{"id":3609,"date":"2013-09-30T12:53:00","date_gmt":"2013-09-30T12:53:00","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=3609"},"modified":"2014-10-10T03:01:35","modified_gmt":"2014-10-10T03:01:35","slug":"por-que-bajo-mi-ahorro-para-el-retiro","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=3609","title":{"rendered":"\u00bfPor qu\u00e9 baj\u00f3 mi Ahorro para el Retiro?"},"content":{"rendered":"

Brenda Caballero<\/b>
N\u00fameros Rojos <\/i><\/p>\n

El buz\u00f3n ten\u00eda correspondencia. No me refiero al email, que siempre trae de todo, sino al tradicional, al de los sobres y las cartas impresas en papel. A pesar de toda la tecnolog\u00eda, a\u00fan llegan a su casa alguno que otro, as\u00ed como los recibos de los servicios b\u00e1sicos.
Mi marido abri\u00f3 el dirigido a su nombre\u2026 era el estado de cuenta de la Afore (Administradora de Fondo para el Retiro).
Todo iba bien hasta que me pregunt\u00f3: \u201c\u00bfPor qu\u00e9 disminuy\u00f3 mi saldo?\u201d
\u201c\u00bfDisminuy\u00f3?\u201d, pregunt\u00e9 extra\u00f1ada, mientras me daba la hoja para que observara el saldo final.
Ten\u00eda raz\u00f3n. Por un momento pens\u00e9 se refer\u00eda a la comisi\u00f3n por el manejo de cuenta; sin embargo, ten\u00eda en el apartado de rendimientos un menos 3 mil 481 pesos 76 centavos. <\/a>
II
Si nos remontamos en el tiempo, recordaremos que hasta el a\u00f1o 1997, el sistema de pensiones mexicano era administrado por el Issste y el IMSS; posteriormente, en 1992, inicia la Reforma al Sistema de Pensiones Mexicano con el Sistema de Ahorro para el Retiro (SAR); sin embargo, ante diferentes factores como los hom\u00f3nimos en los RFC, identificaci\u00f3n de cuentas particulares y ciertos intereses, el primero de julio de 1997 entr\u00f3 en vigor el Sistema de Capitalizaci\u00f3n Individual en la que lo trabajadores realizan aportaciones en entidades financieras privadas llamadas Afores, y las Siefores (Sociedades de Inversi\u00f3n Especializadas en Fondos para el Retiro) las que se encuentran registradas en la Comisi\u00f3n Nacional del Sistema de Ahorro para el Retiro (Consar). <\/p>\n

III
\u201c\u00bfQu\u00e9 pas\u00f3 con mi ahorro?\u201d me pregunta extra\u00f1ado, mientras busca alg\u00fan dato en el estado de cuenta que le explique lo ocurrido. \u00a1Nada! El estado de cuenta no dice nada. Creo hasta quisieran ocultarlo para que uno no se d\u00e9 cuenta. Aunque no es as\u00ed en todas las Afores. Profuturo GNP se dirige al cliente informando que en los \u00faltimos meses se han registrado movimientos en los mercados financieros internacionales lo que ha provocado altas y bajas que influyen en el estado de cuenta individual; recalcando que esos eventos son naturales y temporales, por lo que no se deben retirar fondos o cambiar de Afore, ya que entonces s\u00ed representar\u00eda una p\u00e9rdida, pues el largo plazo es lo que cuenta. <\/p>\n

IV
Lo que realmente pasa es que las administradoras invierten en la Bolsa de Valores en diferentes instrumentos, los cuales pueden ser conservadores o arriesgados. De all\u00ed que cuando se presenta volatilidad de capitales, es decir, existe inestabilidad econ\u00f3mica en el pa\u00eds por el alza de precios internacionales en petr\u00f3leo, alimentos o por la desaceleraci\u00f3n econ\u00f3mica de nuestro vecino del norte, se refleja en los rendimientos que obtienen de acuerdo a los instrumentos invertidos. Luego entonces, esa es la verdadera realidad de la baja de ahorro para el retiro. Ahora que si usted tiene Inbursa, probablemente no tuvo disminuci\u00f3n, ya que esta Afore, al tener el rendimiento neto m\u00e1s bajo en el mercado, no arriesga mucho, caso contrario si est\u00e1 usted con Sura que arriesga m\u00e1s para ganar m\u00e1s. <\/p>\n

V
Y lo que muchos preguntan: \u00bfQu\u00e9 hago? \u00bfcambio mi Afore? La respuesta es simple, no hay que hacer nada para no perder lo que se tiene ya en saldo; de lo contrario, al hacerlo, la Afore anterior tendr\u00e1 que vender instrumentos en este mercado actual al precio bajo en que se encuentran en este momento perdiendo dinero, ya no en papel sino real.
Y no falta el que le eche la culpa a Pe\u00f1a Nieto, que si bien, no es un factor directo, en los pr\u00f3ximos meses posiblemente s\u00ed lo sea, de acuerdo a si se aprueban o no las reformas hacendaria y energ\u00e9tica; de all\u00ed se determinar\u00e1n las condiciones en el mercado financiero. <\/p>\n

Email: caballero_brenda@hotmail.com<\/a> <\/p>\n","protected":false},"excerpt":{"rendered":"

Brenda Caballero N\u00fameros Rojos El buz\u00f3n ten\u00eda correspondencia. No me refiero al email, que siempre trae de todo, sino al tradicional, al de los sobres y las cartas impresas en papel. A pesar de toda la tecnolog\u00eda, a\u00fan llegan a su casa alguno que otro, as\u00ed como los recibos de los servicios b\u00e1sicos. Mi marido […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-3609","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-sin-categoria"},"yoast_head":"\n\u00bfPor qu\u00e9 baj\u00f3 mi Ahorro para el Retiro? - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=3609\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfPor qu\u00e9 baj\u00f3 mi Ahorro para el Retiro? - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Brenda Caballero N\u00fameros Rojos El buz\u00f3n ten\u00eda correspondencia. 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No me refiero al email, que siempre trae de todo, sino al tradicional, al de los sobres y las cartas impresas en papel. A pesar de toda la tecnolog\u00eda, a\u00fan llegan a su casa alguno que otro, as\u00ed como los recibos de los servicios b\u00e1sicos. 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