Ahorro para tener una pensión mínima en Colombia subiría de $350 a $450 millones por cambio de decreto de MinHacienda
Hay una preocupación creciente por el borrador de decreto del Ministerio de Hacienda, que modificaría las reglas del deslizamiento del salario mínimo ...
TL;DR
- A draft decree from the Ministry of Finance could make it harder and more expensive for workers to retire under the Individual Savings Regime (RAIS).
- Asofondos, a trade association, estimates that a person would need to save an additional $100 million (equivalent to about 10 years of contributions) to fund a minimum wage pension.
- The proposed changes aim to reduce fiscal costs associated with the minimum wage's "sliding" increase, which occurs when the minimum wage grows above inflation and productivity.
- Asofondos warns that the decree could result in fewer people retiring, potentially endanger disability, incapacity, and survival coverage, and lead to lower pensions for those earning more than the minimum wage.
- The government argues the current model is unsustainable due to the unpredictable and costly gap created by the minimum wage consistently growing faster than inflation.
- The decree's indirect impact on Colpensiones, the public pension fund, could increase its pension liabilities, affecting taxpayers in the future.
- Asofondos and Fasecolda have requested technical meetings to assess the decree's impact and prevent a loss of pension protection for millions of Colombians.