{"id":13419,"date":"2023-12-01T13:17:16","date_gmt":"2023-12-01T19:17:16","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=13419"},"modified":"2023-12-01T13:17:20","modified_gmt":"2023-12-01T19:17:20","slug":"subcuenta-de-vivienda-infonavit-protege-el-ahorro-contra-la-inflacion","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/subcuenta-de-vivienda-infonavit-protege-el-ahorro-contra-la-inflacion\/","title":{"rendered":"Subcuenta de Vivienda: Infonavit protege el ahorro contra la inflaci\u00f3n"},"content":{"rendered":"\n

Por: Rebeca Romero <\/p>\n\n\n\n

Por Ley, el Infonavit debe dar un rendimiento a la Subcuenta de Vivienda igual o mayor a la inflaci\u00f3n<\/em><\/p>\n\n\n\n

Desde que las personas inician en un empleo formal, comienzan a acumular un ahorro<\/strong> en el Fondo Nacional de la Vivienda para los Trabajadores (Infonavit<\/a>), dicho ahorro es la Subcuenta de Vivienda, <\/strong>el cual tiene el objetivo de ser un fondo para el retiro<\/strong>, sin embargo, puede tener otros usos.<\/p>\n\n\n\n

Cada bimestre, los empleadores formales est\u00e1n obligados a aportar el 5% del salario diario integrado<\/strong> de todos los trabajadores a la Subcuenta de Vivienda, la cual es manejada por el Infonavit<\/strong>. De acuerdo con la Ley del Instituto, el manejo de este dinero debe generar ganancias, as\u00ed los empleados conseguir\u00e1n un mayor ahorro para el final de su vida laboral<\/strong>.<\/p>\n\n\n\n

En ese sentido, por Ley, el Infonavit debe dar un rendimiento a la Subcuenta de Vivienda igual o mayor a la inflaci\u00f3n<\/strong>, as\u00ed, el dinero acumulado no perder\u00e1 su valor. Por ejemplo, en los \u00faltimos cinco a\u00f1os, al cierre de septiembre de 2023, el Instituto pag\u00f3 un rendimiento promedio de 6.75% a las Subcuentas protegiendo los montos acumulados contra una inflaci\u00f3n anual promedio de 5.22 por ciento.<\/p>\n\n\n\n

\u00bfC\u00f3mo protege Infonavit la Subcuenta de Vivienda?<\/h2>\n\n\n\n

Para lograr la protecci\u00f3n de la Subcuenta de Vivienda, el Infonavit<\/a> realiza el cobro oportuno de los cr\u00e9ditos activos, realiza inversiones a trav\u00e9s del Fondo de Apoyo a las Necesidades de Vivienda de los Trabajadores; adem\u00e1s invierte mediante un fideicomiso, que constituye la plataforma del Infonavit \u00abpara invertir en el desarrollo de actividades productivas y rentables del pa\u00eds\u00bb.<\/p>\n\n\n\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Por: Rebeca Romero Por Ley, el Infonavit debe dar un rendimiento a la Subcuenta de Vivienda igual o mayor a la inflaci\u00f3n Desde que las personas inician en un empleo formal, comienzan a acumular un ahorro en el Fondo Nacional de la Vivienda para los Trabajadores (Infonavit), dicho ahorro es la Subcuenta de Vivienda, el cual tiene el objetivo […]<\/p>\n","protected":false},"author":1,"featured_media":13420,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[5799,5797,5335,102,541],"class_list":["post-13419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-acumular-ahorro","tag-apoyo-a-las-necesidades-de-los-trabajadores","tag-fondo-para-el-retiro","tag-infonavit","tag-subcuenta-de-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/13419","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/comments?post=13419"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/13419\/revisions"}],"predecessor-version":[{"id":13421,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/13419\/revisions\/13421"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/13420"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=13419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=13419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=13419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}