LA AFORE EN MÉXICO Y SU SISTEMA DE RETIRO

• DOI: https://doi.org/10.22533/at.ed.1594832406094

• Palavras-chave: AFORE, jubilación, pensión

• Keywords: AFORE, retirement, pension

• Abstract:

  The historical panorama faced by social welfare in Mexico and the retirement of various generations of workers in our country, from those who achieved the prodigious retirement, a term that today, little by little, has been displaced to give way to the AFORE generation, which will have access to its replacement rate only through tripartite contributions, that is, from themselves, their employers, as well as from the federal government; However, the central part will be left to the workers themselves, who must be aware of this reality in order to take ownership of it, thus allowing them to take the tools required to provide adequate and strategic retirement planning. It is important to point out that there are external factors of a macroeconomic nature that could have an indirect or direct impact on the ability to provide workers with the long-desired pension; therefore, it is essential to obtain as much information as possible in this regard to enable the alternatives required to achieve an objective, in this case, the full enjoyment of the much-deserved retirement. In order to achieve all of the above, a reminiscence will be made to clarify the background that laid the foundation on which our current retirement savings system was built, reformed and continues to be designed, in order to make the most of it so that the population can retire to rest enjoying the monetary amount required to preserve and even increase their quality of life.