Caída del Fondo E de las AFP: ¿Qué conviene hacer hoy si me quiero pensionar? ¿Renta vitalicia o retiro programado?
The AFP's Fund E fell 10% as of September, prompting retirement questions from people who may need income soon. Those who choose programmed withdrawal would not see a 10% cut in their pension, although the benefit could be about 2% lower than the amount available at the beginning of the year. Someone retiring immediately through a life annuity would face a larger effect from the fund's recent losses. An immediate annuity helps determine the pension payment from the fund's value at conversion, making a recent fall directly relevant. Programmed withdrawal spreads the savings over a longer period and avoids setting the entire income stream from a single reduced valuation. The practical choice therefore depends on retirement timing and how much monthly income stability matters to the person. People close to retirement have less time for the fund to recover before they begin drawing income.
Para quienes necesitan pensionarse pronto, en caso de optar por un retiro programado, no registrarían una baja en su pensión como la que tuvo el fondo E a septiembre (-10%): sería una pensión hasta 2% menor en comparación a lo que habría obtenido a inicios de año. En cambio, sí vería un efecto mayor si se pensiona inmediatamente vía renta vitalicia.