5 Mitos sobre tu Afore

Si trabajas como asalariado, o alguna vez lo has sido, seguramente tienes tu cuenta de Afore para el retiro. Quizá seas una de las personas que sabe que la Afore no te va a sacar de apuros en la vejez, pero si conoces a alguien que jure y perjure que con su Afore baste y le sobra para vivir una adultez en completa plenitud y entonces no tiene que de preocuparse tal vez quieras seguir leyendo:

Mito # 1: Mi Afore es un ahorro que me permitirá mantener el nivel de vida a que estoy acostumbrado. Error. La aportación que la tú, la empresa para que trabajas y el gobierno hacen es por apenas el 6.5% de tu salario. Se considera que para tener un ahorro suficiente para el retiro tenemos que ahorrar 10% y eso en el caso de haber comenzado desde los 25 años y no a los 40.

Mito #2: El 6.5% de aportación es sobre el total de mi salario. Lamento informar que ese es otro error. Ese 6.5% esta topado ¡a nueve salarios mínimos lo que equivale aproximadamente a $15,000 dependiendo de la zona geográfica! Así que cualquier extra que recibas no esta considerado en tu ahorro para el retiro, léase: estás ahorrando menos.

Mito #3: Todas las administradoras de Afores son lo mismo. Existen diferencias importantes entre los rendimientos que puedes obtener entre una administradora y otra. Si quieres darte una idea de lo que puede hacer un 2% de diferencia sobre tu ahorro a lo largo de los años dale clic aquí.

Mito #4: Con lo que me den de mi Afore voy a poner un negocio, viajar, etc. No sé como poner trompetillas pero esta frase sí que amerita una. A nadie nos van a dar un cheque el día que apaguemos 65 velas. Así que si pensabas salir de deudas con tu Afore mejor olvídalo. Lo que obtendremos será una constancia de lo ahorrado para contratar una pensión vitalicia con alguna aseguradora la cual, por supuesto, cobrará comisiones sobre la administración de los fondos.

Mito #5: Dado que puedo optar por una pensión del IMSS (para los que comenzaron a trabajar antes de 1997) voy a pedir que me reembolsen lo de la Afore. ¿Recuerdas cuando elegías con Melón o con Sandía? Pues es lo mismo, no puedes tener ambos. Si eliges una pensión del IMSS estas renunciando a lo ahorrado en lo Afore y, no es que te estén robando nada (al fin y al cabo fue dinero que nunca desembolsaste ni “sudaste”) sino que estas optando por otra opción de retiro.

Nuestra tranquilidad financiera no puede apalancarse en un programa de seguridad gubernamental. La Afore en el mejor de los casos va a asegurarte un 30% de tu último salario ¿realmente podrás dejar de disponer del 70% restante de tus ingresos?

 Karla Bayly

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NOTA: Parece que trabajé con información no actualizada con respecto al tope de salarios mínimos. Una enorme disculpa, voy a verificar la información y agradezco a mi colega que me hace la aclaración en la zona de comentarios. La retroalimentación para mejorar siempre es bien recibida. ¡Gracias!

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