00:00Many people come to these funds seeking this tax advantage, and there we all always think about tax planning or
00:09Tax planning and such an instrument are very convenient and very timely.
00:14How does it work? You can regularly send a portion of your salary as savings, and that money you send
00:23As savings, it would not be subject to tax, particularly income tax, and in this case, for salaried workers.
00:31withholding tax.
00:32So the money you send won't be recorded; what you automatically see is a decrease in the
00:38payment of your withholding tax on your salary.
00:40Yes, remember not all salaries are subject to withholding tax, but everyone who files a tax return has
00:45They have to pay the rent exactly, but those who see an advantage here can make monthly contributions to their pension fund.
00:54voluntary.
00:55What you will see is a decrease in your withholding tax payments. This has some
01:01stops.
01:01It's important because when we file our taxes or when our employer calculates our withholding tax, they do it.
01:07through logic, calculations, and established formulas—formulas that people know very well.
01:14who handle this.
01:14But the truth is that perhaps one of the most important benefits, not the only one, and this is important, now
01:21As we mentioned, it's a reduction in the withholding tax on account of the contribution, and I see it in my salary.
01:28There is a second point, Santiago, and that is what happens to the resources invested in voluntary pension funds and
01:36What happens when resources are moved through a voluntary pension fund that is not subject to taxation?
01:42to financial movements.
01:43Four per thousand, another tax advantage, which during the time that the resources are subject to financial returns,
01:50They can be treated as appreciations, not necessarily including them in the income tax return, but only at the appropriate time.
01:57in which they withdraw.
01:58So, all these benefits, which it's worth mentioning, you should discuss with your advisors, you should discuss with the teams
02:06Those on payroll who understand this better should seek advice.
02:09Financial advisors who handle these products can quantify, according to your case, how much that benefit would eventually be.
02:18But anything I'm saving for the future, in a judicious, disciplined way, that helps me to
02:24Lowering my tax burden and improving my retirement conditions is a good incentive to do so.
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