{"id":6405,"date":"2024-01-26T09:31:32","date_gmt":"2024-01-26T09:31:32","guid":{"rendered":"https:\/\/www.ub.edu\/private-pensions\/?page_id=6405"},"modified":"2025-05-28T09:10:34","modified_gmt":"2025-05-28T09:10:34","slug":"opinion","status":"publish","type":"page","link":"https:\/\/www.ub.edu\/private-pensions\/opinion\/","title":{"rendered":"Opini\u00f3n"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-parallax-none nonhundred-percent-fullwidth 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\/2024\/01\/cabecera_opinion.jpg\");background-position: center center;background-repeat: no-repeat;padding-top:7%;padding-right:0px;padding-bottom:7%;padding-left:0px;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;'><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:20px;'><div class=\"fusion-column-wrapper\" style=\"background-color:rgba(0,0,0,0.24);padding: 20px 20px 20px 20px;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-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-one\" style=\"font-size:40px;margin-top:10px;margin-bottom:35px;\"><h1 class=\"title-heading-center\" style=\"margin:0;font-size:1em;color:#ffffff;\">EXPERTOS DEL SECTOR OPINAN<\/h1><\/div><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 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_2_3 fusion-builder-column-1 fusion-two-third fusion-column-first 2_3\"  style='margin-top:0px;margin-bottom:20px;width:66.66%;width:calc(66.66% - ( ( 4% ) * 0.6666 ) );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-blog-shortcode fusion-blog-shortcode-1 fusion-blog-archive fusion-blog-layout-medium-alternate fusion-blog-infinite\"><div class=\"fusion-posts-container fusion-posts-container-infinite fusion-no-meta-info\" data-pages=\"2\"><article id=\"blog-1-post-9852\" class=\"fusion-post-medium-alternate post-9852 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">4<\/span><span class=\"fusion-month-year\">05, 2026<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/05\/04\/tenemos-un-plan-laia-moreno-maillo\/\" aria-label=\"Tenemos un plan: Laia Moreno Maillo\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/05\/Laia-Moreno-Maillo_w-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/05\/04\/tenemos-un-plan-laia-moreno-maillo\/\">Tenemos un plan: Laia Moreno Maillo<\/a><\/h2><div class=\"fusion-post-content-container\"><p>\u00daltimamente o\u00edmos hablar de Educaci\u00f3n Financiera cada vez con mayor frecuencia. Es una buena noticia, porque se trata de un \u00e1rea de mucha importancia tanto para el individuo como para las sociedades en su conjunto y no goza, por ahora, de una especial presencia en los planes de estudio ni, sobre todo, de una alta consideraci\u00f3n entre el p\u00fablico. La [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-9657\" class=\"fusion-post-medium-alternate post-9657 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">18<\/span><span class=\"fusion-month-year\">02, 2026<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/02\/18\/optimizar-el-bienestar-financiero-tras-la-jubilacion-una-solucion-para-cada-necesidad\/\" aria-label=\"Optimizar el bienestar financiero tras la jubilaci\u00f3n: una soluci\u00f3n para cada necesidad\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/02\/natalia-bundo-foto-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/02\/natalia-bundo-foto-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2026\/02\/natalia-bundo-foto-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2026\/02\/18\/optimizar-el-bienestar-financiero-tras-la-jubilacion-una-solucion-para-cada-necesidad\/\">Optimizar el bienestar financiero tras la jubilaci\u00f3n: una soluci\u00f3n para cada necesidad<\/a><\/h2><div class=\"fusion-post-content-container\"><p>A partir de los 65 a\u00f1os se abre hoy una etapa vital mucho m\u00e1s larga que la que conocieron generaciones anteriores. En Espa\u00f1a, la esperanza de vida supera ya los 83 a\u00f1os, seg\u00fan datos del Instituto Nacional de Estad\u00edstica (INE), cuando en 1975 apenas rondaba los 73. Esto supone que, de media, una persona que se jubila a los 65 [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-9172\" class=\"fusion-post-medium-alternate post-9172 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">10<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/12\/10\/la-necesaria-revision-de-nuestra-prevision-social\/\" aria-label=\"La necesaria revisi\u00f3n de nuestra previsi\u00f3n social\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/12\/Pilar-Gonzalez-de-Frutos-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/12\/Pilar-Gonzalez-de-Frutos-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/12\/Pilar-Gonzalez-de-Frutos-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/12\/10\/la-necesaria-revision-de-nuestra-prevision-social\/\">La necesaria revisi\u00f3n de nuestra previsi\u00f3n social<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Tenemos en Espa\u00f1a la inmensa fortuna de ser una de las sociedades m\u00e1s longevas del mundo, con mayor esperanza de vida. Esta es una situaci\u00f3n feliz, pero nos genera ciertas presiones en nuestro sistema de pensiones que tenemos que gestionar.<\/p>\n<p>La factura demogr\u00e1fica crecer\u00e1 en 3,2 puntos de PIB entre 2023 y 2050 y el gasto relacionado con el envejecimiento aumentar\u00e1 [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-9027\" class=\"fusion-post-medium-alternate post-9027 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">17<\/span><span class=\"fusion-month-year\">11, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/11\/17\/el-empujon-necesario-puede-espana-por-fin-adoptar-el-autoenrolment\/\" aria-label=\"El empuj\u00f3n necesario: \u00bfpuede Espa\u00f1a por fin adoptar el autoenrolment?\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/02\/carlos-quero-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/02\/carlos-quero-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/02\/carlos-quero-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/11\/17\/el-empujon-necesario-puede-espana-por-fin-adoptar-el-autoenrolment\/\">El empuj\u00f3n necesario: \u00bfpuede Espa\u00f1a por fin adoptar el autoenrolment?<\/a><\/h2><div class=\"fusion-post-content-container\"><p>La verdad es que a muchos les quita el sue\u00f1o esa pregunta sobre la jubilaci\u00f3n: \u00bfser\u00e1 suficiente mi pensi\u00f3n p\u00fablica? Hay una idea brillante que est\u00e1 triunfando internacionalmente y que busca darnos tranquilidad: el <em>autoenrolment<\/em>, o adscripci\u00f3n autom\u00e1tica.<\/p>\n<p>Este mecanismo es un empuj\u00f3n sutil, un <em>nudge<\/em>. Lo que hace es inscribir autom\u00e1ticamente a los trabajadores en un plan de pensiones complementario [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8886\" class=\"fusion-post-medium-alternate post-8886 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">24<\/span><span class=\"fusion-month-year\">10, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/10\/24\/el-rol-insustituible-de-las-mutualidades-libertad-flexibilidad-y-la-defensa-de-nuestro-modelo-de-prevision\/\" aria-label=\"El rol insustituible de las mutualidades: Libertad, flexibilidad y la defensa de nuestro modelo de previsi\u00f3n\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/10\/fotonoticia_20250926145200_1920-1140x815-1-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Europa Press - Archivo\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/10\/fotonoticia_20250926145200_1920-1140x815-1-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/10\/fotonoticia_20250926145200_1920-1140x815-1-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/10\/24\/el-rol-insustituible-de-las-mutualidades-libertad-flexibilidad-y-la-defensa-de-nuestro-modelo-de-prevision\/\">El rol insustituible de las mutualidades: Libertad, flexibilidad y la defensa de nuestro modelo de previsi\u00f3n<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Como CEO y administrador de \u00d3ptima Energ\u00eda, y mutualista alternativo desde hace m\u00e1s de 15 a\u00f1os, he visto como mi mutualidad de previsi\u00f3n social ha sido el pilar de mi previsi\u00f3n social. Mi elecci\u00f3n no fue una casualidad, sino una decisi\u00f3n consciente para construir mi futuro con<strong> autonom\u00eda y visi\u00f3n a largo plazo<\/strong>.<\/p>\n<p>Actualmente, se est\u00e1 debatiendo el futuro de las [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8797\" class=\"fusion-post-medium-alternate post-8797 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">10<\/span><span class=\"fusion-month-year\">10, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/10\/10\/fortalecer-puentes-para-afrontar-el-reto-de-las-pensiones\/\" aria-label=\"Fortalecer puentes para afrontar el reto de las pensiones\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/10\/Maria-Teresa-Plo-scaled-e1760080436713-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/10\/Maria-Teresa-Plo-scaled-e1760080436713-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/10\/Maria-Teresa-Plo-scaled-e1760080436713-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/10\/10\/fortalecer-puentes-para-afrontar-el-reto-de-las-pensiones\/\">Fortalecer puentes para afrontar el reto de las pensiones<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Uno de los grandes desaf\u00edos que tenemos como sociedad es ser capaces de anticiparnos a los cambios que ya est\u00e1n aqu\u00ed: el envejecimiento de la poblaci\u00f3n, el impacto de las transformaciones econ\u00f3micas y laborales, y la necesidad de imaginar un sistema de pensiones que garantice la sostenibilidad y la equidad para las generaciones presentes y futuras. Desde la Fundaci\u00f3n Bosch [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8481\" class=\"fusion-post-medium-alternate post-8481 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">26<\/span><span class=\"fusion-month-year\">06, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/06\/26\/hipoteca-inversa-una-alternativa-cada-vez-mas-necesaria\/\" aria-label=\"Hipoteca inversa: una alternativa cada vez m\u00e1s necesaria\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/06\/Nuria-Lopez-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/06\/Nuria-Lopez-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/06\/Nuria-Lopez-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/06\/26\/hipoteca-inversa-una-alternativa-cada-vez-mas-necesaria\/\">Hipoteca inversa: una alternativa cada vez m\u00e1s necesaria<\/a><\/h2><div class=\"fusion-post-content-container\"><p>En Espa\u00f1a, m\u00e1s del 90% de las personas mayores de 65 a\u00f1os son propietarias de su vivienda. Sin embargo, en 2023 apenas se firmaron 409 hipotecas inversas y en 2025 esta cifra se redujo a 305 firmas. El dato resulta a\u00fan m\u00e1s llamativo si consideramos que hablamos de un producto regulado, supervisado por el Banco de Espa\u00f1a, y dise\u00f1ado espec\u00edficamente [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8382\" class=\"fusion-post-medium-alternate post-8382 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">2<\/span><span class=\"fusion-month-year\">06, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/06\/02\/el-potencial-de-las-mutualidades-como-instrumentos-complementarios-de-prevision-social\/\" aria-label=\"El potencial de las mutualidades como instrumentos complementarios de previsi\u00f3n social\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/05\/Francesc-Xavier-Erbas-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/05\/Francesc-Xavier-Erbas-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/05\/Francesc-Xavier-Erbas-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/06\/02\/el-potencial-de-las-mutualidades-como-instrumentos-complementarios-de-prevision-social\/\">El potencial de las mutualidades como instrumentos complementarios de previsi\u00f3n social<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Las mutualidades de previsi\u00f3n social representan una herramienta valiosa y vers\u00e1til dentro del sistema de previsi\u00f3n social. Estas entidades, que operan bajo principios de solidaridad y ayuda mutua, ofrecen una alternativa eficaz y flexible para cubrir necesidades de manera complementaria a los servicios que prestan los sistemas p\u00fablicos de seguridad social obligatoria.<\/p>\n<h4><strong>Origen y Principios Fundamentales<\/strong><\/h4>\n<p>Las mutualidades de previsi\u00f3n social tienen [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8320\" class=\"fusion-post-medium-alternate post-8320 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">29<\/span><span class=\"fusion-month-year\">04, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/04\/29\/como-nos-ayuda-el-estudio-de-la-economia-del-comportamiento-a-la-hora-de-afrontar-las-mejores-decisiones-en-el-entorno-profesional-o-empresarial\/\" aria-label=\"C\u00f3mo nos ayuda el estudio de la Econom\u00eda del Comportamiento a la hora de afrontar las mejores decisiones en el entorno profesional o empresarial\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/04\/Javier-Aon-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/04\/Javier-Aon-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/04\/Javier-Aon-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/04\/29\/como-nos-ayuda-el-estudio-de-la-economia-del-comportamiento-a-la-hora-de-afrontar-las-mejores-decisiones-en-el-entorno-profesional-o-empresarial\/\">C\u00f3mo nos ayuda el estudio de la Econom\u00eda del Comportamiento a la hora de afrontar las mejores decisiones en el entorno profesional o empresarial<\/a><\/h2><div class=\"fusion-post-content-container\"><p>En nuestro reciente <strong>Employee Sentiment Study<\/strong>, que recoge las expectativas y sentimientos de m\u00e1s de 9000 empleados de entre 18 y 65 a\u00f1os correspondiente a organizaciones con 500 o m\u00e1s empleados a nivel global de m\u00e1s de 20 pa\u00edses, se concluye que entre los 5 <strong>beneficios m\u00e1s valorados<\/strong> se incluye el <strong>ahorro para la jubilaci\u00f3n<\/strong> en un entorno de bienestar [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8235\" class=\"fusion-post-medium-alternate post-8235 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">27<\/span><span class=\"fusion-month-year\">03, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/03\/27\/global-money-week-dar-ese-like-no-te-renta\/\" aria-label=\"Global Money Week &#8211; Dar ese like no te renta\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Roberto-Espana-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Roberto-Espana-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/03\/Roberto-Espana-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/03\/27\/global-money-week-dar-ese-like-no-te-renta\/\">Global Money Week &#8211; Dar ese like no te renta<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Hace m\u00e1s de sesenta a\u00f1os que Bob Dylan cantaba que \u201clos tiempos est\u00e1n cambiando\u201d. Dec\u00eda Dylan que el agua crec\u00eda y que, si no \u00e9ramos conscientes de ello y aprend\u00edamos a nadar, pronto nos hundir\u00edamos como una piedra. Y efectivamente, las cosas cambiaron entonces y siguen cambiando hoy en d\u00eda. Ahora los retos son otros, pero son igualmente desafiantes.<\/p>\n<p>En esta [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-8118\" class=\"fusion-post-medium-alternate post-8118 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">28<\/span><span class=\"fusion-month-year\">02, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/02\/28\/es-el-momento-de-preguntarse-que-hacemos-y-de-dar-una-nueva-mirada-al-desarrollo-de-la-prevision-social-complementaria-en-espana\/\" aria-label=\"Es el momento de preguntarse que\u0301 hacemos y de dar una nueva mirada al desarrollo de la previsi\u00f3n social complementaria en Espa\u00f1a\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/02\/carlos-quero-320x202.jpeg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/02\/carlos-quero-320x202.jpeg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/02\/carlos-quero-700x441.jpeg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/02\/28\/es-el-momento-de-preguntarse-que-hacemos-y-de-dar-una-nueva-mirada-al-desarrollo-de-la-prevision-social-complementaria-en-espana\/\">Es el momento de preguntarse que\u0301 hacemos y de dar una nueva mirada al desarrollo de la previsi\u00f3n social complementaria en Espa\u00f1a<\/a><\/h2><div class=\"fusion-post-content-container\"><p>El Pacto de Toledo ha constituido un elemento fundamental en la consolidaci\u00f3n del modelo de pensiones p\u00fablicas en Espa\u00f1a, estableciendo asimismo directrices para el desarrollo de la Previsi\u00f3n Social Complementaria en su recomendaci\u00f3n decimosexta. No obstante, los sistemas de pensiones del Segundo Pilar se enfrentan actualmente a desaf\u00edos estructurales que requieren atenci\u00f3n inmediata.<\/p>\n<p>Desde su implementaci\u00f3n mediante la Ley de 1987, [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-7941\" class=\"fusion-post-medium-alternate post-7941 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">3<\/span><span class=\"fusion-month-year\">02, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/02\/03\/la-educacion-financiera-como-palanca-para-el-bienestar-financiero\/\" aria-label=\"La educaci\u00f3n financiera como palanca para el bienestar financiero\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/01\/Jordi-Martinez-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/01\/Jordi-Martinez-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2025\/01\/Jordi-Martinez-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2025\/02\/03\/la-educacion-financiera-como-palanca-para-el-bienestar-financiero\/\">La educaci\u00f3n financiera como palanca para el bienestar financiero<\/a><\/h2><div class=\"fusion-post-content-container\"><p>En la intersecci\u00f3n entre la estabilidad financiera y la calidad de vida, surge el concepto de bienestar financiero. Poniendo de relieve la importancia de mantener una buena salud financiera, si no tambi\u00e9n c\u00f3mo esta se entrelaza con nuestra salud f\u00edsica y mental. Tanto organizaciones globales como regionales est\u00e1n promoviendo activamente la educaci\u00f3n financiera como una herramienta clave para alcanzar un [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-7790\" class=\"fusion-post-medium-alternate post-7790 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">29<\/span><span class=\"fusion-month-year\">11, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/11\/29\/nuevas-oportunidades-de-desarrollo-de-instrumentos-propios-de-prevision-social-complementaria-en-las-comunidades-autonomas\/\" aria-label=\"Nuevas oportunidades de desarrollo de instrumentos propios de previsi\u00f3n social complementaria en las comunidades aut\u00f3nomas\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/11\/Manuel-Alvarez-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/11\/Manuel-Alvarez-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/11\/Manuel-Alvarez-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/11\/29\/nuevas-oportunidades-de-desarrollo-de-instrumentos-propios-de-prevision-social-complementaria-en-las-comunidades-autonomas\/\">Nuevas oportunidades de desarrollo de instrumentos propios de previsi\u00f3n social complementaria en las comunidades aut\u00f3nomas<\/a><\/h2><div class=\"fusion-post-content-container\"><p>La potenciaci\u00f3n de la previsi\u00f3n social complementaria profesional, correspondiente al segundo pilar del sistema de pensiones, parte de tres elementos:<\/p>\n<ol>\n<li><strong>Recomendaci\u00f3n 16.\u00aa del Pacto de Toledo 2020:<\/strong><br>\nEste documento destaca la importancia de fortalecer los sistemas sustentados en la negociaci\u00f3n colectiva, dot\u00e1ndolos de un r\u00e9gimen fiscal y jur\u00eddico diferenciado. Busca fomentar los instrumentos de previsi\u00f3n empresariales y robustecer la negociaci\u00f3n colectiva [\u2026]\n<\/li><\/ol><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-7527\" class=\"fusion-post-medium-alternate post-7527 post type-post status-publish format-standard has-post-thumbnail hentry category-eiopa category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">2<\/span><span class=\"fusion-month-year\">10, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/10\/02\/una-oportunidad-para-contribuir-al-futuro-de-las-pensiones-ocupacionales-en-europa\/\" aria-label=\"Una oportunidad para contribuir al futuro de las pensiones ocupacionales en Europa\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/10\/Merce-Opinion-EIOPA-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/10\/Merce-Opinion-EIOPA-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/10\/Merce-Opinion-EIOPA-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/10\/02\/una-oportunidad-para-contribuir-al-futuro-de-las-pensiones-ocupacionales-en-europa\/\">Una oportunidad para contribuir al futuro de las pensiones ocupacionales en Europa<\/a><\/h2><div class=\"fusion-post-content-container\"><p>El pasado 5 de julio, tuve la oportunidad de incorporarme al Grupo de Stakeholders de Pensiones Ocupacionales (OPSG, por sus siglas en ingl\u00e9s) de EIOPA, la Autoridad Europea de Seguros y Pensiones de Jubilaci\u00f3n. EIOPA es un organismo clave en la regulaci\u00f3n y supervisi\u00f3n del sector de seguros y pensiones ocupacionales en la Uni\u00f3n Europea. Su misi\u00f3n es garantizar la [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-7522\" class=\"fusion-post-medium-alternate post-7522 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">30<\/span><span class=\"fusion-month-year\">09, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/09\/30\/los-planes-de-empleo-concertar-para-construir\/\" aria-label=\"Los planes de empleo: concertar para construir\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/09\/Merce-Perea-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/09\/Merce-Perea-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/09\/Merce-Perea-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/09\/30\/los-planes-de-empleo-concertar-para-construir\/\">Los planes de empleo: concertar para construir<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Las \u00faltimas reformas del sistema de pensiones, el primer pilar del estado del bienestar, consolidan econ\u00f3mica, social y pol\u00edticamente nuestro sistema de protecci\u00f3n social. Un pilar insustituible y s\u00f3lido.<\/p>\n<p>A su vez, han servido para abrir una ventana de oportunidad al segundo pilar, concretamente, a los planes de pensiones de empleo basados en la negociaci\u00f3n colectiva.<\/p>\n<p>En nuestro pa\u00eds, seg\u00fan proclama la [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-7236\" class=\"fusion-post-medium-alternate post-7236 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">19<\/span><span class=\"fusion-month-year\">06, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/06\/19\/retos-actuales-de-la-prevision-social-en-espana\/\" aria-label=\"Retos actuales de la previsi\u00f3n social en Espa\u00f1a\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/mariano_jimenez-e1763369684240-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/mariano_jimenez-e1763369684240-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2020\/06\/mariano_jimenez-e1763369684240-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/06\/19\/retos-actuales-de-la-prevision-social-en-espana\/\">Retos actuales de la previsi\u00f3n social en Espa\u00f1a<\/a><\/h2><div class=\"fusion-post-content-container\"><p>Aunque existe un consenso generalizado sobre la necesidad de contar con un verdadero sistema mixto de pensiones (modelo de los tres pilares), con varias fuentes y proveedores de ingresos para la jubilaci\u00f3n, todav\u00eda estamos lejos de conseguirlo. El sistema p\u00fablico es el principal (y casi \u00fanico) proveedor de pensiones y los sistemas complementarios (empresariales e individuales) juegan todav\u00eda un papel [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-6956\" class=\"fusion-post-medium-alternate post-6956 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">23<\/span><span class=\"fusion-month-year\">04, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/04\/23\/la-eliminacion-de-la-alternativa-al-reta-no-beneficiaria-a-ningun-colectivo\/\" aria-label=\"La eliminaci\u00f3n de la alternativa al RETA no beneficiar\u00eda a ning\u00fan colectivo\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/04\/Susanna-Carmona-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/04\/Susanna-Carmona-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/04\/Susanna-Carmona-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/04\/23\/la-eliminacion-de-la-alternativa-al-reta-no-beneficiaria-a-ningun-colectivo\/\">La eliminaci\u00f3n de la alternativa al RETA no beneficiar\u00eda a ning\u00fan colectivo<\/a><\/h2><div class=\"fusion-post-content-container\"><p><strong>Las declaraciones de la ministra en el Senado del pasado 7 de marzo, manifestando la intenci\u00f3n del gobierno de eliminar a partir del 2027 la alternativa al RETA que ejercen hist\u00f3ricamente las mutualidades para los profesionales aut\u00f3nomos colegiados, son cuanto menos preocupantes.<\/strong><\/p>\n<p>Quisiera profundizar en lo que supondr\u00eda para miles de profesionales, ingenieros, m\u00e9dicos, arquitectos, procuradores, gestores administrativos y los propios [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-6643\" class=\"fusion-post-medium-alternate post-6643 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">26<\/span><span class=\"fusion-month-year\">02, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/02\/26\/jordi-gimenez-nuevo-gobierno-nuevos-retos-para-la-prevision-social\/\" aria-label=\"Nuevo Gobierno, nuevos retos para la previsi\u00f3n social\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/02\/Sede-Ministerio-Seg-Social-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/02\/Sede-Ministerio-Seg-Social-320x202.jpg 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/02\/Sede-Ministerio-Seg-Social-700x441.jpg 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/02\/26\/jordi-gimenez-nuevo-gobierno-nuevos-retos-para-la-prevision-social\/\">Nuevo Gobierno, nuevos retos para la previsi\u00f3n social<\/a><\/h2><div class=\"fusion-post-content-container\"><p><strong>Despu\u00e9s de las elecciones generales del pasado julio y la formaci\u00f3n del nuevo <\/strong><strong>G<\/strong><strong>obierno, se abre un nuevo per\u00edodo tras la etapa reformista que caracteriz\u00f3 la anterior legislatura. <\/strong><\/p>\n<p>La Seguridad Social, como primer pilar de la previsi\u00f3n social, tiene un papel vertebrador, tanto en lo social como en lo econ\u00f3mico. Por ello, se debe destacar la recuperaci\u00f3n del consenso en [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-6576\" class=\"fusion-post-medium-alternate post-6576 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">23<\/span><span class=\"fusion-month-year\">02, 2024<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/02\/23\/aitor-emaldi-eapspi-una-asociacion-europea-para-el-intercambio-de-conocimiento-experiencias-y-buenas-practicas-sobre-la-prevision-social-del-sector-publico\/\" aria-label=\"EAPSPI, una asociaci\u00f3n europea para el intercambio de conocimiento, experiencias y buenas pr\u00e1cticas sobre la previsi\u00f3n social del sector p\u00fablico\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/02\/EAPSPI-Opinion-320x202.png\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/02\/EAPSPI-Opinion-320x202.png 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2024\/02\/EAPSPI-Opinion-700x441.png 700w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2024\/02\/23\/aitor-emaldi-eapspi-una-asociacion-europea-para-el-intercambio-de-conocimiento-experiencias-y-buenas-practicas-sobre-la-prevision-social-del-sector-publico\/\">EAPSPI, una asociaci\u00f3n europea para el intercambio de conocimiento, experiencias y buenas pr\u00e1cticas sobre la previsi\u00f3n social del sector p\u00fablico<\/a><\/h2><div class=\"fusion-post-content-container\"><p><strong>La Asociaci\u00f3n Europea de Instituciones del Sector P\u00fablico (EAPSPI, \u201cEuropean Association of Public Sector Pension Institutions\u201d) naci\u00f3 como un club de gestores para intercambiar experiencias y la problem\u00e1tica del sector p\u00fablico; con el tiempo, adopt\u00f3 la forma jur\u00eddica de asociaci\u00f3n y estuvo radicada en Burdeos (Francia), desde donde se traslad\u00f3 a su actual sede en Munich (Alemania).<\/strong><\/p>\n<p>EAPSPI comprende 20 instituciones [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<article id=\"blog-1-post-6195\" class=\"fusion-post-medium-alternate post-6195 post type-post status-publish format-standard has-post-thumbnail hentry category-opinion\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">5<\/span><span class=\"fusion-month-year\">12, 2023<\/span><\/div><div class=\"fusion-format-box\"><i class=\"fusion-icon-pen\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\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 fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\n\t\n\t\t<a href=\"https:\/\/www.ub.edu\/private-pensions\/2023\/12\/05\/educacion-financiera-avanzamos-entre-todos\/\" aria-label=\"Educaci\u00f3n financiera: avanzamos entre todos\">\n\t\t\t\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-320x202.png\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-200x126.png 200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-300x189.png 300w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-320x202.png 320w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-400x251.png 400w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-600x377.png 600w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-700x441.png 700w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-768x483.png 768w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-800x503.png 800w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-1024x644.png 1024w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-1200x754.png 1200w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV-1536x966.png 1536w, https:\/\/www.ub.edu\/private-pensions\/wp-content\/uploads\/2023\/12\/CMNV.png 1880w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>\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 post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/www.ub.edu\/private-pensions\/2023\/12\/05\/educacion-financiera-avanzamos-entre-todos\/\">Educaci\u00f3n financiera: avanzamos entre todos<\/a><\/h2><div class=\"fusion-post-content-container\"><p>El Plan de Educaci\u00f3n Financiera (PEF) es un proyecto colaborativo promovido por la Comisi\u00f3n Nacional del Mercado de Valores (CNMV), el Banco de Espa\u00f1a y el Ministerio de Econom\u00eda, Comercio y Empresa, en el que, bajo la marca de \u201cFinanzas para Todos\u201d, participan m\u00e1s de 50 instituciones. Su finalidad \u00faltima es incrementar la educaci\u00f3n financiera de los espa\u00f1oles.<\/p>\n<p>La Educaci\u00f3n Financiera [\u2026]<\/p>\n<\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/article>\n<\/div><div class=\"fusion-infinite-scroll-trigger\"><\/div><div class=\"pagination infinite-scroll clearfix\" style=\"display:none;\"><span class=\"current\">1<\/span><a href=\"https:\/\/www.ub.edu\/private-pensions\/wp-json\/wp\/v2\/pages\/6405\/page\/2\/\" class=\"inactive\">2<\/a><a class=\"pagination-next\" href=\"https:\/\/www.ub.edu\/private-pensions\/wp-json\/wp\/v2\/pages\/6405\/page\/2\/\"><span class=\"page-text\">Siguiente<\/span><span class=\"page-next\"><\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_3 fusion-builder-column-2 fusion-one-third fusion-column-first 1_3\"  style='margin-top:0px;margin-bottom:20px;width:30.6666%; 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-search-element fusion-search-form-classic\">\t\t<form role=\"search\" class=\"searchform fusion-search-form  fusion-live-search fusion-search-form-classic\" method=\"get\" action=\"https:\/\/www.ub.edu\/private-pensions\/\">\n\t\t\t<div class=\"fusion-search-form-content\">\n\n\t\t\t\t\n\t\t\t\t<div class=\"fusion-search-field search-field\">\n\t\t\t\t\t<label><span class=\"screen-reader-text\">Buscar:<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input type=\"search\" class=\"s fusion-live-search-input\" name=\"s\" id=\"fusion-live-search-input\" autocomplete=\"off\" placeholder=\"Buscar\" required aria-required=\"true\" aria-label=\"\"\/>\n\t\t\t\t\t\t\t\t\t\t\t<\/label>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"fusion-search-button search-button\">\n\t\t\t\t\t<input type=\"submit\" class=\"fusion-search-submit searchsubmit\" value=\"&#xf002;\" \/>\n\t\t\t\t\t\t\t\t\t\t<div class=\"fusion-slider-loading\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<input type=\"hidden\" name=\"post_type[]\" value=\"post\" \/><input type=\"hidden\" name=\"fs\" value=\"1\" \/>\n\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t<div class=\"fusion-search-results-wrapper\"><div class=\"fusion-search-results\"><\/div><\/div>\n\t\t\t\n\t\t<\/form>\n\t\t<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-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-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-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-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-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-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-2 .pagination a.inactive:hover, .fusion-fullwidth.fusion-builder-row-2 .fusion-filters .fusion-filter.fusion-active a {border-color: #607d8b;}.fusion-fullwidth.fusion-builder-row-2 .pagination .current {border-color: #607d8b; 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