{"id":1257,"date":"2021-05-28T21:25:57","date_gmt":"2021-05-29T00:25:57","guid":{"rendered":"https:\/\/deempleo.net\/blog\/?p=1257"},"modified":"2021-05-28T21:25:57","modified_gmt":"2021-05-29T00:25:57","slug":"cuando-es-conveniente-migrar-de-afore","status":"publish","type":"post","link":"https:\/\/deempleo.net\/blog\/2021\/05\/cuando-es-conveniente-migrar-de-afore\/","title":{"rendered":"\u00bfCu\u00e1ndo es conveniente migrar de Afore?"},"content":{"rendered":"<p><strong>Cambiar de afore<\/strong>\u00a0a otra que le genere mejores rendimientos puede resultar ben\u00e9fico para su ahorro para el retiro. 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 <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=mx.com.procesar.aforemovil.nuevosura&amp;hl=es_MX\">cambiar de afore<\/a>, pese a ello, especialistas consultados se\u00f1alaron que depender\u00e1 de la situaci\u00f3n de cada trabajador.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1258\" src=\"https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/05\/background-1511499_640.jpg\" alt=\"\" width=\"640\" height=\"426\" srcset=\"https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/05\/background-1511499_640.jpg 640w, https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/05\/background-1511499_640-300x200.jpg 300w, https:\/\/deempleo.net\/blog\/wp-content\/uploads\/2021\/05\/background-1511499_640-480x320.jpg 480w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p>Antes de tomar la decisi\u00f3n y\u00a0<strong>cambiar de Afore<\/strong>\u00a0debes tomar en cuenta varios factores que influyen en el ahorro que tienes en tu cuenta.<\/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. Lo anterior, 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\u00a0<strong>cambiar de afore<\/strong>, 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<p>Por lo anterior, es necesario que decidas muy bien antes de realizar cualquier cambio en tu Afore, y de ser posible buscar un experto que te asesore en el tema, para que puedas tomar la decisi\u00f3n que m\u00e1s favorezca a tu futuro.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cambiar de afore\u00a0a otra que le genere mejores rendimientos puede resultar ben\u00e9fico para su ahorro para el retiro. De acuerdo con la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[113],"tags":[318],"class_list":["post-1257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips-consejos","tag-afore","has_thumb"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfCu\u00e1ndo es conveniente migrar 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\/05\/cuando-es-conveniente-migrar-de-afore\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfCu\u00e1ndo es conveniente migrar de Afore? - Bolsa de Empleo - DeEmpleo.Net\" \/>\n<meta property=\"og:description\" content=\"Cambiar de afore\u00a0a otra que le genere mejores rendimientos puede resultar ben\u00e9fico para su ahorro para el retiro. 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