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Just in the middle of the next administration will begin what could be the next crisis in the country: the pensions of Afores the experts agreed.
In 2021, 24 years ago this pension plan was created in Mexico, a period equivalent to one thousand 250 weeks, a period that the law IMSS of 1997 established as the minimum period to require a retreat. In other words, in three years, the first pension applications will be made with this system
The main alert comes from the replacement rate which is on average 30%, according to the data of the l & # 39; 39; OECD.
The above implies that at the time of retirement, a worker will receive just under a third of his last salary as a pension. The average replacement rate in OECD countries is 62%.
"It's a problem that needs to be resolved quickly, given the aging population of the country.The challenge is to strengthen the savings of the workers who are in the future," said Carlos Ramírez , president of the National Committee of the Retirement Savings System (Consar), in El Financiero.
"Yes, we are in a hurry to do something, because staying as we do is not the best option.The longer the reform is postponed, the less will be enough to satisfy the retirees."
According to the Consar, 2 thousand 159 Mexicans will turn 65 every day in 2020, but this figure will rise to 3 thousand in 2030 This demographic structure, combined with low income, will be a social pressure that the following administration and administrations will receive.
"The increase in workers' resources in Mexico should be one of the main issues that must be addressed throughout The agenda of the President has arrived," said Mauricio Alarcón, CEO from Afore Coppel. "The question of the increase in the compulsory contribution should be a priority, to generate a higher pension."
Insufficient savings
Low pensions in the countries will be the result of low contributions, agreed the specialists.
In Mexico, the combined contribution between the worker and the employer for the retirement account equals 6.5% of the salary of the insured , against an average of 18.4% in the OECD.
The previous system will also be put under pressure to the following administrations, since the last beneficiaries of the 1973 Act will benefit from a pension payable by the government up to the annals 2050, according to OECD
"Existing retirement expenditures will increase at a faster pace because an additional requirement will be added to meet the demands for health services of this population, whose pensions will be very low, putting more pressure on the public budget allocated to this segment of the elderly, "said Leopoldo Somohano, director of strategy for the Principal Financial Group. ] "" "Title =" "" ">
