The Mexican employees that they find in a formal labor space, have benefits and institutions that offer them as workers, tools that allow them to access a dignified and better quality life, among these services is the Social Security, access to a home loanas well as a retirement savings fund.

The Administrators of the Retirement Fund (Afore), are financial institutions in charge of taking care of and managing the money that you as an employee are saving for the moment in which end your work periodin an agreement the government, your employer and you allocate a percentage to your savings accountfor the time of withdrawal.

However, in order to have access to this money that you have saved as a worker, you must know in what Afore you are registered, for this the National Commission of the Retirement Savings System (Consar) specifies how the income we contribute to this system is integrated.

contributions do not depend 100% of you and your salary. The natural composition of Afore is 6.5% of your base salary and is divided as follows:

  • 5.5% the pattern
  • 0.225% the federal government
  • 1.125% the worker

The percentage of voluntary contributions depends on each worker. It should be noted that it is important to know in which Afore your resources are found, because you are charged commissions and generate returns to take care of your money, that is why you should choose the institution that best meets your needs, you should also know that you can change your Afore whenever you decide.

From the first moment an employee begins to contribute to the IMSS or ISSSTEthe eat determines a Afore automatically, but as we already mentioned, in case you want to change the administrator, you can do it, although it can only be done once a year.

In case you do not know in which Afore you are registered because you did not choose one, you have these alternatives to know that information:

  • By phone by calling SARTEL: 55 1328-5000
  • Online by going to
  • Downloading the AforeMóvil App

At the time of making this query you will be asked:

  • Social Security Number (SSN) in case of having IMSS
  • curp if you have ISSSTE
  • Count of email Where do you want to receive the information?

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These data are necessary so that you know the administrator that is in charge of your resources, it is important that you know what the commission is and the returns that your Afore generates, in this way you can decide if you stay with that institution or if you make your change, remember that the benefit will be for you at the time of your job retirement.


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