December 2024
11Dec

Eficiencia y determinantes de los fondos de pensiones brasileños

Por Vanderléia de Souza da Silva, Keyla Ketlyn Passos Pimenta, Johan Hendrik Poker Junior, Márcio Marcelo Belli & Denise Rugani Topke Los fondos de pensiones contribuyen a la estabilidad macroeconómica de un país, su papel como inversores institucionales es el de protagonista en los mercados de las economías emergentes, como en el caso de Brasil. El estudio analiza la eficiencia operativa de las empresas de pensiones complementarias cerradas (EFPC) brasileñas entre 2015 y 2016, e identifica los factores que determinan...

December 11, 2024
Administración de Pensiones, Artículos, , ,
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11Dec

La educación financiera en El Salvador: presupuesto, ahorro, productos y servicios financieros

Por Maritza Yanira Linares García La educación financiera es importancia en la vida cotidiana de las personas y familias, permite tomar decisiones informadas y medidas efectivas para el bienestar financiero. Para el desarrollo de este artículo se utilizó la metodología cuantitativa, los resultados se obtuvieron de la base de datos de la Encuesta Nacional de Capacidades Financieras 2022. Entre los resultados se destaca que la mitad de la población salvadoreña lleva un control de los gastos mensuales, aunque esto no...

December 11, 2024
Ahorro, Artículos, , ,
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06Dec

Household Saving in Japan: The Past, Present, and Future

By Charles Yuji Horioka This paper explores the determinants of the level of, and trends over time in, Japan’s household saving rate, with emphasis on the impact of the age structure of the population, and makes projections about future trends therein. The paper finds that Japan’s household saving rate has not always been high either absolutely or relative to other countries and that it was only during the 1961-86 period that it exceeded 15%. Past and future trends in Japan’s...

December 6, 2024
Articles, Savings, ,
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06Dec

Fintech, Visual Attention, and Financial Inclusion: A Field Experiment on Migrant Remittances

By Eduardo Nakasone, Máximo Torero & Angelino Viceisza Migrant remittances are significant but remain relatively costly to send. Policymakers have argued that fintech, specifically, comparison websites like kayak.com but for sending money, can boost financial inclusion and reduce remittance prices. Yet, little is known about how migrants with limited education and trust in digital methods interact with fintech. We conduct a field experiment on a comparison website and vary remittance-company attributes shown to migrants, specifically, the time for delivery and...

December 6, 2024
Articles, System Characterization, , ,
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06Dec

Retirement Incentives and Decisions across the Income Distribution: Evidence in Canada

By Kevin S. Milligan & Tammy Schirle We evaluate the retirement incentives embedded in Canada’s retirement income system with attention to where individuals are located in the income distribution. We find that larger social security benefits are available to individuals with lower earnings in their work history because of the benefit income tests, but those from the top of the income distribution tend to enjoy longer lives over which they may receive benefits. Overall, we see greater Social Security Wealth...

December 6, 2024
Articles, Pension design, , ,
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04Dec

Pension Markets in Focus 2024

By Organisation for Economic Co-operation and Development Pension Markets in Focus provides detailed and comparable statistics on asset-backed pensions around the world. This publication aims to help policy makers, regulators and other stakeholders evaluate the design and operation of pension systems, and to support policy discussions through international comparisons. Pension Markets in Focus is published annually. A preliminary version is published in June based on initial data on selected variables, and the final version in the last quarter of the year based on...

December 4, 2024
Books, Books, Reports, System Characterization, ,
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04Dec

OECD Pensions Outlook 2024: Improving Asset-backed Pensions for Better Retirement Outcomes and More Resilient Pension Systems

By Organisation for Economic Co-operation and Development Over the past two decades, asset-backed pensions have become a key pillar of retirement systems, with assets more than tripling to over USD 56 trillion in 2023. These pensions diversify resources for financing retirement and complement pay-as-you-go systems, enhancing resilience to economic shocks and demographic challenges. Their robust design, regulation, and supervision are important for delivering strong retirement outcomes. The 2024 OECD Pensions Outlook provides a valuable resource for policymakers, regulators, and stakeholders, providing comprehensive analysis...

December 4, 2024
Books, Books, Pension design, Reports, , , ,
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04Dec

Consideraciones y propuestas para la expansión de la cobertura de pensiones entre los trabajadores independientes en el Perú

Por Noelia Bernal Lobato El presente documento busca situar el problema de la expansión de la cobertura entre los trabajadores independientes —una población con altos niveles de exclusión en la protección social contributiva— en el sistema de pensiones del Perú. Se proponen tres políticas para aumentar la participación de estos trabajadores: afiliación automática al sistema, reglamentación de pensiones sociales y difusión de pensiones proporcionales, junto con reformas administrativas y tecnológicas para mejorar dicha cobertura. Se plantea que estas políticas, además...

December 4, 2024
Artículos, Mercado Laboral, Mercado Laboral, , , ,
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04Dec

La importancia de la educación financiera en los jóvenes universitarios frente al retiro por vejez

Por Elizabeth García Espinoza, Gloria Araceli Navejas Juárez & Antonio Rosalío Rodríguez Berrelleza Este artículo tiene como objetivo identificar la importancia de incluir la educación financiera (EF) en el proceso de formación de los estudiantes de nivel universitario frente al retiro por vejez, ya que las pensiones que se obtendrán conforme al sistema de cuentas individuales resultan en una menor cuantía respecto a las del régimen anterior. Para ello, el diseño de esta investigación fue cualitativo, puesto que se consideró la...

December 4, 2024
Artículos, Sostenibilidad del Sistema, Sostenibilidad del Sistema, , ,
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November 2024
29Nov

Population Trends Across the Globe

By Anne Morse These population estimates and projections show population trends that are unique to some countries and others that represent broader global shifts. They also help the U.S. government and the public answer fundamental questions about the world’s people and places. Today, the Census Bureau published revised estimates and projections for 34 countries or areas. The updates incorporate new population data and changes in demographic trends. Get the report here

November 29, 2024
Aging, Books, Books, Reports, ,
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