AFP 2023: how to know how much money you have accumulated in your pension fund?

The debate over a seventh withdrawal of AFP funds continues in our country. Between 2020 and 2022, more than 6 million members of the Private Pension System carried out this measure, which meant an outflow of almost S/88,000 million. Faced with the possibility that Peruvians can release their funds again, many workers seek information regarding the capital they have saved to make the best decisions about their financial future. Below, we show you the procedure for you to verify this amount and know which AFP you belong to.

How to find out how much money you have in your AFP?

If you already know which Pension Fund Administrator (AFP) you are in, you should know that these entities have a complete record of your contributions. To find out your accumulated balance and the profitability that the Private Pension System (SPP) has generated, you can access your account statement through your AFP website or application. With this, you will be able to identify if your employer is complying with depositing your contributions monthly:

• AFP Integra: to review the account status in this AFP, you can enter THIS LINK.
• Profuturo AFP: go to the next page at THIS LINK to see your account statement.
• AFP Habitat: if you are affiliated with this AFP, go to THIS LINK and enter your information.
• AFP Premium: to review the account status in this AFP, go to THIS LINK. In the part that says ‘My account’, write your ID number and password.

How do you know which AFP you are affiliated with?

According to the information provided by the Superintendency of Banking, Insurance and AFP (SBS), you can check which AFP you are affiliated with in the following way. Just follow these steps:

• Go to the SBS website and click on the ‘Online Services’ option. Also, you can enter THIS LINK.
• Next, choose the part where it says ‘AFP affiliation report’ so that you know whether or not you are affiliated with any of the administrators.
• Immediately, a new window will open and you must log in. If you do not have an active account, you have to register. To do this, you must read the conditions of use, write your ID and create a password.
• Once you are registered, you will be able to find out if you are affiliated or not, in addition to other information such as the date you joined the SPP, your code, work modality and the type of AFP.

AFP: how to calculate the amount of your retirement pension?

A recurring question among workers is what will be the amount we will receive when we stop working. In that sense, all AFPs offer the public, through their websites, a series of platforms to calculate the money you would receive as a pension at the time of retirement. To achieve this, you only need to register your personal information, current salary and your fund balance. Here we leave you a LINK where you will find the pension calculators of the four fund administrators in our country.

What are the AFP and how to see your account statement?

The AFPs are private institutions that manage pension funds under the modality of personal accounts. In that sense, they grant retirement, disability, and survival pensions, provide funeral expenses, among other benefits intended for their contributors and dependents. They were created in 1993 and operate within the Private Pension System, which is supervised and audited by the SBS.

If you are affiliated with an AFP and want to know your account status, you must log in to their website or application with your ID and password.. If you don’t have one, you can create one with your personal data and generate your own key. Likewise, you can call your AFP or approach one of its agencies to update your data, request a report of your contributions and movements since you made your first affiliation, among others.