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Aprenda cómo ahorrar para su pensión

| Martes 2 de Octubre, 2018

Uno de los anhelos de todo trabador es poder disfrutar de una pensión digna, en los últimos meses este tema ha cobrado relevancia, ya que muchos expertos recomiendan una pensión complementaria u otro capital para poder sostenerse en el futuro.

Hermes Alvarado Salas, Gerente General de BN Vital, expresó que ahorrar para una pensión da la oportunidad de poder acceder a un monto de pensión igual, muy cercano o incluso superior al último salario percibido en edad laboral.

“La pensión del IVM es ligeramente superior al 50% del último salario percibido, cayendo con ello drásticamente el nivel de vida. Ahorrar para una pensión permitirá a la persona mantener su poder adquisitivo en esa etapa laboral y disfrutar verdaderamente de esa recompensa por todo el trabajo realizado a lo largo de su vida”, señaló Alvarado.

Por su parte, Víctor Aguilar Quirós, ejecutivo de Educación Financiera de Grupo Mutual, recalcó que es importante ahorrar ya que el monto de la pensión va a ser aproximadamente un 60% del último sueldo o el tope máximo establecido por la Caja Costarricense del Seguro Social (CCSS).

Monto destinado

Una de las preguntas que surge es cuánto se recomienda ahorrar, Grupo Mutual indica que es un 10%, sin embargo para la jubilación es necesario primero analizar el monto aproximado de las cuotas a pagar en el momento de acogerse a la pensión, lo que obtendré por ley e inclusive, el dinero que me gustaría recibir por mes una vez pensionado.

“El monto depende de la edad de cada persona y de su expectativa de pensión, entre más largo sea el plazo para acogerse a una pensión, más pequeño es el monto que se requiere de ahorro mensual para acogerse a una pensión igual al 100% de su último salario”, expresó Aguilar.

 

Fallos

De acuerdo con Hermes Alvarado, dos de los errores son el orden y la disciplina, existe tendencia al sobre endeudamiento y falta mucha disciplina para ajustarse al cumplimiento de un presupuesto propio que permita un mejor control del gasto superfluo.

Vícto Aguilar agregó otro: “el fallo más común es no ver como una prioridad el monto del ahorro, ya que usualmente pensamos: falta mucho tiempo para pensionarme, por ahora no puedo ahorrar, el ahorro no es prioridad para mí, el tema del ahorro como cultura financiera en Costa Rica es algo en lo que todas las entidades financieras debemos trabajar como prioridad, ya que desde pequeños no tenemos ni la formación ni los incentivos necesarios para interiorizar y valorar la importancia del ahorro”.

 

Consejos

Ambos expertos brindan los siguientes consejos:

  • Plantearse un objetivo de vida
  • Soñar cómo se quiere vivir en esa época y hacer una planificación
  • No esperar a estar próximos a jubilarse para iniciar un ahorro complementario.
  • Crear el hábito del ahorro en nuestras vidas.
  • Tener clara la posible fecha de pensión para procurar tener canceladas las deudas y así liberar disponibilidad de recursos para poder vivir tranquilos.

 

Datos

Según la página de la Superintendencia de Pensiones (SUPEN), para tener derecho a la pensión del Régimen de Pensión Básico (IVM), el trabajador debe tener al menos 300 cotizaciones y 65 años de edad. Se puede anticipar la pensión por vejez, en el caso de las mujeres, a partir de 59 años y 11 meses de edad con 450 cuotas; en el caso de los hombres a partir de 61 años y 11 meses de edad con 462 cotizaciones.

 

 

 

 

 

 

 

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