Examinando por Materia "Brecha pensional"

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    Estructuración de un modelo de planeación financiera para un ahorrador que busca cerrar su brecha pensional
    (Universidad EAFIT, 2018) García Martínez, Juan Carlos; Daraviña Arango, Marco Antonio; Trespalacios Carrasquilla, Alfredo
    The importance of saving through financial planning has been highlighted in the economic literature, taking as a reference the theory of the life cycle of Modigliani («Teoría del Ciclo de Vida, de Franco Modigliani», s. f.), which tries to model the consumption habits of people throughout their life; However, given that income is not constant, individuals must take different actions to reduce the impacts on their consumption and its consequences in the long term -- Governments have established compulsory savings schemes such as pension systems, which allow for an income in the retirement stage; however, these pension systems around the world have undergone several reforms in recent years in order to be able to cope with global demographic challenges, as well as greater financial and investment risks -- Currently, the costs and risks of financing retirement fall more heavily on individuals and their families, therefore, in order to maintain a stable purchasing power during the retirement phase, it is essential to structure a financial planning model that allows an average saver with savings capacity to know what their pension gap is, understood as "the difference between the income of a worker when he is contributing to pensions and the amount he receives when he is pensioned" (Cali, nd) -- This model will allow the development of a strategy of accumulation of surplus liquidity and the way in which these surpluses invested in financial products of the Colombian market become economic flows that the saver may subsequently de-accumulate for their enjoyment during retirement without affecting their quality of life