Examinando por Materia "Fondos generacionales"

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    La reforma pensional en Colombia : evaluación de la transición de multifondos a fondos generacionales
    (Universidad EAFIT, 2026-04) Ocampo Montoya, Yuliana; Suárez Cuadros, Marko Alexander; Verdugo Rodríguez, Germán Roberto
    This article evaluates the performance of generational funds with differentiated investment trajectories compared to the current multi-fund scheme of the Colombian pension system, within the framework of the reform introduced by Law 2381 of 2024. To this end, a simulation model was developed in Python that compares four portfolios—Conservative, Moderate, High-Risk, and Generational—for a contributor with a salary equivalent to 3.5 times the monthly minimum wage, using historical data (2015-2025) and thirty-year projections, complemented by Monte Carlo simulations. The results indicate that the Generational portfolio achieves greater net worth than the Moderate and Conservative funds, while reducing the dispersion of returns by 49% compared to the High-Risk fund. Furthermore, the analysis reveals that the retirement age gap between men and women generates a difference in net worth of between 22% and 31%, demonstrating a structural gender disadvantage in the system.