The Administrators of pension funds, also known as AFPs by their acronym, are private institutions that manage your money with the purpose of generating profits for your benefit and thus finance your retirement through a pension. In Peru there are a total of four administrators that operate: AFP Prima, Integra, Hábitat and Profuturo. In this note, learn how to know which one you belong to and how much money you have saved so far.
.
How do I know which AFP I am affiliated with?
If you are part of the Private Pension System, it is very likely that you belong to the AFP that won the tender at the time of your affiliation. To clear your doubts, you only need to enter the website of the Superintendence of Banking and Insurance of Peru and follow these steps:
- Step 1: Enter the SBS web platform.
- Step 2: select the option search by names and surnames.
- Step 3: Write your paternal last name, maternal last name and first name.
- Step 4: Click on search for and ready. All the information you need will appear.
How to know how much money I have in my AFP?
Now that you know which AFP you are affiliated with, it is very likely that you want to know how much money you have saved so far. Learn HERE how to carry out this process depending on the AFP to which you belong.
AFP integra
- Enter the official page of AFP Integra
- Enter your type and number of identity document.
- Type your password and press get into. That’s it.
AFP Before
- Access the Prima AFP web platform
- Go to the ‘My account’ section and then ‘people account’
- Enter the ID number plus the password and press enter.
AFP Profuturo
- Enter the official page of AFP Profuturo
- Look for the box ‘enter your private area’ and click on the button.
- Enter the requested data and your web password.
- Check your balance.
AFP Habitad
- Access your web platform AFP Habitad
- Put the data.
- Click on enter.
What are the differences between the AFP and ONP?
Every new worker on the payroll must decide between contributing to an AFP or to the ONP. For this, you must know well the advantages and disadvantages of these two pension systems.
In the case of the AFP, your money is safeguarded in your personal account where you yourself build your pension fund over the years. This fund is made up of your contributions and the profitability they have generated.
On the other hand, in the ONP your contributions go to a common fund, which finances the pensions of the current retirees, so to collect it you must reach the retirement age of 65 years and have contributed for 20 years.
On the other hand, in the AFP there is no minimum time for contributions to be made to enjoy a pension. When the worker reaches the legal retirement age, the calculation will be made according to what he has saved in the years of contribution.
.
Kingston is an accomplished author and journalist, known for his in-depth and engaging writing on sports. He currently works as a writer at 247 News Agency, where he has established himself as a respected voice in the sports industry.
