¿Pagar Modalidad 40 con tu AFORE? La nueva iniciativa de Waldo Fernández explicada

🚀 Paying for Voluntary Continuation of Retirement Savings (Modalidad 40) with your AFORE (Retirement Fund Administrator)? This initiative could change everything! Imagine being able to improve your pension using the resources you already have in your individual retirement account. In this video, Minerva Vázquez, Director of PROYECSAR, analyzes in depth the new reform initiative presented in the Senate that seeks to allow the payment of Voluntary Continuation of Retirement Savings (Modalidad 40) contributions with your AFORE balance. Many workers over 55 years of age face difficulties making their monthly or retroactive payments. This proposal not only seeks social justice but also aims to prevent future pensioners from falling into the hands of financial institutions with excessive fees. In this video you will learn: °What exactly this bill entails. °The articles of the Social Security Law and the Retirement Savings System (SAR) Law that are intended to be modified. °Retroactive or monthly payments? What "full or partial withdrawal" means. The risks of not having a professional pension calculation before using your funds. ⚠️ IMPORTANT: Remember that this is a proposed law and still needs to go through the legislative process to become official. Subscribe and turn on notifications to be the first to know if it's approved! 🕒 Key Moments in the Video: 0:00 - Introduction: Is it possible to pay for Voluntary Contribution (Modalidad 40) with your AFORE (Retirement Fund Administrator)? 0:23 - Details of the initiative presented by Senator Waldo Fernández (February 18, 2026). 0:43 - The social justice approach for those over 55. 1:25 - Text Analysis: Does it affect the finances of the IMSS (Mexican Social Security Institute) or the State? 2:10 - Articles to be modified: Article 218 of the Social Security Law and the SAR (Retirement Savings System) Law. 3:53 - Transfer of funds from the individual account to the IMSS. 5:22 - What does "Full or Partial" payment mean? (Retroactive payments). 6:15 - Case study: The risk of investing without calculating weeks of contributions. 8:45 - The problem of excessive fees charged by external financial institutions. 9:51 - Meet PROYECSAR: 20 years of experience in pensions. 10:24 - Location and contact information for personalized consultations (In-person and video call). Need a pension projection? 📍 Visit us at Av. Coyoacán #1622, Mexico City. 📞 WhatsApp: +52 55 3642 7551 / +52 56 3128 2601 🌐 Follow us on social media @Proyecsar #Modalidad40 #IMSSPension #AFORE #DignifiedRetirement #IMSS #PersonalFinance #PROYECSAR #Law73 #waldofernandez