Investment Insurance



Banamex Personal Retirement Plan* offers attractive tax benefits. It is a long term investment product with attractive tax benefits that allows you to maximize your equity for retirement.

  • 10% tax deductibility from your annual income, not to exceed 5 effective general minimum wages (SMGV, Salarios Mínimos Generales Vigentes) a year.
  • Protect your loved ones with a life insurance
  • Investment reserves with attractive returns
  • You will determine your contributions scheme on an annual basis
  • Upon completion of the Plan, and based on the provisions in Section 176, Fraction V of the Income Tax Act (65 years or permanent and total disability), you may withdraw your contributions plus the tax-free generated interest, for up to 9 SMGVs per year.





*General insurance conditions apply
The information contained on this page makes reference to the coverage we offer.
The general terms and conditions of the products prevail over this information.

Tax provisions may be modified by the relevant authorities without notice. Banamex Financial Group, its associates and affiliates, are not responsible for these changes and consequently any information provided is solely for informative purposes. Banamex Financial Group, its associates and affiliates, do not provide tax advice, therefore you should consult the tax treatment of these products with their own advisors.



  • It currently makes Plan contributions deductible in compliance with the provisions of the Income Tax Act (LISR, Ley del Impuesto Sobre la Renta) Section 176, fraction V.
  • Be 65 years old and 5 years of policy validity so the saving is considered a Retirement Plan, compliant with the Income Tax Act.
  • You choose the way in which you will receive your saving when your Plan ends

Investment Alternatives

SB Gub Short term
Gold 1 Medium term
Gold 2 Medium to long term
Gold 3 Long term
SB Term Medium to long term
SB ES Long term
Bolsa Long term


The information contained in this page is a reference to the coverage we offer.
The general terms and conditions of the products prevail over this information.

The investment reserves of this product are part of the technical reserves of Seguros Banamex S.A. de C.V., member of Grupo Financiero Banamex, included in this insurance, and may vary based on market conditions, and the invested capital may even be reduced. Investment in said reserves is not guaranteed by Seguros Banamex S.A. de C.V., or any other government agency.

* Section 109, Fraction XVII of the Income Tax Act.

Tax provisions may be modified by the relevant authorities without notice. Banamex Financial Group, its associates and affiliates, are not responsible for these changes and consequently any information provided is solely for informative purposes. Banamex Financial Group, its associates and affiliates, do not provide tax advice, therefore you should consult the tax treatment of these products with their own advisors.



  • Contracting age 18 to 60 years old.
  • Fixed contributions automatically debited from your account (Banamex Checking or Maestra Account).
  • Individual Plan (Cannot be bought by a third party).
  • Be 65 years old and 5 years of policy validity so the saving is considered a Retirement Plan, compliant with the Income Tax Act.

Contact your equity officer or call us at 1226 8584 in the City of Mexico or at 01800 088 4746 in the rest of the country.



The information contained in this page is a reference to the coverage we offer.
The general terms and conditions of the products prevail over this information.

Tax provisions may be modified by the relevant authorities without notice. Banamex Financial Group, its associates and affiliates, are not responsible for these changes and consequently any information provided is solely for informative purposes. Banamex Financial Group, its associates and affiliates, do not provide tax advice, therefore you should consult the tax treatment of these products with their own advisors.

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