Resumen

NAVA BOLANOS, Isalia  y  HAM CHANDE, Roberto. Demographic dividends and retirement pensions in México. Pap. poblac [online]. 2006, vol.12, n.50, pp.71-95. ISSN 2448-7147.

Social security should be a main of the demographic al dividends. Retirement pensions must be the saving and investment mechanisms of the first dividend to create and maintain the second dividend. However, in Mexico there is a financial crisis due to the lack of coverage, insufficient benefits, union's privileges and actuarial unbalance. Mexican Social Security Institute (IMSS) changed to an individual capitalization of its pensions system, this modality does not turn into productive savings, compromises protection capacity and decreases social, economic and health investment opportunities. Here the demographical transition, social security and savings and expenditure schemes in the retirement systems from 1944 to 2005 that must be part of the first dividend are analyzed. Conditions up to 2024 are projected in order to complete the diagnostic of a first dividend with a risk of failure. Finally, the possibilities of a second dividend are analyzed and alternatives are proposed.

Palabras llave : Demographical dividend; demographical aging; pensions system; savings for retirement; social security; Mexico.

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