You want to know how to consult or see a Account status Habitat In Peru, this article shows, in addition to describing what is related to individual accounts under the responsibility of the Habitat Pension Fund Administrator (AFP) in Peru.
Habitat Account Status
The AFP-Habitat Account Statement allows you to periodically monitor the activities of the fund, observing its evolution, and for this you can use your mobile device or the Virtual Banking channels.
But before indicating how to review your Habitat Account Statement in Peru, it is important to know how the Pension Fund Administrator (AFP) works? What are its benefits? What is Habitat?
Pension Fund Administrators
The AFPs, intend to consolidate a pension system that responds to the social and economic needs of Peruvians, are supervised and supervised by the Superintendence of Banking, Insurance and AFP.
As private financial institutions, they manage pension funds in the form of personal accounts, one of their benefits being granting retirement, disability, survival pensions, in addition to covering funeral expenses.
The operation of these companies is supported by the investment plans that are carried out with the contributions of the affiliates, which means obtaining long-term profits or dividends.
Membership
In Peru, the affiliation options of a worker who seeks quality of life when deciding on the option of retirement, are presented with two options, through a pension system managed by the AFPs and the National Pension System.
Affiliation to a private retirement system implies the possibility that the person may opt for any of the retirement modalities, formalizing it through the subscription of an affiliation contract.
Dependent workers can process their incorporation once they have requested it from their employer as long as they must make contributions and independent workers by presenting their identity document and signing an affidavit.
Affiliation to a private retirement system implies the possibility that the person may choose to:
- Programmed withdrawal This option allows you to continue obtaining profitability while receiving a pension that is re-calculated annually, your relatives receive it as an inheritance in case of death.
- Family Life Annuity, the accumulated amount is administered by an insurer and will be assigned in indexed soles or dollars, if you die there are no heirs to the fund.
- Temporary Income with Deferred Life Annuity, is a mixed modality where 50% of the funds go to the insurer and you have an income in your individual account, this cannot be less than 50%.
- Staggered Life Annuity, the fund is administered by an insurer and is made up of two tranches, it generates a survival pension.
- Mixed option in which we withdraw funds and a retirement pension.
Types of member contributions
- It is obligatory to do it per month of work, this is made up of a payment for affiliation that depends on the AFP, commission for flow.
- Voluntary, aimed at increasing the amount of retirement and with a pension purpose that is capitalized in the CIC.
- Voluntario sin fin Previsional can be quoted at any time by the affiliate over fifty years of age, it is freely available, they constitute an inheritance and third parties can contribute.
AFP Commissions
These are payments made by AFP members on a regular basis, to invest inside and outside the country, with the purpose of generating long-term profitability, for the benefit of the member's future retirement.
The commissions are perceived as remuneration received by the AFP for managing the pension fund and the services provided by these are by mandatory contribution, on flows and mixed.
It should be kept in mind that affiliates pay a commission that is invested in various financial instruments, which is why these funds can generate profits or losses.
Depending on the nature of the funds, all profits or returns must be allocated to the affiliates, since the compensation scheme they obtain when they begin their voluntary layoff period depends on this.
Similarly, the contributions of the affiliate to the social security fund can be estimated approximately in the order of ten percent of their gross income, without considering the voluntary contributions, added to the contribution of the employer, the fund is of an individual nature, it cannot be seized and personal with deposits at sight of the affiliates.
Benefits of the AFP Fund
The Fund constitutes a way to receive income and maintain your quality of life, at the moment you stop being economically active and become retired or pensioned under any modality.
You can dispose individually from the age of sixty-five (65) of ninety-five percent 95.5% of your fund, depending on the type of retirement (early or ordinary) and the remaining four point five percent (4,5%) It goes to EsSALUD, so that you have medical attention when you need it.
The accumulated amount determines how much you retire with, in this order it becomes relevant that you monitor the accumulated return of the funds, which is variable depending on the type and years.
Other benefits of the fund is that it allows you to:
- Have an Individual Capitalization Account (CIC) where the accumulated contributions and the profitability generated by the AFP are recorded.
- Obtain returns or profits that increase the fund.
- Make voluntary contributions to the CIC, for preventive purposes.
- Get insurance for disability, survivor or death
- Be a beneficiary of health service providers.
- The pension is calculated based on the contributions made and the earnings that can be in foreign currency.
In the same way, the expectations of the affiliates about the real benefits they obtain in the long term drives a movement to review the functioning of the AFPs and the possibility of implementing new initiatives or transformations in terms of Social Security, for Peruvians.
Types of AFP Fund
These as investment options for affiliates, are made up under criteria of age of the affiliate and the degree of risk tolerance, they are classified as:
- Fund 0: Capital Protection for those over 65 years of age.
- Fund 1: Capital Preservation if you are 60 years old and retirement is approaching
- Fund 2: Mixed Fund aimed at encouraging those who are in the middle of their working life
- Fund 3: Capital Appreciation Fund in which investments are high risk.
What is AFP Habitat?
It constitutes a pension fund that operates in Peru, but is managed by a Chilean company, whose purpose is to generate profits for the benefit of members who opt for different types of retirement through social security funds.
Hence, its vision is aimed at promoting the value of savings among Peruvians who are on the eve of their retirement from work, proposing higher profitability, efficient commissions and better services.
The AFP Habitat highlights as good practices the saving of resources and the enjoyment of family life and collaboration in carrying out common actions.
See my AFP Account Statement Habitat
The AFP Habitat has an adequate technological platform to provide a wide range of ways to consult the accounts.
The information provided by the transaction log helps you choose at a given time the type of retirement you want to access, but practically:
- Facilitates the control of your contributions and the employer
- It allows evaluating the accumulated amounts, profitability and movements
- You can assess the evolution of the fund in terms of profitability by periods according to your interests.
- Compare the level of profitability in relation to other types of funds
- Follow the recognition bonus
How can I access my Habitat AFP Account Statement?
- Using email, Habitat AFP sends it to its members monthly as long as their data is updated.
- Through the Habi service that is active 24 hours a day all year round, which is an intelligent robot that you access through the social networks Facebook and Messenger.
- The Habitat account, performing online operations, which you access through your password and identification.
Through My Habitat Account
- My Habitat Account is a space made for you to carry out your operations online and also to closely monitor your pension fund.
- To access this space, you only need to choose which document you want to identify yourself with and enter your password.
How to Request the Access Codes?
Having access to the AFP Habitat system is easy and simple, members, pensioners, employers and the general public can access the website www.afphabitat.cl, to process certificates and services at any Virtual Habitat branch.
The services are operational throughout the year and 24 hours a day, members must have a six-digit access code and additionally a security code that allows them to check the transactions on movements in the accounts.
The assignment of the keys complies with security measures that could prevent fraudulent acts, but the user must take precautions, with the use of platforms based on social networks, considering that the companies that provide the services capture sensitive data.
You can request the habitat key using the web portal of the Virtual Agency, following these steps:
- Enter the web portal https://www.afphabitat.com.pe/solicitaclave
- Choose the option Select Key
- Select Document Type
- Place the document number
- Enter the Security Code, displayed on the screen by the system
- Click the Continue button
- You will receive an email with the instructions to obtain the key or recover it if it is the case.
- If you do not have the email registered, you must contact the AFP Habitat Agency to do so.
With the creation of the Habitat Key, you can carry out your transactions online and check the activities of the Previsional Fund in the following way:
- Enter the web portal Virtual Agency https://www.afphabitat.com.pe
- Select the My Habitat Account option
- Enter the Document Type and Number
- Enter your key or password
With the Habitat Account you can do the following operations:
- Check and check the AFP Account Status Habitat
- Consult AFP movements and transactions in the online Personal Account Statement.
- Send the Account Statement to the email.
- View the transactions and the availability of funds, through the document you receive digitally by mail.
- Update personal data or all the information you require to manage your funds, such as family group data who will be the beneficiaries.
- Download the affiliation certificate as a document that certifies that as a dependent or independent worker, you are affiliated with AFP Habitat,
- Request pension contributions, which are deposited in your own capitalization account
- Change background type. The types of funds are related to the level of risk and return, which the AFP Habitat give to members.
- There are five investment alternatives, created to increase the expected value of pensions. They are called:
- Fund A – More Risk
- Fund B- Risky
- Fund C- Intermediate
- Fund D- Conservative
- Fund E- More Conservative
- Join the automatic debit. Through this affiliation, the amounts to be deducted will be made automatically.
Data provided by the Account Statement query
Consulting the Habitat Account Statement helps you review the profitability of pension funds, which have shown a downward trend in recent years, establishing an imbalance in the profitability-risk ratio.
When reviewing the AFP Habitat Account Statement, you can monitor it by requesting through virtual or physical channels to your AFP, to send it to your email, or by entering the website, or through the document they send to inform about the latest contributions. and profitability.
The AFP Personal Account Statement shows the value of your fund, in addition to contextualizing the economic variables that affect the return on contributions.
It should be noted that currently in Peru, the AFPs are subject to review due to the vulnerabilities they show to meet the demands of their affiliates and the diversification of their investment portfolio with minimum return.
This situation has generated the need in some sectors to migrate to other institutions, changing their social security schemes.
However, the AFP Habitat Thisdo personal account, as it is an official document that reflects the perspectives of the savings of people in conditions of vulnerability due to their job loss, facilitates decision-making about changing the chosen modality.
By reflecting the contributions you make as a member and those of your employer, it gives you the opportunity to activate claims or otherwise proceed with legal procedures that speed up the fulfillment of the commitments acquired in a timely manner.
For people who work in several companies, analyze their accounts, they can verify if the employers comply with the disbursements and deposits on a regular basis in order to avoid future setbacks.
In another order, AFP Habitat executes the "Affiliates to a better world" program, with which they establish prizes and rewards for those who choose to review their account statements through the digital platform. The code to participate is sent via email.
This initiative is included in those aimed at consolidating better living conditions and protecting the environment.
Switch from AFP to Habitat
Habitat offers interested parties the opportunity to change funds in order to meet their expectations. The process is simple, determine which of the AFPs you are currently affiliated with (Integra, Prima, Profuturo, or you are not affiliated).
Evaluates as a member or beneficiary, that the AFP-Habitat, continues to rebound in the profitability of Funds type 1,2, 3 and XNUMX, increasing the number of members and with recognition in the stock markets.
If you understand the steps to follow to join and you appreciate the importance of constantly reviewing your Habitat AFP Account Statement, as well as the aspects that describe pension funds as providers of social security for Peruvians, you may want to know about other experiences in your management, in this regard you can access the following.
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