As has already been mentioned, institutions other than AFPs started to manage these savings from March 2002 onwards, producing a competition in which the AFPs have proved themselves to have important qualities, as a result of their experience as managers of third-party funds, in matters such as yield, commissions, service, guarantees, etc.

With regard to commissions, at present the AFPs are charging a commission corresponding to an annual percentage of the accumulated funds for managing Agreed Deposits and Voluntary Social Security Contributions. This fluctuates between 0.47% and 0.70%