Cómo saber en que Afore Estoy: Por Internet, Por teléfono, requisitos para tener un Afore y beneficios

Muchas corporaciones financieras cuentan, entre sus negocios, con una división dedicada a la Afores. Las Afores son sociedades independientes que se dedican exclusivamente a la administración de fondos obtenidos para el momento de la jubilación. A cada trabajador se le asigna una cuenta personal, en la que se depositan sus contribuciones hechas a lo largo de su vida laboral.

Las Afore (Administradora de Fondos para el Retiro) son organizaciones financieras de carácter privado autorizadas para manejar los fondos para el retiro de los trabajadores asociados al  Instituto Mexicano del Seguro Social  (IMSS) y al Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (ISSSTE).

Esta reseña intentara describir toda la información relacionada con el manejo de los fondos para retiro por parte de una Afore. Estas protegen e incrementan sus ahorros para el retiro. Además de garantizar su patrimonio y el de sus seres queridos para el momento de la jubilación.

ESTO ENCONTRARÁS AQUÍ

Cómo saber en qué Afore Estoy

Las AFORE son entidades reguladas por La Comisión Nacional del Sistema de Ahorro para el Retiro, (CONSAR). Esta  coloca a disposición de trabajadores,  los mecanismos de comunicación que permiten atender, las necesidades de información de los ahorradores que están dentro y fuera de México.

Por Internet

A través de Internet,  puede ubicar la afore en la que está registrado:

  1. Visitar la página de e-sar, pulsando en el enlace e-SAR.
  2. Luego digite en la ventana que dice Localiza tu Afore.
  3. Una vez aquí, ingrese su Número de Seguridad Social (NSS), su cuenta de correo electrónico y las letras de la imagen.
  4. A su correo le será enviada la información requerida.

Por Teléfono

También puede llamar por teléfono, sin costo alguno, al Centro de Atención Telefónica del Sistema de Ahorro para el Retiro (SARTEL) al (01 55) 1328 5000:

  1. Después de la presentación del menú principal, pulse en la opción 2 para la localización de Cuentas Individuales.
  2. A continuación, pulse ahora la alternativa 1 que le presenta el subsistema para la ubicación de las Cuentas Individuales de Trabajadores que cotizan o cotizaron al IMSS.
  3. Se le pedirá el Numero de Seguridad Social (NSS). Digite el Numero compuesto de 11 dígitos, seguido de la tecla numeral (#).
  4. Seguidamente, el sistema le indicará si tiene una Cuenta Individual y, si es el caso, cual AFORE la administra.
  5. Si tiene Cuenta Individual y está registrada en una AFORE, el sistema le indicará el nombre de la AFORE que la administra y sus teléfonos de atención al público.
  6. Si posee Cuenta Individual pero no tiene registro en AFORE alguna, el sistema le indicará que el Trabajador tiene una Cuenta Individual pero que no está registrado en una AFORE e invitará al usuario a que solicite su Registro en la AFORE de su preferencia (véase “Registro de la Cuenta Individual en una AFORE”).
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Qué es un Afore

Son compañías o asociaciones privadas que se dedican a la Administración de Fondos para el retiro. Los trabajadores para su retiro, delegan la administración de su patrimonio  a estas organizaciones que deben estar registradas y autorizadas por la Comisión Nacional del Sistema de Ahorro para el Retiro (CONSAR). El  propósito de este organismo, es que los trabajadores dispongan de una pensión al momento de su retiro.

La labor fundamental de CONSAR es sistematizar y regularizar el Sistema de Ahorro para el Retiro (SAR) que está compuesto por las cuentas individuales a nombre de los trabajadores que manejan las AFORE. Esta comisión establece normas para que el SAR funcione debidamente y tiene facultades para aplicar multas a las AFORE e imponer penas a los empleados de éstas en caso de alguna falta.

Poseer una cuenta registrada en una AFORE es una opción excelente para captar rendimientos atractivos a largo plazo y estimular el crecimiento del dinero. Es una cuenta personal y única donde el ahorro es acumulado por los trabajadores para que al momento de su retiro se estipule una pensión.

En estas cuentas individuales las cuotas calculadas con base en el salario del empleado se acumulan, así como las aportaciones voluntarias que periódicamente realizan el empleador, el gobierno y el propio trabajador.   Cualquier empleado tiene la posibilidad de acceder a una Afore si esta dado de alta en el Instituto Mexicano del Seguro Social (IMSS) o en el ISSSTE, según sea el caso.

Si eres trabajador, es muy posible que forme parte de una Afore. Lo fundamental e importante es que obtenga información de la institución que la maneja a fin de conocer las condiciones y los rendimientos que le puede estar generando. Es irrelevante si eres trabajador en el servicio público, en la iniciativa privada o por cuenta propia.

Ahora bien, para definir cuál Afore es más conveniente, debe tenerse muy presente tres aspectos esenciales: Aportaciones, Rendimiento y Comisiones. Las Afores exigen una comisión anual (comisión por saldo) por la administración, resguardo e inversión de los ahorros de los trabajadores. Hasta el año 2012, según la Afore de la que se trate, por cada mil pesos en una cuenta, estas percibían desde 0.99% hasta 1.59%.

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Requisitos para tener un Afore

  1. Ingrese en la página oficial de internet de e-sar pulsando en el enlace e-SAR.
  2. Dentro del portal, digite sobre la ventana que dice Pre Solicitud de Registro
  3. A continuación, se presenta un breve formulario que le pide que introduzca su Clave Única de Registro de Población (CURP) y las letras de la imagen.
  4. Luego de suministrar sus datos, la AFORE en la que desea registrarse se estará poniendo en contacto con usted y le asistirá en el proceso de registro en la entidad.
  5. Es necesario puntualizar un horario y los medios para establecer contacto el interesado en un máximo de 5 días hábiles.

Cómo funciona un Afore en México

De acuerdo con la vigente Ley del SAR, todo trabajador tiene derecho a poseer una cuenta particular en una institución financiera que debe estar destinada especialmente para administrar los fondos para el retiro (una Afore). Ahí se depositaran sus aportes, junto a las que formalicen el patrón y el gobierno.

De esta forma,  se organizo un fondo de ahorro para que durante los años que labore el trabajador, logre conformar el patrimonio del cual disfrutará luego de jubilarse. Las Afore son el mecanismo más viable que México tiene hoy en día para crear un patrimonio a largo plazo, con favorables beneficios que permiten suponer un nivel de vida con bienestar en el retiro.

Cómo saber cuánto tengo en mi Afore

Las Afores deben enviar un estado de cuenta como mínimo dos veces al año, en el cual se informa su saldo en cada subcuenta, las aportaciones recibidas y los rendimientos obtenidos. Los estados de cuenta que publican las Afore deberán enviarse cuatrimestralmente e incluirán la información registrada referente a los periodos que abarcan desde:

  1. Enero a abril (para admisión en mayo)
  2. Mayo a agosto (para admisión en septiembre)
  3. Septiembre a diciembre (para admisión en enero)

También es posible consultar el saldo accediendo a cualquiera de los servicios en línea de la Afore a la cual pertenece. Para esto, se debe ingresar a la página web pulsando en el enlace e-SAR e introduciendo el Número de Seguridad Social (NSS) o la Clave Única de Registro de Población (CURP) y el correo electrónico para que la información le sea enviada allí. Otro modo es llamando al (01 55) 13-28-5000 del SARTEL, también con el CURP o el NSS.

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Le será enviado, en un lapso de pocos días, un correo con el nombre del banco o entidad donde se encuentre su ahorro.  En caso de no recibirlo, se recomienda llamar al SARTEL con los datos de su identificación personal. Si conoce la institución que tiene su ahorro para el retiro, deberá entrar en contacto con su área de Afores para solicitar seguimiento.

Beneficios de tener un Afore

Las AFORE, a través de la Sociedad de Inversión de Fondos para el Retiro (SIEFORE) pueden invertir los recursos de cada trabajador en distintas alternativas de ahorro de acuerdo a su edad. SIEFORE invierte en proyectos de larga duración, el dinero de los trabajadores más jóvenes mientras que el dinero de los trabajadores que están cerca del retiro, es invertido en proyectos de corto o mediano plazo.

De las ganancias obtenidas de estas inversiones, un porcentaje es lo que se suma al fondo de ahorro final. Otros beneficios de tener una Afore son:   

  • Su cuenta es individual, personal y única. En ella tu patrón, el gobierno y tú realizan las aportaciones de dinero.
  • A través de un Estado de Cuenta cuatrimestral recibirá información detallada sobre cuánto dinero tiene ahorrado. Este documento presentara el historial de movimientos y la acumulación de sus recursos.
  • Ante situaciones especiales como el desempleo o el matrimonio, podrás disponer de una parte de sus ahorros.
  • A través de aportaciones voluntarias tendrás la posibilidad de hacer crecer tu fondo de ahorro. Al momento de retirarse, puede estar seguro de contar con los recursos suficientes para mantener tu calidad de vida.
  • En caso de jubilarse o dejar de trabajar, su ahorro permanecerá en la cuenta generando rendimientos de manera segura. Inclusive, aunque existan variaciones en los sistemas financieros, históricamente la tendencia del Sistema de Ahorro para el Retiro es siempre de crecimiento.
  • Si el dueño de la cuenta individual llegase a fallecer, los recursos de la cuenta individual serán transferidos a aquella(s) persona(s) que el titular designase como beneficiario(s), siempre y cuando, las condiciones establecidas en las leyes de seguridad social se cumplan.

¡INVIERTA EN UNA AFORE Y CONSTRUYA EL FUTURO QUE MERECE!

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