Economy February 25, 2026

Colombia Seeks Transfer of 25 Trillion Pesos from Private Pension Funds to State System

Draft labor ministry decree would move accounts of switchers to Colpensiones within 15 days amid broader proposals to limit overseas pension investments

By Avery Klein
Colombia Seeks Transfer of 25 Trillion Pesos from Private Pension Funds to State System

A draft decree from Colombia's labor ministry proposes shifting 25 trillion pesos managed by private pension funds into the public administrator Colpensiones. The move would affect individual accounts of people who transferred to the public system under a 2024 reform now under constitutional court review, and follows a Finance Ministry proposal to cap overseas pension investments that could force repatriation of up to $30 billion.

Key Points

  • Government draft decree would transfer 25 trillion pesos (~$6.75 billion) from private pension funds to Colpensiones.
  • AFPs would be required to move certain individual savings account balances within 15 days of the decree's issuance; affected accounts belong to individuals who switched to the public system during a transition tied to the 2024 reform now under review by the constitutional court.
  • A separate Finance Ministry proposal could force repatriation of up to $30 billion by curbing the share of pension assets invested abroad, potentially pushing AFPs toward greater holdings of domestic government bonds as the administration manages a large fiscal deficit.

BOGOTA, Feb 25 - Colombia's government has circulated a draft decree from the labor ministry that would require the transfer of 25 trillion pesos, equivalent to about $6.75 billion, from private pension managers into the state-run pension administrator Colpensiones.

The proposal, published late on Tuesday, specifies that Pension Fund Administrators (AFPs) must move specified individual savings account balances to Colpensiones within 15 days of the decree's issuance. The accounts identified for transfer belong to individuals who opted to switch into the public system during a transition window created by a 2024 pension reform that is currently under review by the constitutional court.

The draft decree comes in the wake of a separate Finance Ministry proposal aimed at reducing the proportion of pension assets invested abroad. That earlier plan could require pension funds to repatriate as much as $30 billion in assets held overseas, according to the draft proposal.

Analysts have warned that, taken together, these measures could prompt AFPs to raise their holdings of domestic government bonds. Such a shift in asset allocation would occur as the administration contends with a large fiscal deficit, creating pressure on the country’s borrowing dynamics and domestic debt markets.

The draft decree's 15-day compliance window and its focus on accounts of those who transitioned during the reform's implementation period are central operative details. The 2024 reform and its transitional arrangements remain subject to scrutiny by the constitutional court, a review that bears directly on the legal underpinnings of any forced transfers.

Currency conversion noted in the draft places the peso-dollar rate at $1 = 3,703.28 pesos, which is used to express the peso-denominated transfer in U.S. dollar terms.

As the two proposals - the labor ministry's transfer decree and the Finance Ministry's limit on overseas investments - advance through consultative and legal processes, their potential effects on pension fund portfolios and the domestic government bond market will be focal points for market participants and policymakers.


Summary: A labor ministry draft decree would move 25 trillion pesos from private pension funds to Colpensiones within 15 days for accounts of individuals who switched into the public system during a 2024 reform transition now before the constitutional court. The draft follows a Finance Ministry plan to curb overseas pension investments that could force up to $30 billion in repatriation, and analysts say the combined measures may lead AFPs to increase holdings of domestic government bonds amid a large fiscal deficit.

Risks

  • Legal uncertainty: The 2024 pension reform's transitional transfers are under review by the constitutional court, leaving the legal basis and timing of any mandated transfers uncertain - this affects pension administrators and beneficiaries.
  • Market impact: Measures that reduce overseas investments and shift assets into domestic government bonds could alter demand in Colombia's bond market, influencing yields and market liquidity - this has implications for the domestic fixed income sector.
  • Operational and compliance risk: The 15-day window for AFPs to move specified account balances, if enacted, could create logistical strains for administrators tasked with executing rapid transfers while ensuring accurate account handling.

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