Mexico | Investment as a mechanism for the financial future

Summary

The press article explains that a large portion of adults lack a solid plan for retirement, which leads them to rely on continued work, family support, or government assistance. Therefore, it highlights the need to plan for retirement income early, diversify income sources, and take advantage of investment instruments.

Key points

• Key points:
• 40.6% of the adult population (18 and older) does not have a retirement income scheme independent of working, government aid, or financial support from relatives.
• The remainder (59.4%) expect to finance their retirement through their own means: 47.4% expect to have income from their pension, retirement fund, Afore (annually funded pension scheme), or private retirement plan; 24.8% from selling or renting assets or properties; and 11.2% from investment income in banks or financial institutions.
• 54.8% of Mexico’s employed population works in the informal sector (National Occupation and Employment Survey, June 2025), which limits their access to Afore accounts and forces them to seek alternative ways to fund retirement.
• In 2024, households made up exclusively of people aged 65 and older reported incomes 30.7% lower than the national average, highlighting an income gap that could lead to a compromised quality of life for this group.
• Retirement is a stage that must be planned, not improvised. The earlier the planning begins, the greater the chances of achieving a dignified, stable, and independent old age.

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