Si te preguntas, si el Afore servirá como una opción o alternativa como opción de retiro, para obtener una pensión justa por los años laborados, la respuesta es un gran no.
Pero, para comenzar ¿Sabes qué es? ¿Cómo funciona? Y lo más importante, ¿Cuánto te costará? No te preocupes, te aclaramos todas tus dudas sobre lo que debes de saber.
Las afores son entidades financieras que administran los recursos para el retiro de los trabajadores. Cualquier trabajador puede tener su cuenta individual y ahorrar para el retiro, no importa si es asalariado o trabajador independiente.
Las afores surgen a raíz de una creciente población que decidía pensionarse anticipadamente, ya que las pensiones estaban financiadas por los trabajadores activos y el gobierno. Este sistema dejó de funcionar cuando la población envejeció, la explosión demográfica se detuvo y había más jubilados que trabajadores activos. Se calcula que en el año 2050, el 25% de la población tendrá más de 60 años.
¿Cómo se componen mis aportaciones?
Si eres asalariado, cada mes se destina a tu Afore el 6.5% de tu salario base de cotización ante el IMSS. De ese 6.5%, tu patrón aporta el 5.15%, tu el 1.125% y el Gobierno Federal 0.225%. Si eres trabajador independiente, todo el dinero ahorrado dependerá totalmente de tus aportaciones voluntarias.
Sin embargo existen muchas interrogantes; si el Afore podrá cubrir un nivel de vida modesto en un futuro.La respuesta es un gran no.De acuerdo con el Gobierno Federal, si no realizan aportaciones complementarias a su cuenta individual, recibirás una pensión de entre el 20 y el 35% de tu salario actual.
Estamos hablando de que si recibes, $10,000 mensuales cuando te jubiles recibirás cada mes, entre $2,000 y $3,500 como pensión.
De acuerdo con la Asociación Mexicana de Afores (Amafore), cerca de 42% de la composición actual de estas cuentas fueron generadas a partir de los rendimientos netos. En otras palabras, a lo largo de 17 años, estiman haber obtenido una utilidad neta de 71.23% sobre el capital que tendrían originalmente.
Así que si quieres tener una pensión mayor a lo que esperas, es mejor que comiences a construir un plan de inversión para que de esta manera incrementes el ahorro de tu afore.
Te recomendamos: 5 consejos para tu retiro
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