Contributors to the Private Pension System (SPP) should know that the AFPs charge them a commission for managing their individual funds. These percentages can be on the flow or balance of the affiliate, according to the Superintendency of Banking, Insurance and AFP (SBS). How do you know what kind you belong and how much do you pay for it? We tell you here.
AFP: What is the commission on flow?
It is also called commission on salary because represents a percentage of your gross monthly remuneration. You are within this type of charge if you joined an AFP before February 1, 2013.
AFP: What does the mixed commission or on the balance consist of?
Although the flow rate remains unchanged, the mixed Commission yes it has a major update that It is valid since February 2023. What is it about?
According to the SBS, it will charge you only the percentage of the annual accumulated fund (balance) of the affiliate and no longer the of monthly gross pay because this option was removed. With this modification, around 6.8 million affiliates who paid a mixed commission benefit.
- It is up to you to pay it if you joined as of February 1, 2013.
- It is up to you to pay it if you belonged to the flow commission, but you did not ratify your permanence.
Commission percentages in the 4 AFPs
Affiliates should know that the percentages vary according to each AFP to which they belong. Next, We detail the list of the four administrators that they charge you based on the type of commission. It should be mentioned that this SBS information is updated until April 2023.
| AFP | Commission on flow (% of gross remuneration) |
Annual commission on balance (mixed) |
| Habitat | 1.47% | 1.25% |
| Integra | 1.55% | 0.79% |
| Cousin | 1.60% | 1.25% |
| future | 1.69% | 1.20% |
AFP: what is the link to find out what type of commission I pay?
To find out how much percentage you pay, you must visit the website or app of your AFP and go to the “account statement” section.
- AFP Integra: If you belong to this administrator, enter the following link: www.afpintegra.pe/iniciar-sesion.
- AFP premium: go to this link.
- AFP Habitat: you must enter www.afphabitat.com.pe/my-account.
- Future AFP: If you are a member of this administrator, go to https://enlinea.profuturo.com.pe/zonaprivada/login.
Source: Larepublica
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