{"id":169,"date":"2026-03-24T13:58:07","date_gmt":"2026-03-24T18:58:07","guid":{"rendered":"https:\/\/multisite.grupoelcolombiano.com\/hagamos-cuentas\/?p=169"},"modified":"2026-04-21T15:07:26","modified_gmt":"2026-04-21T20:07:26","slug":"el-precio-del-paso-del-tiempo","status":"publish","type":"post","link":"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/2026\/03\/24\/el-precio-del-paso-del-tiempo\/","title":{"rendered":"El precio del paso del tiempo\u00a0"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"169\" class=\"elementor elementor-169\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7713b772 e-flex e-con-boxed e-con e-parent\" data-id=\"7713b772\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-438fe6b e-flex e-con-boxed e-con e-child\" data-id=\"438fe6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56328cdf elementor-widget elementor-widget-text-editor\" data-id=\"56328cdf\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"title\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El precio<strong> del <\/strong><br \/><strong>paso del tiempo<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-295ae11f extracto elementor-widget elementor-widget-text-editor\" data-id=\"295ae11f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>El tema pensional se ha vuelto una preocupaci\u00f3n permanente; el envejecimiento de la poblaci\u00f3n y una mayor esperanza de vida nos cuestionan sobre el futuro del sistema.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17cc9be9 elementor-widget elementor-widget-text-editor\" data-id=\"17cc9be9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Por Duglas Balb\u00edn V<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fcee03e elementor-widget elementor-widget-text-editor\" data-id=\"4fcee03e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En Colombia contamos con dos reg\u00edmenes de pensi\u00f3n: el r\u00e9gimen de prima media con prestaci\u00f3n definida (RPM), administrado por Colpensiones, y el r\u00e9gimen de ahorro individual con Solidaridad (RAIS), creado en 1994 y administrado por los fondos privados. Los costos que implica y el envejecimiento de la poblaci\u00f3n han llevado a que desde hace varios a\u00f1os se hable de la necesidad de replantear el sistema actual.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7701e634 elementor-widget elementor-widget-text-editor\" data-id=\"7701e634\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u201cLas pensiones son muy costosas\u201d, dice el vicepresidente t\u00e9cnico de la Asociaci\u00f3n Colombiana de Empresas de Medicina Integral (Acemi), Mario Fernando Cruz, y por esa raz\u00f3n insiste en que el ahorro debe ser la base de los sistemas pensionales para garantizar la sostenibilidad, el derecho a pensi\u00f3n, calidad de vida y dignidad en la adultez.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fe82fc9 elementor-widget elementor-widget-text-editor\" data-id=\"4fe82fc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Y es que, a pesos de hoy, en Colombia una pensi\u00f3n de salario m\u00ednimo en el r\u00e9gimen de prima media con prestaci\u00f3n definida requiere un subsidio entre $50 millones y $383 millones, seg\u00fan calcula Juan Carlos Guti\u00e9rrez, profesor de la Maestr\u00eda en Finanzas de EAFIT.<\/p><p>Para Juan Camilo Chaparro Cardona, profesor de la Escuela de Finanzas, Econom\u00eda y Gobierno, el RPM no tiene en cuenta los cambios dr\u00e1sticos en la demograf\u00eda (menor natalidad y mayor esperanza de vida), y \u201ces muy distinto un sistema de reparto (RPM) cuando hay muchos j\u00f3venes y pocos adultos mayores\u201d.<\/p><p>Por su parte, Daniel Wills, vicepresidente t\u00e9cnico de Asofondos, afirma que por los desaf\u00edos demogr\u00e1ficos los sistemas de pensiones se deben adaptar para darle mayor peso al ahorro y menor a la solidaridad intergeneracional, porque eso garantiza la seguridad financiera de las generaciones futuras. En el r\u00e9gimen de ahorro individual con solidaridad, la pensi\u00f3n depende del ahorro y los ren-dimientos. \u00bfC\u00f3mo es nuestro sistema pensional? \u00bfCu\u00e1l es el reto demogr\u00e1fico? \u00bfPor qu\u00e9 debe fundamentarse en el ahorro? Algunas respuestas, en los siguientes datos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79d54c5e elementor-widget elementor-widget-text-editor\" data-id=\"79d54c5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fuentes: BID, OCDE, Cepal, Dane, Banco Mundial, Asofondos, Instituto CFA, Asociaci\u00f3n Internacional de la Seguridad Social (ISSA), ONU DAES (Departamento de Asuntos Econ\u00f3micos y Sociales).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-741cc6de e-flex e-con-boxed e-con e-parent\" data-id=\"741cc6de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51e2275a e-flex e-con-boxed e-con e-child\" data-id=\"51e2275a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14f4ae65 e-flex e-con-boxed e-con e-child\" data-id=\"14f4ae65\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3667fa46 elementor-widget elementor-widget-text-editor\" data-id=\"3667fa46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u201cLa evidencia en Colombia indica que menos mujeres que hombres se pensionan debido a que la densidad de cotizaci\u00f3n resulta menor\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5695f34f elementor-widget elementor-widget-text-editor\" data-id=\"5695f34f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Juan Carlos Guti\u00e9rrez <br \/>Profesor del \u00e1rea de Macroeconom\u00eda y Sistemas Financieros de EAFIT<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6441f04d e-con-full e-flex e-con e-parent\" data-id=\"6441f04d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35bf6584 e-con-full e-flex e-con e-parent\" data-id=\"35bf6584\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-272c52f3 e-flex e-con-boxed e-con e-child\" data-id=\"272c52f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-12b2a382 e-flex e-con-boxed e-con e-child\" data-id=\"12b2a382\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4097aa17 elementor-widget elementor-widget-text-editor\" data-id=\"4097aa17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"white-space: pre-wrap;\">\u201cEl sistema actual no est\u00e1 basado en el ahorro y no tiene en cuenta los cambios tan dr\u00e1sticos que se dan en la demograf\u00eda de una sociedad\u201d.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b38761e elementor-widget elementor-widget-text-editor\" data-id=\"5b38761e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Juan Camilo Chaparro<br \/>profesor de la Escuela de Finanzas, Econom\u00eda y Gobierno de la Universidad EAFIT<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-364d35a9 e-flex e-con-boxed e-con e-child\" data-id=\"364d35a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3b5e86d6 e-flex e-con-boxed e-con e-child\" data-id=\"3b5e86d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a14fdb7 elementor-widget elementor-widget-image\" data-id=\"4a14fdb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"514\" height=\"559\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/indicadores-demograficos.png\" class=\"attachment-large size-large wp-image-97\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/indicadores-demograficos.png 514w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/indicadores-demograficos-276x300.png 276w\" sizes=\"(max-width: 514px) 100vw, 514px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-461e2bc4 e-flex e-con-boxed e-con e-child\" data-id=\"461e2bc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-193ff38c elementor-widget elementor-widget-text-editor\" data-id=\"193ff38c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Esperanza de vida promedio en Colombia<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2579b7cd elementor-widget elementor-widget-image-gallery\" data-id=\"2579b7cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-169 gallery-columns-1 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"2579b7cd\" data-elementor-lightbox-title=\"grafica-esperanza-de-vida.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6OTgsInVybCI6Imh0dHBzOlwvXC9jb252ZXJzYXJtYXNlYWZpdC5lbGNvbG9tYmlhbm8uY29tXC9oYWdhbW9zLWN1ZW50YXNcL3dwLWNvbnRlbnRcL3VwbG9hZHNcL3NpdGVzXC82XC8yMDI2XC8wM1wvZ3JhZmljYS1lc3BlcmFuemEtZGUtdmlkYS5wbmciLCJzbGlkZXNob3ciOiIyNTc5YjdjZCJ9\" href='https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/grafica-esperanza-de-vida.png'><img decoding=\"async\" width=\"609\" height=\"248\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/grafica-esperanza-de-vida.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/grafica-esperanza-de-vida.png 609w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/grafica-esperanza-de-vida-300x122.png 300w\" sizes=\"(max-width: 609px) 100vw, 609px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dbead50 elementor-widget elementor-widget-image\" data-id=\"6dbead50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"217\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/cifras-esperanza-de-vida.png\" class=\"attachment-large size-large wp-image-99\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/cifras-esperanza-de-vida.png 480w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/cifras-esperanza-de-vida-300x136.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16449afb e-flex e-con-boxed e-con e-parent\" data-id=\"16449afb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32f3693b e-flex e-con-boxed e-con e-child\" data-id=\"32f3693b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3b290d81 e-flex e-con-boxed e-con e-child\" data-id=\"3b290d81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-777a2857 elementor-widget elementor-widget-text-editor\" data-id=\"777a2857\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sistema de pensiones en Colombia<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f64508e elementor-widget elementor-widget-image\" data-id=\"2f64508e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"489\" height=\"442\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Graficas-Retiro_ok_2-01-1.png\" class=\"attachment-large size-large wp-image-100\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Graficas-Retiro_ok_2-01-1.png 489w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Graficas-Retiro_ok_2-01-1-300x271.png 300w\" sizes=\"(max-width: 489px) 100vw, 489px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5977099b e-flex e-con-boxed e-con e-child\" data-id=\"5977099b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-341818a6 elementor-widget elementor-widget-text-editor\" data-id=\"341818a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mercado laboral<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71a425a elementor-widget elementor-widget-text-editor\" data-id=\"71a425a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>*Cifras a septiembre de 2023<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e31c99 elementor-widget elementor-widget-image\" data-id=\"2e31c99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"373\" height=\"348\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Graficas-Retiro_ok_2-02-1.png\" class=\"attachment-large size-large wp-image-101\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Graficas-Retiro_ok_2-02-1.png 373w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Graficas-Retiro_ok_2-02-1-300x280.png 300w\" sizes=\"(max-width: 373px) 100vw, 373px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f68f969 e-con-full elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"2f68f969\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c391bde e-flex e-con-boxed e-con e-child\" data-id=\"c391bde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-39a5bad e-flex e-con-boxed e-con e-child\" data-id=\"39a5bad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14d060f6 elementor-widget elementor-widget-text-editor\" data-id=\"14d060f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Riesgos a<br \/>gestionar<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e8566f7 e-flex e-con-boxed e-con e-child\" data-id=\"e8566f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70550a20 elementor-widget elementor-widget-text-editor\" data-id=\"70550a20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Esperanza de vida en aumento<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ee1eeec e-flex e-con-boxed e-con e-child\" data-id=\"5ee1eeec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef380e3 elementor-widget elementor-widget-text-editor\" data-id=\"4ef380e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mortalidad a edad temprana<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37daeedc e-flex e-con-boxed e-con e-child\" data-id=\"37daeedc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71100bf4 elementor-widget elementor-widget-text-editor\" data-id=\"71100bf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invalidez y discapacidades<br \/>j\u00f3venes trabajadores<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5731c22b e-flex e-con-boxed e-con e-child\" data-id=\"5731c22b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46cf8b0d elementor-widget elementor-widget-text-editor\" data-id=\"46cf8b0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Baja densidad de las cotizaciones (tiempo de aportes vs. vida laboral)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f42f671 e-flex e-con-boxed e-con e-child\" data-id=\"1f42f671\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7da378a4 elementor-widget elementor-widget-text-editor\" data-id=\"7da378a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Poco ahorro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d9fe1f9 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"3d9fe1f9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-248e3a87 e-flex e-con-boxed e-con e-child\" data-id=\"248e3a87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45a46082 e-flex e-con-boxed e-con e-child\" data-id=\"45a46082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29eed998 elementor-widget elementor-widget-text-editor\" data-id=\"29eed998\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Riesgos a<br \/>gestionar<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4aef751a e-con-full e-flex e-con e-child\" data-id=\"4aef751a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-157b4be e-con-full e-flex e-con e-child\" data-id=\"157b4be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f920b7f e-flex e-con-boxed e-con e-child\" data-id=\"6f920b7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-721e53a3 elementor-widget elementor-widget-text-editor\" data-id=\"721e53a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Esperanza de vida en aumento<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73d26472 e-flex e-con-boxed e-con e-child\" data-id=\"73d26472\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb1c100 elementor-widget elementor-widget-text-editor\" data-id=\"2eb1c100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Invalidez y discapacidades<br \/>j\u00f3venes trabajadores<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-782c66b7 e-flex e-con-boxed e-con e-child\" data-id=\"782c66b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42f77ad7 elementor-widget elementor-widget-text-editor\" data-id=\"42f77ad7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Poco ahorro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9b993b e-con-full e-flex e-con e-child\" data-id=\"c9b993b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4cad4065 e-flex e-con-boxed e-con e-child\" data-id=\"4cad4065\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17e2b7fa elementor-widget elementor-widget-text-editor\" data-id=\"17e2b7fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mortalidad a edad temprana<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-554e6a6c e-flex e-con-boxed e-con e-child\" data-id=\"554e6a6c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71a293f4 elementor-widget elementor-widget-text-editor\" data-id=\"71a293f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Baja densidad de las cotizaciones (tiempo de aportes vs. vida laboral)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-131b62bb elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"131b62bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47ed970d e-flex e-con-boxed e-con e-child\" data-id=\"47ed970d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-392ba842 elementor-widget elementor-widget-image\" data-id=\"392ba842\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"172\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Proyecciones-1.png\" class=\"attachment-large size-large wp-image-102\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Proyecciones-1.png 961w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Proyecciones-1-300x65.png 300w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Proyecciones-1-768x165.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d2709a7 elementor-widget elementor-widget-image\" data-id=\"7d2709a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"439\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-463.png\" class=\"attachment-large size-large wp-image-103\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-463.png 994w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-463-300x164.png 300w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-463-768x421.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69a71ec7 elementor-hidden-desktop elementor-hidden-tablet e-flex e-con-boxed e-con e-parent\" data-id=\"69a71ec7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-447140e1 e-flex e-con-boxed e-con e-child\" data-id=\"447140e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e7a76 elementor-widget elementor-widget-image\" data-id=\"13e7a76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"254\" height=\"1024\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-471-254x1024.png\" class=\"attachment-large size-large wp-image-104\" alt=\"\" srcset=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-471-254x1024.png 254w, https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/Group-471.png 337w\" sizes=\"(max-width: 254px) 100vw, 254px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16c46ce7 e-flex e-con-boxed e-con e-parent\" data-id=\"16c46ce7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-29b5ff2a elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"29b5ff2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4da56616 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"4da56616\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"108\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/comment-entrada.png\" class=\"attachment-full size-full wp-image-18\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7680bdca e-flex e-con-boxed e-con e-child\" data-id=\"7680bdca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1b8c76 elementor-widget elementor-widget-heading\" data-id=\"c1b8c76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LO QUE HAY QUE PREGUNTARSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-249710d3 elementor-widget elementor-widget-heading\" data-id=\"249710d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfM\u00e1s colombianos nos podremos pensionar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f914126 e-con-full elementor-hidden-desktop e-flex e-con e-child\" data-id=\"5f914126\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-41eb65c5 e-con-full e-flex e-con e-child\" data-id=\"41eb65c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26b89e12 elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"26b89e12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"108\" src=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/wp-content\/uploads\/sites\/6\/2026\/03\/comment-entrada.png\" class=\"attachment-thumbnail size-thumbnail wp-image-18\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1191c0a3 e-con-full e-flex e-con e-child\" data-id=\"1191c0a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2f1b509 e-flex e-con-boxed e-con e-child\" data-id=\"2f1b509\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5956b9ec elementor-widget elementor-widget-heading\" data-id=\"5956b9ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LO QUE HAY QUE PREGUNTARSE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14f81f2a elementor-widget elementor-widget-heading\" data-id=\"14f81f2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfM\u00e1s colombianos nos podremos pensionar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-222e2547 e-flex e-con-boxed e-con e-parent\" data-id=\"222e2547\" data-element_type=\"container\" data-e-type=\"container\" id=\"post-carousel-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14a33281 e-flex e-con-boxed e-con e-child\" data-id=\"14a33281\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El precio del paso del tiempo El tema pensional se ha vuelto una preocupaci\u00f3n permanente; el envejecimiento de la poblaci\u00f3n y una mayor esperanza de vida nos cuestionan sobre el futuro del sistema. Por Duglas Balb\u00edn V En Colombia contamos con dos reg\u00edmenes de pensi\u00f3n: el r\u00e9gimen de prima media con prestaci\u00f3n definida (RPM), administrado [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":229,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dilemas-sociales"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El precio del paso del tiempo\u00a0 - Hagamos Cuentas<\/title>\n<meta name=\"description\" content=\"Hagamos Cuentas - El precio del paso del tiempo\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/conversarmaseafit.elcolombiano.com\/hagamos-cuentas\/2026\/03\/24\/el-precio-del-paso-del-tiempo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El precio del paso del tiempo\u00a0 - 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