{"id":88375,"date":"2022-03-19T17:10:09","date_gmt":"2022-03-19T21:10:09","guid":{"rendered":"https:\/\/papayaso.co\/economia\/como-trasladarse-de-regimen-pensional-en-colombia\/"},"modified":"2022-03-19T17:10:20","modified_gmt":"2022-03-19T21:10:20","slug":"como-trasladarse-de-regimen-pensional-en-colombia","status":"publish","type":"post","link":"https:\/\/papayaso.co\/economia\/como-trasladarse-de-regimen-pensional-en-colombia\/","title":{"rendered":"\u00bfC\u00f3mo trasladarse de r\u00e9gimen pensional en Colombia?"},"content":{"rendered":" <p>  <\/p> \n<div id=\"mvp-content-main\">\n <p> <strong>Decidir qu\u00e9 r\u00e9gimen pensional te conviene m\u00e1s es clave para los ahorros de la vejez<\/strong>, por ello es importante conocer la diferencia entre el p\u00fablico y el privado, as\u00ed como cu\u00e1les son los requisitos para poder cambiarse de uno al otro. <\/p> \n<h2>\u00bfCu\u00e1ntos reg\u00edmenes pensionales hay en Colombia?<\/h2>\n <p> Por un lado, est\u00e1 el <strong>R\u00e9gimen de Prima Media (RPM), en el cual Colpensiones<\/strong> es el encargado de administrar los recursos de los afiliados, que van a un fondo com\u00fan, de donde se financian las mesadas de quienes logren los requisitos para pensionarse. <\/p> \n<p style=\"text-align: center;\"><em><strong>\u00bfC\u00f3mo funciona el sistema pensional en Colombia?<\/strong><\/em> <\/p> \n <p> <strong>Para acceder a una mesada pensional en el RPM, los afiliados deben cumplir con dos condiciones:<\/strong> <\/p> \n<ul>\n<li>Tener 62 a\u00f1os, en el caso de los hombres<\/li>\n<li>57 a\u00f1os en el de las mujeres<\/li>\n<li>Haber cotizado por lo menos 1.300 semanas (26 a\u00f1os de trabajo)<\/li>\n<\/ul>\n <p> Por el otro lado est\u00e1 el <strong>R\u00e9gimen de Ahorro Individual con Solidaridad (Rais)<\/strong>, del que hacen parte los cuatro fondos de pensiones privados: <strong>Porvenir, Protecci\u00f3n, Skandia y Colfondos<\/strong>. <\/p> \n <p> En este caso, los aportes individuales se invierten y generan intereses, por lo que cuando los afiliados se pensionan, reciben dinero del ahorro m\u00e1s los rendimientos. <\/p> \n <p> En el caso del Rais, el \u00fanico requisito que debe cumplirse para acceder a una pensi\u00f3n es reunir el capital suficiente para financiar una pensi\u00f3n que sea de m\u00e1s de 110% de un salario m\u00ednimo. <\/p> \n <p> Sin embargo, <strong>quienes no alcancen ese monto pueden solicitar la garant\u00eda de pensi\u00f3n m\u00ednima<\/strong>, para lo cual deben cumplir dos requisitos: <\/p> \n<ul>\n<li>62 a\u00f1os para los hombres<\/li>\n<li>57 para las mujeres<\/li>\n<li>Haber cotizado un m\u00ednimo de 1.150 semanas.<\/li>\n<\/ul>\n<h2>Los requisitos para cambiarse de r\u00e9gimen<\/h2>\n <p> Para poder cambiarse de r\u00e9gimen pensional, los afiliados deben cumplir con tres requisitos. <\/p> \n<p style=\"text-align: center;\"><em><strong>\u00bfQui\u00e9nes se podr\u00edan trasladar de fondos privados a Colpensiones?<\/strong><\/em> <\/p> \n <p> <strong>Por un lado, se debe tener por lo menos cinco a\u00f1os en el fondo actual, por ejemplo, en Colpensiones.<\/strong> No obstante, en el privado, solo debe haber cumplido cinco a\u00f1os sumando todas las AFP, por ejemplo, 2 a\u00f1os en Skandia y 3 en Protecci\u00f3n. <\/p> \n <p> Los otros dos requisitos son <strong>solicitar y recibir la doble asesor\u00eda con ambos reg\u00edmenes<\/strong>; y <strong>estar a m\u00e1s de 10 a\u00f1os del cumplimiento de la edad de pensi\u00f3n.<\/strong> <\/p> \n <p> Cabe mencionar que ahora quienes quieran trasladarse, y cumplan los requisitos, podr\u00e1n hacerlo en l\u00ednea. Por ejemplo, Colpensiones dispuso la opci\u00f3n a trav\u00e9s de su p\u00e1gina web. <\/p> \n<h3>\u00bfQu\u00e9 documentos se deben presentar?<\/h3>\n <p> Si decide trasladarse, los documentos necesarios son el formulario de traslado de r\u00e9gimen establecido y el documento de identidad. <\/p> \n<p style=\"text-align: center;\"><em><strong>Asofondos respondi\u00f3 a Gustavo Petro sobre propuesta de pensiones<\/strong><\/em> <\/p> \n <p> El proceso se har\u00e1 efectivo en el primer d\u00eda calendario del segundo mes posterior a la fecha de radicaci\u00f3n de la solicitud. <\/p> \n <p> <strong>Colprensa \u2013 La Rep\u00fablica<\/strong> <\/p> \n <p> <a rel=\"nofollow noopener\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMNyypQswn729Aw\/sections\/CAQqEAgAKgcICjDcsqULMJ-9vQMwq_mnBw?ceid=CO:es-419&amp;oc=3\" target=\"_blank\" class=\"gn-btn\">Sigue a RTVC Noticias y mantente conectado<\/a>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n <p> Fuente: <a href=\"https:\/\/www.rtvcnoticias.com\/regimen-pensional-requisitos-para-trasladarse\">RTVC Noticias<\/a> <\/p> \n<div id=\"emojics-root\"><\/div>","protected":false},"excerpt":{"rendered":" <p> Decidir qu\u00e9 r\u00e9gimen pensional te conviene m\u00e1s es clave para los ahorros de la vejez, por ello es importante conocer la diferencia entre el p\u00fablico &hellip;  <\/p> \n","protected":false},"author":2,"featured_media":88376,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":[],"categories":[1273],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.8 (Yoast SEO v17.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfC\u00f3mo trasladarse de r\u00e9gimen pensional en Colombia? 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