The link to the working world of the graduates SENA and, in particular of the graduates of the Cesge, Regional Antioquia, materializes in average to the 19 years. One of the future concerns of the Colombian worker, especially the low-income workers, lies in the pension scenarios, on the one hand, the uncertainty about the first job and, on the other, the tendency to increase the retirement age, The present quantitative and exploratory applied research is aimed at analyzing the potential of capital capitalization, as a result of strategies of professional qualification, savings and investment of the graduate, during the average working life of 30 years and thus, have arguments to decide Voluntary retirement and enjoy early allowances to raise the IDH and mitigate the pressure on public policies of social assistance to the elderly in the whole country. The results obtained indicate this, despite the volatility, in interest rates, ignorance of the portfolio of investments offered by the financial industry, and in the rotation of the labor market for the first job. The discipline to reduce the marginal propensity to consume, becomes the great challenge, not only for the SENA graduates, but for all the young people from the first employment and internalize the financial culture, like lifestyle, to face the voracity of the Market economy and achieve economic and financial independence in the context of the great entrepreneurial enterprise called, Yourself S.A.