Tutor 1

Gil Mateus, Edwin Oswaldo


The pension system in Colombia is governed by Law 100 of 1993, this system has two regimes: public and private, which have different characteristics for the savings that people decide to make in order to have an income or sustenance in old age, taking into account that each person is free to choose the type of regime to which they want to make their contributions from the work activity, to make these contributions and give importance to these is evident the culture of saving people.This work aims to perform an empirical analysis against the three behavioral biases that are presented in the decision making of people according to the life cycle in which they are, performing an analysis of the life cycle theory of Modigliani and contrasting with the economy of behavior and identifying in turn the different laws and regulations that govern the pension system of Colombia.In order to achieve the objective, the pension system in Colombia will be analyzed and the savings options offered to people who are active in the workplace. Later, a comparison will be made between two groups with different characteristics according to the age in which they are employed. they are, but posing the same situations in order to identify the differences in decision making and which behavioral bias has more presence according to the life cycle

Palabras clave

Ciclo vital humano, Ahorro e inversión, Pensiones, Toma de decisiones

Tipo de documento

Trabajo de grado - Pregrado

Licencia Creative Commons

Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License
This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License.

Fecha de elaboración


Programa académico

Finanzas y Comercio Internacional


Facultad de Ciencias Económicas y Sociales


Universidad de La Salle. Facultad de Ciencias Económicas y Sociales. Finanzas y Comercio Internacional