Institutional Savings

Flexible Savings Account

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It is an employee grouping created as a mutual fund that arose from the decision made by the Company and its workers to create a voluntary savings plan to bring benefits to all its participants.

It establishes a rapid and tax efficient mechanism that promotes a savings culture among employees.

It achieves attractive yields that are tax-exempt for the employees.

It provides an instrument to offer loans at preferential rates.

Ordinary Contributions:

  • Contributions are deducted from payroll
  • Contributions are made on each payroll cut-off date
  • Liquidity is defined in the bylaws
  • The contribution amount is defined upon signing up to the Plan and  will be a fixed amount unless company bylaws indicate otherwise and state specific dates that change the contribution amounts.

Extraordinary Contributions

  • Are made directly by the employee (referenced deposit)
  • High – liquidity level
  • Withdrawals are made through the customer service telephone line
  • The contribution amount may vary and is voluntary


  • Acquisition and/or promotion of the savings culture
  • Transparency and security in resource management
  • High flexibility in contribution investment
  • Attractive and tax- exempt yields
  • Credits, if applicable, at a competitive rate



  • It acts as a low-cost benefit and has a high appreciative value for employees, even higher than other benefits.
  • Optimizes the management and handling of employees’ savings
  • Reduces the risk of informal savings schemes
  • Improves the organizational environment and contributes to increase productivity
  • Consultancy service designing and implementing your “Flexible Savings Account”
  • Assistance, at no additional cost, of the specialized area in the Account management, investment and operation
  • The possibility to hire the services of our Monex Funds and Accounts Manager (Administradora de Fondos y Cajas Monex A.C) to obtain independent management.
  • A wide and attractive range of available tax-exempt investment funds, with higher and more competitive yield levels.
  • Individualization system and financial estimate of Account contributions where all processes are automated and the information is available for you online 24/7, 365 days of the year.
  • Integral management, that generates the necessary operation reports relative to: investment of resources, registrations, cancellations, contributions, withdrawals, loans,  payments, among others.
  • Communication, processing and data storage infrastructure, with the highest security standards.   
  • Personal assistance by assigning each company with a specialized executive.
  • Access to our “Monex Si” Customer Service Telephone Line for consultancy, withdrawals and clarifications over the operations and management of such Account.  





Contact your Account Executive


Bring the necessary documents and sign the corresponding contract


Begin using our services