¿Cómo cambiarte de Afore?
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.
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.
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