Importancia de la información en el traslado de regímenes pensionales en Colombia
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Fecha
2023
Autores
González Sarabia, Carmen Amelia
Alvarado Yanes, Erika Patricia
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Ediciones Universidad Simón Bolívar
Facultad de Ciencias Jurídicas y Sociales
Facultad de Ciencias Jurídicas y Sociales
Resumen
Actualmente, la información desempeña un papel esencial en el traslado de regímenes pensionales en Colombia, fomenta la transparencia y la confianza en el sistema pensional, creando un entorno propicio. El traslado de los regímenes de pensiones puede ser ineficaz debido a la complejidad y falta de transparencia del proceso, los costos adicionales involucrados, los rendimientos de inversión inferiores, la pérdida de beneficios y los riesgos legislativos y regulatorios. Antes de tomar la decisión de trasladarse a otro régimen, es importante que los individuos investiguen y consideren cuidadosamente todos estos factores para tomar la mejor decisión para su futuro financiero, debido a que existen ciertas condiciones y requisitos que deben cumplirse para realizar el traslado y no todas las situaciones están contempladas en la normativa, este proyecto investigativo busca identificar de manera clara y concisa de qué trata el deber de informar de lado de las AFP’s hacia los afiliados.
At present, information plays an essential role in the transfer of pension regimes in Colombia, promotes transparency and trust in the pension system, creating an enabling environment. Transferring pension schemes can be inefficient due to the complexity and lack of transparency of the process, the additional costs involved, lower investment returns, loss of benefits, and legislative and regulatory risks. Before making the decision to transfer to another scheme, it is important that individuals investigate and carefully consider all these factors to make the best decision for their financial future, because there are certain conditions and requirements that must be met to make the transfer and not all situations are covered by the regulations, this research project seeks to identify clearly and concisely what the duty to inform on the side of the AFP's towards the affiliates is about.
At present, information plays an essential role in the transfer of pension regimes in Colombia, promotes transparency and trust in the pension system, creating an enabling environment. Transferring pension schemes can be inefficient due to the complexity and lack of transparency of the process, the additional costs involved, lower investment returns, loss of benefits, and legislative and regulatory risks. Before making the decision to transfer to another scheme, it is important that individuals investigate and carefully consider all these factors to make the best decision for their financial future, because there are certain conditions and requirements that must be met to make the transfer and not all situations are covered by the regulations, this research project seeks to identify clearly and concisely what the duty to inform on the side of the AFP's towards the affiliates is about.
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Palabras clave
Ahorro individual, Afiliados, Fondos privados, Información, Nulidad, Régimen, Seguridad social, Individual savings, Affiliates, Ineffectiveness, Information, Private funds, Invalidity, Scheme, Social security
