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If you are used wage-earning and accounts with IMSS or ISSSTE, previously you have a personal account in one Administrator of Bottoms for the Retirement (afore) in exactly where is reversed to the capital on the part of your head for the retirement.

The capital is reversed in some assets that rely of the account of afore “cuenta de afore ” and one hopes at that you arrive guesses right age so that is assigned to you to an account in Siefore, that determines the diploma of risk of the cuentahabientes.

If you work by same you and it does not have a head to whom to render accounts goes a you afore of your preference and provided your Unique Key of Registry of Poblacion (CURP), birth certificate, identification with photography the establishments podrian brindarte an account of saving of this type so that you yourself you make the entrance of capital.

Once they have offered your account you of saving for the future, do you have to look for to remove to the best benefits from your afore is to take advantage of the modalities of saving and benefits available.

1.Your subaccount of voluntary contributions allows to invest resources in the short term you: In agreement with information of the National Commission for the Protection and Defense of the Users of Financial Services (Condusef), with this type of account you save as if exterior it will pay banking will pay and it afore it invests it in a term to choose between two and six months. The conditions to exert this right vary in agreement with your administrator.

2. With reductions to your account in the long term: The contributions that you make of regular way are inverted in your long term subaccount, and once you turn 65 years you can have those sources, but they have an additional benefit: the contributions are deductible of taxes. In agreement with the Law of the Tax On the Rent, you can deduce up to 152.000 pesos annual by your contributions to your account of afore “cuenta de afore”.

3. Partial Retirements: If it is that you are going absent to marry or you remain without use is an emergency of the type unemployment, it is possible to make partial retirements with the condition of which you must be than three years old quoting more in your account of afore “cuenta de afore”.

For the case of unemployment, this permitted to have among 30 and 90 days of the wage quotation base bases. considering that this sera amount taken from your saving for the retirement. Contemplating that this benefit is approximately every five years. For the case of wedding, allows you to retire 30 days of your wage bases and they do not discount of your quoted weeks your account of afore “cuenta de afore”, nevertheless this it is a benefit that single you can use once in your life.