BBVA Mi jubilación - Fondo documental

The world faces a set of risks that feel both wholly new and eerily familiar. The Global Risks Report 2023 explores some of the most severe risks we may face over the next decade. As we stand on the edge of a low-growth and low-cooperation era, tougher trade-offs risk eroding climate action, human development and future resilience.

En su búsqueda de la sostenibilidad de sus sistemas públicos de pensiones, tanto las reformas paramétricas graduales (cambios en la edad de jubilación, los tipos de cotización o los criterios de revalorización) como las reformas estructurales (cuentas nocionales o autoenrolment al sistema de pensiones de empleo) han sido utilizadas por los países avanzados para responder a los aumentos sistemáticos de la esperanza de vida y los correspondientes aumentos de las tasas de dependencia de las personas de edad. Estos ajustes se han dado en escenarios de bajo crecimiento de la productividad, cambios acelerados en los mercados de trabajo, cambios en los tipos de interés y cambios regulatorios

In the search for the sustainability of public pension systems, both, gradual parametric reforms (changes in retirement age, contribution rates or revaluation adjustments) and systemic reforms (NDC schemes) have been the main strategies as high-income countries have responded to continuous longevity increases, below replacement level fertility, and the corresponding upward trend in old-age dependency ratios. All this has also happened in low productivity gains and economic growth, rapidly shifting labor markets, changing interest rates and regulatory reforms scenarios.

To help countries to improve asset-backed pension systems and build people’s trust that their best interest is considered, the present edition of the OECD Pensions Outlook provides a series of recommendations on how to introduce, develop and strengthen asset-backed pension arrangements, the role that employers can play in the development of these arrangements, how fees can be charged to protect retirement assets and align them with the cost of the services provided, how to ensure the appropriateness of mortality assumptions, and the design and introduction of non-guaranteed lifetime retirement income arrangements.

El sistema público de pensiones es un pilar básico del Estado de bienestar en Europa. Son viables y sostenibles siempre que se adapten a los continuos cambios económicos, sociales y demográficos que experimentan las sociedades. El reto es encontrar el equilibrio apropiado ante cambios continuos del sistema.

Pension plans are facing challenges not seen in the global economy in decades as they feel the effects of the pandemic, global conflicts, supply chain disruptions and a reversal of the trend toward globalization. These developments have brought higher levels of inflation, rising interest rates and greater uncertainty in economic conditions, while life expectancies continue to rise and populations age. All these pressures are occurring at a time when individuals are taking on more responsibility as the prevalence of defined contribution (DC) arrangements continue to increase around the world.