Valor presente de las pensiones en el régimen de prima media de Colombia

Fabio Gómez (), Jaime A. Londoño () and Andrés M. Villegas ()

Revista Cuadernos de Economia, 2019, vol. 38, issue 76, 173-206

Abstract: Utilizamos un modelo de simulación para analizar el nivel de inequidad del Régimen de Prima Media (RPM) Colombiano usando un enfoque de valor presente de aportes y beneficios. También proponemos un sistema pensional alternativo basado en el principio de ``contribución compartida''. Consecuencias de este nuevo sistema son aumentos en la proporción de individuos que obtienen pensiones con al menos un salario mínimo. Adicionalmente, se obtiene menor variabilidad en el valor presente de las pensiones cuando los empleados entran a la fuerza laboral, y una transferencia significativa de subsidios hacia sectores medios y bajos de la población. ***** We take a simulation approach to study the Public-defined Benefit Plan (Regimen de Prima Media) in Colombia using a Present Value method of benefits and contributions. We also propose a Pension scheme with Matching Contributions. Some consequences of this new regime are an increment for the proportion of people that achieved a minimal salary as their pension, less variability in the expected amount of the present value of the difference between benefits and contributions, as well a significant transfer of wealth to wealth to middle- and lower-income classes.

Keywords: Pensión; Contribución Compartida; Valor Presente; Régimen de Prima Media; Pension; Matching Contributions; Present Value; Public defined benefit Plan (search for similar items in EconPapers)
JEL-codes: G22 H55 J26 (search for similar items in EconPapers)
Date: 2019
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Persistent link: https://EconPapers.repec.org/RePEc:col:000093:017474

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