The importance of planning the direction of savings


In the economy For any person or family, saving plays an important role, therefore, planning it can be of great help to achieve a goal.

According to data from National Institute of Statistic and Geography (inegi), 3 out of 10 Mexicans do not save, which is equal to 26% of all population in Mexico.

“What needs to be highlighted is that there are people who are saving, however, they have not clearly identified what the appropriate investment instrument is or they have not defined what they want to save for, which means that this is not a permanent habit” , Explain Gerardo Chavarriamanager of methodology and commercial advice in Afore Surah.

As part of the webinar “Savings for non-savers“, organized by Afore Surahthe specialist pointed out that although as a result of the health crisis who left the pandemic people are more aware of the importance of saving, they do not always carry it out in the right way.

In such a way that the expert considers that the main thing to make this habit part of our daily life, the first thing is to identify why it is important to do it.

Whereupon he makes the following points:

  1. Avoid getting into debt at the slightest chance with friends, family, or with financial entities.
  2. By saving you avoid stressing yourself and you avoid stressing your economy to cover loan terms.
  3. Avoid paying high interest rates or commissions due to the loans you applied for.
  4. You have the financial confidence to overcome an emergency (health, unemployment or accidents)
  5. You can set a financial goal and meet it in the short, medium and long term (car down payment, wedding, studies).
  6. It gives you peace of mind to have your money in your pocket in the future.

To plan

In addition, Gerardo Chavarria He indicated that for saving to become a permanent habit, it is essential to set a goal and plan it.

What do I want to save for? How long do I want to save it? What is the OBJETIVE? o How much could I be saving periodically to fulfill my purpose? These are some of the questions we have to ask ourselves when defining the reason for saving.

“There is a lack of discipline, we have seen that, if we have not identified what I am saving it for, that in the vast majority they are only saving it, the result is that the objective is not identified, vacations or an offer arrive and we take it” , indicates.

Chavarría, pointed out that for this reason it is also important that this resource be placed somewhere financial instrument that generates performance and has a defined term as what the companies offer afores.

“Let us be confident that voluntary savings within the Afore can help us to comply with financial goals of short, medium and long term, which is one of the best investment instruments for the population in general and has this component of security, standards, regulation and supervision that there will be nothing that these resources are managed contrary to the interests of customers or workers.

He recalled that there are different types of savings within the Afore that go according to each personal goal: short, medium and long term and to specify it, the following points can be taken into account:

  1. Define what financial goal you want to achieve.
  2. Define how long you want to achieve it.
  3. Set how much money you will save in your account.

“You must be aware of the instrument in which you are investing, what is the scope and returns in the medium and long term.”

How to make Voluntary Savings

Here are some easy, safe and quick options to make voluntary savings in your afore:

  • commercial networks. You can deposit at more than 17,000 points nationwide, you just need to have an afore account and CURP. You can save from 50 pesos without commissions.
  • apps. It can be done at any time from your cell phone or Smartphone by downloading the Transfer APP or through an SMS message.
  • Afore Mobile. If you have already downloaded the app, you can make voluntary contributions from your cell phone.

[email protected]



Leave a Comment