Condusef recommendations to take into account when planning an investment in installments

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More and more people are looking for invest your moneyboth to have savings and to increase their assets, which is why even financial institutions have diversified product portfolio intended for the general public for these purposes, but not all of them fit you, so the Condusef launched a series of recommendations to consider.

And it is that, as in We will detail you, the most common is to choose a medium or long-term instrument when we will need the returns soon, so we “hang” ourselves, since we will not be able to access these resources when we want.

What does the Condusef recommend in investments?

According to the National Commission for the Protection and Defense of Users of Financial Services (Condusef)it is best to plan our investments taking into account various personal factors that will help us define the option that best suits us:


The first thing we must take into account is what we will do with the money saved, and it is also often the first thing we think of, since it is common for the idea of ​​saving to come from a “I want something, I can buy it if I save so much time “, so that it will not be too difficult to define usand it is that there are not many options either, because almost everything is reduced to buying something, saving for the future, and “for a rainy day”, and it is not the same to invest to acquire something or simply to put someone to work. excess money, especially so as not to leave it inactive in a regular account.


The second thing to think about is how much we could allocate to save and how often we could do it, since the impact of our deposits will be reflected depending on how they are every week, fortnight or monthwhich will also affect the term.

The hardest part is not wanting to use the money before the deadline. Photo: Shutterstock


This point is simply to define how long we are willing to wait to achieve our goal, and it will be related to our age and savings goals according to the use we want to give the money that we will keep Something that we must take into account especially when what we want to buy is on sale at the time of starting savings, or when our need for it becomes an urgency, such as the acquisition of a necessary appliance or appliance.

financial commitments

Now yes, the obstacles that we will have come, because hand in hand with our ability to save, according to our income, we must take into account the financial commitments that we have, because in addition to the more we have, the less money we have left every fortnight, it is very important to take into account those that are not fixed, such as electricity, water or gas bills, which vary every period, so they could destabilize our accounts.


While hand in hand with our commitments is the need for liquidity, which makes us consider what we said at the beginning, if we can reach the term established by the investment instrument, or if we will need to make use of the resources ahead of time. For this reason, it is not advisable to think of an emergency fund, an investment destined to acquire something fixed, since it will take much longer to reach the goal, it is advisable to have something saved for emergencies and something separate for what we want to buy, such as a car or a House.


Although it may seem somewhat irrelevant to some, since it is more comfortable for the banking or financial executive to be in charge of defining our “ideal” instrument, or analyze our case to present us with the best options, it is best to understand the characteristics on our own, advantages and disadvantages of our investment, since so we will not despair when we see that in the third month of 30 our investment fund shows a deficit.

To create the investment plan

Now yes, once we define the previous points according to our needs and capabilities, it is time to start drawing up our plan, for which we must decide what term we will invest:

Investment terms:

Immediate: The savings will be available at any time, without forced deadlines, making it ideal for an emergency fund

  • Short: Regularly to 28 or 30 daysgives us a forced term, but without taking away our access to resources for a long time, at the end of which we will have returns, so it can be used to pay rent, services, or tuition.
  • Medium: Here we will move a little further away from our money, because although we will know at all times what is happening with it, we will not be able to use it soon, since this horizon regularly poses deadlines for between one and five yearsso it would be better for a birthday party, to pay for some car or medical insurance, among other programmable expenses.
  • Long: This is the optimal type of plan for the future, either as retirement savings, additional to the Aforeto acquire a home or for the college tuition of the children, being something that we will not need before the age of five, although we will be able to continue adding resources.

investment type

Once we have defined our term, it is time to choose an investment profile, which in turn will help us choose the best instrument, and among the options we will find investments in stocks, fibers, foreign exchange and government debteach with a different type of risk and possibility of recovery.

Although for some investing is money, it is risking it, the conservative option gives us the option that the money is available at any time, so its returns should be noticed almost immediatelythis being the best option for short and immediate terms.

With a little more risk than the previous option, this one offers the possibility of increasing returns by accessing resources with higher volatility, but also more profitin a balanced way, because by not keeping the money accessible at any time it will be less difficult to wait for the fund to recover from some temporary loss, being the optimal option for the medium term.

Now yes, I consider the best for the long term, it has the ability to invest more money, and in instruments with short, medium and long termssince the horizon of more than five years gives it the ability to generate higher returns without having to pay soon, so it will not affect the investor’s financial commitments either.

And now, what’s next?

Since we have defined all the previous steps, which is recommended by both the Condusef and the Secretary of Finance is to investigate the various instruments that financial institutions have available in the market, because we could just as well want to open a investment fund in the bank where we have the payrollsuch as investing in a stock brokerage institution.

To do this, we have to review the options of the institution we choose, analyzing them according to their term, availability, expiration and rate of return, because while some invest individually in Cetes and government bondsothers include investment in foreign currency, fibers and even debt in other countries, so their returns will vary depending on the portfolio chosen by each one.

Finally, we have to take into account the rules of the game of each institution, because while Cetesdirecto of Nacional Financiera, of the federal government, allows the divestiture before maturityalthough with lower yields, other types of instruments put a lock on withdrawals and deposits, so that money would be inaccessible to you before time, and you would not be able to increase the amount either, as is regularly the case in promissory notes in one month.

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