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Mexico’s Afores Post Record 2025 Gains of 1.14 Trillion Pesos, More Than Double 2024

Industry leaders say the windfall lifted the SAR’s long‑run real return to roughly 5% after an exceptional year in markets.

Overview

  • Consar reported 1,141,766 million pesos in 2025 plusvalías, with gains in 11 of 12 months and a single April setback tied to U.S. tariff uncertainty.
  • A rare combination of a global equity rally and rate cuts by Banxico (from 10% to about 7%) and the Fed boosted both stocks and long‑duration bonds.
  • About half of Afore portfolios sit in Mexican government debt, and domestic equity exposure rose to 6.90% in November 2025 from 5.68% a year earlier.
  • Standout 2025 performers included gold (+43% in pesos), Fibras (+38%), Mexican equities (~+35%), and long‑term Udibonos (+19.7%), according to market data cited by analysts.
  • The system managed roughly 8.29 trillion pesos across about 69–72 million accounts, while Amafore highlighted a 16% portfolio return for 2025 and cautioned that 2026 could be more volatile even if broad losses are not expected.