Examinando por Materia "Sistema pensional colombiano"

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    Determinantes sociodemográficos de la cotización a pensión : estudio de caso para Colombia, Chile, México y Perú
    (Universidad EAFIT, 2022) Toro Zuluaga, Gregorio; Cardona López, Juan José; Chaparro Cardona, Juan Camilo
    This study aims to establish how sociodemographic determinants affect the probability of contributing to a pension in Colombia, Chile, Mexico and Peru, using logit and multinomial logit models. Likewise, it concludes that solving the structural problems of the labor markets will result in greater probabilities of contribution, regardless of the pension system. Therefore, it highlights the importance of increasing coverage in education, reducing school dropouts and encouraging formalization, mainly for independent workers or those that are self-employed, with the aim of increasing the likelihood of these individuals to contribute to the pension scheme, and thus guarantee its sustainability.
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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.