{"id":379,"date":"2022-09-01T13:18:11","date_gmt":"2022-09-01T18:18:11","guid":{"rendered":"https:\/\/habitudes.co\/?p=379"},"modified":"2024-04-28T04:56:39","modified_gmt":"2024-04-28T09:56:39","slug":"insight-02","status":"publish","type":"post","link":"https:\/\/habitudes.co\/2022\/09\/01\/insight-02\/","title":{"rendered":"Es para toda la vida"},"content":{"rendered":"

Las promesas o compromisos de largo plazo son de muy largo plazo, el matrimonio, los hijos y la transformaci\u00f3n de lo que hoy en d\u00eda conocemos como retiro o jubilaci\u00f3n, tema en el cual nosotros en Habitudes pensamos todo el tiempo.<\/p>\n

La longevidad tuvo un aumento sustancial en el siglo XX y en general, hay consenso a nivel mundial de que as\u00ed seguir\u00e1 ocurriendo, pero el debate sigue abierto sobre la mejora que tendr\u00e1. Seg\u00fan la publicaci\u00f3n m\u00e1s reciente de la Asociaci\u00f3n Actuarial Internacional al respecto(1), la expectativa de vida a nivel\u00a0mundial es la siguiente:<\/p>\n\n\n\n\n\n\n\n\n
\n

Al Nacer<\/h4>\n<\/td>\n

\n

70 a\u00f1os<\/h4>\n<\/td>\n<\/tr>\n

A\u00f1o<\/td>\nMujeres<\/td>\nHombres<\/td>\nMujeres<\/td>\nHombres<\/td>\n<\/tr>\n
1955<\/td>\n48.5<\/td>\n45.5<\/td>\n9.5<\/td>\n8.2<\/td>\n<\/tr>\n
2020<\/td>\n74.7<\/td>\n69.9<\/td>\n14.7<\/td>\n12.4<\/td>\n<\/tr>\n
2100<\/td>\n83.77<\/td>\n79.5<\/td>\n18.5<\/td>\n16.7<\/td>\n<\/tr>\n
Tiempo de Vida, Seg\u00fan la Edad de las Personas<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Es decir, el tiempo que esperamos vivir en el retiro aumenta aproximadamente un a\u00f1o cada 20 a\u00f1os (de manera consistente, las mujeres viven m\u00e1s que los hombres) y hay que tener en cuenta que estas cifras son un promedio a nivel mundial, as\u00ed que hay que tener mucho cuidado con su interpretaci\u00f3n.<\/p>\n

Es aqu\u00ed donde empiezan las preguntas: \u00bfC\u00f3mo se van a financiar los sistemas de seguridad social? \u00bfC\u00f3mo voy a financiar mi retiro? La tendencia de la regulaci\u00f3n a nivel mundial es que la responsabilidad de la seguridad social y en particular el retiro, recae en los hombros de las personas, de tal manera que las Habitudes son muy importantes: Hay que tener h\u00e1bitos y actitudes que nos conduzcan a un retiro adecuado, en todos los ejes (financiero, salud y emocional).<\/p>\n

Estos h\u00e1bitos pueden ser el resultado de una conversaci\u00f3n sincera con uno mismo, con ese yo de 80 o 90 a\u00f1os que te pregunta: \u00bfQu\u00e9 vas a hacer en este momento para que yo tenga las mejores condiciones?<\/p>\n

En Habitudes queremos aportar al cambio, para que las personas pensemos de largo plazo y que, por lo tanto, mejoramos los h\u00e1bitos y actitudes que nos conducen a ese destino anhelado, para que las promesas que le hicimos a nuestro c\u00f3nyuge, a nuestros hijos y a nosotros mismos para nuestra vejez, las podamos honrar de manera consistente, un d\u00eda a la vez.<\/p>\n

Actuarial Perpsectives on World Population Prospects 2019<\/i>, IAA Population Issues Working Group, International Actuarial Association,
\nOctubre 2020.<\/p>\n","protected":false},"excerpt":{"rendered":"

Las promesas o compromisos de largo plazo son de muy largo plazo, el matrimonio, los hijos y la transformaci\u00f3n de lo que hoy en d\u00eda conocemos como retiro o jubilaci\u00f3n, tema en el cual nosotros en Habitudes pensamos todo el tiempo. La longevidad tuvo un aumento sustancial en el siglo XX y en general, hay […]<\/p>\n","protected":false},"author":1,"featured_media":398,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personas"],"yoast_head":"\nEs para toda la vida -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habitudes.co\/2022\/09\/01\/insight-02\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Es para toda la vida -\" \/>\n<meta property=\"og:description\" content=\"Las promesas o compromisos de largo plazo son de muy largo plazo, el matrimonio, los hijos y la transformaci\u00f3n de lo que hoy en d\u00eda conocemos como retiro o jubilaci\u00f3n, tema en el cual nosotros en Habitudes pensamos todo el tiempo. 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