Módulo V. Ahorro Voluntario

Ahorro Voluntario refers to deposits made voluntarily by the worker, employer, entity, or agency into the individual account managed by the AFORE. It is a type of savings where individuals choose to contribute additional funds to their retirement account beyond the mandatory contributions. This allows individuals to save more for their future and have greater control over their retirement savings.

The correct answer is "20% or withdraw them when you have a negative pension or until you are 65 years old." This means that if you choose to withdraw your Deductible Voluntary Contributions, you will be subjected to a 20% tax withholding. Alternatively, you can withdraw them if you have a negative pension or wait until you reach the age of 65.

The correct answer is "Tasa de Remplazo". This term refers to the monthly amount that you will receive when you retire compared to the last salary you earned while working. It is a measure of how much of your pre-retirement income will be replaced by your pension or retirement benefits.

The statement is true because it states that Long-Term Savings can be withdrawn after 5 years from the moment the deposit is made. This implies that there is a specific time requirement for the withdrawal of funds from Long-Term Savings, and that time is 5 years.

The correct answer is "Aportaciones de Ahorro Solidario." This is because these contributions are specifically made by workers who contribute to the ISSSTE (Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado) and are intended to increase their pension.

The correct answer is "Una Solicitud de disposición de Ahorro Voluntario". This is because the phrase "El recurso del Ahorro Solidario se le entregará a los beneficiarios del trabajador mediante" suggests that the beneficiaries will receive the savings through a request for voluntary savings disposition. The other options, such as a phone call to the AFORE or presenting documents, do not align with the idea of a formal request for the use of voluntary savings.

The correct answer is "Hasta el 10% de los ingresos del trabajador sin que excedan el 5% SMV elevado al año." This means that individuals can deduct up to 10% of their income for Voluntary Contributions and Complementary Contributions for Retirement, as long as it does not exceed 5% of the Monthly Minimum Wage (SMV) raised to the year. This option allows individuals to save for retirement while still ensuring that the deduction does not exceed a certain percentage of their income or the annual SMV.

The correct answer is "Domiciliación" because it is stated in the question that it is the most common and convenient deposit method for voluntary savings for workers. Domiciliación refers to the automatic deduction of a certain amount from the worker's bank account and depositing it into their savings account. This method eliminates the need for the worker to physically go to a bank or make manual transactions, making it a convenient option for saving money.

If you make deductible contributions, there is a tax withholding rate that will be charged. The correct answer is 20%. This means that if you make deductible contributions, 20% of the amount will be withheld for taxes.

The correct answer is "Aportaciones Voluntarias con Perspectiva de Inversión a Largo Plazo y Aportaciones Voluntarias." This answer is correct because it includes both "Aportaciones Voluntarias con Perspectiva de Inversión a Largo Plazo" and "Aportaciones Voluntarias," which are both mentioned as part of the Aportaciones Voluntarias.

After making voluntary non-deductible contributions to the SIEFORE Básica, individuals can withdraw their contributions after 6 months from either the first deposit or the last withdrawal. This means that individuals must wait for a minimum of 6 months before they can access their funds.

El Ahorro Voluntario sirve para obtener un mejor rendimiento. Esto significa que si una persona decide ahorrar de manera voluntaria, es decir, sin estar obligada a hacerlo, tiene la oportunidad de obtener un rendimiento mayor en comparación con otras formas de ahorro. Esto se debe a que al ahorrar de manera voluntaria, la persona puede elegir dónde y cómo invertir su dinero, buscando opciones que le brinden mayores beneficios y rendimientos. Por lo tanto, la afirmación de que el Ahorro Voluntario sirve para obtener un mejor rendimiento es cierta.

If one of your clients made non-deductible contributions, they will be charged a tax withholding rate of 0.46% annually.