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Mexico’s Afores Post Record 2025 Gains of 1.141 Trillion Pesos, Doubling 2024

Lower policy rates boosted bond valuations in portfolios concentrated in government securities.

Overview

  • Consar reported plusvalías of 1.141 trillion pesos for 2025, a roughly 105% increase over 2024’s 556.8 billion pesos.
  • December generated 25,452 million pesos in gains, the second-weakest month of the year, while April was the only month with losses.
  • Strong markets drove results, with gold up 43% in pesos, Fibras up 38%, and Mexican equities averaging about 35% as the BMV logged its best year since 2009.
  • Banxico cut its policy rate eight times to 7% and the Fed reduced rates three times, lifting fixed‑income prices including Udibonos (+19.7%) and Bonos M (+17%).
  • As of November 2025, Afores oversaw about 69.42 million accounts holding 8.29 trillion pesos, with roughly 51% of assets in government securities.