{"id":21513,"date":"2016-10-10T18:45:18","date_gmt":"2016-10-10T23:45:18","guid":{"rendered":"http:\/\/innovatori.space\/lat21\/?p=21513"},"modified":"2016-10-10T18:45:18","modified_gmt":"2016-10-10T23:45:18","slug":"retiro-digno","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=21513","title":{"rendered":"Retiro digno"},"content":{"rendered":"<p><a href=\"http:\/\/l21.mx\/wp-content\/uploads\/2016\/10\/pensiones.jpg\" data-rel=\"penci-gallery-image-content\" ><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-21519\" title=\"pensiones\" src=\"http:\/\/l21.mx\/wp-content\/uploads\/2016\/10\/pensiones.jpg\" alt=\"\" width=\"800\" height=\"595\" srcset=\"https:\/\/l21.mx\/wp-content\/uploads\/2016\/10\/pensiones.jpg 800w, https:\/\/l21.mx\/wp-content\/uploads\/2016\/10\/pensiones-300x223.jpg 300w, https:\/\/l21.mx\/wp-content\/uploads\/2016\/10\/pensiones-768x571.jpg 768w, https:\/\/l21.mx\/wp-content\/uploads\/2016\/10\/pensiones-585x435.jpg 585w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<p><strong>En M\u00e9xico s\u00f3lo el 17% de los adultos mayores reciben pensi\u00f3n, y para 2050 el 23.3% de las mujeres y el 19.5% de los hombres tendr\u00e1n m\u00e1s de 60 a\u00f1os<\/strong><\/p>\n<p>De acuerdo con estimaciones de la Asociaci\u00f3n Mexicana de Instituciones de Seguros (AMIS), en nuestro pa\u00eds seis de cada 10 personas que pertenecen a la poblaci\u00f3n econ\u00f3micamente activa (PEA) no cuentan con un esquema de protecci\u00f3n financiera que les garantice los recursos econ\u00f3micos suficientes para gozar de un retiro digno.<\/p>\n<p>\u201cLa situaci\u00f3n actual de los adultos en edad productiva es preocupante. Cuando lleguen a la edad de 65 a\u00f1os, muchos de estos mexicanos depender\u00e1n econ\u00f3micamente de terceros, es decir, de sus hijos, familiares, asilos o la asistencia social, porque no tienen planes formales de retiro y, por lo tanto, no tendr\u00e1n los recursos econ\u00f3micos para poder ser independientes en sus necesidades b\u00e1sicas\u201d, expresa Carlos Gay, director de Vida y Pensiones de AMIS.<\/p>\n<p>El monto de la pensi\u00f3n que recibir\u00e1 un trabajador que cotiza en un esquema de seguridad social (IMSS o ISSSTE) al momento de su retiro laboral depender\u00e1 de diversos factores, como son la edad de retiro, los a\u00f1os cotizados, el crecimiento salarial, permanencia en el mercado laboral formal, los rendimientos que haya generado el saldo acumulado y, sobre todo, las aportaciones voluntarias.<\/p>\n<p>En los registros del Instituto Nacional de Estad\u00edstica y Geograf\u00eda (Inegi) se muestra que actualmente s\u00f3lo el 17% de los adultos mayores percibe una pensi\u00f3n, y que el 58% de los hombres y el 32% de las mujeres mayores de 60 a\u00f1os reciben ingresos por trabajo o por alg\u00fan negocio.<\/p>\n<p>En M\u00e9xico el ahorro para el retiro se ubica por debajo de la media internacional, que es de aproximadamente 17%. Los trabajadores afiliados al Instituto Mexicano del Seguro Social (IMSS) ahorran el 6.5% de su salario; por su parte, quienes cotizan en el Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (ISSSTE) aportan el 11.3% para su retiro.<\/p>\n<p>En el caso de los trabajadores que empezaron a cotizar en el IMSS a partir del 1 de julio de 1997, con su ahorro del 6.5% de su salario base de cotizaci\u00f3n, al momento de la jubilaci\u00f3n \u00fanicamente recibir\u00e1n una tasa de reemplazo de entre el 25 y 30% con respecto de su \u00faltimo sueldo.<\/p>\n<p>\u201cPor ejemplo, una persona que percibi\u00f3 10 mil pesos mensuales durante toda su vida laboral recibir\u00e1 aproximadamente\u00a0 tres mil pesos para vivir su vejez, cantidad que no le alcanzar\u00eda para mantener el nivel de vida que ten\u00eda hasta antes de retirarse\u201d, reitera el director de Vida y Pensiones de AMIS.<\/p>\n<p>Las estad\u00edsticas del Inegi tambi\u00e9n revelan que para el a\u00f1o 2050, el 23.3% de las personas del g\u00e9nero femenino y el 19.5% de la poblaci\u00f3n masculina tendr\u00e1n 60 a\u00f1os en adelante. Por ello, es indispensable que se busquen alternativas financieras que garanticen una vida digna cuando se llegue a la tercera edad.<\/p>\n<p>Es importante mencionar que, gracias al di\u00e1logo y apertura con las autoridades como la Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico (SHCP), la deducibilidad de los planes personales de retiro y las cuentas personales especiales para el ahorro regresan a sus l\u00edmites originales.<\/p>\n<p>Es decir, en los planes personales de retiro podr\u00e1n deducir hasta el 10% de los ingresos acumulables sin que dichas aportaciones excedan el equivalente a cinco salarios m\u00ednimos generales del \u00e1rea geogr\u00e1fica del contribuyente elevados al a\u00f1o, aproximadamente 133 mil pesos; en cuanto a las cuentas personales especiales para el ahorro el tope es de alrededor de 52 mil pesos.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En M\u00e9xico s\u00f3lo el 17% de los adultos mayores reciben pensi\u00f3n, y para 2050 el 23.3%&hellip;<\/p>\n","protected":false},"author":2,"featured_media":21519,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[4,23],"tags":[],"class_list":["post-21513","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas-y-negocios","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retiro digno | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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