{"id":19517,"date":"2025-10-03T11:52:09","date_gmt":"2025-10-03T14:52:09","guid":{"rendered":"https:\/\/europortage.clientes.dbai.com.br\/?p=19517"},"modified":"2026-04-07T16:52:05","modified_gmt":"2026-04-07T19:52:05","slug":"mexicos-savings-fund-fondo-de-ahorro","status":"publish","type":"post","link":"https:\/\/europortage.clientes.dbai.com.br\/fr\/mexicos-savings-fund-fondo-de-ahorro\/","title":{"rendered":"Mexico\u2019s Savings Fund (Fondo de Ahorro)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"19517\" class=\"elementor elementor-19517\" data-elementor-post-type=\"post\">\n\t\t\t\t<section class=\"elementor-element elementor-element-227a451 e-con-full e-flex e-con e-parent\" data-id=\"227a451\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2e62f5a e-con-full e-flex e-con e-child\" data-id=\"2e62f5a\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:100,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b085bf7 elementor-widget-mobile__width-inherit scrollcon elementor-widget elementor-widget-table-of-contents\" data-id=\"b085bf7\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h6 class=\"elementor-toc__header-title\">\n\t\t\t\tMexico\u2019s Savings Fund (Fondo de Ahorro)\t\t\t<\/h6>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__b085bf7\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fe3400 e-con-full e-flex e-con e-child\" data-id=\"9fe3400\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8dbcf74 elementor-widget elementor-widget-text-editor\" data-id=\"8dbcf74\" data-element_type=\"widget\" top=\"\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"1198\" data-end=\"1571\">In today\u2019s Mexican workplace, discussing employees\u2019 financial well-being is no longer a luxury or mere courtesy. It is a core pillar of any serious organizational strategy. It\u2019s not just about \u201ctaking care of the team\u201d for its own sake, but about offering concrete solutions that help people keep their finances under control and respond calmly when the unexpected happens.<\/p><p data-start=\"1573\" data-end=\"2099\">Among those solutions, one tool has gained ground for a very simple reason: it works. The <strong data-start=\"1663\" data-end=\"1679\">savings fund<\/strong> not only promotes the habit of setting aside a portion of income each month. It also delivers something less tangible yet just as powerful: <strong data-start=\"1820\" data-end=\"1837\">peace of mind<\/strong>. Knowing a financial buffer is available in an emergency changes how a person approaches money. Below, we cover what you need to know about this scheme\u2014from how it operates and the benefits it provides, to the legal and tax limits you should keep on your radar.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-758ec03 elementor-widget elementor-widget-heading\" data-id=\"758ec03\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the savings fund (fondo de ahorro) in Mexico?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bdb68e elementor-widget elementor-widget-text-editor\" data-id=\"8bdb68e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"2103\" data-end=\"2410\">The <strong data-start=\"2107\" data-end=\"2126\">Fondo de Ahorro<\/strong> is an optional benefit. Companies offer it as part of compensation. It uses <strong data-start=\"2203\" data-end=\"2229\">matching contributions<\/strong>. The employee contributes a portion of salary. The company contributes an equal amount, or more if agreed. A financial institution holds and invests the money for a defined period.<\/p><p data-start=\"2412\" data-end=\"2620\">The goal is clear. It encourages consistent saving. It also creates a financial buffer. Employees can handle emergencies, qualify for credit, or invest. As a result, they feel more secure and future-oriented.<\/p><p data-start=\"2622\" data-end=\"2883\">There is a tax angle. Properly structured funds qualify as <strong data-start=\"2681\" data-end=\"2718\">social welfare (previsi\u00f3n social)<\/strong>. Consequently, companies can deduct <strong data-start=\"2755\" data-end=\"2768\">up to 53%<\/strong> under specific conditions. So, the benefit helps people and supports sound economics. Let\u2019s move to the mechanics.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26b7254 elementor-widget elementor-widget-heading\" data-id=\"26b7254\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does the savings fund work?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9622e1a elementor-widget elementor-widget-text-editor\" data-id=\"9622e1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"3328\" data-end=\"3415\">The logic is quite simple\u2014hence its wide adoption. It typically follows four key steps:<\/p><ol data-start=\"3417\" data-end=\"4276\"><li data-start=\"3417\" data-end=\"3645\"><p data-start=\"3420\" data-end=\"3645\"><strong data-start=\"3420\" data-end=\"3451\">Collective labor agreement: <\/strong>Everything starts with a formal agreement that stipulates how much each party will contribute\u2014that is, what percentage of salary the employee contributes and how much the company will add.<\/p><\/li><li data-start=\"3647\" data-end=\"3826\"><p data-start=\"3650\" data-end=\"3826\"><strong data-start=\"3650\" data-end=\"3676\">Employee contribution: <\/strong>Most commonly, the employee authorizes an automatic payroll deduction <strong data-start=\"3752\" data-end=\"3765\">up to 13%<\/strong> of salary. The percentage is deducted directly from payroll.<\/p><\/li><li data-start=\"3828\" data-end=\"3955\"><p data-start=\"3831\" data-end=\"3955\"><strong data-start=\"3831\" data-end=\"3857\">Employer contribution: <\/strong>The company deposits a matching amount\u2014although it may be higher\u2014according to the agreement.<\/p><\/li><li data-start=\"3957\" data-end=\"4276\"><p data-start=\"3960\" data-end=\"4276\"><strong data-start=\"3960\" data-end=\"3991\">Administration and returns: <\/strong>The money is channeled into a specific account or fund managed by a financial institution. These resources are invested (e.g., bonds, equities, or similar instruments) to generate returns. At year-end\u2014or upon termination of employment\u2014the employee receives the accumulated total.<\/p><\/li><\/ol><p data-start=\"4278\" data-end=\"4558\">Implementing a savings fund is more than offering a one-off benefit. Organizationally, it can be a <strong data-start=\"4377\" data-end=\"4400\">lever for retention<\/strong>, strengthen internal climate perceptions, and\u2014when managed correctly\u2014take advantage of <strong data-start=\"4488\" data-end=\"4506\">tax incentives<\/strong> that can directly impact the company\u2019s bottom line.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c46473 elementor-widget elementor-widget-heading\" data-id=\"7c46473\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the difference between a caja de ahorro (savings box) and a fondo de ahorro (savings fund)?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa989d6 elementor-widget elementor-widget-text-editor\" data-id=\"fa989d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"4676\" data-end=\"4820\">This question often comes up. At first glance they look similar: both help people save in an orderly way. In practice, they are quite different:<\/p><ul data-start=\"4822\" data-end=\"5461\"><li data-start=\"4822\" data-end=\"5114\"><p data-start=\"4824\" data-end=\"5114\"><strong data-start=\"4824\" data-end=\"4859\">Savings fund (fondo de ahorro):<\/strong> A <strong data-start=\"4862\" data-end=\"4884\">collective benefit<\/strong> formally established in the collective bargaining agreement. It is offered to all personnel without distinction, and the rules\u2014company contribution percentages, employee contributions, and how returns are managed\u2014are set jointly.<\/p><\/li><li data-start=\"5116\" data-end=\"5461\"><p data-start=\"5118\" data-end=\"5461\"><strong data-start=\"5118\" data-end=\"5151\">Savings box (caja de ahorro):<\/strong> More <strong data-start=\"5157\" data-end=\"5183\">flexible and voluntary<\/strong>. Only the employee contributes; the company does <strong data-start=\"5233\" data-end=\"5240\">not<\/strong>. The employee channels part of salary to a common account, which can generate interest and serve as collateral for loans. However, without employer contributions, the accumulated amount is typically lower than in a fund.<\/p><\/li><\/ul><p data-start=\"5463\" data-end=\"5616\">When discussing a savings fund, it\u2019s worth pausing to consider everything it can bring\u2014not only for participants, but for the company that implements it.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02ddb77 elementor-widget elementor-widget-heading\" data-id=\"02ddb77\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages for employees<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06da0e6 elementor-widget elementor-widget-text-editor\" data-id=\"06da0e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"4396\" data-end=\"4512\">This benefit removes friction. The deduction is automatic. The habit forms easily. And the impact grows every month.<\/p><p data-start=\"5932\" data-end=\"5958\">Concrete benefits include:<\/p><ul data-start=\"5959\" data-end=\"6517\"><li data-start=\"5959\" data-end=\"6039\"><p data-start=\"5961\" data-end=\"6039\">Fostering a stronger financial culture and more deliberate expense planning.<\/p><\/li><li data-start=\"6040\" data-end=\"6186\"><p data-start=\"6042\" data-end=\"6186\">Serving as a <strong data-start=\"6055\" data-end=\"6067\">lifeline<\/strong> during unexpected events\u2014medical emergencies, job loss, or unmanageable debt\u2014thus avoiding more expensive solutions.<\/p><\/li><li data-start=\"6187\" data-end=\"6307\"><p data-start=\"6189\" data-end=\"6307\">Helping accumulate funds for major goals, like buying a home, paying for education, or launching a personal project.<\/p><\/li><li data-start=\"6308\" data-end=\"6389\"><p data-start=\"6310\" data-end=\"6389\">Offering potential <strong data-start=\"6329\" data-end=\"6349\">financial growth<\/strong> through long-term investment returns.<\/p><\/li><li data-start=\"6390\" data-end=\"6517\"><p data-start=\"6392\" data-end=\"6517\">Strengthening the bond with the company, building a sense of belonging, and improving the perception of the work environment.<\/p><\/li><\/ul><p data-start=\"6519\" data-end=\"6716\">In short, this benefit supports each person\u2019s financial well-being and also builds something broader: a <strong data-start=\"6623\" data-end=\"6715\">more stable, more committed employment relationship with a stronger emotional foundation<\/strong>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35c8509 e-flex e-con-boxed e-con e-child\" data-id=\"35c8509\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b1ae95 elementor-widget elementor-widget-image\" data-id=\"3b1ae95\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/elementor\/thumbs\/logo-europortage-60px-01-rfobve1jbhj8yvskwq2l3nlbx6mvcfnnlknofyzloo.png\" title=\"logo-europortage-60px-01\" alt=\"logo-europortage-60px-01\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bbd970 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8bbd970\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44f22de elementor-position-right elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"44f22de\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/europortage.clientes.dbai.com.br\/project\/employer-of-record\/\" tabindex=\"-1\"><img fetchpriority=\"high\" decoding=\"async\" width=\"517\" height=\"355\" src=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/10\/Rectangle-96.png\" class=\"attachment-full size-full wp-image-16325\" alt=\"Services - Employer of record\" srcset=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/10\/Rectangle-96.png 517w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/10\/Rectangle-96-300x206.png 300w\" sizes=\"(max-width: 517px) 100vw, 517px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/europortage.clientes.dbai.com.br\/project\/employer-of-record\/\">Streamline Your Expansion with EOR Services in LATAM<\/a><\/h3><p class=\"elementor-image-box-description\">Expand across Latin America effortlessly with our Employer of Record (EOR) services. We handle compliance, payroll, and employee management, ensuring smooth operations while you focus on growing your business.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c9eefa elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1c9eefa\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/europortage.clientes.dbai.com.br\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Discover now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6d4e61 elementor-widget elementor-widget-heading\" data-id=\"b6d4e61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do you calculate the savings fund?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a82ed11 elementor-widget elementor-widget-text-editor\" data-id=\"a82ed11\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"5725\" data-end=\"5819\">Both sides should understand the math. Clear figures build trust. The process has three steps:<\/p><ol data-start=\"5821\" data-end=\"6340\"><li data-start=\"5821\" data-end=\"5927\"><p data-start=\"5824\" data-end=\"5927\"><strong data-start=\"5824\" data-end=\"5847\">Set the percentage: <\/strong>Typically <strong data-start=\"5863\" data-end=\"5873\">5%\u201313%<\/strong> of gross monthly salary. Both parties agree the rate.<\/p><\/li><li data-start=\"5929\" data-end=\"6181\"><p data-start=\"5932\" data-end=\"6181\"><strong data-start=\"5932\" data-end=\"5960\">Compute monthly amounts: <\/strong>Apply the rate to the employee\u2019s gross salary. Payroll deducts that amount. The employer matches it.<br data-start=\"6066\" data-end=\"6069\" \/><em data-start=\"6072\" data-end=\"6082\">Example:<\/em> Salary MXN 20,000; total 10% (split evenly). Employee: MXN 1,000\/month. Employer: MXN 1,000\/month.<\/p><\/li><li data-start=\"6183\" data-end=\"6340\"><p data-start=\"6186\" data-end=\"6340\"><strong data-start=\"6186\" data-end=\"6214\">Estimate annual returns: <\/strong>The institution applies an annual yield, often <strong data-start=\"6267\" data-end=\"6278\">10%\u201313%<\/strong>. It calculates interest on the total accumulated at year-end.<\/p><\/li><\/ol><p data-start=\"6342\" data-end=\"6494\"><em data-start=\"6342\" data-end=\"6357\">Illustration:<\/em> MXN 2,000 per month into the fund \u2192 MXN 24,000 per year. A 10% return adds MXN 2,400. Therefore, the final total reaches <strong data-start=\"6479\" data-end=\"6493\">MXN 26,400<\/strong>.<\/p><p data-start=\"6496\" data-end=\"6585\">Set clear rules. Communicate transparently. Then the model will deliver consistent value.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-175d605 elementor-widget elementor-widget-heading\" data-id=\"175d605\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Contributions Are Treated for Payroll (SBC \u2013 Social Security Base)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c5dc10 elementor-widget elementor-widget-text-editor\" data-id=\"5c5dc10\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"1388\" data-end=\"1490\">The tax and social security treatment of the savings fund depends on how contributions are structured:<\/p><ul data-start=\"1492\" data-end=\"1833\"><li data-section-id=\"10khinw\" data-start=\"1492\" data-end=\"1600\"><strong data-start=\"1494\" data-end=\"1543\">Employer contribution &lt; Employee contribution<\/strong><br data-start=\"1543\" data-end=\"1546\" \/>\u2192 Not included in the Base Contribution Salary (SBC)<\/li><li data-section-id=\"1kegxl\" data-start=\"1602\" data-end=\"1700\"><strong data-start=\"1604\" data-end=\"1653\">Employer contribution &gt; Employee contribution<\/strong><br data-start=\"1653\" data-end=\"1656\" \/>\u2192 The excess amount is included in the SBC<\/li><li data-section-id=\"1e2es3k\" data-start=\"1702\" data-end=\"1833\"><strong data-start=\"1704\" data-end=\"1755\">Equal contributions (same amount or percentage)<\/strong><br data-start=\"1755\" data-end=\"1758\" \/>\u2192 Not included in the SBC (this is the most optimal structure under LISR)<\/li><\/ul><p data-start=\"1835\" data-end=\"1967\">This distinction is critical because inclusion in the SBC increases <strong data-start=\"1903\" data-end=\"1935\">social security costs (IMSS)<\/strong> for both employer and employee.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23e97c2 elementor-widget elementor-widget-heading\" data-id=\"23e97c2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is the savings fund tax-exempt?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddc2e87 elementor-widget elementor-widget-text-editor\" data-id=\"ddc2e87\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Yes, the fondo de ahorro (savings fund) can benefit from favorable tax treatment in Mexico when it is properly structured.<\/p><p>Under the Income Tax Law (LISR), this benefit is considered social welfare (previsi\u00f3n social) and may be treated as tax-exempt income for employees, while remaining partially deductible for employers. However, this treatment is conditional. Companies must comply with strict legal and operational requirements to maintain the exemption.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2cd31d elementor-widget elementor-widget-heading\" data-id=\"e2cd31d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Legal Requirements for Deductibility (Art. 27, Section XI LISR)<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8649089 elementor-widget elementor-widget-text-editor\" data-id=\"8649089\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>To qualify for tax deductibility and exemption, the savings fund must meet the following conditions:<\/p><ul><li>Equal contribution from employer and employee<\/li><li>Contribution must not exceed 13% of the employee\u2019s salary<\/li><li>Total contribution must not exceed the equivalent of 1.3 times the annual UMA<\/li><\/ul><p>These three criteria are cumulative. If one condition is not met, the tax benefits may be partially or fully lost.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ff1dbc elementor-widget elementor-widget-image\" data-id=\"9ff1dbc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-3-oct.-2025_-11_59_51-min-768x512.webp\" class=\"attachment-medium_large size-medium_large wp-image-19532\" alt=\"Savings Funds (Fondo de Ahorro) in Mexico\" srcset=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-3-oct.-2025_-11_59_51-min-768x512.webp 768w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-3-oct.-2025_-11_59_51-min-300x200.webp 300w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-3-oct.-2025_-11_59_51-min-1024x683.webp 1024w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-3-oct.-2025_-11_59_51-min.webp 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a600a3 elementor-widget elementor-widget-heading\" data-id=\"1a600a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is the Cap for Tax-Exempt Savings Funds?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2427231 elementor-widget elementor-widget-text-editor\" data-id=\"2427231\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"8002\" data-end=\"8202\">The law sets a hard limit. Contributions may <strong data-start=\"8047\" data-end=\"8065\">not exceed 13%<\/strong> of salary, or <strong data-start=\"8080\" data-end=\"8103\">1.3\u00d7 the annual UMA<\/strong>, whichever is lower. The cap applies to combined contributions from employee and employer.<\/p><p data-start=\"8204\" data-end=\"8381\"><em data-start=\"8204\" data-end=\"8214\">Example:<\/em> Salary MXN 10,000\/month. The maximum monthly contribution is MXN 1,300. Staying within this cap preserves tax treatment and avoids future issues with the SAT.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2ceda1 elementor-widget elementor-widget-heading\" data-id=\"c2ceda1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When are the funds received?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7df011 elementor-widget elementor-widget-text-editor\" data-id=\"e7df011\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"16468\" data-end=\"16563\">Timing can vary according to each company\u2019s policies and agreements. General practices include:<\/p><ul data-start=\"16564\" data-end=\"16725\"><li data-start=\"16564\" data-end=\"16648\"><p data-start=\"16566\" data-end=\"16648\"><strong data-start=\"16566\" data-end=\"16595\">One disbursement per year<\/strong> (sometimes structured as a loan against the fund).<\/p><\/li><li data-start=\"16649\" data-end=\"16725\"><p data-start=\"16651\" data-end=\"16725\"><strong data-start=\"16651\" data-end=\"16679\">At the end of employment<\/strong> (upon termination of the labor relationship).<\/p><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36a4ab2 elementor-widget elementor-widget-heading\" data-id=\"36a4ab2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: Remote Work Is Maturing<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd1181e elementor-widget elementor-widget-text-editor\" data-id=\"dd1181e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p data-start=\"18135\" data-end=\"18438\">These funds benefit both company and worker. The company can integrate them into its social welfare plan and\u2014when requirements are met\u2014deduct amounts contributed to employees. The worker can use the pooled amount as a loan or pure savings mechanism.<\/p><p data-start=\"18440\" data-end=\"18597\">Including the savings fund as part of employees\u2019 total compensation and reflecting the contributions on each payslip helps secure the related tax deductions.<\/p><p data-start=\"18599\" data-end=\"18688\">For efficient administration, a reliable provider of savings programs is recommended.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3d9549 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b3d9549\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/europortage.clientes.dbai.com.br\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-73a5d65 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"73a5d65\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4f4de2 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b4f4de2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Top\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back to top<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aa16b9 e-transform elementor-widget elementor-widget-progress-tracker\" data-id=\"0aa16b9\" data-element_type=\"widget\" data-settings=\"{&quot;relative_to&quot;:&quot;post_content&quot;,&quot;direction&quot;:&quot;ltr&quot;,&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;type&quot;:&quot;horizontal&quot;,&quot;percentage&quot;:&quot;no&quot;,&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"progress-tracker.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-scrolling-tracker elementor-scrolling-tracker-horizontal elementor-scrolling-tracker-alignment-\">\n\t\t\t\t\t\t<div class=\"current-progress\">\n\t\t\t\t\t<div class=\"current-progress-percentage\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef0b8aa elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"ef0b8aa\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/europortage.clientes.dbai.com.br\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hire and pay your team in Latin America<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The Fondo de Ahorro helps teams build savings and peace of mind. This guide explains how it works, who contributes, legal and tax limits, and how to implement it. Use it to design a compliant, valuable benefit that truly supports your people.<\/p>\n","protected":false},"author":1,"featured_media":19532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[181,161,182],"tags":[],"class_list":["post-19517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mexico-hiring-labour-law-hr-operations","category-mexico","category-mexico-payroll-benefits-employer-costs","category-181","category-161","category-182","description-off"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mexico\u2019s Savings Fund (Fondo de Ahorro) - Europortage<\/title>\n<meta name=\"description\" content=\"Understand the Fondo de Ahorro in Mexico. 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