<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>2448-6655</journal-id>
<journal-title><![CDATA[Análisis económico]]></journal-title>
<abbrev-journal-title><![CDATA[Anál. econ.]]></abbrev-journal-title>
<issn>2448-6655</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma Metropolitana, Unidad Azcapotzalco, División de Ciencias Sociales y Humanidades]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S2448-66552022000100007</article-id>
<article-id pub-id-type="doi">10.24275/uam/azc/dcsh/ae/2022v37n94/triberti</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[Savings and collective behavioral patterns in Mexico&#8217;s pension system]]></article-title>
<article-title xml:lang="es"><![CDATA[Ahorro y patrones de comportamiento colectivo en el sistema de pensiones de México]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Triberti]]></surname>
<given-names><![CDATA[Giuliana]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Massa]]></surname>
<given-names><![CDATA[Ricardo]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Tecnológico de Monterrey Escuela de Ciencias Sociales y Gobierno Departamento de Economía]]></institution>
<addr-line><![CDATA[Ciudad de México ]]></addr-line>
<country>Mexico</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Centro de Investigación y Docencia Económicas  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Mexico</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>04</month>
<year>2022</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>04</month>
<year>2022</year>
</pub-date>
<volume>37</volume>
<numero>94</numero>
<fpage>7</fpage>
<lpage>21</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S2448-66552022000100007&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S2448-66552022000100007&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S2448-66552022000100007&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract Countries like Mexico, with highly informal labor markets, could benefit from the identification of collective attitudes and behaviors towards saving. In that sense, the present work seeks to build on the Behavioral Life Cycle Theory (BLC) narrow/broad framing debate, pointing out asymmetric collective attitudes towards savings, depending on the formal or informal condition of agents in the labor market. Through an empirical strategy that focuses on data from the Mexican labor market and its pension system, the analysis employs time series techniques to study the collective relationship between two kinds of savings, voluntary and mandatory, and the distinction of the type of labor market participation. Results suggest that there is a short-run asymmetric relationship between informal and formal conditions with regards to the decision of modifying voluntary and mandatory saving schemes.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen Países como México, con mercados laborales altamente informales, podrían beneficiarse de la identificación de actitudes y comportamientos colectivos hacia el ahorro. En ese sentido, el presente trabajo busca construir sobre el debate del marco de decisiones a corto/largo plazo de la Teoría Conductual del Ciclo de Vida (BLC), recalcando actitudes colectivas asimétricas hacia el ahorro dependiendo de la condición formal o informal de los agentes en el mercado laboral. A través de una estrategia empírica centrada en datos del mercado laboral mexicano y su sistema de pensiones, el análisis emplea técnicas de series de tiempo para estudiar la relación colectiva entre dos tipos de ahorro, el voluntario y el obligatorio, y los distintos tipos de participación en el mercado laboral. Los resultados sugieren que existe una relación asimétrica de corto plazo entre las condiciones informales y formales respecto a las decisiones bajo los esquemas de ahorro voluntario y obligatorio.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Life Cycle Hypothesis]]></kwd>
<kwd lng="en"><![CDATA[Savings]]></kwd>
<kwd lng="en"><![CDATA[Informality]]></kwd>
<kwd lng="en"><![CDATA[Time-Series Model]]></kwd>
<kwd lng="en"><![CDATA[VAR Models]]></kwd>
<kwd lng="en"><![CDATA[C32]]></kwd>
<kwd lng="en"><![CDATA[D14]]></kwd>
<kwd lng="en"><![CDATA[D15]]></kwd>
<kwd lng="en"><![CDATA[E21]]></kwd>
<kwd lng="en"><![CDATA[E26]]></kwd>
<kwd lng="es"><![CDATA[Hipótesis del Ciclo de Vida]]></kwd>
<kwd lng="es"><![CDATA[Ahorros]]></kwd>
<kwd lng="es"><![CDATA[Informalidad]]></kwd>
<kwd lng="es"><![CDATA[Modelo de Series de Tiempo]]></kwd>
<kwd lng="es"><![CDATA[Modelos VAR]]></kwd>
<kwd lng="es"><![CDATA[C32]]></kwd>
<kwd lng="es"><![CDATA[D14]]></kwd>
<kwd lng="es"><![CDATA[D15]]></kwd>
<kwd lng="es"><![CDATA[E21]]></kwd>
<kwd lng="es"><![CDATA[E26]]></kwd>
</kwd-group>
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