Así serán las pensiones con Petro

Por: Juan Carlos Hurtado Fonseca

El Pacto Histórico plantea reformar el sistema para que haya complementariedad y no competencia entre Colpensiones y los fondos privados. De esta manera, se garantiza la pensión para quienes la tienen y un bono pensional para que el resto de adultos mayores salga de la pobreza

La reforma pensional que plantea el candidato Gustavo Petro es uno de los temas más polémicos en la actual contienda presidencial. Apenas dejó ver algunos de sus pormenores iniciaron las réplicas y los debates sobre la propuesta.

Fue así que, en debate televisado, el candidato explicó que del total de personas en edad de pensionarse, solamente alrededor de un 30% cuenta con pensión pagada por el Estado. Por consiguiente, el objetivo del sistema debe ser la pensión para quienes la tienen y un bono pensional para que el resto salga de la pobreza.

En términos generales, la idea es pasar a “un sistema de pensiones unificado mayoritariamente público, complementario no competitivo, que garantice el derecho fuera del negocio”, como lo expresa el plan de Gobierno del Pacto Histórico. Es decir, no se eliminarán los fondos privados, sino que estos se complementarán con la administradora del Estado: Colpensiones.

Gustavo Petro atentado: Gustavo Petro denuncia atentado en su contra y  suspende visita a Pereira | Pereira | Caracol Radio

De esta manera, se coadyuvará a los trabajadores de la economía popular y del cuidado, a las mujeres sin pensión y a quienes no pueden contribuir por sus bajos ingresos.

Para esto, el Pacto plantea un sistema público universal de pilares. En primer lugar, está el Pilar solidario básico que garantizará “un bono pensional no contributivo equivalente a medio salario mínimo para los hombres y mujeres adultos mayores que hoy día no tienen derecho a la pensión”.

Como segunda medida, se construirá el Pilar contributivo para que toda persona trabajadora, incluyendo las de mayores ingresos, coticen a Colpensiones una suma calculada sobre la base de uno a cuatro Salarios Mínimos, “lo que asegurará una pensión básica bajo el régimen de prima media”. Y, en tercer lugar, quienes tengan ingresos superiores a cuatro Salarios Mínimos decidirán donde cotizar el excedente. En este pilar participarán las Administradoras de Fondos de Pensiones.

Además, se respetarán las actuales pensiones, no se afectarán los derechos adquiridos, no se incrementará la edad ni se modificará la pensión de sobrevivencia para cónyuges, hijos con discapacidad, estudiantes y demás beneficiarios.

Observaciones de los detractores

Ahora bien, la propuesta se hace con base en las necesidades de la sociedad, en sugerencias del Banco Mundial y de expertos del país. No obstante, varios contradictores de la proposición han dicho que esta no es realizable ya que no se puede contar con los dineros de los fondos privados porque pertenecen a los afiliados, no son dineros públicos y se configuraría una expropiación.

Jorge Llano, exvicepresidente de Asofondos, respondió a la propuesta intentando mostrar las ventajas de los fondos privados sobre Colpensiones, y afirmó que del total de afiliados de Colpensiones el 90% no accederá a pensión por los requisitos exigidos. Por el contrario, en los fondos privados hay 18 millones de afiliados y se pensionará el 25%.

El economista Ricardo Bonilla desmiente a Llano asegurando que en Colpensiones se pensiona el doble de gente que la que lo hace en Asofondos. “En los fondos privados hay siete millones de cotizantes del último mes; en Colpensiones, dos millones 700 mil cotizantes del último mes. En Colpensiones hay millón y medio de pensionados de los cuales en 2021 ingresaron 62 mil personas. En los fondos privados, 247 mil pensionados, de los cuales el año pasado ingresaron 37 mil. Es decir, que en Colpensiones se pensiona el doble de gente que la que se pensiona en Asofondos”.

Ante el argumento de que se usará el dinero de los fondos privados para un bono pensional y que esto sería una expropiación, Bonilla aclara que no es cierto, que la plata de las cotizaciones es ahorro forzoso de destinación específica: “No se puede destinar a algo distinto que pagar pensión. Lo que significa que el subsidio debe salir de una reforma tributaria. El subsidio saldrá de impuestos y las pensiones de las cotizaciones”.

Por consiguiente, la reforma consiste en aplicar la propuesta del Banco Mundial, sobre el sistema de pilares en el que hay un régimen subsidiado que se paga con impuestos y uno contributivo que se cubre con cotizaciones.

“En el régimen, en el contributivo, actualmente es en competencia entre los fondos de capitalización y Colpensiones. La propuesta es que no compitan, sino que sean complementarios. Por estar compitiendo los afiliados están en los fondos y los pensionados en Colpensiones; quienes cotizan, la mayor proporción están en los fondos y un porcentaje menor en Colpensiones. Por lo tanto, para pagar pensiones Colpensiones utiliza lo que recauda en cotizaciones y el resto se lo tiene que pedir al Gobierno. Para que no tenga que pedirle al Gobierno, en el sistema de pilares lo que hoy se recauda como cotizaciones entre fondos privados y Colpensiones pagará perfectamente la nómina de los privados y el estatal. Así no tendrá el Gobierno que aportar plata”, argumenta Bonilla.

Más adultos, menos jóvenes

Por otra parte, desde Fedesarrollo se ha propuesto el aumento de la de pensión. Para el economista y analista Santiago Castaño Salas lo primordial es aumentar la cobertura, porque se busca que la pensión sea un derecho.

Asimismo, sobre la financiación o sostenibilidad de la reforma, Castaño aclara que para que la pensión sea un derecho en ningún país estas se cubren solo con cotizaciones, “siempre hay un gasto fiscal. De hecho, el gasto fiscal en Colpensiones es del 1,3 del PIB, mientras en otros países puede estar entre 8 y 10 puntos”.

Otro de los argumentos de los contradictores de la propuesta de reforma pensional, es que no es sostenible el sistema en el que se pagan pensiones a los adultos mayores con el dinero de los cotizantes jóvenes, “porque cada vez hay menos jóvenes y más adultos mayores. Vivimos más tiempo y estamos teniendo menos hijos. (…) Están tratando de eliminar el ahorro que es lo único que tenemos para pagar pensiones futuras y dejando una deuda para nuestros jóvenes del futuro donde nadie va a pagar por ellos, y quedan sin su ahorro porque no les permitieron ahorrar para su vejez”, argumenta el exvicepresidente de Asofondos, Jorge Llano.

Santiago Castaño responde que es falso que la propuesta del Pacto quiera eliminar el ahorro: “Se van a generar mecanismos que permitan acumular reservas o un ahorro que permita pensionar al resto de la sociedad, por lo que se plantea que los activos de los fondos privados no se usen para gasto de pensiones, sino que se mantengan como ahorro o fondo de amortiguación”

Para Ricardo Bonilla el razonamiento de Jorge Llano no es cierto, porque entre las mujeres que hoy tienen más de 47 años y hombres mayores de 52, es decir, que están en los 10 últimos años para acceder a una pensión, hay cuatro millones de colombianos, de los cuales solo está cotizando millón y medio, que son quienes se pensionarían en la próxima década.

“No necesariamente esa cantidad de gente se va a pensionar, porque está demostrado que solo lo consigue una cuarta parte. Por eso, de lo que se trata es de lograr condiciones para que más gente cotice, para que los que vienen detrás sigan cotizando y entonces las cotizaciones pagan las pensiones”, aduce el economista.

Es necesario aclarar que esta reforma va de la mano de una reforma tributaria y de una reforma laboral. Esta última tendrá entre sus objetivos que más colombianos accedan a empleo digno, formalización, estabilidad y lógicamente coticen al sistema pensional.

Asimismo, se debe incrementar la capacidad de demanda de los colombianos para lo cual se debe aumentar la oferta productiva. “Hoy la oferta productiva está restringida a la línea de energía y a las rentas financieras, que solo generan 600 mil puestos de trabajo de 25 millones de personas que buscan trabajo. Para que eso sea cierto hay que ampliar la base productiva industrial y de servicios inteligentes, no financieros”, concluye Ricardo Bonilla.

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  81. I know this if off topic but I’m looking into starting my own weblog and was curious what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100 positive. Any suggestions or advice would be greatly appreciated. Appreciate it

  82. Hey there! This is kind of off topic but I need some advice from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about creating my own but I’m not sure where to start. Do you have any ideas or suggestions? Cheers

  83. The other day, while I was at work, my sister stole my iphone and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!

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  89. Have you ever considered writing an e-book or guest authoring on other sites? I have a blog based on the same information you discuss and would love to have you share some stories/information. I know my visitors would appreciate your work. If you’re even remotely interested, feel free to send me an e mail.

  90. I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

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  94. Статья предлагает разнообразные точки зрения на тему, предоставляя читателям возможность рассмотреть различные аспекты проблемы.

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  96. Together with every thing which seems to be developing inside this particular subject matter, all your perspectives happen to be very radical. Having said that, I am sorry, but I do not give credence to your entire suggestion, all be it exciting none the less. It would seem to everybody that your comments are not completely rationalized and in fact you are your self not really thoroughly confident of the argument. In any case I did appreciate examining it.

  97. Superb blog you have here but I was wondering if you knew of any message boards that cover the same topics talked about in this article? I’d really love to be a part of group where I can get suggestions from other experienced individuals that share the same interest. If you have any recommendations, please let me know. Thanks!

  98. Hello! I could have sworn I’ve been to this blog before but after browsing through some of the post I realized it’s new to me. Anyways, I’m definitely happy I found it and I’ll be book-marking and checking back frequently!

  99. Greetings! This is my 1st comment here so I just wanted to give a quick shout out and say I really enjoy reading your posts. Can you recommend any other blogs/websites/forums that go over the same topics? Many thanks!

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  101. Hey there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding experience so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!

  102. naturally like your web-site but you have to check the spelling on quite a few of your posts. Many of them are rife with spelling problems and I find it very bothersome to tell the truth nevertheless I’ll certainly come back again.

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  106. Good V I should definitely pronounce, impressed with your site. I had no trouble navigating through all the tabs and related info ended up being truly simple to do to access. I recently found what I hoped for before you know it at all. Reasonably unusual. Is likely to appreciate it for those who add forums or anything, website theme . a tones way for your customer to communicate. Nice task..

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  111. I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

  112. hello there and thank you for your information – I’ve definitely picked up something new from right here. I did however expertise some technical points using this website, since I experienced to reload the website a lot of times previous to I could get it to load properly. I had been wondering if your web hosting is OK? Not that I am complaining, but sluggish loading instances times will sometimes affect your placement in google and can damage your high quality score if ads and marketing with Adwords. Well I am adding this RSS to my email and can look out for much more of your respective interesting content. Make sure you update this again soon..

  113. My partner and I absolutely love your blog and find nearly all of your post’s to be just what I’m looking for. can you offer guest writers to write content for you? I wouldn’t mind producing a post or elaborating on a lot of the subjects you write related to here. Again, awesome web log!

  114. certainly like your web site but you need to check the spelling on quite a few of your posts. Several of them are rife with spelling problems and I in finding it very bothersome to inform the reality on the other hand I will certainly come again again.

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  116. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

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  118. Just a smiling visitor here to share the love (:, btw outstanding design and style. «The price one pays for pursuing a profession, or calling, is an intimate knowledge of its ugly side.» by James Arthur Baldwin.

  119. Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

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  122. Having read this I thought it was very informative. I appreciate you taking the time and effort to put this article together. I once again find myself spending way to much time both reading and commenting. But so what, it was still worth it!

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  125. Having read this I thought it was very informative. I appreciate you taking the time and effort to put this article together. I once again find myself spending way to much time both reading and commenting. But so what, it was still worth it!

  126. Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

  127. Hi, Neat post. There is a problem with your site in internet explorer, would check this… IE still is the market leader and a huge portion of people will miss your excellent writing because of this problem.

  128. Simply wanna input on few general things, The website style and design is perfect, the subject matter is really good. «To imagine is everything, to know is nothing at all.» by Anatole France.

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  131. Hello there! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting fed up of WordPress because I’ve had problems with hackers and I’m looking at options for another platform. I would be awesome if you could point me in the direction of a good platform.

  132. Excellent read, I just passed this onto a colleague who was doing some research on that. And he just bought me lunch because I found it for him smile So let me rephrase that: Thanks for lunch! «Curiosity will conquer fear even more than bravery will.» by James Stephens.

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  135. Have you ever thought about adding a little bit more than just your articles? I mean, what you say is valuable and everything. Nevertheless think about if you added some great images or videos to give your posts more, «pop»! Your content is excellent but with images and videos, this site could certainly be one of the best in its field. Very good blog!

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