Cuando inicias la vida laboral, el jefe, gobierno y t\u00fa aportan dinero a una Cuenta Individual dentro de una AFORE, este es una instituci\u00f3n que se encarga de administrar las pensiones para el retiro del trabajador.<\/span><\/h6>\n

 <\/p>\n<\/div>\n

\n

Dicho dinero se recibe a los 65 a\u00f1os o cuando te retiras, para esto deber\u00e1s tener reunido de 750 a 1,000 semanas cotizadas ante el IMSS. El monto lo puedes recibir mensualmente o en una sola exhibici\u00f3n. Si empezaste a cotizar ante el IMSS antes de 1997, las reglas cambian, as\u00ed que haz caso omiso a esto.<\/span><\/p>\n

Si esto no es tu caso, no te preocupes, no todo est\u00e1 perdido, pues hay otras opciones para personas independientes o empleadas y una de esas es el Plan de Retiro.<\/p>\n

\u00bfQu\u00e9 es?<\/h6>\n

El Plan de Retiro o PPR, es una cuenta de inversi\u00f3n que permite a personas (empleadas e independientes) ahorrar de forma adicional a lo cotizado por ley en su AFORE. Los PPR se eligen de acuerdo a lo que necesitas as\u00ed como tus objetivos en el futuro, o sea cu\u00e1l ser\u00e1 la cantidad que quieres ahorrar.<\/p>\n

Lo mejor de los PPR es que no solo ahorras tu dinero, pues al mismo tiempo generas rendimientos que se suman a lo que tienes guardado.<\/p>\n

Ventajas:<\/h6>\n

\n
• Exenci\u00f3n en la parte fiscal, los dividendos y rendimientos que se generan estar\u00e1n exentos de impuestos.<\/li>\n
• Las aportaciones son deducibles hasta en un 10% en proporci\u00f3n a los ingresos anuales o un monto m\u00e1ximo de 163,000 pesos, esto \u00faltimo ser\u00e1 posible siempre y cuando sea la \u00fanica deducci\u00f3n que metas.<\/li>\n
• Mejoras tu pensi\u00f3n.<\/li>\n<\/ul>\n<\/div>\n

  \u00bfTienes en mente comenzar con tu plan de retiro? \u00bfQu\u00e9 te parece esta opci\u00f3n?<\/p>\n

   <\/p>\n

  \u00a1S\u00edguenos en redes sociales! Ah\u00ed encontrar\u00e1s m\u00e1s temas de inter\u00e9s como este. Somos Factor H.<\/p>\n

  <\/div>\n

  <\/div>\n","protected":false},"excerpt":{"rendered":"

  Cuando inicias la vida laboral, el jefe, gobierno y t\u00fa aportan dinero a una Cuenta Individual dentro de una AFORE, este es una instituci\u00f3n que se encarga de administrar las pensiones para el retiro del trabajador.   Dicho dinero se recibe a los 65 a\u00f1os o cuando te retiras, para esto deber\u00e1s tener reunido de […]<\/p>\n","protected":false},"author":1,"featured_media":986,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[78,77],"tags":[124,17,127,125,126],"class_list":["post-985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contabilidad","category-economia","tag-ahorro","tag-economia","tag-finanzas-personales","tag-plan-de-retiro","tag-ppr"],"_links":{"self":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts\/985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/comments?post=985"}],"version-history":[{"count":1,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts\/985\/revisions"}],"predecessor-version":[{"id":987,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/posts\/985\/revisions\/987"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/media\/986"}],"wp:attachment":[{"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/media?parent=985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/categories?post=985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.factorh.mx\/wp-json\/wp\/v2\/tags?post=985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}