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Retirement Funds Administrators ((スペイン語:Administradoras de Fondos para el Retiro), abbreviated Afores there is used in singular too 'AFORE', there is no relation with the English word afore that means previously) 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. ==Accounts== Individual retirement accounts contain four separate sub-accounts which are: *Retirement, lay-off and old age (RCV, "Retiro, Cesantía y Vejez" in Spanish). 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 employee may also contribute extra funds voluntarily. Additional contributions may be done directly with the Afore or automatically deducted from the employee's salary. *Housing. This is a sub-account into which employers contribute an equivalent of five percent of the employee's salary. Funds are deposited with the INFONAVIT through the Fondo Nacional de la Vivienda ("National Housing Fund") and the Afore only registers contributions and balances. *Complementary contributions. This sub-account will contain additional funds contributed by the employer or the employee to increase the pension balance. These funds can only be withdrawn after retirement. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Retirement Funds Administrators」の詳細全文を読む スポンサード リンク
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