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Retirement: How much do I need to collect in my AFP in order to receive a pension of S/1000?

Experts point out that in order to achieve this level of retirement, you must start to have healthy financial habits aimed at achieving this goal. | Font: Andean

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The average pension in the Pension Fund Managers (AFP) before the pandemic was S/1043. But how much should we collect in our pension system in order to achieve retirement Similar?

The president of the Peruvian Association of Insurance Companies (Apeseg), Eduardo Morón, notes that when evaluating how to finance your old age, you should consider whether you are a person with a large family, a partner, and your age.

Based on this, you should start with a goal, for this he suggests striving to be able to spend half of what we spend today.

“Why half? Because the kids will have already left home and we will already have a few items that we don’t need to buy again (…) So, for example, let’s imagine that today we spend 2000 soles a month so that be closer to 65 years old ability to spend 1,000 soles a month,” he told Andina.

Moron points out that in order to retire sols 1,000 a month at the age of 65, a fund of 180,000 somoni must be accumulated. As indicated, with this amount, we will be sure that we will receive at least this amount using a financial instrument called “annuity”.

The specialist clarifies that “annuity” is a product that involves the transfer of resources insurance and they will take care of making an income for life without the complications that may arise in other alternatives,

Can self-employed workers reach this pension?

Independent workers are not necessarily linked to a pension fund and in many cases they also do not have a fixed monthly income, so how can a pension of at least S$1,000 be achieved under these conditions of employment?

“Let’s start with our budget monthly, as we talked about at the beginning. In this way, it will be easy to recognize our true ability to save,” said Moron.

It is estimated that this could be achieved by saving 10% of our monthly income.

“If I go back to the example of a household that spent 2,000 soles a month, then at least 10% accountsIn 50 years, the goal of creating a piggy bank that ensures the availability of resources for all old age will be achieved,” he said.

Source: RPP

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