Fynsa

What is APV?

Voluntary pension savings is an additional and complementary mechanism to your mandatory contribution to the afp, which is intended to allow you to increase the amount of the pension to be received, to anticipate the date of retirement or to compensate for periods not contributed.

It can be hired by dependent and self-employed workers who meet the requirements.

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Why do APV at Fynsa?

Investment alternatives that suit you.

We offer you the most complete range of products through Portfolio Management with Voluntary Pension Savings.

We offer two investment models:

  • Discretionary APV, where the client entrusts us with the investment decisions.
  • Non-Discretionary APV, the client can choose in which portfolios to invest according to the investment policy set by the action framework.
  • Foreign investment: Access to international platforms with VCT or agreed deposits.
  • Support throughout the savings and investment cycle.

Request the product, an executive will contact you and according to your needs we will advise you to hire the best alternative that suits you tax-wise, and you can also choose to be the protagonist and trace your own investment path.

Why save in APV?

Learn about the benefits of investing in APV

Access to Tax Benefits

The State helps you to increase your savings: you can receive an annual bonus of 15% of what you save in a year.

Increase the amount of your pension or bring forward your retirement age

Your money will be invested in instruments tailored to your needs, allowing you to improve your pension or even opt to retire earlier.
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Types of APV

Regime A

  • Benefit:
    • Tax bonus equivalent to 15% of the amount saved, after taxes.
  • Limits:
    • With a total cap of 6 UTM in each year.
  • Mechanism:
    • Direct annual bonus from the Treasury in the APV account.

Regime B

  • Benefit:
    • To reduce salary or income savings by decreasing taxable income, before taxes.
  • Limits:
    • - Dependents: 50 UF Monthly.
    • - Self-employed: 600 UF per year.
    • - Partners or businessmen: 97.92 UF per year.
  • Mechanism:
    • Payroll deduction or direct contribution to Fynsa.

Agreed Deposit

  • Benefit:
    • Voluntary contributions that do not constitute income for the employee and the employer may deduct them as an expense, provided that it is in an employment contract and it is universal for employees of the company.
  • Limits:
    • The amounts can be a fixed amount or monthly percentage of remuneration and can also be a fixed amount paid in a single opportunity (bonus). With an annual tax-free cap of 900 UF per employee.
  • Mechanism:
    • Voluntary contributions made through the employer, prior agreement with the worker. The employer retains the amount and delivers it to Fynsa.

Frequently Asked Questions

A: Dependent and self-employed workers who contribute to any AFP and who wish to increase their pension or bring forward their retirement date.

A: It depends on the regimen you have

  • Regime A: Yes, you can withdraw from your savings, but you lose the tax credit.
  • Regime B: Yes, you can withdraw from your savings, but there will be a 15% withholding for the payment of the global complementary tax surtax.
  • Agreed deposit: Cannot be withdrawn until retirement.

A: The sooner the better. That way, you'll have more time to save. The ideal is to start with your first salary to increase and make your funds more profitable.

A: APV can be offered by AFPs and Authorized Institutions, i.e., Insurance Companies, General Fund Administrators, Stock Brokers, Securities Brokers and Banks.

The AFPs and banks are supervised by the Superintendency of Pensions and the Financial Market Commission (CMF), respectively.