{"id":3866,"date":"2022-12-15T02:31:55","date_gmt":"2022-12-15T02:31:55","guid":{"rendered":"\/banorte\/__host\/xxi\/?p=3866"},"modified":"2025-09-04T13:17:45","modified_gmt":"2025-09-04T19:17:45","slug":"factores-elegir-afore","status":"publish","type":"post","link":"\/banorte\/__host\/xxi\/factores-elegir-afore\/","title":{"rendered":"Factores a considerar antes de elegir tu Afore"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Muchas personas se preguntan: \u00bfQu\u00e9 ser\u00e1 de ellas cuando dejen de trabajar? \u00bfC\u00f3mo vivir\u00e1n despu\u00e9s del retiro? o, \u00bfDe d\u00f3nde sacar\u00e1n dinero para poder vivir el resto de su vida? La realidad es que, muy pocas personas saben c\u00f3mo y por qu\u00e9 elegir una Administradora de Fondos para el Retiro (Afore) para obtener beneficios a largo plazo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El fondo para el retiro representa la suma de las aportaciones conjuntas realizadas de manera tripartita por: el Gobierno Federal, la empresa que te contrat\u00f3 y por ti, que eres la persona trabajadora. Con el monto total acumulado, se financiar\u00e1 la pensi\u00f3n que recibir\u00e1s mensualmente una vez que te retires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es importante que sepas que, como persona trabajadora, tienes derecho a elegir la Afore que m\u00e1s te convenga. Para hacerlo, deber\u00e1s considerar principalmente tres <a href=\"\/banorte\/__host\/xxi\/rendimientos-servicios-y-comisiones-esenciales-para-elegir-la-afore-correcta\/\">factores<\/a> para tomar decisiones oportunas sobre tu ahorro: servicios, rendimientos y comisiones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-servicios\">Servicios <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Se refieren a la calidad de la oferta que brindan las administradoras. Entre los aspectos a considerar destacan la calidad en su informaci\u00f3n y eficiencia operativa. Esto significa: La calidad de los canales de informaci\u00f3n de la instituci\u00f3n para con la o el ahorrador y la manera de resolver sus necesidades de manera r\u00e1pida y efectiva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para ayudarte a tener m\u00e1s informaci\u00f3n para elegir tu Afore, la Comisi\u00f3n Nacional de Sistemas de Ahorro para el Retiro (CONSAR) realiza el Medidor de Atributos y Servicios de las Afores (IDEO), que brinda una evaluaci\u00f3n de cada una y que se compone de m\u00e1s de 30 variables agrupadas en cuatro categor\u00edas:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Calidad operativa<\/li>\n\n\n\n<li>Cobertura<\/li>\n\n\n\n<li>Ahorro solidario y voluntario<\/li>\n\n\n\n<li>Tr\u00e1mites (a trav\u00e9s del portal AforeWeb)<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rendimientos\">Rendimientos <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de los <a href=\"\/banorte\/__host\/xxi\/calculo-rendimientos-ahorros-afore\/\">indicadores<\/a> m\u00e1s importantes para comparar a las administradoras ya que es la variable que har\u00e1 crecer tu dinero con el tiempo. Esto es: las Afores invierten tu ahorro en diferentes proyectos para incrementar tu dinero y as\u00ed se obtienen las ganancias o rendimientos que aumentan los recursos para tu pensi\u00f3n; estos se miden en porcentaje sobre el dinero que se haya invertido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comisiones-de-afore\">Comisiones de Afore<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Es importante recordar que cada Afore cobra una comisi\u00f3n regulada por la CONSAR. Dicha comisi\u00f3n representa un porcentaje sobre el saldo administrado. Esta se reporta en pesos y centavos y la puedes identificar en los estados de cuenta cuatrimestrales (enero, mayo y septiembre), que recibes en tu domicilio, as\u00ed como en tu correo electr\u00f3nico.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-elegir-tu-afore-conclusion\">Elegir tu Afore: Conclusi\u00f3n <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Independientemente de la Afore que elijas es importante que la consideres en tu plan financiero, ya que contar con una administradora es clave para garantizar una pensi\u00f3n adecuada cuando llegue el momento de tu retiro laboral.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elige una Afore que te ofrezca mayores rendimientos y que destaque por la buena puntuaci\u00f3n de los servicios brindados en el Medidor de Atributos y Servicios de las Afores (+MAS Afore). <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Con el monto total acumulado, se financiar\u00e1 la pensi\u00f3n que recibir\u00e1s mensualmente una vez que te retires.<\/p>\n","protected":false},"author":12,"featured_media":16321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[211],"tags":[8,9,32],"class_list":["post-3866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-atencion-y-seguimiento","tag-afore","tag-afore-xxi-banorte","tag-inversion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - 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