During the course of life must spend much time doing certain activities on labour issues, which at the time meant a means of financial support that the needs of the journal will be handled live; but with the arrival of a certain age already it will be difficult to continue to endure a heavy work load, by which labor system emerge retirement, which holds that people who worked all their lives, already with certain age can devote himself to enjoy life as they have an accumulated capital for all the time you were workingso can cater to different financial obligations without the need to be working because with money provided by reason of retirement. So when a person reaches retirement, will periodically receive a pension, which can occur from the public pension system, which by various conditions has become little sustainable, diverse conditions of the labour market as the increasing ageing of the population is added to what and the various conditions of difficulty presented to young people when it comes to joining the labor activity, which means that retirement and pensions system by public pension may be little right, generating great uncertainty about the economic future that can be generated from this, which makes thinking about searching other media tools that allow having a good economic livelihood when it comes to retirement. Attending to the above a good option that has to respond to the shortcomings that represents the public pension system, is to opt for a pension plan, which will be a forecast model complementary to offered by the public pension system, which is presented as a financial product. The pension plan is a product that will leave room for those who have this service in favour, the possibility of making a very comfortable savings with some adjustable periodic installments to the conditions of each person, so can be assessed monthly, quarterly, semi-annual, annual; in order not to everyone’s taste. A. This is added that they can reduce, increase and to suspend contributions.
With pension plans can be a considerable capital or a certain income when it comes to retirement, which will mean better when it comes to reach this moment and not having the same sources of revenue. Not only pension plan will be delivered at the time of retirement, but that may also be given in the event of total or partial disability and death will be delivered capital present in pension plans to the person who has been determined as a beneficiary, usually the children and spouse. These conditions present in the pension plan, is added that currently, this financial product offers the convenience of obtaining the maximum tax savings in the income statement.