Blog

Notes on taxes, clarity, and building Tributo.

June 6, 2026

Uruguay's AFAPs: which ones exist and how they compare (2026)

Uruguay has four AFAPs. We show who they are, their size, and how to really compare them: the commission matters far more than the return. With BCU data.

June 6, 2026

How to check your AFAP, choose a manager, and whether you can withdraw the money

Three key questions about your pension savings: how to see your balance, how to choose or switch AFAP, and whether you can take that money out. Practical answers with official sources.

June 6, 2026

Your AFAP account: what it is, how much is in it, and what you can do with that money

Part of your pension contributions goes to an individual savings account in your name, at an AFAP. What it is, how much builds up, how to choose, and what happens to it at retirement — with official sources.

June 6, 2026

Wealth tax (IPAT) for individuals: what it is and when you pay

The IPAT taxes your wealth, but only above a non-taxable minimum. How much it is (10% and 20%), what counts, and why your AFAP savings don't — with official sources.