{"id":5676,"date":"2016-01-28T16:45:00","date_gmt":"2016-01-28T21:45:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/universal-portable-retirement-savings-plan-proposal-introduced-in-senate\/"},"modified":"2023-07-24T11:09:48","modified_gmt":"2023-07-24T15:09:48","slug":"universal-portable-retirement-savings-plan-proposal-introduced-in-senate","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/universal-portable-retirement-savings-plan-proposal-introduced-in-senate\/","title":{"rendered":"Propuesta de plan de ahorro para la jubilaci\u00f3n universal y port\u00e1til presentada en el Senado"},"content":{"rendered":"<p>\u00bfPor qu\u00e9 no deber\u00edan todos tener el mismo tipo de programa de jubilaci\u00f3n que disfrutan los miembros del Congreso y los trabajadores federales? Buena pregunta. El senador estadounidense Jeff Merkley (D-Ore.) cree que todos deber\u00edan hacerlo.<\/p>\n<p>Merkley present\u00f3 hoy la&nbsp;<a href=\"http:\/\/www.merkley.senate.gov\/es\/american-savings-act\/\">Ley de ahorro estadounidense<\/a>, que dar\u00eda a todos los estadounidenses que no est\u00e1n cubiertos por un plan de jubilaci\u00f3n en el trabajo la oportunidad de abrir un plan de jubilaci\u00f3n &quot;universal, port\u00e1til y simple&quot; similar al disponible para los empleados federales.&nbsp;<\/p>\n<p>\u201cNo deber\u00eda importar si trabaja a tiempo parcial o completo, como empleado o contratista, o para una gran corporaci\u00f3n o una peque\u00f1a empresa: todo trabajador estadounidense merece acceso a una jubilaci\u00f3n financieramente segura\u201d, dijo Merkley. \u201cCon las pensiones del sector privado cada vez m\u00e1s raras, el Seguro Social y los ahorros para la jubilaci\u00f3n son m\u00e1s importantes que nunca para la seguridad de la jubilaci\u00f3n, raz\u00f3n por la cual debemos fortalecer el Seguro Social y ampliar las opciones de ahorro para la jubilaci\u00f3n de alta calidad para todos los trabajadores\u201d.<\/p>\n<p>Merkley dijo que su plan ayudar\u00eda a los trabajadores estadounidenses a \u201cahorrar f\u00e1cil y autom\u00e1ticamente para la jubilaci\u00f3n con beneficios fiscales, tarifas m\u00ednimas y los mismos tipos de opciones de inversi\u00f3n de alta calidad que ya disfrutan los trabajadores federales y los miembros del Congreso\u201d.<\/p>\n<h3><b>El sistema actual falla<\/b><\/h3>\n<p>La acci\u00f3n de Merkley coincide con el lanzamiento de hoy por parte del Center for American Progress Action Fund de&nbsp;<a href=\"https:\/\/www.americanprogressaction.org\/issues\/economy\/report\/2016\/01\/28\/128146\/improving-americans-retirement-outcomes-through-the-national-savings-plan\/\">un nuevo informe<\/a>&nbsp;recomendando un programa similar al de Merkley.<\/p>\n<p>\u201cCuando los trabajadores no tienen acceso a un plan de jubilaci\u00f3n en su lugar de trabajo, ya sea porque su empleador no ofrece uno o por la naturaleza de su trabajo, es poco probable que ahorren para la jubilaci\u00f3n\u201d, dijo David Madland, investigador principal de CAP Action. . \u201cAmpliar el acceso a un plan estilo TSP podr\u00eda ayudar a apuntalar nuestro sistema de jubilaci\u00f3n privado, que actualmente no satisface las necesidades de una parte importante de nuestra fuerza laboral, y ofrecer una jubilaci\u00f3n m\u00e1s segura a millones de estadounidenses\u201d.<\/p>\n<p>La medida de Merkley gan\u00f3 el apoyo de Main Street Alliance, que representa a las peque\u00f1as empresas.<\/p>\n<p>\u201cLas empresas miembros de Main Street Alliance aplauden el liderazgo del Senador Merkley en este tema importante\u201d, dijo Amanda Ballantyne, directora nacional de Main Street Alliance. \u201cEsperamos trabajar juntos para garantizar que el Sue\u00f1o Americano de jubilarse c\u00f3modamente despu\u00e9s de toda una vida de trabajo est\u00e9 al alcance de los propietarios de peque\u00f1as empresas y sus empleados\u201d.<\/p>\n<p>La legislaci\u00f3n tambi\u00e9n cuenta con el apoyo de AARP y UNITE HERE.<\/p>\n<h3><b>detalles del plan<\/b><\/h3>\n<p>La Ley de Ahorros Estadounidenses establecer\u00eda un nuevo plan universal de cuentas de ahorros: la Cuenta de Ahorros Estadounidenses.<\/p>\n<p>Si su empleador a\u00fan no ofrece un plan de jubilaci\u00f3n, se le otorgar\u00e1 autom\u00e1ticamente su propia cuenta de ahorro estadounidense (ASA). Inicialmente, su empleador pondr\u00e1 3% de sus ganancias en su cuenta con cada cheque de pago, pero puede optar por ajustar su contribuci\u00f3n a tan solo 2% de sus ingresos, o hasta $18,000 por a\u00f1o, o optar por no participar por completo.&nbsp;<\/p>\n<p>Los ASA tendr\u00e1n las mismas opciones de inversi\u00f3n que los empleados federales obtienen a trav\u00e9s del plan TSP, con costos m\u00ednimos similares. Los ASA son simples para los empleadores, quienes simplemente necesitan enviar los ahorros de ASA de los empleados al gobierno federal junto con las retenciones de impuestos de los empleados. Los trabajadores controlar\u00e1n sus propias cuentas directamente a trav\u00e9s de un sitio web.<\/p>\n<p>Las contribuciones a una ASA ser\u00edan deducibles de impuestos, y los participantes podr\u00edan transferir cualquier IRA anterior a su ASA o transferir los fondos de su ASA a un plan 401(k) o 403(b) patrocinado por el empleador. Una junta directiva independiente administrar\u00e1 la inversi\u00f3n de los fondos.<\/p>","protected":false},"excerpt":{"rendered":"<p>Why shouldn&#8217;t everyone have the same kind of retirement program enjoyed by members of Congress and federal workers? Good question. U.S. Sen. Jeff Merkley (D-Ore.) thinks everyone should. Merkley today introduced the&nbsp;American Savings Act, which would give every American not covered by a retirement plan at work the chance to open a &#8220;universal, portable, simple&#8221; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[44],"class_list":["post-5676","post","type-post","status-publish","format-standard","hentry","category-in-the-news","tag-jobs-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Universal, portable retirement savings plan proposal introduced in Senate - Merkley<\/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:\/\/www.merkley.senate.gov\/es\/universal-portable-retirement-savings-plan-proposal-introduced-in-senate\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Universal, portable retirement savings plan proposal introduced in Senate - Merkley\" \/>\n<meta property=\"og:description\" content=\"Why shouldn&#8217;t everyone have the same kind of retirement program enjoyed by members of Congress and federal workers? 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