It is important to note that opting for a Afore account It will allow you to have a better quality of life when you arrive at the older adulthood. Unlike other types of savings, the returns on an account Afore are older and savings are guaranteed by the Mexican state.
In addition to having an Afore account, there are other mechanisms that can help improve your finances when you reach old age. One of them is the voluntary retirementwhich allows you to choose a early retirementwhich can be received up to five years before the official retirement age. This option will allow you to receive your pension earlier.
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Another way to increase your income and save for your old age It is through a savings fund. These funds are managed by professionals and allow you to save capital in a predetermined period of time to get higher performance. These funds can be administered by the same aforeor by an external entity.
Finally, it is important to consider that the best way to save for your old age is through a Afore account. Having an Afore account will allow you to receive a greater amount of money as a pension upon reaching old age. In addition, having an Afore account guarantees that your savings are Safe and protected by the Mexican Stateeither. While there are other ways to save for your old age, none is as sure as a Afore account.
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What is the best Afore? That will depend on the regime and age of the worker. The existing institutions for now are:
- inbursa
- Sura
- future
- PensionISSSTE
- coppel
- Major
- citibanamex
- Aztec
- invercap
- XXI-Banorte
Now, these can be divided by generational groups of workers, and this is one of the most important points when choosing afore. According to your year of birth, it would be convenient for you:
- Basic SIEFORE Yields (between 1980 and 1984): Future, 7.48%; Sura, 6.91%; XXI-Banorte, 6.72%.
- Basic SIEFORE Yields (between 1985 and 1989): Future, 7.76%; Sura, 7.16%; XXI-Banorte, 6.87%.
- Basic SIEFORE Yields (between 1990 and 1994): Future, 7.56%; Sura, 7.08%; XXI-Banorte, 6.73%.
- Initial Basic SIEFORE Yields (born after 1995): Future, 7.50%; Sura, 7.02%; XXI-Banorte: 6.44%.
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