{"id":3217,"date":"2022-03-13T08:41:45","date_gmt":"2022-03-13T08:41:45","guid":{"rendered":"https:\/\/www.ub.edu\/private-pensions\/?page_id=3217"},"modified":"2026-04-29T09:24:28","modified_gmt":"2026-04-29T09:24:28","slug":"inicio","status":"publish","type":"page","link":"https:\/\/www.ub.edu\/private-pensions\/","title":{"rendered":"inicio"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 header-home hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-0 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\t\t<div class=\"wppsac-wrap wppsac-slick-slider-wrp wppsac-clearfix inventosimagen\" data-conf=\"{&quot;dots&quot;:&quot;true&quot;,&quot;arrows&quot;:&quot;true&quot;,&quot;autoplay&quot;:&quot;true&quot;,&quot;autoplay_interval&quot;:&quot;8000&quot;,&quot;speed&quot;:&quot;500&quot;,&quot;rtl&quot;:&quot;false&quot;,&quot;lazyload&quot;:&quot;&quot;}\">\r\n\t\t\t<div id=\"wppsac-post-slider-1\" class=\"wppsac-post-slider-init wppsac-post-slider design-1\">\r\n\t\t\t\t<div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/24\/la-dra-merce-claramunt-aporta-la-vision-de-eiopa-en-la-aae-spring-meeting-2026\/\">LA DRA. MERC\u00c8 CLARAMUNT APORTA LA VISI\u00d3N DE EIOPA EN LA AAE SPRING MEETING 2026<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 24, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">La AAE Spring Meeting 2026, celebrada los d\u00edas 23 y 24 de abril, reuni\u00f3 a los principales comit\u00e9s de la Actuarial Association of Europe (AAE) para avanzar en iniciativas estrat\u00e9gicas en educaci\u00f3n actuarial, sostenibilidad y pensiones, en un momento clave de evoluci\u00f3n de la profesi\u00f3n en Europa. Entre las participaciones...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/24\/la-dra-merce-claramunt-aporta-la-vision-de-eiopa-en-la-aae-spring-meeting-2026\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae.jpg\" alt=\"LA DRA. MERC\u00c8 CLARAMUNT APORTA LA VISI\u00d3N DE EIOPA EN LA AAE SPRING MEETING 2026\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/18\/mutualidades-alternativas-al-reta-un-debate-fiscal-donde-el-gasto-evitado-pesa-mas-que-la-recaudacion-perdida\/\">Mutualidades alternativas al RETA: un debate fiscal donde el gasto evitado pesa m\u00e1s que la recaudaci\u00f3n perdida<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 18, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">En un contexto de creciente presi\u00f3n sobre la sostenibilidad del sistema p\u00fablico de pensiones, el debate sobre las mutualidades de previsi\u00f3n social alternativas al RETA suele centrarse en la recaudaci\u00f3n que dejan de aportar. En este art\u00edculo, el Dr. Javier Varea, director del Observatorio de los Sistemas Europeos de Previsi\u00f3n...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/18\/mutualidades-alternativas-al-reta-un-debate-fiscal-donde-el-gasto-evitado-pesa-mas-que-la-recaudacion-perdida\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda.jpg\" alt=\"Mutualidades alternativas al RETA: un debate fiscal donde el gasto evitado pesa m\u00e1s que la recaudaci\u00f3n perdida\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/11\/las-matematicas-que-sostienen-las-finanzas-del-futuro-se-citan-en-el-crm\/\">Las matem\u00e1ticas que sostienen las finanzas del futuro se citan en el CRM<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 11, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">El congreso internacional MAF 2026 re\u00fane en Barcelona a expertos en ciencia actuarial y finanzas El Centre de Recerca Matem\u00e0tica (CRM) ha acogido, del 8 al 10 de abril de 2026, el Congreso Internacional MAF 2026, dedicado a la aplicaci\u00f3n de m\u00e9todos matem\u00e1ticos y estad\u00edsticos en las ciencias actuariales y...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/11\/las-matematicas-que-sostienen-las-finanzas-del-futuro-se-citan-en-el-crm\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr.jpg\" alt=\"Las matem\u00e1ticas que sostienen las finanzas del futuro se citan en el CRM\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/01\/la-dra-merce-claramunt-lidera-en-la-eiopa-el-analisis-sobre-la-aversion-al-riesgo-en-los-planes-de-pensiones\/\">La Dra. Merc\u00e8 Claramunt lidera en la EIOPA el an\u00e1lisis sobre la aversi\u00f3n al riesgo en los planes de pensiones<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 1, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">Frankfurt am Main\u2013 El pasado lunes 23 de marzo, la Autoridad Europea de Seguros y Pensiones de Jubilaci\u00f3n (EIOPA) celebr\u00f3 una jornada clave que reuni\u00f3 al Occupational Pensions Stakeholder Group (OPSG) y a su Junta de Supervisores (Board of Supervisors - BoS). En este escenario de alto nivel regulador, la...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/01\/la-dra-merce-claramunt-lidera-en-la-eiopa-el-analisis-sobre-la-aversion-al-riesgo-en-los-planes-de-pensiones\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/Westhafen-Tower.png\" alt=\"La Dra. Merc\u00e8 Claramunt lidera en la EIOPA el an\u00e1lisis sobre la aversi\u00f3n al riesgo en los planes de pensiones\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/03\/26\/aprobada-la-memoria-de-actividades-2025-y-el-plan-de-accion-2026-del-observatorio-de-los-sistemas-europeos-de-prevision-social-complementaria\/\">Aprobada la memoria de actividades 2025 y el plan de acci\u00f3n 2026 del Observatorio de los Sistemas Europeos de Previsi\u00f3n Social Complementaria<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tmarzo 26, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">Celebrado el Consejo de Direcci\u00f3n del Observatorio de los Sistemas Europeos de Previsi\u00f3n Social Complementaria, \u00f3rgano colectivo de direcci\u00f3n de esta estructura de la Universidad de Barcelona, que reune a los representantes de los distintos \u00e1mbitos acad\u00e9micos y a los representantes del Consejo Asesor, integrado por sus partenaires. Las principales...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/03\/26\/aprobada-la-memoria-de-actividades-2025-y-el-plan-de-accion-2026-del-observatorio-de-los-sistemas-europeos-de-prevision-social-complementaria\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/03\/20260326-CD.jpeg\" alt=\"Aprobada la memoria de actividades 2025 y el plan de acci\u00f3n 2026 del Observatorio de los Sistemas Europeos de Previsi\u00f3n Social Complementaria\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-1 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-1 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-1 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-1 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-1 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-1 .fusion-popover, .fusion-fullwidth.fusion-builder-row-1 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-1 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-medium-visibility fusion-no-large-visibility\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-1 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\t\t<div class=\"wppsac-wrap wppsac-slick-slider-wrp wppsac-clearfix \" data-conf=\"{&quot;dots&quot;:&quot;true&quot;,&quot;arrows&quot;:&quot;true&quot;,&quot;autoplay&quot;:&quot;true&quot;,&quot;autoplay_interval&quot;:&quot;8000&quot;,&quot;speed&quot;:&quot;500&quot;,&quot;rtl&quot;:&quot;false&quot;,&quot;lazyload&quot;:&quot;&quot;}\">\r\n\t\t\t<div id=\"wppsac-post-slider-2\" class=\"wppsac-post-slider-init wppsac-post-slider design-1\">\r\n\t\t\t\t<div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/24\/la-dra-merce-claramunt-aporta-la-vision-de-eiopa-en-la-aae-spring-meeting-2026\/\">LA DRA. MERC\u00c8 CLARAMUNT APORTA LA VISI\u00d3N DE EIOPA EN LA AAE SPRING MEETING 2026<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 24, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">La AAE Spring Meeting 2026, celebrada los d\u00edas 23 y 24 de abril, reuni\u00f3 a los principales comit\u00e9s de la Actuarial Association of Europe (AAE) para avanzar en iniciativas estrat\u00e9gicas en educaci\u00f3n actuarial, sostenibilidad y pensiones, en un momento clave de evoluci\u00f3n de la profesi\u00f3n en Europa. Entre las participaciones...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/24\/la-dra-merce-claramunt-aporta-la-vision-de-eiopa-en-la-aae-spring-meeting-2026\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae.jpg\" alt=\"LA DRA. MERC\u00c8 CLARAMUNT APORTA LA VISI\u00d3N DE EIOPA EN LA AAE SPRING MEETING 2026\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/18\/mutualidades-alternativas-al-reta-un-debate-fiscal-donde-el-gasto-evitado-pesa-mas-que-la-recaudacion-perdida\/\">Mutualidades alternativas al RETA: un debate fiscal donde el gasto evitado pesa m\u00e1s que la recaudaci\u00f3n perdida<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 18, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">En un contexto de creciente presi\u00f3n sobre la sostenibilidad del sistema p\u00fablico de pensiones, el debate sobre las mutualidades de previsi\u00f3n social alternativas al RETA suele centrarse en la recaudaci\u00f3n que dejan de aportar. En este art\u00edculo, el Dr. Javier Varea, director del Observatorio de los Sistemas Europeos de Previsi\u00f3n...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/18\/mutualidades-alternativas-al-reta-un-debate-fiscal-donde-el-gasto-evitado-pesa-mas-que-la-recaudacion-perdida\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda.jpg\" alt=\"Mutualidades alternativas al RETA: un debate fiscal donde el gasto evitado pesa m\u00e1s que la recaudaci\u00f3n perdida\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/11\/las-matematicas-que-sostienen-las-finanzas-del-futuro-se-citan-en-el-crm\/\">Las matem\u00e1ticas que sostienen las finanzas del futuro se citan en el CRM<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 11, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">El congreso internacional MAF 2026 re\u00fane en Barcelona a expertos en ciencia actuarial y finanzas El Centre de Recerca Matem\u00e0tica (CRM) ha acogido, del 8 al 10 de abril de 2026, el Congreso Internacional MAF 2026, dedicado a la aplicaci\u00f3n de m\u00e9todos matem\u00e1ticos y estad\u00edsticos en las ciencias actuariales y...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/11\/las-matematicas-que-sostienen-las-finanzas-del-futuro-se-citan-en-el-crm\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr.jpg\" alt=\"Las matem\u00e1ticas que sostienen las finanzas del futuro se citan en el CRM\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/01\/la-dra-merce-claramunt-lidera-en-la-eiopa-el-analisis-sobre-la-aversion-al-riesgo-en-los-planes-de-pensiones\/\">La Dra. Merc\u00e8 Claramunt lidera en la EIOPA el an\u00e1lisis sobre la aversi\u00f3n al riesgo en los planes de pensiones<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tabril 1, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">Frankfurt am Main\u2013 El pasado lunes 23 de marzo, la Autoridad Europea de Seguros y Pensiones de Jubilaci\u00f3n (EIOPA) celebr\u00f3 una jornada clave que reuni\u00f3 al Occupational Pensions Stakeholder Group (OPSG) y a su Junta de Supervisores (Board of Supervisors - BoS). En este escenario de alto nivel regulador, la...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/01\/la-dra-merce-claramunt-lidera-en-la-eiopa-el-analisis-sobre-la-aversion-al-riesgo-en-los-planes-de-pensiones\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/Westhafen-Tower.png\" alt=\"La Dra. Merc\u00e8 Claramunt lidera en la EIOPA el an\u00e1lisis sobre la aversi\u00f3n al riesgo en los planes de pensiones\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div><div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/destacados\/\">Destacados<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/noticias\/\">Noticias<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/03\/26\/aprobada-la-memoria-de-actividades-2025-y-el-plan-de-accion-2026-del-observatorio-de-los-sistemas-europeos-de-prevision-social-complementaria\/\">Aprobada la memoria de actividades 2025 y el plan de acci\u00f3n 2026 del Observatorio de los Sistemas Europeos de Previsi\u00f3n Social Complementaria<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-date\">\r\n\t\t\t\tmarzo 26, 2026\t\t\t<\/div>\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">Celebrado el Consejo de Direcci\u00f3n del Observatorio de los Sistemas Europeos de Previsi\u00f3n Social Complementaria, \u00f3rgano colectivo de direcci\u00f3n de esta estructura de la Universidad de Barcelona, que reune a los representantes de los distintos \u00e1mbitos acad\u00e9micos y a los representantes del Consejo Asesor, integrado por sus partenaires. Las principales...<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/03\/26\/aprobada-la-memoria-de-actividades-2025-y-el-plan-de-accion-2026-del-observatorio-de-los-sistemas-europeos-de-prevision-social-complementaria\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/03\/20260326-CD.jpeg\" alt=\"Aprobada la memoria de actividades 2025 y el plan de acci\u00f3n 2026 del Observatorio de los Sistemas Europeos de Previsi\u00f3n Social Complementaria\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-2 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type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-1{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"margin-top:10px;margin-bottom:35px;\"><h4 class=\"title-heading-center\" style=\"margin:0;\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa-quote-left fas circle-no fusion-text-flow\" style=\"font-size:24px;margin-right:12px;\"><\/i><style>i.fontawesome-icon.fb-icon-element-1{ color: #ff9800;}i.fontawesome-icon.fb-icon-element-1:hover { color: #5b5b5b;}<\/style> El Observatorio es una estructura de investigaci\u00f3n de la Universidad de Barcelona que fomenta las actividades de investigaci\u00f3n interdisciplinar y docentes en el campo de la <a class=\"fusion-one-page-text-link\" href=\"https:\/\/www.ub.edu\/private-pensions\/observatorio\/#psc\">Previsi\u00f3n Social 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a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-3 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-3 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-3 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-3 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-3 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-3 .fusion-popover, .fusion-fullwidth.fusion-builder-row-3 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-3 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: #ff9800;background-position: center center;background-repeat: no-repeat;padding-top:50px;padding-right:0px;padding-bottom:50px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-5 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:48%; margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"imageframe-align-center\"><span style=\"width:100%;max-width:400px;\" class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/08\/logo_eiopa_white.png\" width=\"750\" height=\"272\" alt=\"\" title=\"logo_eiopa_white\" class=\"img-responsive wp-image-7408\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/08\/logo_eiopa_white-200x73.png 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/08\/logo_eiopa_white-400x145.png 400w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/08\/logo_eiopa_white-600x218.png 600w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/08\/logo_eiopa_white.png 750w\" sizes=\"auto, (max-width: 800px) 100vw, 750px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-6 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:48%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">.fusion-title.fusion-title-2 svg path{stroke:#ffffff!important}.fusion-title.fusion-title-2 svg{margin-top:-2px!important}.fusion-title.fusion-title-2 svg path{stroke-width:9!important}@media only screen and (max-width:800px) {.fusion-title.fusion-title-2{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-highlight fusion-loop-off fusion-highlight-underline fusion-title-size-one\" style=\"font-size:24px;margin-top:10px;margin-bottom:35px;\" data-highlight=\"underline\"><h1 class=\"title-heading-left\" style=\"margin:0;font-size:1em;line-height:32px;color:#ffffff;\"><span class=\"fusion-highlighted-text-prefix\">Investigamos, divulgamos, formamos<\/span> <span class=\"fusion-highlighted-text-wrapper\"><span class=\"fusion-highlighted-text\" style=\"color:#ffffff;\">y ahora INFLUIMOS<\/span><\/span> <span class=\"fusion-highlighted-text-postfix\">en la toma de decisiones del supervisor europeo.<\/span><\/h1><\/div><div class=\"fusion-button-wrapper\"><style type=\"text\/css\">.fusion-button.button-1 .fusion-button-text, .fusion-button.button-1 i {color:#ffffff;}.fusion-button.button-1 .fusion-button-icon-divider{border-color:#ffffff;}.fusion-button.button-1:hover .fusion-button-text, .fusion-button.button-1:hover i,.fusion-button.button-1:focus .fusion-button-text, .fusion-button.button-1:focus i,.fusion-button.button-1:active .fusion-button-text, .fusion-button.button-1:active{color:#ff9800;}.fusion-button.button-1:hover .fusion-button-icon-divider, .fusion-button.button-1:hover .fusion-button-icon-divider, .fusion-button.button-1:active .fusion-button-icon-divider{border-color:#ff9800;}.fusion-button.button-1:hover, .fusion-button.button-1:focus, .fusion-button.button-1:active{border-color:#ffffff;}.fusion-button.button-1 {border-color:#ffffff;border-radius:0px;}.fusion-button.button-1{background: #000000;}.fusion-button.button-1:hover,.button-1:focus,.fusion-button.button-1:active{background: #607d8b;}<\/style><a class=\"fusion-button button-flat fusion-button-default-size button-custom button-1 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.ub.edu\/private-pensions\/eiopa\/\"><span class=\"fusion-button-text\">&gt; Inf\u00f3rmate<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-4 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-4 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-4 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-4 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-4 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-4 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-4 .fusion-popover, .fusion-fullwidth.fusion-builder-row-4 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-4 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 hundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-7 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#e2e2e2;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:;\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-5 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-5 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-5 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-5 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-5 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-5 .fusion-popover, .fusion-fullwidth.fusion-builder-row-5 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-5 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 40px;margin-top: 20px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-8 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-3{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"margin-top:10px;margin-bottom:35px;\"><h4 class=\"title-heading-center\" style=\"margin:0;\">Queremos agradecer a todos nuestros Patrocinadores, Instituciones, Entidades Adheridas y la Red Universitaria su colaboraci\u00f3n y el esfuerzo humano que nos permite realizar nuestra labor social.<\/h4><\/div><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Patrocinadores-2025.jpg\" width=\"1036\" height=\"80\" alt=\"\" title=\"Patrocinadores 2025\" class=\"img-responsive wp-image-8141\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Patrocinadores-2025-200x15.jpg 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Patrocinadores-2025-400x31.jpg 400w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Patrocinadores-2025-600x46.jpg 600w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Patrocinadores-2025-800x62.jpg 800w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Patrocinadores-2025.jpg 1036w\" sizes=\"auto, (max-width: 800px) 100vw, 1036px\" \/><\/span><\/div><style type=\"text\/css\">.imageframe-2{filter: saturate(0%);transition: filter 0.3s ease;}.imageframe-2:hover{filter: saturate(100%);}<\/style><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:30px;\"><\/div><div class=\"fusion-button-wrapper fusion-aligncenter\"><style type=\"text\/css\">.fusion-button.button-2 {border-radius:50px;}<\/style><a class=\"fusion-button button-flat fusion-button-default-size button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.ub.edu\/private-pensions\/partenaires\/\"><span class=\"fusion-button-text\">Con\u00f3celos a todos!<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-6 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-6 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-6 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-6 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-6 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-6 .fusion-popover, .fusion-fullwidth.fusion-builder-row-6 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-6 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7-1 fusion-parallax-fixed agenda-home nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-image: url(\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/05\/fondo-observatorio.jpg\");background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;'><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-9 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-4{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"margin-top:10px;margin-bottom:35px;\"><h2 class=\"title-heading-center\" style=\"margin:0;color:#ffffff;\">Agenda Observatorio<\/h2><\/div><div class=\"em em-view-container\" id=\"em-view-136593246\" data-view=\"grid\" style=\"--view-grid-width : 330px\">\r\n\t<div class=\"em pixelbones em-list em-events-list em-grid em-events-grid\" id=\"em-events-grid-136593246\" data-view-id=\"136593246\">\r\n\t<div class=\"em-event em-item\" data-href=\"https:\/\/www.ub.edu\/private-pensions\/events\/4a-asamblea-general-del-observatorio\/\" style=\"--default-border:#a8d144;\">\n\t<div class=\"em-item-image \">\n\t\t<div class=\"em-item-image-wrapper\">\n\t\t\t\n\t\t\t<img src='https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/12\/asamblea_4.jpg' alt='4\u00aa Asamblea General del Observatorio'\/>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"em-item-info\">\n\t\t<h3 class=\"em-item-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/events\/4a-asamblea-general-del-observatorio\/\">4\u00aa Asamblea General del Observatorio<\/a><\/h3>\n\t\t<div class=\"em-event-meta em-item-meta\">\n\t\t\t<div class=\"em-item-meta-line em-event-date em-event-meta-datetime\">\n\t\t\t\t<span class=\"em-icon-calendar em-icon\"><\/span>\n\t\t\t\tmayo 21, 2026\n\t\t\t<\/div>\n\t\t\t<div class=\"em-item-meta-line em-event-time em-event-meta-datetime\">\n\t\t\t\t<span class=\"em-icon-clock em-icon\"><\/span>\n\t\t\t\tTodo el d\u00eda\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"em-event em-item\" data-href=\"https:\/\/www.ub.edu\/private-pensions\/events\/eapspi-meet-greet-2026\/\" style=\"--default-border:#a8d144;\">\n\t<div class=\"em-item-image \">\n\t\t<div class=\"em-item-image-wrapper\">\n\t\t\t\n\t\t\t<img src='https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/10\/EAPSPI-Agenda.png' alt='EAPSPI Meet &amp; Greet 2026'\/>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"em-item-info\">\n\t\t<h3 class=\"em-item-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/events\/eapspi-meet-greet-2026\/\">EAPSPI Meet &amp; Greet 2026<\/a><\/h3>\n\t\t<div class=\"em-event-meta em-item-meta\">\n\t\t\t<div class=\"em-item-meta-line em-event-date em-event-meta-datetime\">\n\t\t\t\t<span class=\"em-icon-calendar em-icon\"><\/span>\n\t\t\t\tmayo 27, 2026 - mayo 28, 2026\n\t\t\t<\/div>\n\t\t\t<div class=\"em-item-meta-line em-event-time em-event-meta-datetime\">\n\t\t\t\t<span class=\"em-icon-clock em-icon\"><\/span>\n\t\t\t\t12:00 am\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div><div class=\"em-event em-item\" data-href=\"https:\/\/www.ub.edu\/private-pensions\/events\/master-class-aula-aon\/\" style=\"--default-border:#a8d144;\">\n\t<div class=\"em-item-image \">\n\t\t<div class=\"em-item-image-wrapper\">\n\t\t\t\n\t\t\t<img src='https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/05\/flechas_tit.jpg' alt='Master class (Aula UB Aon)'\/>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"em-item-info\">\n\t\t<h3 class=\"em-item-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/events\/master-class-aula-aon\/\">Master class (Aula UB Aon)<\/a><\/h3>\n\t\t<div class=\"em-event-meta em-item-meta\">\n\t\t\t<div class=\"em-item-meta-line em-event-date em-event-meta-datetime\">\n\t\t\t\t<span class=\"em-icon-calendar em-icon\"><\/span>\n\t\t\t\tmayo 27, 2026\n\t\t\t<\/div>\n\t\t\t<div class=\"em-item-meta-line em-event-time em-event-meta-datetime\">\n\t\t\t\t<span class=\"em-icon-clock em-icon\"><\/span>\n\t\t\t\t5:00 pm - 6:00 pm\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div>\t<\/div>\r\n<\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:30px;\"><\/div><div class=\"fusion-button-wrapper fusion-aligncenter\"><style type=\"text\/css\">.fusion-button.button-3 {border-radius:50px;}<\/style><a class=\"fusion-button button-flat fusion-button-default-size button-default button-3 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.ub.edu\/private-pensions\/agenda\/\"><span class=\"fusion-button-text\">Toda la Agenda<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-7-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-7-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-7-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-1 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-7-1 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-1 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-1 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-7-1 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-7-1 .fusion-popover, .fusion-fullwidth.fusion-builder-row-7-1 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-7-1 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 40px;margin-top: 40px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-10 fusion-one-third fusion-column-first fusion-column-liftup-border fusion-column-inner-bg-wrapper 1_3\"  style='margin-top:0px;margin-bottom:20px;width:30.6666%; margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"border:1px solid #efefef;padding: 20px 10px 20px 10px;\"  data-bg-url=\"\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-3 fb-icon-element fontawesome-icon fa-search fas circle-no\" style=\"font-size:32px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-3{ color: #ff9800;}i.fontawesome-icon.fb-icon-element-3:hover { color: #5b5b5b;}<\/style><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-5{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:35px;\"><h5 class=\"title-heading-center\" style=\"margin:0;\">Investigamos<\/h5><\/div><div class=\"fusion-text\"><p style=\"text-align: center;\">Trabajamos sobre las cuestiones referentes a los sistemas de previsi\u00f3n social desde el marco de la neutralidad y la promoci\u00f3n de los derechos reconocidos por el Estado del Bienestar.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><span class=\"fusion-column-inner-bg hover-type-liftup\" ><a href=\"https:\/\/www.ub.edu\/private-pensions\/investigacion\/\" aria-label=\"\"><span class=\"fusion-column-inner-bg-image\"  style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;border:1px solid #efefef;\"><\/span><\/a><\/span><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-11 fusion-one-third fusion-column-liftup-border fusion-column-inner-bg-wrapper 1_3\"  style='margin-top:0px;margin-bottom:20px;width:30.6666%; margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"border:1px solid #efefef;padding: 20px 10px 20px 10px;\"  data-bg-url=\"\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-4 fb-icon-element fontawesome-icon fa-chalkboard-teacher fas circle-no\" style=\"font-size:32px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-4{ color: #ff9800;}i.fontawesome-icon.fb-icon-element-4:hover { color: #5b5b5b;}<\/style><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-6{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:35px;\"><h5 class=\"title-heading-center\" style=\"margin:0;\">Formamos<\/h5><\/div><div class=\"fusion-text\"><p style=\"text-align: center;\">Programas superiores universitarios rigurosos, adaptados a la realidad y al servicio del inter\u00e9s p\u00fablico. Cubrimos el abanico m\u00e1s amplio de las inquietudes formativas de las instituciones y las personas con inter\u00e9s en nuestra tem\u00e1tica.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><span class=\"fusion-column-inner-bg hover-type-liftup\" ><a href=\"https:\/\/www.ub.edu\/private-pensions\/formacion\/\" aria-label=\"\"><span class=\"fusion-column-inner-bg-image\"  style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;border:1px solid #efefef;\"><\/span><\/a><\/span><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-12 fusion-one-third fusion-column-last fusion-column-liftup-border fusion-column-inner-bg-wrapper 1_3\"  style='margin-top:0px;margin-bottom:20px;width:30.6666%'><div class=\"fusion-column-wrapper\" style=\"border:1px solid #efefef;padding: 20px 10px 20px 10px;\"  data-bg-url=\"\"><div class=\"fusion-fa-align-center\"><i class=\"fb-icon-element-5 fb-icon-element fontawesome-icon fa-comments fas circle-no\" style=\"font-size:32px;\"><\/i><\/div><style>i.fontawesome-icon.fb-icon-element-5{ color: #ff9800;}i.fontawesome-icon.fb-icon-element-5:hover { color: #5b5b5b;}<\/style><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-7{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-five\" style=\"margin-top:10px;margin-bottom:35px;\"><h5 class=\"title-heading-center\" style=\"margin:0;\">Divulgamos<\/h5><\/div><div class=\"fusion-text\"><p style=\"text-align: center;\">Reunimos a los principales agentes y expertos en la materia para aportar toda la informaci\u00f3n desde diferentes perspectivas y experiencias.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><span class=\"fusion-column-inner-bg hover-type-liftup\" ><a href=\"https:\/\/www.ub.edu\/private-pensions\/divulgacion\/\" aria-label=\"\"><span class=\"fusion-column-inner-bg-image\"  style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;border:1px solid #efefef;\"><\/span><\/a><\/span><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-7-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-7-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-7-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-2 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-7-2 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-2 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-2 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-7-2 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-7-2 .fusion-popover, .fusion-fullwidth.fusion-builder-row-7-2 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-7-2 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7-3 hundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-bottom:0px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-13 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\t\t<div class=\"wppsac-wrap wppsac-slick-slider-wrp wppsac-clearfix \" data-conf=\"{&quot;dots&quot;:&quot;true&quot;,&quot;arrows&quot;:&quot;true&quot;,&quot;autoplay&quot;:&quot;true&quot;,&quot;autoplay_interval&quot;:&quot;8000&quot;,&quot;speed&quot;:&quot;500&quot;,&quot;rtl&quot;:&quot;false&quot;,&quot;lazyload&quot;:&quot;&quot;}\">\r\n\t\t\t<div id=\"wppsac-post-slider-3\" class=\"wppsac-post-slider-init wppsac-post-slider design-1\">\r\n\t\t\t\t<div class=\"wppsac-post-slides\">\r\n\t<div class=\"wppsac-post-content-position\">\r\n\t\t<div class=\"wppsac-post-content-left wp-medium-8 wpcolumns\">\r\n\t\t\t\t\t\t<div class=\"wppsac-post-categories\"><ul class=\"wppsac-post-categories-list\"><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/eventos\/\">eventos<\/a><\/li><li><a href=\"https:\/\/www.ub.edu\/private-pensions\/category\/eventos-investigacion\/\">Eventos investigaci\u00f3n<\/a><\/li><\/ul><\/div>\r\n\t\t\t\r\n\t\t\t<h2 class=\"wppsac-post-title\">\r\n\t\t\t\t<a href=\"https:\/\/www.ub.edu\/espp\/\">Seminario Europeo de Pensiones Complementarias<\/a>\r\n\t\t\t<\/h2>\r\n\r\n\t\t\t\t\t\t<div class=\"wppsac-post-content\">\r\n\t\t\t\t<div class=\"wppsac-sub-content\">Celebrado el 13 y 14 de noviembre de 2025. \u00bfQui\u00e9res ver los videos?<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"wppsac-post-image-bg\">\r\n\t\t\t<a href=\"https:\/\/www.ub.edu\/espp\/\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"wppsac-post-image\"  src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/03\/flageurope.jpg\" alt=\"Seminario Europeo de Pensiones Complementarias\" \/>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7-3 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a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-7-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-3 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-7-3 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-3 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-3 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-7-3 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-7-3 .fusion-popover, .fusion-fullwidth.fusion-builder-row-7-3 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-7-3 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7-5 noticias-portada nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top: 40px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-14 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-8{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"margin-top:10px;margin-bottom:35px;\"><h4 class=\"title-heading-center\" style=\"margin:0;\">\u00daltimas Noticias<\/h4><\/div><div class=\"fusion-blog-shortcode fusion-blog-shortcode-1 fusion-blog-archive fusion-blog-layout-grid-wrapper fusion-blog-no fusion-blog-layout-center\"><style type=\"text\/css\">.fusion-blog-shortcode-1 .fusion-blog-layout-grid .fusion-post-grid{padding:20px;}.fusion-blog-shortcode-1 .fusion-posts-container{margin-left: -20px !important; margin-right:-20px !important;}<\/style><div class=\"fusion-posts-container fusion-posts-container-no fusion-no-meta-info fusion-blog-layout-grid fusion-blog-layout-grid-3 isotope fusion-blog-equal-heights\" data-pages=\"75\" data-grid-col-space=\"40\" style=\"margin: -20px -20px 0;min-height:500px;\"><article id=\"blog-1-post-9828\" class=\"fusion-post-grid post-9828 post type-post status-publish format-standard has-post-thumbnail hentry category-destacados category-noticias\">\n<div class=\"fusion-post-wrapper\" style=\"background-color:rgba(255,255,255,0);border:1px solid #f2f3f5;border-bottom-width:3px;\">\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"border-color:#f2f3f5;\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\n<div  class=\"fusion-image-wrapper\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/24\/la-dra-merce-claramunt-aporta-la-vision-de-eiopa-en-la-aae-spring-meeting-2026\/\" aria-label=\"LA DRA. MERC\u00c8 CLARAMUNT APORTA LA VISI\u00d3N DE EIOPA EN LA AAE SPRING MEETING 2026\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1846\" height=\"852\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae-200x92.jpg 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae-400x185.jpg 400w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae-600x277.jpg 600w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae-800x369.jpg 800w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae-1200x554.jpg 1200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/mclaramunt_ub_aae.jpg 1846w\" sizes=\"auto, (min-width: 2200px) 100vw, (min-width: 784px) 373px, (min-width: 712px) 560px, (min-width: 640px) 712px, \" \/>\n\t\n\n\t\t<\/a>\n\n\t\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\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\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content-wrapper\" style=\"padding:30px 25px 25px 25px;\"><div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/24\/la-dra-merce-claramunt-aporta-la-vision-de-eiopa-en-la-aae-spring-meeting-2026\/\">LA DRA. MERC\u00c8 CLARAMUNT APORTA LA VISI\u00d3N DE EIOPA EN LA AAE SPRING MEETING 2026<\/a><\/h2><div class=\"fusion-post-content-container\"><p>La AAE Spring Meeting 2026, celebrada los d\u00edas 23 y [...]<\/p><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div>\n<\/article>\n<article id=\"blog-1-post-9824\" class=\"fusion-post-grid post-9824 post type-post status-publish format-standard has-post-thumbnail hentry category-destacados category-noticias\">\n<div class=\"fusion-post-wrapper\" style=\"background-color:rgba(255,255,255,0);border:1px solid #f2f3f5;border-bottom-width:3px;\">\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"border-color:#f2f3f5;\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\n<div  class=\"fusion-image-wrapper\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/18\/mutualidades-alternativas-al-reta-un-debate-fiscal-donde-el-gasto-evitado-pesa-mas-que-la-recaudacion-perdida\/\" aria-label=\"Mutualidades alternativas al RETA: un debate fiscal donde el gasto evitado pesa m\u00e1s que la recaudaci\u00f3n perdida\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"1000\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda-200x133.jpg 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda-400x267.jpg 400w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda-600x400.jpg 600w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda-800x533.jpg 800w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda-1200x800.jpg 1200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/grafimoneda.jpg 1500w\" sizes=\"auto, (min-width: 2200px) 100vw, (min-width: 784px) 373px, (min-width: 712px) 560px, (min-width: 640px) 712px, \" \/>\n\t\n\n\t\t<\/a>\n\n\t\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\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\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content-wrapper\" style=\"padding:30px 25px 25px 25px;\"><div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/18\/mutualidades-alternativas-al-reta-un-debate-fiscal-donde-el-gasto-evitado-pesa-mas-que-la-recaudacion-perdida\/\">Mutualidades alternativas al RETA: un debate fiscal donde el gasto evitado pesa m\u00e1s que la recaudaci\u00f3n perdida<\/a><\/h2><div class=\"fusion-post-content-container\"><p>En un contexto de creciente presi\u00f3n sobre la sostenibilidad del [...]<\/p><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div>\n<\/article>\n<article id=\"blog-1-post-9818\" class=\"fusion-post-grid post-9818 post type-post status-publish format-standard has-post-thumbnail hentry category-destacados category-noticias\">\n<div class=\"fusion-post-wrapper\" style=\"background-color:rgba(255,255,255,0);border:1px solid #f2f3f5;border-bottom-width:3px;\">\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"border-color:#f2f3f5;\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\n<div  class=\"fusion-image-wrapper\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/11\/las-matematicas-que-sostienen-las-finanzas-del-futuro-se-citan-en-el-crm\/\" aria-label=\"Las matem\u00e1ticas que sostienen las finanzas del futuro se citan en el CRM\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1587\" height=\"830\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr-200x105.jpg 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr-400x209.jpg 400w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr-600x314.jpg 600w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr-800x418.jpg 800w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr-1200x628.jpg 1200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/04\/MAF-2026_tr.jpg 1587w\" sizes=\"auto, (min-width: 2200px) 100vw, (min-width: 784px) 373px, (min-width: 712px) 560px, (min-width: 640px) 712px, \" \/>\n\t\n\n\t\t<\/a>\n\n\t\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\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\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content-wrapper\" style=\"padding:30px 25px 25px 25px;\"><div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/04\/11\/las-matematicas-que-sostienen-las-finanzas-del-futuro-se-citan-en-el-crm\/\">Las matem\u00e1ticas que sostienen las finanzas del futuro se citan en el CRM<\/a><\/h2><div class=\"fusion-post-content-container\"><p>El congreso internacional MAF 2026 re\u00fane en Barcelona a expertos [...]<\/p><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div>\n<\/article>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:30px;\"><\/div><div class=\"fusion-button-wrapper fusion-aligncenter\"><style type=\"text\/css\">.fusion-button.button-4 {border-radius:50px;}<\/style><a class=\"fusion-button button-flat fusion-button-default-size button-default button-4 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/www.ub.edu\/private-pensions\/actualidad\/\"><span class=\"fusion-button-text\">Toda la actualidad<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-7-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-7-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-7-5 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-5 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-7-5 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-5 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-5 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-7-5 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-7-5 .fusion-popover, .fusion-fullwidth.fusion-builder-row-7-5 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-7-5 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><div id=\"fusion-scroll-section-1\" class=\"fusion-scroll-section\" data-section=\"1\"><div class=\"fusion-scroll-section-element active\" style=\"transition-duration:450ms;\" data-section=\"1\" data-element=\"1\"><div id=\"fusion-scroll-section-element-1-1\" class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7-6 fusion-parallax-fixed nonhundred-percent-fullwidth hundred-percent-height hundred-percent-height-center-content hundred-percent-height-scrolling\"  style='background-color: rgba(255,193,7,0.61);background-image: url(\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/05\/longevidad-pensiones.jpg\");background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;'><div class=\"fusion-fullwidth-center-content\"><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-15 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-menu-anchor\" id=\"psc\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-16 fusion-one-half fusion-column-first 1_2\"  style='margin-top:0px;margin-bottom:20px;width:48%; margin-right: 4%;'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-9{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"margin-top:10px;margin-bottom:35px;\"><h1 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">\u00bfQu\u00e9 es \u00abLa Previsi\u00f3n Social Complementaria\u00bb?<\/h1><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-single sep-solid\" style=\"border-color:#ffffff;border-top-width:1px;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:50px;\"><\/div><style type=\"text\/css\">@media only screen and (max-width:800px) {.fusion-title.fusion-title-10{margin-top:10px!important;margin-bottom:10px!important;}}<\/style><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"margin-top:10px;margin-bottom:35px;\"><h3 class=\"title-heading-left\" style=\"margin:0;color:#ffffff;\">El conjunto de pol\u00edticas e instrumentos, tanto del sistema de empleo como del nivel individual, orientadas a complementar el sistema p\u00fablico de pensiones, pilar b\u00e1sico de nuestro modelo de previsi\u00f3n social.<\/h3><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_2 fusion-builder-column-17 fusion-one-half fusion-column-last 1_2\"  style='margin-top:0px;margin-bottom:20px;width:48%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar3.png\" width=\"337\" height=\"102\" alt=\"Pilar 3\" title=\"pilar3\" class=\"img-responsive wp-image-880\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar3-200x61.png 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar3.png 337w\" sizes=\"auto, (max-width: 800px) 100vw, 337px\" \/><\/span><\/div><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-4 hover-type-none fusion-animated\" data-animationType=\"slideInRight\" data-animationDuration=\"0.4\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar2.png\" width=\"337\" height=\"102\" alt=\"Pilar 2\" title=\"pilar2\" class=\"img-responsive wp-image-881\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar2-200x61.png 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar2.png 337w\" sizes=\"auto, (max-width: 800px) 100vw, 337px\" \/><\/span><\/div><div class=\"imageframe-align-center\"><span class=\"fusion-imageframe imageframe-none imageframe-5 hover-type-none fusion-animated\" data-animationType=\"slideInUp\" data-animationDuration=\"0.5\" data-animationOffset=\"100%\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar1.png\" width=\"337\" height=\"102\" alt=\"Pilar 1\" title=\"pilar1\" class=\"img-responsive wp-image-882\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar1-200x61.png 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/pilar1.png 337w\" sizes=\"auto, (max-width: 800px) 100vw, 337px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7-6 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7-6 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.fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-6 .pagination .current {border-color: #607d8b; background-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-6 .fusion-filters .fusion-filter.fusion-active a, .fusion-fullwidth.fusion-builder-row-7-6 .fusion-date-and-formats .fusion-format-box, .fusion-fullwidth.fusion-builder-row-7-6 .fusion-popover, .fusion-fullwidth.fusion-builder-row-7-6 .tooltip-shortcode {color: #607d8b;}#main .fusion-fullwidth.fusion-builder-row-7-6 .post .blog-shortcode-post-title a:hover {color: #607d8b;}<\/style><\/div><nav id=\"fusion-scroll-section-nav-1\" class=\"fusion-scroll-section-nav scroll-navigation-right\" data-section=\"1\"><ul><li><a href=\"#fusion-scroll-section-element-1-1\" class=\"fusion-scroll-section-link\" data-name=\"eje\" data-element=\"1\"><span class=\"fusion-scroll-section-link-bullet\"><\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7-7 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-bottom:0px;margin-top: 40px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-18 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:20px;width:100%'><div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep sep-none\" style=\"margin-left: auto;margin-right: auto;margin-top:40px;\"><\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" data-animationOffset=\"100%\" style=\"margin-top:;margin-bottom:;\"><style type=\"text\/css\">.fusion-content-boxes-1 .heading .content-box-heading {color:#212934;}\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading .content-box-heading,\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading .heading-link .content-box-heading,\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading .content-box-heading,\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading .heading-link .content-box-heading,\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box .fusion-read-more,\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover.link-area-box 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#607d8b;\n\t\t\t\t\t}\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .icon .circle-no {\n\t\t\t\t\t\tcolor: #607d8b !important;\n\t\t\t\t\t}.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button {background: #000000;color: #ffffff;}.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box.link-area-box-hover .fusion-content-box-button .fusion-button-text {color: #ffffff;}\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon > span {\n\t\t\t\t\t\tbackground-color: #607d8b !important;\n\t\t\t\t\t}\n\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading .icon > span {\n\t\t\t\t\t\tborder-color: #607d8b !important;\n\t\t\t\t\t}<\/style><div class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\" data-animationOffset=\"100%\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><i style=\"border-color:#212934;border-width:0px;background-color:#c6c6c6;box-sizing:content-box;height:40px;width:40px;line-height:40px;border-radius:0%;color:#ffffff;font-size:20px;\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"font-size:20px;line-height:25px;\">Pilar 1<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#4a4e57;\">\n<p>Lo constituye el sistema p\u00fablico de pensiones. Se financia por un sistema de reparto. En Espa\u00f1a es, b\u00e1sicamente, de naturaleza contributiva. En otros pa\u00edses tiene un car\u00e1cter, b\u00e1sicamente, asistencial.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\" data-animationOffset=\"100%\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><i style=\"border-color:rgba(255,255,255,0);border-width:0px;background-color:#efc05b;box-sizing:content-box;height:40px;width:40px;line-height:40px;border-radius:0%;color:#ffffff;font-size:20px;\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"font-size:20px;line-height:25px;\">Pilar 2<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#4a4e57;\">\n<p>Est\u00e1 formado por los reg\u00edmenes privados que se desarrollan en el \u00e1mbito de la empresa. Se configuran como sistemas de capitalizaci\u00f3n que se financian, principalmente, con las aportaciones peri\u00f3dicas de los empleadores.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade\" style=\"background-color:rgba(255,255,255,0);\" data-animationOffset=\"100%\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><i style=\"border-color:#212934;border-width:0px;background-color:#edc900;box-sizing:content-box;height:40px;width:40px;line-height:40px;border-radius:0%;color:#ffffff;font-size:20px;\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h2 class=\"content-box-heading\" style=\"font-size:20px;line-height:25px;\">Pilar 3<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\" style=\"color:#4a4e57;\">\n<p>Corresponde a la decisi\u00f3n individual y voluntaria de las personas de destinar al ahorro parte de su renta libre.<\/p>\n<\/div><\/div><\/div><style type=\"text\/css\">\n\t\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .heading-link:hover .icon i.circle-yes,\n\t\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box:hover .heading-link .icon i.circle-yes,\n\t\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-link-icon-hover .heading .icon i.circle-yes,\n\t\t\t\t\t\t.fusion-content-boxes-1 .fusion-content-box-hover .link-area-box-hover .heading .icon i.circle-yes {\n\t\t\t\t\t\t\tbackground-color: #607d8b !important;\n\t\t\t\t\t\t\tborder-color: #607d8b !important;\n\t\t\t\t\t\t}<\/style><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-7-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link) , .fusion-fullwidth.fusion-builder-row-7-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):before, .fusion-fullwidth.fusion-builder-row-7-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):after {color: #ff9800;}.fusion-fullwidth.fusion-builder-row-7-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-7-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-7-7 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:after {color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-7 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-7-7 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-7-7 .pagination .current {border-color: #607d8b; 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