Examinando por Materia "FONDOS DE PENSIONES"
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Publicación Análisis de los fondos de pensiones obligatorias en el desarrollo y evolución del sistema financiero colombiano(Universidad EAFIT, 2019) Arcos Navarro, Viviana; Alegría, Caroline; Tellez Falla, Diego FernandoThe following work has as main objective to carry out an analysis of the role that pension funds have in the development and evolution of the Colombian capital market, as direct agents in the investment management of the different assets traded therein, helping the dynamism and Stability of our developing economy. It will begin with a brief account of what the pension system is in Colombia, mentioning its evolution and the turn it had since the creation of Law 1328 of 2009 that allowed the creation of Multifunds. Subsequently, the growth they had from 2009 to May 2019 is analyzed in parallel with the evolution of the capital market. Finally, the main tax reforms that had an impact on the funds and their contribution to the generation of savings and investment will be examined.Publicación Diseño e implementación de la estructura de riesgos para el proceso de inversión en una entidad sin ánimo de lucro: E.S.E. Hospital Nazareth Quinchía Risaralda(Universidad EAFIT, 2013) Arcila Duque, Luis Antonio; Henao Castaño, María VictoriaSe presenta una propuesta de inversión para instituciones sin ánimo de lucro en el cual se tiene en cuenta la estructura de riesgos, que abarca la definición del perfil del riesgo del inversionista, identificación de los excedentes reales susceptibles de ser invertidos y finalmente se analiza las diferentes opciones que ofrece el mercado según la rentabilidad esperada vs el riesgo que se asume, para esto se utilizan diferentes métodos partiendo de una estructura de riesgos lo que permite determinar la estrategia que más se acomode al perfil del inversionista -- El análisis se realiza tomando como marco de referencia una Empresa Social del Estado (E.S.E.), el Hospital Nazareth de Quinchía Risaralda, institución dedicada a la prestación de servicios de salud,a la comunidad en general, y cuyos excedentes han sido invertidos en entidades que ofrecen el mínimo riesgo -- La propuesta abarca el estudio de diferentes alternativas de inversión que incluyan entre otras, carteras colectivas, multifondos, TES y títulos de renta variable, lo cual permite analizar una amplia gama de opciones para tener la posibilidad de diversificar el portafolio, propuesta que se construye al final una vez se realizó el análisis de todas estas variables y se presentó la más recomendada para la institución en estudio, de manera que se cumpla con los requisitos establecidos por los estamentos de la Entidad y los directivos de la misma quienes finalmente tienen la potestad de tomar la decisión de invertir o no en el portafolio recomendadoPublicación Ejercicio de gobernanza para la protección de la vejez en Colombia a partir del programa Beneficios Económicos Periódicos-BEPS(Universidad EAFIT, 2018) Murillo Castañeda, María Paulina; Vargas Sáenz, Mario EnriqueÍtem Esquema multifondos en Colombia(Universidad EAFIT, 2009-10) Isaac Montoya, Lina Marcela; Sierra Mejía, Sebastián; Piedrahita Vargas, CamiloPublicación ETF como alternativa de inversión del ahorro pensional en Colombia(Universidad EAFIT, 2024) Sinitavé Escobar, Edison; Freixas, XavierThe general pension system in Colombia has not guaranteed the protection of the elderly and has favored the gaps of economic inequality in the population during old age. The increase in life expectancy added to the fall in birth rates weakens its sustainability. Given that the returns in real terms that private pension funds have obtained are not enough to compensate for management costs, it is proposed as an alternative for saving for old age that Colombians invest through the Colombian Stock Exchange in the CSPX ETF. With the Markowitz model, the frontier of efficient portfolios is built, made up of the CSPX ETF and the 10-year Colombian State TES indexed to the Real Value Unit. By selecting efficient portfolios that are equivalent in risk to each of the different types of mandatory pension funds, it is concluded that these portfolios would create a higher real return net of commissions and insurance in the long term, which provides greater economic protection for old age.Publicación Evaluación de factores de riesgo en portafolios de inversión del Régimen de Pensión de Ahorro Individual en Colombia(Universidad EAFIT, 2015) Merchán Barrios, Francisco de Jesús; Uribe de Correa, Beatríz Amparo; Torres Oke, SebastiánEn el Sistema General de Pensiones de Colombia (SGP) existen dos regímenes de pensión: El Régimen de Prima Media con Prestación Definida (RPM) y el Régimen de Ahorro Individual con Solidaridad (RAIS), ambos con sus características propias -- El autor tiene como objetivo principal, plantear bajo la luz del riesgo en portafolios, la problemática que enfrentan la mayoría de los trabajadores, quienes en un completo “analfabetismo financiero” deben tomar decisiones de inversión, que incluso para los grandes economistas y estudiosos de las finanzas resultan todo un reto dada la presencia de factores que generan gran incertidumbre, tanto en Colombia como en el mundo entero -- Para hacer más complejo el tema del riesgo, los trabajadores se enfrentan a un régimen de pensiones frágil, tanto en su estructura legal, como en la financiera -- Un régimen de pensiones que ha demostrado a lo largo de los últimos 20 años una ineficiencia, que se ha intentado remediar a través de diferentes reformas -- El tema de pensiones y sus alternativas de inversión es tan complejo que el panorama mundial, no es muy halagador, inclusive en países, como Chile y México que iniciaron la transformación de los sistemas de pensión desde hace veinticinco años y cuyos fondos de pensiones arrojaron “pérdidas”, hasta del 30%, como en el caso de Chile, en la pasada crisis financiera de 2008 -- Pérdidas no propiamente para los fondos (AFP), sino para los trabajadores que ven reducidas las mesadas que soportarán su bienestar y el de su familia -- Los diferentes autores de escritos sobre este tema han manifestado la necesidad de que los gobiernos tomen una mayor responsabilidad en la definición de las estrategias de inversión de largo plazo para los fondos de pensiones -- El Estado deja a los cotizantes sujetos a la incertidumbre del día-día, la cual disminuye el desempeño total y puede afectar la viabilidad de largo plazo del sistema pensionalÍtem Fondos obligatorios de pensiones : ¿qué se tiene hoy con el régimen de inversiones y cómo ha evolucionado?(Universidad EAFIT, 2022) Ojeda Ramírez, Mitchell Valeria; Restrepo Ortega, Isabel; Restrepo Giraldo, Andrés MauricioTaking into account that in Colombia there are two types of pension systems, a private one, represented by the individual savings pension funds, and a public one, managed by Colpensiones. This thesis consists of a descriptive and informative work on the former, where the emphasis is placed on how they contribute to the social development of the country, beyond an individualistic conception that may be tied to the benefits of social security. The study starts from its origin, history, and the way it operates nowadays with the changes and legal regulations that have been developed. Therefore, as this thesis finds its cornerstone in the individual savings system, especially in the development of the pension fund investment system, in addition to the benefits that these have brought to the country, a complete analysis of the regulations that cover this system will be presented. On the other hand, each of the regulatory decrees that have given life to the pension investment regime will be observed, starting with Law 100 of 1993, up to the most recent decree that introduced substantial changes in the way private funds make their investments; therefore, obtain returns for the affiliates. In this way, the work will focus on understanding the forms of investment, the different risk profiles, the creation of the multifunds, the evolution of the scheme, and its challenges. Finally, considerations will be presented on whether this scheme has been successful and beneficial for the country's development.Publicación Impacto de la reforma pensional aprobada en el año 2024 en el multifondo moderado administrado por un fondo de pensiones y cesantías(Universidad EAFIT, 2024) Ballesteros Hernández , Xiomara; Zuñiga Gómez, Juan Camilo; Carfona Llano, Juan FelipeÍtem Ineficacia en el traslado de regímenes pensionales(Universidad EAFIT, 2021) Patiño Loaiza, Nathalia; Gómez Aguirre, Valentina; Múnera Posada, ArmandoThe research that is developed in the following monograph thesis is presents the legal figure of the ineffectiveness of transfer in pension regimes, for this a balance is made of compliance with the duty of information on the part of the pension fund administrators. Likewise the scope of the omission of the duty information to the affiliates in the general pension system is exposed and the relevance of the requirement of double counseling is determined. Having as objective the knowledge of the benefits and/or affectations that the declaration of the ineffectiveness of the transfer generates to the contributors who seek to return to the initial pension scheme.Ítem La ineficacia, la responsabilidad estatal y el resarcimiento de perjuicios extrapatrimoniales como consecuencias de la omisión al deber de información al momento de la afiliación o traslado de régimen pensional(Universidad EAFIT, 2020) Rios Lopera, Daniela; Múnera Posada, ArmandoThe affiliation and transfer of regime by the affiliate must be free and spontaneous, which implies a duty of information by the Pension Funds since it is necessary that the person knows thoroughly the consequences of said decision could bring. The foul of this duty entails the void of the transfer made under such transgression, for the purpose of this one can be done again in due form. Thereby, it is necessary to determine which the legal liability of the different actors Pension System is, from the Pension Funds to the Superintendencia Financiera de Colombia, entity in charge of the supervision of the whole system. In the latter instance, it could be establish a State Liability in case there is an omission by said entity that might be sued for negligence.Publicación Los límites de inversión y asignación de capital determinados por la Ley 100 para el R.A.I.S. ¿contribuyen a la maximización de la mesada pensional del cotizante?(Universidad EAFIT, 2024) Hill Donadio, Martín; Colorado González, José AdolfoColombian legislation in Law 100 Decree 2955 of 2010 establishes the regulations under which Pension Fund Administrators (PFAs) must govern the investment of contributors' resources to the Individual Savings with Solidarity Regime (ISSR). This regime may or may not be optimal or efficient, considering that the challenge is to achieve the maximization of pension payments for contributors, closing the income gap between their active life and the pension period. Some contributors may not even attain a pension payment. In contributing to the expansion of pension coverage in the country, it is essential to ask: Is a law that is rigid regarding capital allocation, without flexibility to adapt to changing market conditions over time, appropriate?Publicación Medidas de desempeño para los portafolios de inversión del fondo de pensiones voluntarias Colseguros(Universidad EAFIT, 2022) Miranda Carranza, Cindy Nathalia; Rodríguez Delgado, Carlos Germán; Botero Ramírez, Juan CarlosÍtem Metodología para el diseño, desarrollo e implementación de un servicio de TIC(Universidad EAFIT, 2019) Sánchez Garrido, Esther Sofía; Rincón Bermúdez, Rafael DavidIn this document, the proposed methodology for the design, development and implementation of ICT services, applied to new services or adjustments of current services implemented in the area of Customer Channel Administrator of Pension Funds and Severance Protection for the Internet Channel. This methodology is implemented to optimize each of the steps to be executed during the stages of Survey, Planning, Design, Development and Dissemination of these services, since a good survey of requirements is critical to the success of a service quality avoid future rework or adjustments.Publicación Multifondos de pensiones obligatorias en Colombia : un análisis de la gestión de riesgos(Universidad EAFIT, 2021) Aponte Ruiz, Isis Mar; Téllez Falla, Diego FernandoÍtem Pay as you go system versus Fully funded pension in Peru(Universidad EAFIT, 2013-06-30) Guillén, Jorge B.; Mosqueda, Ruben; ESAN; Tecnológico de MonterreyÍtem Pensión Familiar(Universidad EAFIT, 2013) Gómez Arias, Sara; Gómez Arias, Susana Carolina; Restrepo García, José GabrielPublicación Plataforma de aprendizaje y vinculación de planeación financiera, tributaria y pensional, para usuarios de fondos de pensiones(Universidad EAFIT, 2019) Arias Aguilera, Héctor Fabio; Ordoñez Giraldo, Lina Marcela; Orozco Echeverry, César AugustoCurrently, some Colombians make the wrong decisions when it comes to moving the pension system, and this can represent not only a loss of money but also the right to a pension. These decisions in most cases are based on false information, which is why there are concerned in the pension fund managers (AFPs). Parallel to this situation, the millennial generation segment (people born between 1983 and 1994) is not interested in saving for their pension and have an absolute ignorance on issues related to pension funds. Therefore, it is important to find a strategy that motivates millennials to know this sector. In the present paper the millennial generation is explored, with the purpose to develop a learning tool that unites a tax, financial and pension planning, in the framework of innovation and the new financial industry fintech (financial technology), that enables users to make sound decisions in order to have an economic well-being. The research was addressed through a field work that included individual interviews, focus groups and consultations with experts from the pension sector and the fintech industry.Publicación Portafolios de inversión ofrecidos por los fondos de pensiones, otra alternativa de Wealth Management(Universidad EAFIT, 2018) Sepúlveda Moreno, Katherine; Barón Zuluaga, Mario AlejandroDue to the economic development that has been generating the accumulation of wealth in families, the need has arisen for the management of surpluses and professional financial planning that contributes to better decision-making and patrimonial growth -- This is why this degree work aims to identify whether the portfolios offered by pension funds can be considered as another Wealth Management alternative, for which the Colombian Pension System will be identified, the current situation of the pension funds that are administered by the AFP Pension Fund Management Companies will evaluate the returns offered by these entities to their clients and will review how the AFP invest their resources to obtain returnsPublicación Riesgos para el futuro de las Administradoras de Riesgos Laborales (ARL) generados por las variables motivacionales y el comportamiento laboral de la generación Z(Universidad EAFIT, 2020) Galeano Ramírez, José Fernando; Gutiérrez Zuluaga, Juliana; Maya Mejía, José MaríaAbstract The objective of this research project is to determine the risks of the Workers Compensation Insurance (WCI) future, generated by the motivational variables and the labor behavior of the Z generation. In order to deeply understand the impact of this generation in the risk analysis, this report brings together and analyzes the general information of the Z generation from the literature, and some specific cases of people who are part of it. Based on the above information, the Workers Compensation Insurance can identify whether current risk intervention strategies are appropriate for their management or, on the other hand, reformulate new models to generate good performance through prevention, as well as elements that allow them to have tools to manage the impact of the Z generation on competitiveness and sustainability. The proposed methodology considers a qualitative approach and a descriptive scope, taking 14 participating subjects as a sample: twelve young people of the Z generation, a professional in risk prevention and a manager of a WCI. The results show that mitigating the risks for the future of WCIs depends on developing studies and prevention programs for occupational diseases associated with mental health that increase with technology use. In addition, it is necessary for companies to align their interests with those of the Z generation, such as schedule flexibility, teamwork, and the possibility of promotion, among others.Publicación Valoración de la garantía de pensión en las cuentas de ahorro individual en Colombia(Universidad EAFIT, 2009) Restrepo Laverde, José Valentín Antonio; Gutiérrez Betancur, Juan CarlosThe behavior of the individual as a person who contributes, and as the future beneficiary of a pension, is a determining factor to quantify the effects that his or her density has on the individual savings system and on the ability to demand the different guarantees -- That is why the objective of this work is to seek a view based on personal finance other than what has been presented in different studies in this field carried out not only in Colombia but at the international level, and to provide an approach to a solution for the problem of sustainability in retirement