Those who would like to increase their future retirement income can either leave the funds in their accounts with INFONAVIT or obtain better returns elsewhere. Each of these functions would be carried out by a separate corporate entity, although there would be some linkages between the two. As a provider of housing finance, the two most promising ways in which INFONAVIT can remain active as a supplier of low-income housing finance in the face of reduced access to low-cost funds would be to focus on lowering targets for prudential ratios and to increase the use of alternative finance techniques (e.g. through the capital and private markets, etc.). As an asset management institution, the changes in the law that are now under consideration would oblige INFONAVIT to reconsider its role in the entire Mexican social safety net and the financial system.