Malterias unidas

,mmmmmmmbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbb

bbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbb

bbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbbggggggggggggggggggggggggggggggggggggggg

gggggggggrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr

rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqqq

qA la hora de estimar los beneficios ycobertura a esperar del sistema de AFP, dentro de 12 años más que será su real auge de funcionamiento, se debe considerar, por ejemplo, que un pensionado del sistema antiguo que imponga por laremuneración tope de $1.050.000 durante los últimos tres años de su vida obtiene hoy una jubilación superior a $750.000 mensuales, y para obtener una pensión similar en el sistema de AFP se requiere uncapital acumulado superior a 100 millones de pesos. En realidad si existe un gran diferencia entre un sistema y otro, lo cual solo podría mejorarse con bonos de reconocimiento.

Hay que considerartambién que para alcanzar la pensión mínima hoy día se requiere un capital aproximado de $13,9 millones al momento de jubilar, y de $14,2 el 2025-2030, por lo cual de jubilar con los actuales saldos, y sinconsiderar los bonos de reconocimiento que, como se ha dicho, incrementan los saldos actuales significativamente, el 90% de los afiliados al sistema jubilaría hoy día con una pensión inferior al...