Question 1

What is an AFORE account?

Accepted Answer

It is the personal and non-transferable account that each of the workers has, in which the contributions made by the worker, the employer and the government are deposited, as well as the voluntary contributions and the returns earned from the investment of resources.

Question 2

What is an AFORE?

Accepted Answer

The AFORE are financial institutions that manage the retirement savings of workers who contribute to the IMSS or ISSSTE and independent workers so that they can obtain their pension through it.
They also invest the resources in the Specialized Investment Companies of F...

Question 3

What AFORE am I in?

Accepted Answer

There are two options to know in which AFORE your AFORE account is registered:

a) By phone: call SARTEL toll-free at (01 55) 13-28-5000.
b) Online: at www.e-sar.com.mx, entering the Locate your AFORE section
To make the query you must have...

Question 4

What are the dates for AFORE to send the account statement?

Accepted Answer

The AFORE must send the worker the account statement at least three times per year, distributed as follows:

Period 1 January – April

Period May 2 - August

Period September 3 - December

Question 5

How to identify if there is a problem with the Social Security Number (SSN)?

Accepted Answer

There are three cases:

-If the worker has two or more Social Security Numbers.

-If the employer reports a different Social Security Number than the one the worker has contributed to.

-If the worker shares the Social Security Number with another worker.

If...

Question 6

What are the dates for AFORE to send the account statement?

Accepted Answer

The AFORE must send the worker the account statement at least three times per year, distributed as follows:
Period 1 January – April
Period May 2 - August
Period September 3 - December

Question 7

What are the conditions or requirements to make withdrawals from the AFORE account?

Accepted Answer

When the IMSS grants the worker a pension resolution for Advanced Unemployment or Old Age (upon turning 60 or 65 years old or having 500 or 1,250 weeks of contributions depending on the applicable regime).
When due to work hazards, the worker becomes partially or...

Question 8

What happens if a worker has not chosen an AFORE?

Accepted Answer

When a worker has not yet chosen an AFORE, his retirement savings are in a “concentrator account”, if after a year the worker still has not chosen an Administrator, CONSAR will assign his account to an AFORE that has granted the best returns...

Question 9

What are the conditions or requirements to make withdrawals from the AFORE account?

Accepted Answer

When the IMSS grants the worker a pension resolution for Advanced Unemployment or Old Age (upon turning 60 or 65 years old or having 500 or 1,250 weeks of contributions depending on the applicable regime).
When due to work hazards, the worker becomes partially or...

Question 10

How does the balance in the AFORE grow?

Accepted Answer

The AFORES invest resources in investment instruments, regulated by CONSAR, that generate profits so that savings grow day by day.

In addition, it is important to know that the resources are invested in Investment Companies, differentiated according to the age of...

Frequently Asked Questions

Retiro

What is an AFORE account?

What is an AFORE?

What AFORE am I in?

What are the dates for AFORE to send the account statement?

How to identify if there is a problem with the Social Security Number (SSN)?

What are the dates for AFORE to send the account statement?

What are the conditions or requirements to make withdrawals from the AFORE account?

What happens if a worker has not chosen an AFORE?

What are the conditions or requirements to make withdrawals from the AFORE account?

How does the balance in the AFORE grow?