{"id":27903,"date":"2025-12-03T12:19:12","date_gmt":"2025-12-03T17:19:12","guid":{"rendered":"https:\/\/www.certus.edu.pe\/blog\/?p=27903"},"modified":"2025-12-10T11:04:40","modified_gmt":"2025-12-10T16:04:40","slug":"retiro-de-afp-2025-en-peru-guia-actualizada-para-tomar-la-mejor-decision","status":"publish","type":"post","link":"https:\/\/www.certus.edu.pe\/blog\/retiro-de-afp-2025-en-peru-guia-actualizada-para-tomar-la-mejor-decision\/","title":{"rendered":"Retiro de AFP 2025 en Per\u00fa: Gu\u00eda Actualizada para tomar la mejor decisi\u00f3n"},"content":{"rendered":"<style>\n      .cuerpo {<br \/>        background-color: #f4f7fb;<br \/>        padding: 1rem;<br \/>        text-align: center;<br \/>        border: 1px solid #ddd;<br \/>        border-radius: 0.5rem;<br \/>        margin-bottom: 2rem;<br \/>      }<br \/>      a {<br \/>        color: #00205b;<br \/>        text-decoration: underline;<br \/>      }<br \/>      .ez-toc-container{display:none;}<br \/>      .wp-image-1926{display:none;}<br \/><\/style>\n<p><strong><span class=\"TextRun Highlight SCXW229376691 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229376691 BCX0\" data-ccp-charstyle=\"Strong\">Nota del editor:<\/span><\/span><\/strong><span class=\"TextRun Highlight SCXW229376691 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229376691 BCX0\"><strong>\u202f<\/strong>Este art\u00edculo ha sido actualizado en <\/span><span class=\"NormalTextRun SCXW229376691 BCX0\">diciembre<\/span><span class=\"NormalTextRun SCXW229376691 BCX0\"> de 2025<\/span><span class=\"NormalTextRun SCXW229376691 BCX0\"> c<\/span><\/span><span class=\"TextRun SCXW229376691 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229376691 BCX0\">on nueva informaci\u00f3n sobre reformas previsionales y estrategias financieras vigentes.<\/span><\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFEstas-pensando-en-retirar-tus-fondos-de-la-AFP-en-2025-Te-explicamos-todo-lo-que-necesitas-saber-en-el-contexto-actual\"><\/span><strong><span class=\"TextRun SCXW205340170 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW205340170 BCX0\">\u00bfEst\u00e1s pensando en retirar tus fondos de la AFP en 2025? Te explicamos todo lo que necesitas saber en el contexto actual.<\/span><\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span class=\"TextRun SCXW149084794 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW149084794 BCX0\">El sistema de pensiones peruano sigue evolucionando, y 2025 presenta nuevas consideraciones importantes para quienes contemplan un retiro de fondos de su AFP. Esta gu\u00eda actualizada te ayudar\u00e1 a navegar este proceso con informaci\u00f3n relevante para el a\u00f1o en curso.<\/span><\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Panorama-Actual-del-Sistema-Previsional-Peruano-2025\"><\/span><span class=\"TextRun SCXW234131859 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW234131859 BCX0\">Panorama Actual del Sistema Previsional Peruano (2025)<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span class=\"TextRun SCXW189970225 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW189970225 BCX0\">En 2025, el sistema de pensiones peruano presenta caracter\u00edsticas clave:<\/span><\/span><\/p>\n<ul>\n<li><strong>Reformas en discusi\u00f3n: <\/strong>El Congreso eval\u00faa modificaciones al sistema que podr\u00edan afectar futuros retiros y pensiones.<\/li>\n<li><strong>Rentabilidad variable: <\/strong>Los fondos han mostrado comportamiento mixto seg\u00fan el tipo de AFP elegida.<\/li>\n<li><strong>Nuevas opciones de portabilidad: <\/strong>Puedes transferir tus fondos entre AFP con mayor facilidad que antes.<\/li>\n<li><strong>Mayor digitalizaci\u00f3n:<\/strong>Los tr\u00e1mites son ahora 99% digitales, acelerando los procesos.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue-Fondos-Puedes-Retirar-en-2025\"><\/span><span class=\"TextRun SCXW254730945 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW254730945 BCX0\">\u00bfQu\u00e9 Fondos Puedes Retirar en 2025?<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span class=\"TextRun SCXW179761729 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW179761729 BCX0\">Actualmente existen\u202f<\/span><\/span><strong><span class=\"TextRun SCXW179761729 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW179761729 BCX0\">cuatro causales principales<\/span><\/span><\/strong><span class=\"TextRun SCXW179761729 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW179761729 BCX0\">\u202fde retiro:<\/span><\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"none\">Retiro por desempleo:<\/span><\/b><span data-contrast=\"none\">\u202fDisponible despu\u00e9s de 12 meses sin empleo formal (hasta el 100% del fondo).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;469777462&quot;:[284],&quot;469777927&quot;:[0],&quot;469777928&quot;:[1]}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Retiro parcial por compra de primera vivienda:<\/span><\/b><span data-contrast=\"none\">\u202fHasta el 25% del fondo acumulado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;469777462&quot;:[284],&quot;469777927&quot;:[0],&quot;469777928&quot;:[1]}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Retiro por jubilaci\u00f3n:<\/span><\/b><span data-contrast=\"none\">\u202fAcceso al 100% al cumplir la edad legal.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;469777462&quot;:[284],&quot;469777927&quot;:[0],&quot;469777928&quot;:[1]}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Retiro por enfermedad grave:<\/span><\/b><span data-contrast=\"none\">\u202fPara casos calificados con diagn\u00f3stico validado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Paso-a-Paso-para-un-Retiro-en-2025\"><\/span><span class=\"TextRun SCXW227831510 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW227831510 BCX0\">Paso a Paso para un Retiro en 2025<\/span><\/span><span class=\"EOP SCXW227831510 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Paso-1-Verifica-tu-elegibilidad\"><\/span><strong><span class=\"TextRun SCXW227831510 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW227831510 BCX0\">Paso 1: Verifica tu elegibilidad<\/span><\/span><span class=\"EOP SCXW227831510 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li><span data-contrast=\"none\">Ingresa a la web de tu AFP con tu usuario y clave SBS.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Revisa bajo qu\u00e9 causal calificas y los montos disponibles.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Confirma los requisitos espec\u00edficos actualizados para 2025.<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Paso-2-Reune-la-documentacion-digital\"><\/span><span class=\"TextRun SCXW118509987 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW118509987 BCX0\">Paso 2: Re\u00fane la documentaci\u00f3n digital<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li><span data-contrast=\"none\">DNI vigente escaneado.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Formulario de solicitud (descargable desde tu AFP).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Documentos seg\u00fan la causal (certificado de desempleo, diagn\u00f3stico m\u00e9dico, etc.).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Paso-3-Realiza-el-tramite-online\"><\/span><span class=\"TextRun SCXW21453793 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW21453793 BCX0\">Paso 3: Realiza el tr\u00e1mite online<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li><span data-contrast=\"none\">Sube todos los documentos al portal de tu AFP.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"18\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Firma digitalmente la solicitud.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559731&quot;:142,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"18\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Recibe la confirmaci\u00f3n y plazo de dep\u00f3sito (10-15 d\u00edas h\u00e1biles).<\/span><\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Paso-4-Decide-que-hacer-con-los-fondos-recibidos\"><\/span><span class=\"TextRun SCXW34299032 BCX0\" lang=\"ES-PE\" xml:lang=\"ES-PE\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW34299032 BCX0\">Paso 4: Decide qu\u00e9 hacer con los fondos recibidos<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"Estrategias-Inteligentes-para-2025-%C2%BFComo-aprovechar-al-maximo-tu-retiro\"><\/span>Estrategias Inteligentes para 2025: \u00bfC\u00f3mo aprovechar al m\u00e1ximo tu retiro?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-27906\" src=\"https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/2.-Nota-blog-AFP_1000-x-667-300x200.png\" alt=\"Estrategias Inteligentes para AFP 2025: \u00bfC\u00f3mo aprovechar al m\u00e1ximo tu retiro?\" width=\"839\" height=\"559\" srcset=\"https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/2.-Nota-blog-AFP_1000-x-667-300x200.png 300w, https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/2.-Nota-blog-AFP_1000-x-667-768x512.png 768w, https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/2.-Nota-blog-AFP_1000-x-667-600x400.png 600w, https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/2.-Nota-blog-AFP_1000-x-667.png 1000w\" sizes=\"(max-width: 839px) 100vw, 839px\" \/><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"PRIORIDAD-Educacion-que-transforma-tu-futuro\"><\/span><b><span data-contrast=\"none\">PRIORIDAD: Educaci\u00f3n que transforma tu futuro<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">La mejor inversi\u00f3n sigue siendo en ti mismo. En un mercado laboral competitivo:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"none\">Carreras t\u00e9cnicas demandadas:<\/span><\/b><span data-contrast=\"none\">\u202fLas carreras t\u00e9cnicas en \u00e1reas como tecnolog\u00eda y sistemas, an\u00e1lisis de datos, o sostenibilidad empresarial pueden aumentar tu ingreso mensual.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:709,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Certificaciones que potencian tu perfil profesional:<\/span><\/b><span data-contrast=\"none\">\u202fCertificaciones con instituciones internacionales que pueden asegurar una alta inserci\u00f3n laboral lo que significa un retorno r\u00e1pido. Es mucho mejor si estas certificaciones est\u00e1n integradas a la malla curricular de tu carrera t\u00e9cnica.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:709,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Reconversi\u00f3n profesional:<\/span><\/b><span data-contrast=\"none\">\u202fSi el desempleo fue la raz\u00f3n de tu retiro, reinvierte en habilidades con demanda actual.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:709,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"2%E2%80%AFPlanificacion-integral-la-mayoria-pasa-esto-por-alto\"><\/span><b><span data-contrast=\"none\">2.\u202fPlanificaci\u00f3n integral (la mayor\u00eda pasa esto por alto)<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:420}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><b><span data-contrast=\"none\">Calcula el impacto en tu pensi\u00f3n futura:<\/span><\/b><span data-contrast=\"none\">\u202fUsa las simuladoras actualizadas de la SBS.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:426,&quot;335559731&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Considera seguros complementarios:<\/span><\/b><span data-contrast=\"none\">\u202fCon parte del dinero, protege tu salud.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:426,&quot;335559731&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Diversifica:<\/span><\/b><span data-contrast=\"none\">\u202fNunca pongas todos los fondos en un solo lugar.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:426,&quot;335559731&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Advertencias-Clave-para-2025\"><\/span><b><span data-contrast=\"none\">Advertencias Clave para 2025<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:450}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><b><span data-contrast=\"none\">No caigas en estafas:<\/span><\/b><span data-contrast=\"none\">\u202fAparecen nuevas ofertas fraudulentas prometiendo &#8220;duplicar tu AFP&#8221;. Solo conf\u00eda en instituciones reguladas por la SBS.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283,&quot;469777462&quot;:[720,567],&quot;469777927&quot;:[0,0],&quot;469777928&quot;:[0,8]}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Eval\u00faa el costo fiscal:<\/span><\/b><span data-contrast=\"none\">\u202fAlgunos retiros tienen implicancias tributarias. Consulta con un contador.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283,&quot;469777462&quot;:[720,567],&quot;469777927&quot;:[0,0],&quot;469777928&quot;:[0,8]}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">No lo gastes en consumo inmediato:<\/span><\/b><span data-contrast=\"none\">\u202fTu AFP representa a\u00f1os de ahorro previsional.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283,&quot;469777462&quot;:[720,567],&quot;469777927&quot;:[0,0],&quot;469777928&quot;:[0,8]}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Considera alternativas al retiro total:<\/span><\/b><span data-contrast=\"none\">\u202fA veces un retiro parcial resuelve necesidades sin comprometer todo tu futuro.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283,&quot;469777462&quot;:[720,567],&quot;469777927&quot;:[0,0],&quot;469777928&quot;:[0,8]}\">\u00a0<\/span><\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"Preguntas-Frecuentes\"><\/span><b><span data-contrast=\"none\">Preguntas Frecuentes<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:450}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"%C2%BFPuedo-retirar-todo-mi-fondo-de-AFP-si-nunca-me-he-retirado-antes\"><\/span><b><span data-contrast=\"none\">\u00bfPuedo retirar todo mi fondo de AFP si nunca me he retirado antes?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span data-contrast=\"none\">Solo bajo causales espec\u00edficas como desempleo prolongado o jubilaci\u00f3n. No existe el &#8220;retiro libre&#8221; total.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"%C2%BFQue-pasa-con-mi-pension-si-retiro-fondos-ahora\"><\/span><b><span data-contrast=\"none\">\u00bfQu\u00e9 pasa con mi pensi\u00f3n si retiro fondos ahora?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span data-contrast=\"none\">Disminuir\u00e1 proporcionalmente. Cada sol retirado hoy es menos pensi\u00f3n ma\u00f1ana.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"-%C2%BFEs-buen-momento-para-retirar-en-2025\"><\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><b><span data-contrast=\"none\">\u00bfEs buen momento para retirar en 2025?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span data-contrast=\"none\">Depende totalmente de tu situaci\u00f3n personal. Si est\u00e1s desempleado o enfrentas una emergencia m\u00e9dica, puede ser necesario. Si solo buscas &#8220;dinero extra&#8221;, reconsidera las consecuencias a largo plazo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Conclusion-Decisiones-informadas-para-2025\"><\/span><b><span data-contrast=\"none\">Conclusi\u00f3n: Decisiones informadas para 2025<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:450}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">Tu fondo de AFP no es un ahorro cualquiera: es la base de tu tranquilidad en la vejez. Antes de decidir retirar:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:284,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ol>\n<li><b><span data-contrast=\"none\">Analiza si es estrictamente necesario<\/span><\/b><span data-contrast=\"none\">\u202fo si existen alternativas.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Si retiras, invierte primero en tu capital humano<\/span><\/b><span data-contrast=\"none\">\u202fmediante educaci\u00f3n de calidad que te permita generar nuevos ingresos.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Busca asesor\u00eda profesional<\/span><\/b><span data-contrast=\"none\">\u202fgratuita en la SBS antes de decidir.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Considera el largo plazo:<\/span><\/b><span data-contrast=\"none\">\u202fTu yo del futuro te lo agradecer\u00e1.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559685&quot;:567,&quot;335559739&quot;:0,&quot;335559740&quot;:240,&quot;335559991&quot;:283}\">\u00a0<\/span><\/li>\n<\/ol>\n<p style=\"text-align: center;\"><em>\u00bfNecesitas prepararte para mejores oportunidades laborales o financieras? En <a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\">Certus<\/a> tenemos carreras t\u00e9cnicas actualizados para las demandas del mercado laboral, que pueden ayudarte a generar nuevas fuentes de ingreso.\u00a0<\/em><\/p>\n<p><span data-ccp-props=\"{&quot;335559685&quot;:284,&quot;335559739&quot;:0}\">\u00a0<\/span><span data-contrast=\"auto\">Si deseas saber m\u00e1s, d\u00e9janos tus datos y nuestros asesores personalizados se contactar\u00e1n contigo. <\/span><span data-contrast=\"auto\">Conoce m\u00e1s de nuestras carreras de <\/span><a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\"><b><span data-contrast=\"auto\">NEGOCIOS<\/span><\/b><\/a><span data-contrast=\"auto\">, <\/span><b><span data-contrast=\"auto\"><a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\">FINANZAS<\/a>, <a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\">TECNOLOG\u00cdA<\/a> <\/span><\/b><span data-contrast=\"auto\">y<\/span><b><span data-contrast=\"auto\"><a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\"> CREATIVIDAD<\/a> \u2193<\/span><\/b><span data-ccp-props=\"{&quot;335559685&quot;:284,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.certus.edu.pe\/carreras\/?utm_source=otros_medios&amp;utm_medium=non_paid&amp;utm_campaign=certus-pg-consideracion-nacional-abierto-no_aplica-blog_retiro_de_afp-20251204&amp;utm_content=generico-%7Bcreative%7D-%7B%7Bad.id%7D%7D-%7Bkeyword%7D&amp;utm_term=d5f03dcb-e64e-e811-80d8-0e8c3d7b4c01\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-27914 size-full\" src=\"https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/nota-blog_banner.png\" alt=\"En Certus tenemos carreras t\u00e9cnicas actualizados para las demandas del mercado laboral, que pueden ayudarte a generar nuevas fuentes de ingreso.\" width=\"720\" height=\"140\" data-wp-editing=\"1\" srcset=\"https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/nota-blog_banner.png 720w, https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/nota-blog_banner-300x58.png 300w, https:\/\/www.certus.edu.pe\/blog\/wp-content\/uploads\/2025\/12\/nota-blog_banner-600x117.png 600w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nota del editor:\u202fEste art\u00edculo ha sido actualizado en diciembre de 2025 con nueva informaci\u00f3n sobre reformas previsionales y estrategias financieras vigentes. \u00bfEst\u00e1s pensando en retirar tus fondos de la AFP en 2025? Te explicamos todo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":27905,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rank_math_lock_modified_date":false,"footnotes":""},"categories":[155,136],"tags":[],"class_list":["post-27903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-carreras","category-noticertus"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/posts\/27903"}],"collection":[{"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/comments?post=27903"}],"version-history":[{"count":25,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/posts\/27903\/revisions"}],"predecessor-version":[{"id":27946,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/posts\/27903\/revisions\/27946"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/media\/27905"}],"wp:attachment":[{"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/media?parent=27903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/categories?post=27903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.certus.edu.pe\/blog\/wp-json\/wp\/v2\/tags?post=27903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}