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During the course of life must spend much time doing certain activities related to employment, which in turn had meant a means of economic support which will serve the needs of daily living, but with the arrival of a certain age and it will be difficult further supporting a strong workload, so the labor system arising retirement, which accommodates people who worked all his life, and can engage with a certain age to enjoy life as they have an accumulated capital across the time they were laboring, so they can meet different financial obligations without the need to be working as they have money that is provided by reason of retirement.

So when a person reaches retirement, will receive regular pension, which can be from the public pension system, which for various conditions has become unsustainable, to which is added various labor market conditions as the growing aging population and various conditions that are difficult for young people in entering the work activity, which means that retirement and pensions by public pension system may be unsuitable, creating uncertainty about the economic future can be generated from this, suggesting to seek other means to enable useful to have a good financial support at the time of retirement. With this in mind a good choice you have to address the shortcomings that represents the public pension system, is to opt for a pension plan, which forecast model will be a complementary to that offered by the public pension system, the which is presented as a financial product. The pension plan is a product that will accommodate those who have this service for, the possibility of making a comfortable save, by having regular shares adjusted to the conditions of each one, so you can give monthly, quarterly, semiannual, annual, in order to taste of each.

A It goes that you can reduce, increase or even suspend contributions. With pension plans can have a considerable capital or some income at the time of retirement, which will better position when reaching this point and not have the same sources of income. The pension scheme will not only be given at the time of retirement, but can also be given in case of total or partial disability of the deceased will be given on this capital in the pension plans the person has been determined as a beneficiary, usually the children and spouse. These conditions in the pension plan, he adds that at present, this financial product offers the convenience of getting the maximum tax savings in the income statement.

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