What is Account 2?

Account 2 or Voluntary Savings Account is the best way to save and meet your short, medium and long term goals, such as your children's education, vacations, your future home, security for your family, postgraduate studies, or that you want, because you agree to higher returns than those offered by the financial market at a lower cost.

This savings account can be contracted in AFP Habitat voluntarily and allows you to quickly have your savings if you need them.

What is the APV ?

The APV or Voluntary Pension Saving is an extraordinary way to save to improve your pension. You can save what you want on a monthly basis or through direct deposits, but it is important that you do it as soon as possible to help you build the pension you expect. In addition, it has attractive tax benefits from the State.

What is the Agreed Deposit?

The Agreed Deposit is an agreement with your employer that consists of paying, as savings in your AFP, a certain amount that will be added to your mandatory savings in order to improve or anticipate your pension. This type of investment has tax benefits for both parties.

For example, if you are going to receive a bonus, you can agree with your employer to pay it in your AFP as an Agreed Deposit.