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For more information on managing your personal finances, contact International Advisor for a free consultation today.

Retirement Funds Administrators

are companies authorized to manage individual retirement accounts as authorized by the Secretaría de Hacienda y Crédito Público of Mexico and overseen by Comisión Nacional del Sistema de Ahorro para el Retiro (Consar).

Afores manage accounts that accumulate contributions by the employer, the federal government and the employee.


Individual retirement accounts contain four separate sub-accounts which are:

  • Retirement, lay-off and old age. This sub-account contains funds contributed by the employer, federal government and employee.

  • The employer contributes with an equivalent to 2% of the employee's salary to retirement and 3.15% of the salary to the lay-off and old age account. Contributions take place bimonthly.

  • The government contributes 0.225% of the salary to the lay-off and old age account bimonthly and an equivalent of 5.5% of minimum wage in the Federal District.

  • The employee contributes with 1.125% of the salary bimonthly.

  • Voluntary contributions. An employer may also contribute extra funds voluntarily. Additional contributions may be done directly with the Afore or automatically deducted from the employer's salary.


International Advisor are proud to announce that we now have a strategic alliance with Principal afore, one of the largest government pension plan managers in the whole of the Americas.

International Advisor are the first and only international financial consultancy in Mexico that  provide afore advice.

This means we able to provide clients with a complete financial service covering all areas related to their retirement planning.

Principal afore are the second largest afore group in Mexico and the largest government pension scheme managers in the USA.

International Advisor is licensed in various jurisdictions around the world, however, the products and services offered by the respective International Advisor entities may vary per jurisdiction. International Advisor does not warrant, either expressly or implied, the accuracy, timeliness, or appropriateness of the information contained on this website.

'The information contained in this Site is for general guidance on matters of interest only. The application and impact of laws can vary widely based on the specific facts involved and your country of residence. Before making any decision or taking any action, you should consult a International Advisor consultant. 
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