In 2024, 75% of the people who retired did so through some moratorium to access minimal retirement.
For a few days Moratoriums ceased to be available for those people who were at retirement age but did not arrive with the 30 years of necessary contributions. That is, men over 65 and women over 60, who did not have the amount of years provided to the provisional system, had the possibility of buying such contributions through the moratoriums and thus being able to access at least a minimum retirement that today is $ 323,232 (including the 70K bonus granted by the State).
This measure has a significant impact In pension matters, taking into account that in 2024 75% of the people who retired did so through some moratorium to access minimal retirement.
With this scenario the only viable alternative currently for people who do not have the necessary contributions, is to access the Universal Pension for Older Adults (PUAM) which represents 80% of the minimum retirement, making even more complicated reach the end of the month with that income, this without counting that the age to access this pension is at 65 independently if you are a man or woman.
For this reason and added to a pension regime that has several cracks (monotributistas and autonomous perceiving the minimum regardless of the category they have, a maximum retirement that in many cases does not reach to maintain the current lifestyle for those who have higher income, PAMI medical benefit with shortcomings), made me make that will begin to take greater prominence A savings tool that has several decades in the market, and that functions as an excellent complement to the retirement stage: Savings insurance.
These insurance not only help generate savings for the retirement stage, but also allow partial rescues (money retreats) during the years of contributions. One of the greatest advantages that it has is its savings system, since it is something methodical considering that they are monthly savings and that they are carried out by debit, they can be done in pesos or in dollars, and the best of all is that today it can be accessed from very accessible amounts (there are companies in which you can save from $ 15,000 per month).
For those reached by the Income Tax they are deductible from the taxable base of said tax, they are not seized, and are inheritable (one or more beneficiaries are designated) without the need for succession.
The purpose of these tools is not to replace any investment, but act as a long -term complement that allows in an orderly and safe way (it is worth mentioning that they are regulated by the Superintendence of Insurance of the Nation) accumulate a capital saved to allocate to any project, or not to depend only tomorrow only on the retirement of the State.
Finally, it is advisable, for this savings system or for any other, it is start doing it in a planned way and with timein order to achieve the proposed objective in an orderly manner and according to the current savings possibilities.
By Gabriel Sánchez, Bachelor of Business Administration and Financial Planner.
Source: Ambito
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