{"id":212410,"date":"2026-04-24T13:59:35","date_gmt":"2026-04-24T17:59:35","guid":{"rendered":"https:\/\/infoelnuevonorte.com\/?p=212410"},"modified":"2026-04-24T13:59:36","modified_gmt":"2026-04-24T17:59:36","slug":"el-dilema-del-retiro-lo-queremos-pero-lo-estamos-construyendo","status":"publish","type":"post","link":"https:\/\/infoelnuevonorte.com\/?p=212410","title":{"rendered":"El dilema del retiro: lo queremos, pero \u00bflo estamos construyendo?"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-212410-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2026\/04\/ttsmaker-vip-file-2026-4-24-13-58-45.mp3?_=1\" \/><a href=\"https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2026\/04\/ttsmaker-vip-file-2026-4-24-13-58-45.mp3\">https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2026\/04\/ttsmaker-vip-file-2026-4-24-13-58-45.mp3<\/a><\/audio>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Haber\u00a0<strong>vivido en 4 pa\u00edses<\/strong>\u00a0diferentes, trabajado en otras decenas y compartido mucho con tantas nacionalidades diferentes me ha llevado a ver que no todas las naciones ven el\u00a0<strong>retiro<\/strong>\u00a0de igual manera.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Incluso dentro de los mismos pa\u00edses hay personas que piensan diferente. Pero encuentro\u00a0<strong>factores comunes<\/strong>\u00a0que\u00a0<strong>deseo resaltar<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Los alemanes han sido longevos y de\u00a0<strong>pocos descendientes<\/strong>\u00a0desde hace mucho, esto los hizo pensar en de qu\u00e9 vivir desde hace varias generaciones. El tema del\u00a0<strong>retiro<\/strong>\u00a0es algo natural y de mucha preocupaci\u00f3n.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Ellos se ven\u00a0<strong>viajando por el mundo<\/strong> al momento de dejar de trabajar. Vieron a sus padres hacerlo y lo quieren para ellos. Lo \u00fanico es que las realidades cambian, ya el sistema no es de reparto, tienen que encargarse por s\u00ed solos de la mitad de su ingreso futuro.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">El\u00a0<strong>retiro en Latinoam\u00e9rica<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">En Am\u00e9rica Latina la\u00a0<strong>longevidad lleg\u00f3<\/strong>\u00a0sin esperarla. Por suerte nuestras abuelitas tuvieron muchos hijos y ellos se convirtieron en sus padres. Muchos no han procesado esto a\u00fan por no venir en el ADN. Pedir ayuda a los gobiernos es la\u00a0<strong>soluci\u00f3n tard\u00eda<\/strong>\u00a0para los que no hicieron un\u00a0<strong>patrimonio<\/strong>\u00a0que les mantenga.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">De esto se ha aprovechado mucho el populismo del siglo veintiuno. Y\u00a0<strong>muchos han cre\u00eddo<\/strong>\u00a0que en el futuro alg\u00fan\u00a0<strong>gobierno se encargar\u00e1<\/strong>\u00a0de ellos.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">\u00bfC\u00f3mo se ve nuestra sociedad? \u00bfViajando para disfrutar lo construido en la etapa de mucho tiempo ocioso? \u00bfO siendo\u00a0<strong>hijos de sus hijos<\/strong>? O sea, que ellos los mantengan.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Es una\u00a0<strong>paradoja<\/strong>, quisi\u00e9ramos\u00a0<strong>viajar y disfrutar<\/strong>\u00a0en el futuro, pero no dejamos de disfrutar una parte hoy para construir ese mejor futuro.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Muchos me dicen que el\u00a0<strong>dinero no alcanza<\/strong>, pero toman pr\u00e9stamos que se pasar\u00e1n 7 a\u00f1os pagando para disfrutar de un veh\u00edculo. Se pasan de contentos con las\u00a0<strong>tarjetas de cr\u00e9dito<\/strong>\u00a0y pagan por a\u00f1os esos\u00a0<strong>disfrutes prematuros<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Si no alcanzara el dinero, \u00bfpudieran las\u00a0<strong>instituciones financieras<\/strong>\u00a0disfrutar tanto del beneficio de este tipo de pr\u00e9stamos?<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Ni hablar del\u00a0<strong>caudal infinito<\/strong>\u00a0que sale del bolsillo de la gente hacia las\u00a0<strong>bancas de apuestas<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">La verdad que nos espera es que\u00a0<strong>solo tendremos<\/strong>\u00a0<strong>lo que construimos<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Debido a que nuestra\u00a0<strong>expectativa de vida<\/strong>\u00a0aumenta, el\u00a0<strong>retiro<\/strong>\u00a0es cada d\u00eda m\u00e1s importante. Con ella aumenta la necesidad de un\u00a0<strong>patrimonio<\/strong> que nos mantenga por m\u00e1s tiempo.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">La\u00a0<strong>soluci\u00f3n<\/strong>\u00a0no es tener suficiente dinero para ir gastando como si fuera el salario. Tener un\u00a0<strong>patrimonio inagotable<\/strong>\u00a0es lo m\u00e1s sensato. Pueden ser inversiones en\u00a0<strong>instrumentos financieros<\/strong>\u00a0(preferiblemente de renta fija), inmuebles u otras opciones, como ense\u00f1o por extenso en mi libro\u00a0<em>Arco Iris Financiero<\/em>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Es importante\u00a0<strong>gastar menos<\/strong>\u00a0de lo que se recibe, de lo contrario no venceremos a la inflaci\u00f3n ni a los costos que se van agregando con los a\u00f1os, como las medicinas. Lo que har\u00e1 que tengamos que consumir el\u00a0<strong>patrimonio<\/strong> poco a poco.\u00a0 \u00a0\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">El\u00a0<strong>patrimonio<\/strong>\u00a0que necesitar\u00e1 cada uno es diferente, debemos\u00a0<strong>calcularlo y construirlo<\/strong>, para as\u00ed vivir bien el presente y mejor el futuro.<\/span><\/p>\n<div class=\"read-more mb-7\" style=\"text-align: justify;\">\u00a0<\/div>\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"DenunciayAPP\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><a href=\"https:\/\/whatsapp.com\/channel\/0029Va88WGP2ER6ZxD6TCa3U\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-155512\" 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https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/05\/badge-google-play-and-app-store-button-download-free-png-150x49.webp 150w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/05\/badge-google-play-and-app-store-button-download-free-png-696x228.webp 696w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/05\/badge-google-play-and-app-store-button-download-free-png-1068x350.webp 1068w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/05\/badge-google-play-and-app-store-button-download-free-png-200x66.webp 200w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/><\/mark><\/a><\/div>\n<\/div>\n\n\n\n<p style=\"text-align: justify;\"><strong data-start=\"0\" data-end=\"18\" data-is-only-node=\"\"><a href=\"https:\/\/infoelnuevonorte.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-159681 alignleft\" src=\"https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco.jpg\" alt=\"\" width=\"240\" height=\"86\" srcset=\"https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco.jpg 1696w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-300x108.jpg 300w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-1024x367.jpg 1024w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-768x275.jpg 768w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-1536x551.jpg 1536w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-1172x420.jpg 1172w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-150x54.jpg 150w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-696x250.jpg 696w, https:\/\/infoelnuevonorte.com\/wp-content\/uploads\/2025\/11\/Logo-3d-infoenn-con-fondo-blanco-1068x383.jpg 1068w\" sizes=\"(max-width: 240px) 100vw, 240px\" \/><\/a>El Nuevo Norte<\/strong> es un peri\u00f3dico digital dominicano fundado el <strong data-start=\"65\" data-end=\"90\">12 de febrero de 2006<\/strong> por el periodista <strong data-start=\"109\" data-end=\"129\">Junior Henr\u00edquez<\/strong>, quien funge como director y fundador. A trav\u00e9s de la web <strong data-start=\"188\" data-end=\"212\">infoelnuevonorte.com<\/strong>, el medio ofrece informaci\u00f3n veraz y oportuna sobre los acontecimientos sociales, pol\u00edticos, comunitarios y de actualidad general, tanto a nivel nacional como internacional, promoviendo un periodismo responsable, participativo y comprometido con la libre expresi\u00f3n y el fortalecimiento de la democracia informativa.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Haber\u00a0vivido en 4 pa\u00edses\u00a0diferentes, trabajado en otras decenas y compartido mucho con tantas nacionalidades diferentes me ha llevado a ver que no todas las naciones ven el\u00a0retiro\u00a0de igual manera. Incluso dentro de los mismos pa\u00edses hay personas que piensan diferente. Pero encuentro\u00a0factores comunes\u00a0que\u00a0deseo resaltar. Los alemanes han sido longevos y de\u00a0pocos descendientes\u00a0desde hace mucho, esto [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":212412,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,88],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El dilema del retiro: lo queremos, pero \u00bflo estamos construyendo? | El Nuevo Norte<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/infoelnuevonorte.com\/?p=212410\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El dilema del retiro: lo queremos, pero \u00bflo estamos construyendo? | El Nuevo Norte\" \/>\n<meta property=\"og:description\" content=\"Haber\u00a0vivido en 4 pa\u00edses\u00a0diferentes, trabajado en otras decenas y compartido mucho con tantas nacionalidades diferentes me ha llevado a ver que no todas las naciones ven el\u00a0retiro\u00a0de igual manera. Incluso dentro de los mismos pa\u00edses hay personas que piensan diferente. Pero encuentro\u00a0factores comunes\u00a0que\u00a0deseo resaltar. 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