# AFP Habitat Peru

AFP Habitat Peru is a Pension Fund based in Lima, Peru.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Lima, Peru
- **Region:** Latin America
- **Address:** Lima, Peru
- **Founded:** 2013
- **Assets under management:** USD ~4B (Altss estimate)
- **Website:** afphabitat.com.pe
- **LinkedIn:** linkedin.com/company/afphabitatperu

## Regulatory record

- **Reports private funds:** No

## About

AFP Habitat (Peru) is a private sector pension fund in Lima, Peru. It manages $4.6 billion in assets across three funds, primarily focused on Latin America and the Caribbean.

## Sectors

- Public Equities
- Fixed Income
- Infrastructure
- Real Estate
- Private Equity

## People

- Mariano Álvarez de la Torre — General Manager

## Questions

### Who controls AFP Habitat Peru?

The pension fund is co-controlled by Chile's Inversiones La Construcción and U.S.-based Prudential Financial through their joint ownership of the parent entity, AFP Habitat. This cross-border structure is unusual in the Latin American pension industry, where most AFPs are controlled by domestic financial groups or single international insurers.

### How does the mandatory pension system work in Peru?

Peru's private pension system requires formal-sector workers to contribute a fixed percentage of their salary to an AFP of their choice. AFP Habitat Peru invests those contributions in a menu of funds differentiated by risk profile and member age. The state regulator, Superintendencia de Banca, Seguros y AFP, sets investment limits, caps foreign exposure, and monitors solvency.

### Does AFP Habitat Peru integrate ESG into its investment process?

Yes. The fund became a signatory to the Principles for Responsible Investment in 2019 and has since incorporated ESG factors into manager due diligence, monitoring, and reporting. The firm publishes an annual stewardship report aligned with PRI indicators. Engagement activity focuses on Peruvian corporate bond issuers and listed equity holdings on the Lima Stock Exchange.

### What is the relationship between AFP Habitat Peru and the Chilean AFP system?

The parent company, AFP Habitat, originated in Chile as one of that country's original pension administrators. The Peruvian subsidiary was established when the Peruvian private pension system opened to new entrants. The Chilean DNA is visible in the fund's risk-management framework and product design, though investment operations remain fully localized under Peruvian regulation.

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- [Caisse d'Epargne Rhône-Alpes](https://altss.com/profile/caisse-d-epargne-rh-ne-alpes)
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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/afp-habitat-peru

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology