{"id":2613,"date":"2022-06-25T17:11:54","date_gmt":"2022-06-25T22:11:54","guid":{"rendered":"https:\/\/apurata.com\/blog\/?p=2613"},"modified":"2022-12-28T20:01:01","modified_gmt":"2022-12-29T01:01:01","slug":"que-afp-es-mejor","status":"publish","type":"post","link":"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/","title":{"rendered":"\u00bfQu\u00e9 AFP es mejor? | Todo lo que necesitas saber"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de Contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFQue_es_una_AFP\" >\u00bfQu\u00e9 es una AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFCual_es_la_diferencia_entre_AFP_y_ONP\" >\u00bfCu\u00e1l es la diferencia entre AFP y ONP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFCuales_son_las_AFP_que_hay_en_el_Peru\" >\u00bfCu\u00e1les son las AFP que hay en el Per\u00fa?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#AFP_Habitat\" >AFP Habitat<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#AFP_Prima\" >AFP Prima<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#AFP_Integra\" >AFP Integra<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#AFP_Profuturo\" >AFP Profuturo<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFQue_AFP_es_mejor_%E2%80%94_Comisiones_y_Primas_de_Seguro_del_SPP\" >\u00bfQu\u00e9 AFP es mejor? \u2014 Comisiones y Primas de Seguro del SPP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFComo_afiliarse_a_una_AFP\" >\u00bfC\u00f3mo afiliarse a una AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFCual_es_el_porcentaje_de_aporte_a_la_AFP\" >\u00bfCu\u00e1l es el porcentaje de aporte a la AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFComo_puedo_saber_si_estoy_en_la_ONP_o_AFP\" >\u00bfC\u00f3mo puedo saber si estoy en la ONP o AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFComo_saber_en_que_AFP_estoy_afiliado\" >\u00bfC\u00f3mo saber en qu\u00e9 AFP estoy afiliado?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFCuales_son_los_beneficios_de_los_fondos_de_AFP\" >\u00bfCu\u00e1les son los beneficios de los fondos de AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFComo_puedo_saber_cuanto_tengo_en_mi_fondo_de_AFP\" >\u00bfC\u00f3mo puedo saber cu\u00e1nto tengo en mi fondo de AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFCuantos_anos_tengo_que_aportar_para_jubilarme_en_una_AFP\" >\u00bfCu\u00e1ntos a\u00f1os tengo que aportar para jubilarme en una AFP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/#%C2%BFComo_cambiarse_de_AFP\" >\u00bfC\u00f3mo cambiarse de AFP?<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_una_AFP\"><\/span><strong>\u00bfQu\u00e9 es una AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Las <a rel=\"noreferrer noopener\" href=\"https:\/\/apurata.com\/blog\/que-son-las-afp\/\" target=\"_blank\"><strong>Administradoras de Fondos de Pensiones (AFP)<\/strong><\/a>, son instituciones privadas que tienen como \u00fanico fin la administraci\u00f3n de los fondos de pensiones bajo la modalidad de cuentas personales. Otorgan pensiones de jubilaci\u00f3n, invalidez, sobrevivencia y proporcionan gastos de sepelio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La principal funci\u00f3n de las AFP es rentabilizar el fondo de pensiones de los trabajadores, las AFP operan dentro del Sistema Privado de Pensiones (SPP), el cual es supervisado y fiscalizado por la Superintendencia de Banca, Seguros y AFP (SBS).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_diferencia_entre_AFP_y_ONP\"><\/span><strong>\u00bfCu\u00e1l es la diferencia entre AFP y ONP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">AFP<\/th><th class=\"has-text-align-center\" data-align=\"center\">ONP<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Tus aportes se acumulan y generan rentabilidad en una cuenta personal.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tus aportes van a un fondo com\u00fan.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Al momento de jubilarse puedes retirar el 95.5% de tu fondo.<\/td><td class=\"has-text-align-center\" data-align=\"center\">No puedes retirar tu fondo, sino recibir una pensi\u00f3n de tu jubilaci\u00f3n por un aporte de 20 a\u00f1os.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Puedes retirar el 25% para pagar la cuota inicial de tu primer inmueble.<\/td><td class=\"has-text-align-center\" data-align=\"center\">No puedes retirar.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">No pierdes tus aportes porque no hay un m\u00ednimo de a\u00f1os de aportaci\u00f3n y puedes elegir retirar tus fondos.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Puede perder tus aportes si no aportas menos de 20 a\u00f1os.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">El c\u00e1lculo de AFP promedio de tu pensi\u00f3n de jubilaci\u00f3n es de S\/. 1050.00<\/td><td class=\"has-text-align-center\" data-align=\"center\">El promedio de pensi\u00f3n de jubilaci\u00f3n es S\/. 689.00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/apurata.com\/?utm_source=SerpGuru&amp;utm_medium=Blog&amp;utm_campaign=que-afp-es-mejor_Ad1\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" data-src=\"https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata.jpg\" alt=\"que afp es mejor apurata\" class=\"wp-image-2607 lazyload\" width=\"768\" height=\"455\" data-srcset=\"https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata.jpg 1024w, https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata-300x178.jpg 300w, https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata-768x455.jpg 768w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/455;\" \/><\/a><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_las_AFP_que_hay_en_el_Peru\"><\/span><strong>\u00bfCu\u00e1les son las AFP que hay en el Per\u00fa?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si te preguntas cu\u00e1ntas AFP hay en el mercado peruano, cu\u00e1les son las AFP en el Per\u00fa en 2022 o a qu\u00e9 AFP deben ingresar los nuevos afiliados, la respuesta es sencilla, las AFP que se encuentra operando actualmente en Per\u00fa son cuatro: AFP Habitat, AFP Integra, AFP Prima y AFP Profuturo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AFP_Habitat\"><\/span><strong>AFP Habitat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Es una administradora de fondo de pensiones con m\u00e1s de ocho a\u00f1os de operaciones en Per\u00fa que cuenta con el respaldo de <em>Prudential Financial<\/em>, empresa estadounidense con presencia en m\u00e1s de cuarenta pa\u00edses. Asimismo, AFP Habitat es parte de <em>Inversiones La Construcci\u00f3n<\/em>, el conglomerado de inversionistas m\u00e1s grande de Chile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AFP_Prima\"><\/span><strong>AFP Prima<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Es una instituci\u00f3n financiera que pertenece al <em>grupo Credicorp<\/em>, holding peruano que cuenta con cinco unidades o l\u00edneas de negocios. AFP Prima viene operando en el Per\u00fa desde el a\u00f1o 2005.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AFP_Integra\"><\/span><strong>AFP Integra<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">AFP Integra es una instituci\u00f3n perteneciente al <em>grupo Sura<\/em> que administra el sistema de pensiones en varios pa\u00edses de Latinoam\u00e9rica.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AFP_Profuturo\"><\/span><strong>AFP Profuturo<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Es la administradora de fondo de pensiones que pertenece al <em>grupo Scotiabank<\/em>. AFP Profuturo es una de las empresas canadienses con mayor presencia en Latinoam\u00e9rica.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_AFP_es_mejor_%E2%80%94_Comisiones_y_Primas_de_Seguro_del_SPP\"><\/span><strong>\u00bfQu\u00e9 AFP es mejor? \u2014 Comisiones y Primas de Seguro del SPP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>AFP<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>COMISI\u00d3N SOBRE FLUJO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>COMISI\u00d3N MIXTA SOBRE FLUJO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>COMISI\u00d3N MIXTA ANUAL SOBRE SALDO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>PRIMA DE SEGUROS&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>APORTE OBLIGATORIO AL FONDO DE PENSIONES<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>HABITAT<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.47%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.23%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.25%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.74%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.00%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>INTEGRA<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.55%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.00%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.79%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.74%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.00%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>PRIMA<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.60%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.18%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.25%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.74%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.00%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>PROFUTURO<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1.69%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.28%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.20%<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.74%<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.00%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_afiliarse_a_una_AFP\"><\/span><strong>\u00bfC\u00f3mo afiliarse a una AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Trabajador dependiente:<\/strong> Para afiliarte a la AFP por primera vez debes solicitar a tu empleador la afiliaci\u00f3n a la AFP ganadora de la licitaci\u00f3n por los nuevos ingresos al sistema organizado por la SBS (Superintendencia de Banca, Seguros y AFP). Para inscribirse en una AFP el \u00fanico requisito es presentar la copia de tu DNI, carn\u00e9 militar o carn\u00e9 policial. Por otro lado, si ya te encuentras afiliado a otro r\u00e9gimen de pensiones, entonces tambi\u00e9n deber\u00e1s presentar una copia de tus dos \u00faltimas boletas de pago.<\/li><li><strong>Trabajador independiente:<\/strong> Deber\u00e1s presentar una copia de tu DNI. En caso de ser mayor de 50 a\u00f1os debes suscribir a la AFP una solicitud de Declaraci\u00f3n Jurada sobre tus conocimientos sobre el Sistema Privado de Pensiones y Sistema Nacional de Pensiones.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El tr\u00e1mite de afiliaci\u00f3n a una AFP se puede realizar de forma virtual a trav\u00e9s de la p\u00e1gina web o de forma presencial en las oficinas de la AFP que hayas elegido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_el_porcentaje_de_aporte_a_la_AFP\"><\/span><strong>\u00bfCu\u00e1l es el porcentaje de aporte a la AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El porcentaje de aporte es el 10% de tu sueldo bruto (en planilla). Las variaciones de comisiones y seguros depender\u00e1n de la AFP donde est\u00e1s afiliado.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/apurata.com\/?utm_source=SerpGuru&amp;utm_medium=Blog&amp;utm_campaign=que-afp-es-mejor_Ad2\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" data-src=\"https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata-peru.jpg\" alt=\"que afp es mejor apurata peru\" class=\"wp-image-2608 lazyload\" width=\"768\" height=\"455\" data-srcset=\"https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata-peru.jpg 1024w, https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata-peru-300x178.jpg 300w, https:\/\/apurata.com\/wp-content\/uploads\/2022\/06\/que-afp-es-mejor-apurata-peru-768x455.jpg 768w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/455;\" \/><\/a><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_puedo_saber_si_estoy_en_la_ONP_o_AFP\"><\/span><strong>\u00bfC\u00f3mo puedo saber si estoy en la ONP o AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para saber si est\u00e1s en <a rel=\"noreferrer noopener\" href=\"https:\/\/apurata.com\/blog\/onp-o-afp\/\" target=\"_blank\"><strong>AFP u ONP<\/strong><\/a> puedes realizar la consulta en la p\u00e1gina web de la SBS con el n\u00famero de tu DNI o nombres y apellidos. Si no figuras en la lista de las AFP, seguramente te encuentras afiliado en la <a rel=\"noreferrer noopener\" href=\"https:\/\/apurata.com\/blog\/que-es-la-onp\/\" target=\"_blank\"><strong>ONP<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_saber_en_que_AFP_estoy_afiliado\"><\/span><strong>\u00bfC\u00f3mo saber en qu\u00e9 AFP estoy afiliado?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para conocer en qu\u00e9 AFP te encuentras afiliado ingresa a la consulta de afiliados de SBS y luego elige una de las siguientes opciones: Buscar por nombres y apellidos o Buscar por tipo de documento. Llena los campos requeridos, acepta las pol\u00edticas de privacidad y pulsa en el bot\u00f3n de Buscar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_los_beneficios_de_los_fondos_de_AFP\"><\/span><strong>\u00bfCu\u00e1les son los beneficios de los fondos de AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Los beneficios de aportar a una AFP son:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Jubilaci\u00f3n adelantada<\/li><li>Posibilidad de elegir la modalidad de pensi\u00f3n<\/li><li>Seguro de invalidez, sobrevivencia y gastos de sepelio<\/li><li>Cobertura de salud en Essalud<\/li><li>Aportes voluntarios<\/li><li>Cuenta Individual de Capitalizaci\u00f3n<\/li><li>Rentabilidad<\/li><li>Bono de Reconocimiento<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_puedo_saber_cuanto_tengo_en_mi_fondo_de_AFP\"><\/span><strong>\u00bfC\u00f3mo puedo saber cu\u00e1nto tengo en mi fondo de AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para tener el c\u00e1lculo de pensi\u00f3n AFP; monto acumulado y la rentabilidad que est\u00e1 generando tus aportes en AFP, entra a la p\u00e1gina web de la AFP e ingresa con tu usuario y contrase\u00f1a que te brind\u00f3 la empresa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuantos_anos_tengo_que_aportar_para_jubilarme_en_una_AFP\"><\/span><strong>\u00bfCu\u00e1ntos a\u00f1os tengo que aportar para jubilarme en una AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En el Sistema Privado de Pensiones no existe un aporte m\u00ednimo de a\u00f1os para la jubilaci\u00f3n. Si eres una persona de 50 a\u00f1os puedes afiliarte a fondo 0 de AFP y podr\u00e1s recibir tu pensi\u00f3n dentro de los 10 o 15 a\u00f1os.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_cambiarse_de_AFP\"><\/span><strong>\u00bfC\u00f3mo cambiarse de AFP?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si ya cumpliste 2 a\u00f1os (24 meses) dentro del sistema, eres libre de hacer cambio de AFP del sistema.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es una AFP? Las Administradoras de Fondos de Pensiones (AFP), son instituciones privadas que tienen como \u00fanico fin la administraci\u00f3n de los fondos de pensiones bajo la modalidad de cuentas personales. Otorgan pensiones de jubilaci\u00f3n, invalidez, sobrevivencia y proporcionan gastos de sepelio. La principal funci\u00f3n de las AFP es rentabilizar el fondo de pensiones &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/apurata.com\/blog\/que-afp-es-mejor\/\"> <span class=\"screen-reader-text\">\u00bfQu\u00e9 AFP es mejor? | Todo lo que necesitas saber<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":2606,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":""},"categories":[3],"tags":[],"class_list":["post-2613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacion-financiera"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 AFP es mejor? 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