¿Cómo cambiarte de Afore?


¿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


  1. merhabalar ben istanbul bölgesinde şu ilçelerde escortluk yapıyorum.istanbul escort, halkalı escort, şişli escort, mecidiyeköy escort, şişli escort, halkalı escort, taksim escort, avcılar escort, ataköy escort, bakırköy escort, yenibosna escort, sefaköy escort sevgili tadında görüşmeler için whatsapp’dan yaz otel ev ve rezidans’da sevişelim.

  2. Undeniably consider that which you stated. Your favorite reason appeared to be
    on the internet the easiest factor to be mindful of.

    I say to you, I certainly get irked even as
    folks think about worries that they plainly don’t realize about.
    You controlled to hit the nail upon the highest and
    defined out the whole thing without having side effect , people could take a signal.
    Will probably be again to get more. Thanks

  3. Thanks for any other great post. Where else may anyone get
    that kind of information in such a perfect approach of writing?
    I have a presentation subsequent week, and I’m at the look for such info.

  4. Thanks for any other informative website. The place else could I am getting that type of info written in such a
    perfect method? I’ve a project that I’m just now running
    on, and I have been on the glance out for such

  5. Let me give you a thumbs up man. Can I tell you exactly how to do amazing values and if you want to have
    a checkout and also share valuable info about how to change your life
    yalla lready know follow me my fellow commenters!.

  6. I believe people who wrote this needs true loving because it’s
    a blessing. So let me give back and show true love
    on change your life and if you want to seriously get to hear I will share info about
    howto make money Don’t forget.. I am always here for yall.
    Bless yall!

  7. Woah! I’m really enjoying the template/theme of this blog.

    It’s simple, yet effective. A lot of times it’s challenging to get that «perfect balance» between usability and visual appeal.
    I must say you have done a excellent job with this. Also, the
    blog loads extremely fast for me on Chrome. Exceptional Blog!

  8. OMG! This is amazing. Ireally appreciate it~ May I with heart reach out a secret only I KNOW
    and if you want to with no joke truthfully see You really have to
    believe mme and have faith and I will show how to make
    money Once again I want to show my appreciation and
    may all the blessing goes to you now!.

  9. Can I show my graceful appreciation and say really good stuff and if you want to get a peek?
    Let me tell you a quick info about how to become a millionaire you know where to follow right?

  10. Can I show my graceful appreciation and show you exactly how to do really good stuff and if you want to with no joke truthfully see Let
    me tell you a brief about how to become a millionaire I am always here for yall you know
    that right?

  11. You have made some good points there. I checked on the net to learn more about
    the issue and found most people will go along
    with your views on this site.

  12. OMG! This is amazing. Ireally appreciate it~ May I
    speak out on a secret only I KNOW and if you want to have a checkout You really have to
    believe mme and have faith and I will show how to become a millionaire Once again I want to show my appreciation and may all the blessing goes
    to you now!.

  13. Heya! I just wanted to ask if you ever have any problems with hackers?

    My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back
    up. Do you have any solutions to protect against hackers?

  14. Sharing is a great way to give back to the community. I understand that by giving back,
    I am fostering a sense of community and belonging.

  15. You actually make it seem so easy with your presentation but I find this matter to be actually
    something which I think I would never understand.
    It seems too complex and very broad for me. I am looking forward for your next post, I will
    try to get the hang of it!

  16. Hi there, I found your site by means of Google at the same time as looking for a related topic, your website got here up, it seems great.
    I’ve bookmarked it in my google bookmarks.
    Hello there, simply became alert to your blog through Google, and located that it’s really informative.
    I am gonna watch out for brussels. I’ll be grateful if you proceed this in future.
    A lot of other people might be benefited out of your
    writing. Cheers!

  17. First off I would like to say terrific blog! I had a quick question which I’d like to ask
    if you don’t mind. I was curious to know how you center yourself
    and clear your mind prior to writing. I’ve had a hard time clearing my mind in getting
    my ideas out. I do enjoy writing however it just seems like the first 10 to 15 minutes tend to be lost just trying to
    figure out how to begin. Any ideas or hints? Kudos!

  18. Amazing blog! Is your theme custom made or did you download
    it from somewhere? A theme like yours with a few simple tweeks would
    really make my blog shine. Please let me know where you got your theme.
    Thanks a lot

  19. Hi it’s me, I am also visiting this site daily,
    this web page is genuinely nice and the visitors are in fact sharing nice thoughts.

  20. Do you mind if I quote a couple of your posts as long as I provide
    credit and sources back to your weblog? My website is in the exact same area
    of interest as yours and my visitors would genuinely benefit from a lot of the information you provide here.
    Please let me know if this ok with you. Cheers!

  21. Thank you for sharing your thoughts. I really appreciate your efforts and I will be waiting for
    your next post thanks once again.

  22. I am really impressed together with your writing abilities and also with
    the format on your blog. Is that this a paid theme or did you
    customize it yourself? Either way stay up the excellent high quality writing, it is rare to look a nice weblog like this one these days..

  23. Wonderful work! This is the type of info that are
    meant to be shared around the net. Disgrace on Google for now not positioning this submit upper!
    Come on over and discuss with my website . Thanks =)

  24. An impressive share! I have just forwarded this
    onto a friend who was doing a little homework on this.
    And he in fact ordered me dinner because I discovered it for him…
    lol. So allow me to reword this…. Thanks for the meal!!
    But yeah, thanks for spending time to discuss this matter here on your web page.

  25. Hello! I know this is kinda off topic but I was wondering if you knew where I could get a
    captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having
    problems finding one? Thanks a lot!

  26. A fascinating discussion is worth comment. There’s no doubt that that you ought
    to publish more on this topic, it may not be a taboo matter
    but typically people don’t discuss these subjects. To the next!
    Best wishes!!

  27. I love your blog.. very nice colors & theme. Did you
    make this website yourself or did you hire someone to do it for you?
    Plz respond as I’m looking to design my own blog and
    would like to find out where u got this from. kudos

  28. Incredible! This blog looks exactly like my old one!
    It’s on a completely different subject but it has pretty much the same layout and
    design. Wonderful choice of colors!

  29. 와일드 웨스트 골드
    Mao Ji가 도착했다는 소식을 듣고 Yang Ping은 성문으로 가서 그를 직접 맞이했습니다.Qi Guogong의 신간이 발표되었다는 소식을 듣고 수도는 다시 한 번 센세이션을 일으켰습니다.


Por favor ingrese su comentario!
Por favor ingrese su nombre aquí