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El Nuevo Sistema de Pensiones Sueco de Cuentas Individuales Capitalizadas

Author

Listed:
  • Edward Palmer

    (Studies Division, Chilean Pension Supervisor)

Abstract

En una serie de medidas adoptadas durante la década de 1990, Suecia transformó su sistema de pensiones con dos niveles de beneficios definidos por leyes en una combinación de tres partes: una pensión mínima financiada con ingresos tributarios generales, un plan de cuentas imaginarias financiado por reparto (CIR), y otro plan de cuentas individuales capitalizadas de contribución definida (CIC). Hasta la fecha el debate público en Suecia se ha concentrado en la cantidad extremadamente alta de fondos mutuos donde los afiliados deben elegir, y en si la gente cuenta o no con datos suficientes para adoptar decisiones informadas. También se ha debatido sobre el costo administrativo del sistema sueco, que es relativamente alto cuando se expresa como porcentaje del volumen de recursos administrados. Sin embargo, los costos administrativos son ínfimos en relación al salario imponible..

Suggested Citation

  • Edward Palmer, 2006. "El Nuevo Sistema de Pensiones Sueco de Cuentas Individuales Capitalizadas," Working Papers 15, Superintendencia de Pensiones, revised Oct 2006.
    • Handle: RePEc:sdp:sdpwps:15
    as

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    File URL: https://repec.spensiones.cl/repec/3_doctrabajos/15_2006_sistema_pensiones_sueco.pdf
    File Function: Revised version, 2006
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    References listed on IDEAS

    as
    1. Diamond, Peter A., 2002. "Social Security Reform," OUP Catalogue, Oxford University Press, number 9780199247899, Decembrie.
    2. Taylor, Michael & Fleming, Alex, 1999. "Integrated financial supervision : lessons of Northern European experience," Policy Research Working Paper Series 2223, The World Bank.
    3. Engström, Stefan & Westerberg, Anna, 2003. "Which individuals make active investment decisions in the new Swedish pension system?," Journal of Pension Economics and Finance, Cambridge University Press, vol. 2(3), pages 225-245, November.
    Full references (including those not matched with items on IDEAS)

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