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2mo ago

Voluntary Afore Contributions Grow 28% Driven by Retail and Digital Partnerships

New retail payment options through supermarkets, convenience stores, digital apps, transfers deliver convenient tax deductions on extra pension deposits.

Las aportaciones voluntarias al Afore tienen varias ventajas significativas para los trabajadores
Antes de retirar parte de los ahorros de la Afore, deberías considerar las implicaciones que esta acción puede tener para tu futura pensión
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Overview

  • From June 2024 to June 2025 voluntary Afore deposits climbed 28% to 281.3 billion pesos, making up 3.7% of total pension assets.
  • Workers can top up Afore accounts through supermarkets, convenience stores, dedicated Afore apps, SPEI bank transfers.
  • SAT rules allow voluntary savings to qualify for tax deductions to boost pension balances beyond mandatory contributions.
  • Despite broader access, only 7.9% of Mexico’s 18-to-70-year-olds with Afore accounts make extra contributions.
  • Voluntary deposits increase account balances but do not add cotized weeks unless workers enroll in IMSS Modalidades 10 or 40 to recover service credits.