{"id":238578,"date":"2025-12-05T05:31:16","date_gmt":"2025-12-05T05:31:16","guid":{"rendered":"https:\/\/adamfayed.com\/?p=238578"},"modified":"2025-12-05T05:31:17","modified_gmt":"2025-12-05T05:31:17","slug":"are-un-pensions-good","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/retirement\/pension\/are-un-pensions-good\/","title":{"rendered":"\u00bfSon buenas o malas las pensiones de la ONU?"},"content":{"rendered":"<p>UN pensions are generally considered strong and reliable, providing staff with predictable lifetime income, survivor benefits, and disability coverage.<\/p>\n\n\n\n<p>They are fully funded, professionally managed, and backed by contributions from both staff and the UN.<\/p>\n\n\n\n<p><strong>Este art\u00edculo trata:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>What is considered a good retirement pension?<\/li>\n\n\n\n<li>What are the benefits of a UN pension?<\/li>\n\n\n\n<li>Which pension system is best?<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Principales conclusiones:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>UN pensions offer secure, predictable lifetime income.<\/li>\n\n\n\n<li>Staff contribute 7.9%, with the UN adding over 15%.<\/li>\n\n\n\n<li>The UNJSPF is a $95B professionally managed global fund.<\/li>\n\n\n\n<li>UN pension is strong, reliable, and widely regarded as a top international scheme.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>If you&#8217;re a UN staff member and have questions, feel free to reach out at hello@adamfayed.com or WhatsApp +44-7393-450-837.<\/p>\n\n\n\n<p>La informaci\u00f3n contenida en este art\u00edculo es meramente orientativa. No constituye asesoramiento financiero, jur\u00eddico o fiscal, ni una recomendaci\u00f3n o solicitud de inversi\u00f3n. Algunos hechos pueden haber cambiado desde el momento de su redacci\u00f3n.<\/p>\n\n\n\n<img decoding=\"async\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/CTA_5_final_-512x288.jpg\" usemap=\"#image-map\" alt=\"Discover How We Can Address Your Financial Pain Points\">\n\n<map name=\"image-map\">\n    <area href=\"https:\/\/adamfayed.com\/subscribe\/\" target=\"_blank\" alt=\"Subscribe Free\" title=\"Suscr\u00edbase gratis\" coords=\"72,217,198,252\" shape=\"rect\">\n    <area href=\"https:\/\/adamfayed.com\/contact\/\" target=\"_blank\" alt=\"Discover Now\" title=\"Desc\u00fabrelo ahora\" coords=\"303,217,429,252\" shape=\"rect\">\n<\/map>\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is considered a good pension scheme?<\/strong><\/h2>\n\n\n\n<p>Una buena <a href=\"https:\/\/adamfayed.com\/es\/personal-financial-planning\/pensions\/\">pensi\u00f3n<\/a> scheme generally provides long-term financial security, predictable benefits, and protection against inflation and economic uncertainty.<\/p>\n\n\n\n<p>Las caracter\u00edsticas clave incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lifetime income or guaranteed <a href=\"https:\/\/adamfayed.com\/es\/personal-financial-planning\/the-retirement-plan-guide\/retirement-income-strategies\/\">retirement payments<\/a><\/li>\n\n\n\n<li>Employer contributions that supplement personal savings<\/li>\n\n\n\n<li>Portability or transfer options for globally mobile employees<\/li>\n\n\n\n<li>Strong fund management and regulatory oversight<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>The UN pension ticks most of these boxes, offering staff a stable, professionally managed, and globally recognized <a href=\"https:\/\/adamfayed.com\/es\/financial-planning\/personal-financial-planning\/the-retirement-plan-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\">plan de jubilaci\u00f3n<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is it worth being in a UN pension scheme?<\/strong><\/h2>\n\n\n\n<p>Yes, being in a UN pension program is worthwhile due to its strong financial and career benefits.<\/p>\n\n\n\n<p>Participation in the United Nations Joint Staff Pension Fund (UNJSPF) provides:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Defined benefit structure ensuring predictable lifetime income<\/li>\n\n\n\n<li>Optional lump sum up to one-third of pension for flexibility<\/li>\n\n\n\n<li>Survivor and disability coverage<\/li>\n\n\n\n<li>Integration with other benefits, including tax-free salary, health insurance, and education grants for dependents<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Even for short-term staff, contributing to the UN pension builds entitlement and may provide a withdrawal settlement if service is less than five years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How much is the UN pension fund?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image alignright size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"342\" height=\"512\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/11\/ARE-UN-PENSIONS-GOOD-342x512.jpg\" alt=\"UN Pensions\" class=\"wp-image-238580\" style=\"width:246px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/11\/ARE-UN-PENSIONS-GOOD-342x512.jpg 342w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/11\/ARE-UN-PENSIONS-GOOD-200x300.jpg 200w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/11\/ARE-UN-PENSIONS-GOOD-scaled.jpg 550w\" sizes=\"(max-width: 342px) 100vw, 342px\" \/><figcaption class=\"wp-element-caption\"><em><sub><sup>Imagen de freepik<\/sup><\/sub><\/em><\/figcaption><\/figure>\n<\/div>\n\n\n\n<p>The UN pension fund has net assets of about US $95 billion, as of 2024.<\/p>\n\n\n\n<p>Its diversified portfolio and professional management allow it to generate steady, long-term returns, ensuring sustainability for both current and future retirees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Which country has the best pension in the world?<\/strong><\/h2>\n\n\n\n<p>Countries with the best pension systems include the Netherlands, Iceland and Denmark.<\/p>\n\n\n\n<p>Seg\u00fan la <a href=\"https:\/\/www.cfainstitute.org\/about\/press-room\/2024\/2024-mercer-cfa-institute-global-pension-index\" target=\"_blank\" rel=\"noopener\">2024 Mercer CFA Institute Global Pension Index<\/a> (MCGPI), the Netherlands ranks first with an overall score of 84.8 out of 100. Iceland follows with 83.4 and Denmark ranks third with 81.6.<\/p>\n\n\n\n<p>That index assesses each system on pension adequacy (how much retirees receive), sustainability (ability to maintain benefits long\u2011term), and integrity (governance and regulation).<\/p>\n\n\n\n<p>In 2024:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Netherlands led in adequacy.<\/li>\n\n\n\n<li>Iceland scored highest for sustainability.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>These consistent high ratings across key metrics explain why these countries are widely regarded as offering the best pension systems globally.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Which countries have the worst pension system in the world?<\/strong><\/h2>\n\n\n\n<p>The pension systems ranked lowest globally in recent <a href=\"https:\/\/affairscloud.com\/mercer-cfa-global-pension-index-2025-netherlands-tops-india-ranked-52nd\/\" target=\"_blank\" rel=\"noopener\">Mercer CFA index<\/a> editions include India, Philippines, Argentina and T\u00fcrkiye.<\/p>\n\n\n\n<p>Key weaknesses of these low\u2011scoring pension systems:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very low benefit adequacy, meaning retirees often receive only a small fraction of pre-retirement income.<\/li>\n\n\n\n<li>Weak long-term sustainability, due to demographic pressures, low coverage by formal pension schemes and under\u2011funded public pensions.<\/li>\n\n\n\n<li>Poor system integrity and governance, including irregular contributions, limited regulation, and insufficient protection for retirees.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>These conditions make it difficult for working people in those countries to count on pensions as reliable retirement income, highlighting how much pension outcomes can vary globally.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3n<\/strong><\/h2>\n\n\n\n<p>The UN pension stands out as a well-funded, internationally managed plan that provides staff with dependable retirement income, survivor protections, and additional financial security.<\/p>\n\n\n\n<p>While pension quality varies widely across the world, the UNJSPF exemplifies how strong governance, professional management, and balanced contributions can create a system that is both sustainable and reliable for long-term retirees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Preguntas frecuentes<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-1764327972384\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Is it really worth having a pension?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. A pension provides predictable, long-term retirement income, often with employer contributions and protections that personal savings alone cannot match.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764327979142\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Why are pensions in trouble?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Many national systems face demographic shifts, underfunding, and economic pressures, leading to potential reductions in benefits or delayed eligibility.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764327987245\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Is it possible to lose your pension?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>For the UN pension, it is very unlikely to lose your benefits.<\/p>\n<p>Permanent loss mainly occurs if you leave early with a withdrawal settlement or, in rare cases, due to serious misconduct.<\/p>\n<p>Administrative issues like missing documents may delay, but not cancel, payments.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>UN pensions are generally considered strong and reliable, providing staff with predictable lifetime income, survivor benefits, and disability coverage. They are fully funded, professionally managed, and backed by contributions from both staff and the UN. This article covers: Key Takeaways: If you&#8217;re a UN staff member and have questions, feel free to reach out at [&hellip;]<\/p>\n","protected":false},"author":60,"featured_media":238582,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11614],"tags":[],"class_list":["post-238578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pension"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/238578","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=238578"}],"version-history":[{"count":2,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/238578\/revisions"}],"predecessor-version":[{"id":241152,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/238578\/revisions\/241152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/238582"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=238578"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=238578"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=238578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}