Pensiones

Publicado en La Segunda, 17.12.2024

Pensiones

Autor: Bastián Romero

Señor Director:

Por su naturaleza de largo plazo, los sistemas de pensiones deben evaluarse en el tiempo. Modificar nuestro sistema previsional para aumentar las pensiones de los actuales jubilados no debe hacerse en desmedro de las pensiones de los futuros jubilados.

El estudio sobre las tasas de reemplazo que este mismo Gobierno coordinó y publicó en enero de este año simuló distintos escenarios de distribución del 6% de cotización adicional: todo a reparto y cero a cuenta individual, todo a cuenta individual y cero a reparto, y combinaciones intermedias. Según las proyecciones de este estudio, para los jóvenes que entren a trabajar el próximo año —jubilándose en 2066— todos los escenarios que destinen algún porcentaje de la cotización a reparto serían perjudiciales porque resultarían en menores tasas de reemplazo. La única fórmula que resultaría en tasas de reemplazo más altas para esos jóvenes es la que destina la totalidad de la cotización a la cuenta individual.

Si elegimos el reparto hoy, en 40 años tendremos los mismos problemas y nuestros políticos volverán a buscar «acuerdos» que financien pensiones actuales en desmedro de las futuras. Llegar a un mal acuerdo hoy no zanja el tema pensiones, solo lo patea.

Las opiniones expresadas en esta publicación son de exclusiva responsabilidad del autor y no necesariamente representan las de Fundación para el Progreso, ni las de su Directorio, Senior Fellows u otros miembros.

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