Juan Brignardello Vela
Juan Brignardello Vela, asesor de seguros, se especializa en brindar asesoramiento y gestión comercial en el ámbito de seguros y reclamaciones por siniestros para destacadas empresas en el mercado peruano e internacional.
The management of retirement savings is a topic that deserves attention and understanding, especially in the context of a retirement savings system (Afore) that is based on investing workers' resources. Two terms that frequently arise in this sphere are "capital losses" and "capital gains." Although they may seem similar, their meanings and the impact they can have on your savings are markedly different, and it is crucial to understand them in order to make informed financial decisions. Capital losses refer to a temporary decrease in the value of an investment. It is important to clarify that a capital loss is not necessarily synonymous with a permanent loss. According to Citibanamex, these fluctuations may be influenced by the instability of financial markets, but the key point is that they are usually temporary. Experience indicates that, in most cases, these losses can be recovered over time if the investment is held for the long term. However, it is vital to note that a poor decision or the lack of advice can lead to these capital losses turning into actual losses. On the other hand, capital gains represent an increase in the value of assets. When your retirement savings generate profits, it is said that you have recorded a capital gain. According to Banco Azteca, this increase may be temporary, but it is a positive sign that your investments are performing well in the short or medium term. The ability of Afores to generate capital gains is fundamental, as it not only increases the balance of your account but also contributes to a more comfortable and secure retirement. The operation of Afores is based on an investment strategy that takes into account the age and the time remaining before workers begin to retire. This generational approach means that, as you get closer to retirement, your investment portfolio will adjust to minimize risks and protect your savings. The National Commission of the Retirement Savings System (Consar) constantly oversees these administrators to ensure that they comply with regulations and maintain the security of the funds. It is essential for workers to maintain continuous oversight of their Afore account. This not only involves knowing the current balance but also understanding how those resources are being managed. Transparency and communication with the chosen administrator are essential. Furthermore, in case of any concerns or doubts, it is advisable to seek direct and reliable guidance, avoiding being swayed by rumors or unverified information. Financial education plays a crucial role in managing our investments. Understanding what capital losses and capital gains are, and how they affect our Afore accounts, allows workers to make better decisions about their financial future. Learning about these concepts is a first step toward more efficient management of retirement savings. As Generation X, along with other generations, faces the reality of a more uncertain retirement, knowledge about managing Afore funds becomes vital. The expectations of a secure retirement depend not only on how much is saved but also on how those savings are managed over time. In summary, capital losses and capital gains are terms that, while they may generate concern among workers, are an integral part of how Afores operate. Understanding them can make a difference in the quality of life during retirement. Staying informed and advised is key to ensuring a stable and satisfying financial future. The resources in your individual account ultimately belong to you. Therefore, the power of decision is in your hands.