👉 La doctora Melania Vedovatti, discute sobre las preocupaciones de la jubilación para aquellos en sus 50 años. Se abordan temas como el monto mínimo de jubilación, los bonos adicionales y cómo se calculan los aportes. También se menciona la importancia de planificar con anticipación y entender cómo funcionan las leyes previsionales.
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👉Seguí en #TodoEnUno
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00:00I'm going to talk to Melania to figure out the path of retirement.
00:04We, people in their 50s, 48s, 51s, 52s,
00:08already have to be thinking about how they're going to retire.
00:11There's a path that, the closer you get to that age,
00:15the faster you go, right?
00:17The faster you go.
00:18But I want to ask you first,
00:20if the retirees now are charging what they should be charging,
00:25how much is the minimum, and if they're well paid or paid.
00:29Well, they're paid.
00:31They're paid.
00:32But, well, let's see the positive.
00:34Yes.
00:35Retirees, today, the minimum is 252,000 pesos.
00:39Yes.
00:40We add the bonus to that.
00:41Yes.
00:42Okay.
00:43In the month of December, it will be 259,000 and we add the bonus.
00:47That's the minimum.
00:49Okay, the bonus is 70,000 pesos.
00:5170,000 pesos, yes.
00:52Yes.
00:53In December, we don't know if they're going to be paid.
00:55We estimate that they will, so, well, if they're paid...
00:57It's added to the bonus.
00:58To the bonus.
00:59No, no, it's the retirement, the bonus, and the bonus.
01:04Okay.
01:05Okay?
01:06Okay.
01:07Those are the three things in December.
01:08How much does that give me, more or less, in December?
01:09Look, I have it.
01:10Because that's to inject money into the market.
01:12Look, 259.
01:13And today, almost, depending on how the dollar is,
01:15we can say that you're charging in dollars.
01:19It's a month's retirement in dollars, right?
01:22Of course.
01:23Then we talk about the prices and everything else,
01:25because if you charge it in dollars in the United States,
01:28it's one thing, if you charge it in dollars here, it's another,
01:30because the prices are much more expensive.
01:31Of course.
01:32Look, the minimum retirement in December will be 259,624 pesos.
01:37Aguinaldo is 129,812 pesos, and the bonus is paid, 70,000 pesos.
01:44Okay.
01:45That's for December.
01:46That's just for December.
01:47Just for December.
01:48Just for December, always talking about the minimum, okay?
01:50And is that well liquidated, Ancés?
01:53Does the formula indicate that this is the final number or not?
01:57Look, the formula that Ancés uses to practice retirements and pensions is defective.
02:04So, any retirement that is calculated with that formula will be wrong.
02:09But why is that formula used, then?
02:11When the law of retirements and pensions is created, a formula is created.
02:15And that formula, with the coming of the years, gets worse.
02:19So, what the retiree has to do, in reality, is to legally claim the modification of the formula.
02:27This is where the lawyer asks, in court, for it to be recalculated,
02:32and the modification in the existence is great.
02:36Is it a conscious trap, or...?
02:41Absolutely conscious.
02:43Look at how it will be when the trials begin.
02:47The modifications in the law go from 45% to 300%.
02:52It's a lot.
02:53Ah, it's a lot.
02:54It's a lot.
02:55But here you are telling me, listen to me, if I add 10 plus 10, it gives me 12.
03:01Of course.
03:02And the difference?
03:03Ancés keeps it.
03:05It stays in the system.
03:06Uh-huh.
03:07Now, this government has just started.
03:09I mean, this formula came...
03:11No, but this is from a long time ago, since it started.
03:13Exactly.
03:14I mean, this government, let's say, has nothing to do with it, because clearly...
03:18No, it has nothing to do with a government issue.
03:21Of course, it's not that.
03:22It has to do with...
03:23Now, is there any hope that this formula will change through this government?
03:27Well, notice that all governments always make announcements in relation to mobility.
03:32This formula has to do with mobility, how mobility is calculated.
03:36I mean, what we are looking for is to change the basis.
03:40When Ancés liquidates you, he establishes a base salary.
03:44And from there, mobility is applied to him every month.
03:48This is not a question of modifying the law.
03:51This is a question of applying a formula well, or that that formula is...
03:55Modify the formula by law.
03:57Of course.
03:58It would be the right thing.
03:59I mean, but I can't modify that formula or apply another formula if it is not modified by law.
04:05Of course.
04:06Is the formula defective?
04:08In itself.
04:09You see...
04:10Give me an example.
04:11Wait.
04:12Put me there in the graph.
04:13Yes.
04:14If you are retired, you can charge more.
04:15Yes.
04:16That would be the title.
04:17Everyone can charge more.
04:18If today you are charging 259 thousand pesos, you can charge 320.
04:23Yes.
04:24You can charge 500.
04:25It depends on how the formula has been applied.
04:28No, depending on what you contributed.
04:30Okay.
04:31Okay?
04:32There is something.
04:33The formula is defective for everyone.
04:34Everyone is going to retire badly.
04:36Okay?
04:37What you are saying is tremendous.
04:38Yes, it is real.
04:39It is real.
04:40It is like that.
04:41And who are not going to charge?
04:42Because, be careful, there are people who do not charge.
04:45So, if the formula is defective for everyone, because some charge and others do not.
04:50How are there people who do not charge?
04:52Housewives, for example, whose contributions are not real.
04:55Yes.
04:56I mean, they can't claim a real one.
04:57Are they going to take out the retirement of Macasa?
04:59No, no, no.
05:00It is not planned for now.
05:01The rights acquired...
05:02No, no, no.
05:03For now, no.
05:04Or at least, I don't want to say anything about that.
05:07You have no information.
05:08No.
05:09But, I mean, all those who have made real contributions, yes?
05:13And have good quality contributions.
05:15For example, someone who made contributions as an autonomous person, in a very low category,
05:20maybe it will not make a difference.
05:22Okay?
05:23Someone who has made contributions as an autonomous person, in a high category,
05:26it will make a difference.
05:27Someone who has worked in a dependency relationship or...
05:30You can mix things up, right?
05:32Absolutely.
05:33How to mix them up?
05:34I mean, if one worked...
05:35I, for example, worked in private companies, then I was an autonomous person,
05:39then again in private companies, I have my own company,
05:42I mean, all that can be mixed up.
05:44All that can be mixed up.
05:45Yes, yes.
05:46I advance from here to 10 years, 15.
05:49Yes.
05:50Maybe it's 10, right?
05:51You never know.
05:52It advances.
05:53I don't think so.
05:54What do I have to be seeing?
05:56Because, from what you tell me, I'm going to retire badly if I don't do something.
06:00Yes.
06:01Or those who are going to retire next year or in two years,
06:04should they start acting now or not?
06:06Look, the important thing here is...
06:09Because everything sounds very terrible.
06:11Yes.
06:12And in reality, the key is to plan.
06:14Okay?
06:15Retirement is something you never think about.
06:18Because when you're working, you don't think.
06:20No, you don't want to think.
06:21Okay?
06:22It comes to you suddenly.
06:23So, what do you have to do?
06:25Today, the moratorium exists and allows you to complete years,
06:28because to retire, you have to have 30 years of contributions.
06:31So, if you don't have those 30 years,
06:34and you already foresee that when you reach the age, you won't have them.
06:37Yes.
06:38But you have 50 women and 55 men,
06:42that is, you are 10 years earlier.
06:44Yes.
06:45You sit down with your accountant and tell him,
06:46well, let's see, what contributions do I have?
06:48How many do I lack?
06:50How many do you calculate that,
06:54between those that I am going to contribute from here to 10 years,
06:57and those that I am missing, I will be needing?
06:59You make a computer,
07:01and those years that you are missing,
07:02you can buy them today through the moratorium.
07:05That is, you are going to reach the retirement age with all your years.
07:09It's great.
07:10That's great.
07:11It's like the savings plan.
07:12Of course.
07:13Of a zero-kilometer car.
07:14You contribute, and when you reach the end,
07:16you meet the bill, they give you the car.
07:18In this case, they give you the retirement.
07:19Well, the housewives did something similar.
07:21Of course.
07:22They bought contributions.
07:23They bought contributions,
07:24but most of them didn't have them.
07:26Most of them didn't have them.
07:28Yes.
07:29So, what you can do now...
07:30But some of them bought them.
07:31Of course.
07:32Yes, yes, yes, yes.
07:33What you can do now is regularize your contributions from here
07:37to the retirement age.
07:39That first.
07:40Then, I already know that the ANS is liquidating badly,
07:42so what do I have to do?
07:44Check with my lawyer that all my contributions are done.
07:48That's not with the accountant, it's with the lawyer.
07:50That's with the lawyer.
07:51Okay, I call you and I say, listen to me.
07:54I'm suspecting, because a lawyer told me on a TV show,
07:58that the formula wouldn't be working well,
08:00that I wouldn't be retiring correctly.
08:03And you there, what do you do?
08:04And I'm going to tell you, you're not going to retire well,
08:07because the ANS computer scientist is going to take all the documentation I give him.
08:10He's fucking, see?
08:11He's the computer scientist.
08:12No, no, poor guy.
08:13He's the interlocutor.
08:14He's going to take all the documentation I give him,
08:17he's going to load it into the system,
08:19he's going to press enter, and it's going to be calculated with that formula.
08:22Okay?
08:23So I, the lawyer, what do I do?
08:25I check that you have done all the contributions that you think you have.
08:30So that the ANS has really received them.
08:33I make a computer and I tell you,
08:35you should retire with a retirement of so much.
08:38So when you retire, we present the papers and everything,
08:41when you retire, that retirement is going to be less.
08:44Ah, here we have a gap.
08:46Okay.
08:47Of so much.
08:48And the next day, you start a retirement trial.
08:51And how long does that retirement trial take?
08:53Between 3 and 5.
08:54Dad, I retire at 65, and I'm 84, and I'm still in the retirement trial.
08:58No, it took 12 years.
08:59It has passed, it has passed.
09:00A lot.
09:01There are people who have died and ...
09:03The children charge it.
09:04And the children charge it.
09:05Yes.
09:06It took about 12 years.
09:07Now they are taking between 3 and 5 years,
09:09after the digitization.
09:11Okay.
09:12The question, doctor, I say,
09:15what we are seeing, I already tell you,
09:18this has been going on for many years,
09:20since now, I want it to be clear,
09:22for no one in particular,
09:24but from 252,000 pesos,
09:27they have to live.
09:29How do I pay a lawyer,
09:32for example, like you, who are eximia in the matter and others,
09:37how do I pay a lawyer and live?
09:43Because the retirees do not have everything.
09:46But this is paid later, when I charge, right?
09:48No, no.
09:49Or do I have to pay now?
09:50No, most of the lawyers we do pre-trial,
09:53we charge at the end of the trial,
09:55and maybe they will pay a lower expense.
09:57It's great to know.
09:58But the lawyers we charge at the end of the trial.
10:01It's great to know, and it's great that the retirees,
10:05because the retiree says,
10:06I don't have a peso to go to a lawyer,
10:08then he won't go, you understand?
10:09I mean, what you are telling is very good.
10:11And one more fact that I give you,
10:13it is important that before starting the trial,
10:16the lawyer can see the background,
10:19do the calculation,
10:20and determine this that I was telling you,
10:22if the client is going to charge or not.
10:24I mean, you already know.
10:26Unlike a civil trial,
10:27in a civil trial a lawyer can't tell you,
10:29stay calm, we're going to win.
10:31No, it's so subjective,
10:33you could have crossed well, bad, we don't know.
10:36This is actually like a process.
10:38They are accounts.
10:39Of course.
10:40You do the calculation.
10:41It's an account, it's a calculation,
10:43that with the corresponding judicial presentation,
10:46made in time and shape,
10:48with everything as indicated by the law,
10:51there can't be an appeal,
10:54let's say, so that the other side can understand.
10:57Ancés is going to appeal.
10:58Beyond him doing it, right?
10:59Ancés is going to appeal.
11:00We are going to have a first instance sentence in favor.
11:02Ancés appeals.
11:03We go to the camera.
11:04We have a second instance sentence.
11:06And then we move on to the execution stage.
11:09Ancés always appeals, but he always loses.
11:12A process, let's say.
11:13Yes, yes, yes.
11:14He always loses.
11:15It's like mandatory.
11:16Of course, just like that.
11:18And the question is,
11:19in how much, more or less, average,
11:21is a retirement improved?
11:23And from 3 to 5 years.
11:25Yes, the rule.
11:26How much?
11:273 to 5 years.
11:283 to 5 years.
11:29Yes, which is what the trial takes.
11:32Only then will there be the modification in the having
11:35and the retroactive,
11:37because they pay him a retroactive from the moment...
11:39And the percentages of increase of that retirement,
11:43more or less, average, a minimum retirement?
11:46It depends on the type of contribution he has made.
11:49Yes, you said it, but more or less.
11:51And a minimum, put it with a low contribution and a 100%.
11:57What?
11:58Absolutely.
11:59And it's little.
12:00I mean, stop, stop.
12:02A retirement today, put it on the graph,
12:04a retirement today could be charging almost 600 lucas?
12:10Yes, absolutely.
12:12Almost 600,000 pesos?
12:14It's incredible.
12:15Ah, it's a lot.
12:16And I'm not talking about a person who made important contributions,
12:21I'm talking about average contributions.
12:23Yes.
12:24Yes, it makes a lot of difference, a lot.
12:27I mean, if there is someone listening on the other side
12:30who is about to retire,
12:32obviously the trial cannot start before.
12:34No, no, no.
12:35Do we agree?
12:36But yes, it can start immediately, having done...
12:40Of course.
12:41That is, you hire a lawyer,
12:42a lawyer having done all the studies,
12:44all the calculations as it corresponds,
12:46they liquidate 259,000 pesos, 252, 260,
12:52then it increases due to inflation, etc., etc.
12:55But you automatically start the trial
12:59and maybe in 3, 4, 5 years you are charging double.
13:02Of course.
13:03I mean, maybe, right?
13:04Yes, yes, yes.
13:05No, I mean, let's see, let's always remember the steps,
13:09it does not apply to everyone,
13:10that is, first check that the contributions are real,
13:14once you retire, practice the computer
13:17and there the lawyer tells you if it can be done or not,
13:20or it doesn't make sense.
13:21Do you have experience in this? Has it happened?
13:23Do you have clients who have charged
13:25and have reached the double of retirement?
13:28I've been doing this for 25 years and yes, all of them.
13:32That is, you are not telling us that maybe, maybe it can happen.
13:35Here is a living experience,
13:39in the good sense of the word, right?
13:42That indicates that your clients have reached
13:45to charge double the retirement
13:47and that today the trial takes,
13:49not 12 years as it took before,
13:51but 4 or 5 years.
13:53As it is.
13:54Can it take less in some questions or not?
13:58No.
13:59No.
14:00The first 5, from 5 up.
14:01Yes, from 3 to 5.
14:03And this is very new, actually,
14:05because from digitization,
14:07that is, post-pandemic, everything began to accelerate.
14:10So, that's why I say this is very new,
14:13that it takes a short time.
14:15Never retire, Doc, please.
14:17No, no, no.
14:18No, please.
14:19I have more or less in ...
14:23Let's see, I have 50 more or less in ...
14:26And in 10 you have to start.
14:28In 10 minutes I call you.
14:30In 10 minutes, when the program ends, I call you.
14:33Thank you very much.
14:34Perfect.
14:35No, thank you.