a) Deferring income tax until the additional saved funds are withdrawn; b) Equalizing the fees charged to mandatory and voluntary savings; c) Eliminating barriers such as meeting a five-year permanence period in the mandatory system to contribute to the voluntary savings(Peru) or meet­ing a waiting period to withdraw sums from the voluntary fund(Mexico that is eliminating this barrier through a bill in congress); d) Introducing new techniques(Mexico) such as automating accounts, dig­ital files, electronic deposits, biweekly reminder text messages to sav ­ers’ mobile phones, Facebook campaigns for those who already have accounts and report balance, and advertising campaigns in the media and transportation; and e) Setting a pre-established automatic voluntary savings mechanism by discounting an amount from the payroll of formal salaried workers, with an opt-out option; transferring a portion of the income tax return to vol­untary savings and adding a percentage for said savings to all credit card purchases with an opt-out option. 15. Restricting the Withdrawal of Funds from Individual Accounts To mitigate the conflict between, on the one hand, the urgent and severe need experienced by the insured due to the pandemic and the economic crisis and, on the other hand, the danger that the pension systems collapse, whose main objective is to guarantee a minimum income during old age, disability, and to survivors, the following is proposed: a) In Peru, multiple withdrawals of funds before retirement should be reversed or restricted to prevent them from being used for consumption, as evidence shows. To attain this, it would be necessary to reduce their amount and set as a condition to allow withdrawals that the sum with­drawn is returned within a given period after the pandemic or that they are invested in micro-businesses that may financially help the insured in the future; 222