{"id":1212,"date":"2021-03-02T08:33:28","date_gmt":"2021-03-02T11:33:28","guid":{"rendered":"https:\/\/deempleo.net\/blog\/?p=1212"},"modified":"2021-03-02T08:33:28","modified_gmt":"2021-03-02T11:33:28","slug":"que-tan-recomendable-es-realizar-un-cambio-de-afore","status":"publish","type":"post","link":"https:\/\/deempleo.net\/blog\/2021\/03\/que-tan-recomendable-es-realizar-un-cambio-de-afore\/","title":{"rendered":"\u00bfQu\u00e9 tan recomendable es realizar un cambio de Afore?"},"content":{"rendered":"<p>Hacer un\u00a0<a href=\"https:\/\/afore.suramexico.com\/afore\/\"><strong>cambio de afore<\/strong><\/a>\u00a0a otra que le genere mejores rendimientos puede resultar ben\u00e9fico para su ahorro para el retiro. Si durante estos meses de contingencia est\u00e1 pensando en migrar a otra administradora que resguarde sus recursos, hay algunos factores que debe considerar antes de realizar este tr\u00e1mite.<\/p>\n<p>De acuerdo con la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (Condusef) por la contingencia del Covid-19 y la incertidumbre financiera generada, no es un buen momento para hacer un\u00a0<strong>cambio de afore<\/strong>, pese a ello, depender\u00e1 de la situaci\u00f3n de cada trabajador.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1213\" src=\"https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/03\/money-2724241_640.jpg\" alt=\"\" width=\"640\" height=\"432\" srcset=\"https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/03\/money-2724241_640.jpg 640w, https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/03\/money-2724241_640-300x203.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p>Cada trabajador debe revisar el estado de cuenta de su afore antes de migrar a otra administradora, esto con la finalidad de revisar si los ahorros presentan ganancias o p\u00e9rdidas.<\/p>\n<p>Actualmente las condiciones de recuperaci\u00f3n de los mercados financieros y de las inversiones en general hacen posible un\u00a0<strong>cambio de afore<\/strong>\u00a0sin que se presenten condiciones negativas en los saldos de los trabajadores.<\/p>\n<p>No es recomendable el cambio de afore cuando se pasa por momentos de volatilidad en los mercados financieros, lo cual se refleja en las minusval\u00edas reportadas en el estado de cuenta de los ahorros del trabajador. Porque el valor de los t\u00edtulos o acciones valen menos y esto puede hacer que en ese caso de cambio el trabajador absorba la p\u00e9rdida del valor de su dinero.<\/p>\n<p>Cuando el trabajador encuentra rendimientos negativos en su estado de cuenta, t\u00e9cnicamente no tiene una p\u00e9rdida, sino una minusval\u00eda, es decir un valor negativo en el ahorro.<\/p>\n<p>Sin embargo, dicha cifra no se capitaliza, es decir no se hace efectiva, mientras el trabajador no realice retiros o cambie de afore.<\/p>\n<p>Antes de migrar a otra afore, el trabajador debe considerar y analizar algunos indicadores como el rendimiento neto, las comisiones, el servicio en general, la aplicaci\u00f3n m\u00f3vil (en caso de tener) y la consistencia de rentabilidad a largo plazo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hacer un\u00a0cambio de afore\u00a0a otra que le genere mejores rendimientos puede resultar ben\u00e9fico para su ahorro para el retiro. Si durante estos meses de contingencia est\u00e1 pensando en migrar a [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1213,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[113],"tags":[],"class_list":["post-1212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips-consejos","has_thumb"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 tan recomendable es realizar un cambio de Afore? - Bolsa de Empleo - DeEmpleo.Net<\/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:\/\/deempleo.net\/blog\/2021\/03\/que-tan-recomendable-es-realizar-un-cambio-de-afore\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 tan recomendable es realizar un cambio de Afore? - Bolsa de Empleo - DeEmpleo.Net\" \/>\n<meta property=\"og:description\" content=\"Hacer un\u00a0cambio de afore\u00a0a otra que le genere mejores rendimientos puede resultar ben\u00e9fico para su ahorro para el retiro. 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