Retirements do not reach, this is an undeniable reality. But why does this happen?
At the global level, two main factors explain this situation: on the one hand, the low birth rate – less people are born – and, on the other, the increase in life expectancy. This generates an imbalance: More retired and less contributing, which makes the collapse system.
In Argentina, this problem is aggravated by high labor informality: many workers do not contribute to the system. The moratorium (Law 25,994) allowed to retire more than 4 million people who had not completed contributions, further pressing the system.
What to do in this situation?
Many experts recommend investing in the long term in international instruments, such as the S&P 500 index, which has historically registered an average profitability close to 10% annual. But not everyone has the time, knowledge or profile for such investments.
There is another alternative, more conservative, planned and simple: retirement insurance.
What is retirement insurance?
It is a long -term savings tool designed for your future.
How does it work? During your working life, you define the age at which you want to retire and make periodic contributions to an insurance company, which invests them and generates returns guaranteed by law. When you reach the age you defined, you can start charging a monthly income, or withdrawing all the accumulated money along with the income generated.
It does not replace your state retirement, complements it and helps you not depend only on it.
What benefits does retirement insurance have?
- It is not frozen: you can withdraw your money when you need it.
- It is flexible: you contribute what you can and when you can.
- Do not lose money, you earn: it has a minimum guaranteed yield by law.
- No one can touch it: it offers tax benefits and is unattachable.
What issues take into account when hiring retirement insurance?
First, choose a solid, reliable and solvent insurance. For example, we work with employer federation, the company number 1 in financial situations of the insurance market.
In addition, it is important to start with time to achieve the objective in an orderly manner and according to your current savings possibilities.
And finally, but not least, always advise with a trusted professional who is trained to issue these policies.
Contact data
11 6860-0299 (Agustin Prats) / 11 6268-3331 (Ariel Prats)
Web: https://pratsproductoresdeguros.com
Instagram: Prats_seguros
Address: Blanca Blanca 115, Wilde
By CEDOC
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