¿Y de qué voy a vivir cuando me jubile?

Por
Vortice
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Mis Finanzas

Alberto Tovar

En la participación anterior abordé la planeación para la jubilación, con 10 años de antelación, para evitar inconvenientes y alcanzar un resultado cercano al deseado. Como parte del proceso está también definir cuántos recursos se obtendrán en dicha etapa.

1.- Para clarificar las necesidades, el primer paso es armar dos presupuestos hipotéticos. Uno, considerando lo básico y otro los sueños para el retiro, como viajar y realizar hobbies. Esto nos da el rango de ingresos que buscaremos lograr.

2.- Ya con el cálculo aproximado de la pensión y sumando el patrimonio acumulado entre los 50 y 55 años, es imperativo contestar la pregunta de cuánto más requiero para vivir holgadamente en la jubilación.

3.- Si te quedan 10 años para tu retiro definitivo, es un buen momento para comprometerte con un ahorro acelerado y elegir bien los instrumentos que te podrán ofrecer esa capitalización.

4.- Toma en cuenta los esquemas de seguros especializados para el retiro, pues estarás en las últimas oportunidades de que seas sujeto a una cobertura de vida, y aprovechar una recuperación monetaria con la ventaja de la deducción fiscal.

5.- Es fundamental cuestionarte cómo resolverás el tema de la salud y la conveniencia de contar con un seguro de gastos médicos mayores, pues a edad avanzada se eleva de manera importante y obliga a planear la viabilidad de esta opción.

6 .- El saneamiento financiero es un aspecto relevante. Entrar con problemas de exceso de endeudamiento sería un gran lastre para cumplir tus sueños. Así que tienes tiempo para empezar a reestructurar e iniciar ‘limpio’ en la jubilación.

Cuidado con adquirir un compromiso de crédito que sobrepase tu ciclo laboral porque esto te obligaría a seguir trabajando y dejar la posibilidad del retiro.

7.- Puedes optar por reunir una cantidad de dinero que alcance para tu esperanza de vida o si quieres mantenerte de los intereses, deberás ser hábil con las inversiones para que al menos tengas de dos a cuatro puntos porcentuales arriba de la tasa de inflación y el rendimiento complemente tu pensión para cubrir tus gastos.

8.- Todo este análisis contempla como premisa que trabajas en el sector formal y cotizas en el IMSS o ISSSTE; sin embargo, si eres profesionista libre, eres empresario o laboras en la informalidad hay un esfuerzo muy especial por realizar, al no contar con una pensión. Tienes 10 años para llevarlo a cabo.

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