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Ahorro e inversión para la vejez

Author

Listed:
  • Leonardo Villar
  • David Forero
  • Carmen Elisa Flórez
  • Nadia Puerta
  • Erika Enríquez
  • Natalia Valencia-López
  • Juan Pablo Alzate

Abstract

En este capítulo se analizan los mecanismos de ahorro e inversión en la población mayor en Colombia, y complementa el análisis con la teoría y las evidencias empíricas encontradas en la literatura económica sobre el tema. Incluye también los resultados del trabajo de campo cualitativo de los grupos focales realizados en Narino, Cundinamarca y Córdoba. Este capítulo está compuesto por cinco partes, incluida esta introducción. En la siguiente sección se hace un repaso de la teoría del ciclo de vida y de lo que se espera que pase con la tasa de ahorro de un individuo al llegar a la vejez. En la tercera sección se examina el sistema de ahorro pensional voluntario en Colombia, su cobertura y alcance, y se examinan las experiencias de sistemas similares en otros países de América Latina. En la cuarta parte se analiza el concepto de ahorro en activos como mecanismo de protección para la vejez, y se hace una revisión de la literatura sobre el ahorro y de los resultados que arroja para Colombia. El capítulo finaliza con una caracterización de los activos acumulados por las personas mayores y otros grupos etarios próximos a la vejez mediante encuestas a los hogares, con lo que se pretende ofrecer una fotografía del ahorro en Colombia y su asociación con las características socioeconómicas de los hogares en el país.

Suggested Citation

  • Leonardo Villar & David Forero & Carmen Elisa Flórez & Nadia Puerta & Erika Enríquez & Natalia Valencia-López & Juan Pablo Alzate, 2015. "Ahorro e inversión para la vejez," Informes de Investigación 13897, Fedesarrollo.
    • Handle: RePEc:col:000124:013897
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    References listed on IDEAS

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    1. Ligia Melo B. & Juana Téllez C. & Héctor Zárate S., 2006. "El ahorro de los hogares en Colombia," Revista ESPE - Ensayos sobre Política Económica, Banco de la Republica de Colombia, vol. 24(52), pages 110-161, December.
    2. Banks, James & Blundell, Richard & Tanner, Sarah, 1998. "Is There a Retirement-Savings Puzzle?," American Economic Review, American Economic Association, vol. 88(4), pages 769-788, September.
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    7. Guataqui, Juan Carlos & García-Suaza, Andrés Felipe & Rodríguez-Acosta, Mauricio, 2009. "Ahorro para el retiro en Colombia: patrones y determinantes," Documentos de Trabajo 5792, Universidad del Rosario.
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    More about this item

    Keywords

    Ahorros; Inversiones; Vejez; Envejecimiento de la Población; Protección Social; Colombia;
    All these keywords.

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • E22 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Investment; Capital; Intangible Capital; Capacity
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
    • J11 - Labor and Demographic Economics - - Demographic Economics - - - Demographic Trends, Macroeconomic Effects, and Forecasts
    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
    • J18 - Labor and Demographic Economics - - Demographic Economics - - - Public Policy
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies

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