There are several ways in which people can make their voluntary savings and that their resources grow in their Retirement Fund Manager (Afore). By allocating a proportional part of your money to the Afore, you can retire better.
According to information from the National Commission of the Retirement Savings System (consume)there are up to 8 simple, safe and fast options to grow the money that the Afore accounts keep throughout your working life and once the retirement stage arrives it will be returned in a single payment or in the form of a pension.
How much to save to obtain a better pension?
The National Commission of the Retirement Savings System (Consar) affirms that if you want to have a final pension greater than $20,000 pesos per month, you must have voluntary savings each month, since it will be beneficial for your future retirement account, and the Age to start doing it is from 25 years of age. Although this applies to workers who retire under the Law of 97 of the IMSS.
According to Consar, a worker who has a monthly salary of $21,000 pesos and plans to retire at age 65, will receive a pension of around $10,865 pesos per month, which is half the income his style is used to. so if you want the amount to go up, you should start with voluntary savings.
The important thing is to allocate a part of your income to your Retirement Fund Administrator (Afore) on a constant basis, which will make a large benefit in the long term, although it varies from the percentage that is allocated.
According to the Mexican Association of Retirement Fund Administrators (Amafore), there is no specific amount, since it is a voluntary savings that can be from 1 to 13% of your salary. It is necessary to commit month after month and make the respective contribution.
How to make voluntary savings?
- Commercial networks: You can go to any participating point of sale, just have your Afore account, Clave Única de Registro de Población (CURP), and you can save from 50 pesos.
- Available apps: You have the option of downloading the Aforemóvil application, registering and following the steps to make the respective contributions. Within the app you can see the savings online and choose the means by which you want to allocate the amount, that is, CLABE account or debit card.
- EarnSavings: It is a strategy where through the consumption of products and services, workers can observe an extra amount. You can see more information in this link.
- AforeWeb: An option that will let you save voluntarily in your Afore account with recurring and automatic charges applied to your debit card or bank CLABE.
- Afore Window: In any branch of your Afore, you indicate the amount of your contribution, there are no minimums or maximums.
- Pattern: You can go to the human resources area and ask for information on how to make voluntary savings.
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