte de paises con ingresos altos y que ahora se esta complementando con algunas primeras experiencias en otros escenarios, sugiere que las cotizaciones compartidas son moderadamente eficaces a la hora de aumentar la participacion en los programas, pero en general no es posible medir su eficacia en cuanto a la recaudacion de aportaciones y, por tanto, a los niveles de prestaciones futuras. Otras actuaciones, orientadas cada vez mas por lecciones extraidas de la economia y las finanzas conductistas, pueden resultar mas eficaces y normalmente mucho menos costosas, lo cual nos ayuda a entender algunas de las diferencias de los resultados obtenidos en los diferentes paises. Todavia no sabemos hasta que punto es extrapolable la experiencia de los paises con ingresos altos hacia otras latitudes; es preciso realizar una evaluacion mucho mayor para poder alcanzar conclusiones definitivas.

Suggested Citation

  • Luis J. Carranza & Angel Melguizo & David Tuesta, 2012. "Aportaciones compartidas para pensiones en Colombia, Mexico y Peru: Experiencias y perspectivas," Working Papers 1234, BBVA Bank, Economic Research Department.
  • Handle: RePEc:bbv:wpaper:1234
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    References listed on IDEAS

    as
    1. F. Javier Morales & Sara G. Castellanos & Mariana A. Toran, 2012. "Analisis del uso de servicios financieros por parte de las empresas en Mexico. Que nos dice el Censo Economico 2009," Working Papers 1215, BBVA Bank, Economic Research Department.
    2. Javier Alonso & David Tuesta & Jasmina Bjeletic & Carlos Herrera & Soledad Hormazabal & Ivonne Ordonez & Carolina Romero, 2009. "Proyecciones del impacto de los fondos de pensiones en la inversion en infraestructura y el crecimiento en Latinoamerica," Working Papers 0921, BBVA Bank, Economic Research Department.
    3. Mariana A. Toran & F. Javier Morales & Sara G. Castellanos, 2012. "Analysis of the Use of Financial Services by Companies in Mexico: What does the 2009 Economic Census tell us?," Working Papers 1216, BBVA Bank, Economic Research Department.
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    Cited by:

    1. Angel de la Fuente, 2009. "A mixed splicing procedure for economic time series," Working Papers 415, Barcelona Graduate School of Economics.

    More about this item

    Keywords

    pensiones; aportaciones definidas; aportaciones compartidas; cobertura de pensiones; matching contributions;

    JEL classification:

    • F14 - International Economics - - Trade - - - Empirical Studies of Trade
    • F15 - International Economics - - Trade - - - Economic Integration
    • O53 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Asia including Middle East
    • O54 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Latin America; Caribbean
    • O57 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Comparative Studies of Countries

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