¿Cómo cambiarte de Afore?

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¿Cómo cambiarte de Afore?

Moverte hacia una Afore que te ofrezca mejores rendimientos es tu derecho, pero a raíz de la histórica multa que recibieron por prácticas antocompetitivas las instituciones que las administran, algunas cosas cambiaron.
Jeanette Leyva
Hoy, cambiarse de Afore sigue siendo una opción para que el trabajador obtenga una mejor pensión al momento de jubilarse, por eso es necesario saber qué factores analizar antes de decidir a dónde cambiarse.
Para ello, la Comisión Nacional del Sistema de Ahorro para el Retiro (Consar) recomienda tomar en cuenta: los rendimientos que te da a ganar, la comisión que te cobra y los servicios que te ofrece.
En la página de la comisión se puede encontrar información tanto para los trabajadores que cotizan en el IMSS, como en el ISSSTE e independientes, en ella te permiten conocer los rendimientos que estas otorgan, además de que agregan esquemas de las aportaciones voluntarias que requieres para aumentar la pensión al momento de jubilarte, todo con los datos actualizados. Además, te orienta, paso a paso, sobre el proceso para cambiarte.

Ya que antes era sumamente sencillo, el proceso de cambio de Afores incluso generó que los trabajadores fueran cambiados sin su consentimiento, originando que las instituciones que las administran realizarán prácticas monopólicas al coludirse para no hacer los cambios de los trabajadores, lo que les generó, a las cuatro Afores involucradas: Profuturo GNP Afore, Afore Sura, Afore XXI Banorte y Principal Afore, la mayor multa aplicada por la Comisión Federal de Competencia Económica.

Es por ellos que, ahora se piden mayores requisitos como: contar con un Expediente de Identificación del Trabajador actualizado, que será generado por la Afore con información del trabajador, su identificación oficial y su comprobante de domicilio. Asimismo, se requerirá un teléfono  fijo de contacto, celular y correo electrónico para recibir una contraseña con la cual tramitar su constancia de traspaso.

Además, el beneficiado deberá tener al menos un año de permanencia en la Afore actual, contado a partir de su registro o desde la última vez que ejerció su derecho de traspaso, o en los casos en los que esta sea fusionada, se haya dado una cesión de cartera, o  haya presentado una modificación al alza de comisiones.

Si se desea tramitar un segundo traspaso antes de cumplir un año con la Afore actual, podrá solicitarlo ante otra que de manera consistente haya otorgado mayor rendimiento neto.

En tanto, en la página de la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (Condusef), Mario Di Costanzo, presidente del instituto, explica que en el Buró de Entidades Financieras se puede conocer que tantas reclamaciones tiene la Afore elegida, si cumple con la normatividad y cuál es su indicador de atención al cliente, el tiempo de respuesta para resolver una reclamación, elementos que también podrías tomador en cuanta para tomar una elección referente al cambio.

La Consar estima que elegir una Afore con altos rendimientos y bajas comisiones en lugar de una con bajos rendimientos y altas comisiones puede suponer, en el largo plazo, una pensión 25 a 30 por ciento mayor o menor, respectivamente.

De cumplir con los requisitos y tener una decisión firme, el resto del proceso de cambio será  realizado por el promotor de la nueva.

El Financiero

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