Funds and investment accounts: see 5 options to invest

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La Profeco explains where you can invest if you have some money left over
Investments can be diversified. Photo: Gettyimages/Archive

If you have a little money left over and want reverse it to generate performance, but you don’t know where to start, we present some options for you to make your first steps, according to data from the Federal Consumer Protection Office (Profeco).

Where to start?

There are low-risk alternatives to start investing, which are:

  • Popular Financial Companies (Sofipos)which are institutions that offer financial services and products that work through the authorization of the National Banking and Securities Commission (CNBV).

If you choose to invest in one of them, it must be authorized by the CNBV.

Among its benefits are better rates of return for investors, explained the prophet in its Consumer Magazine of the month of September. in this link you can see those authorized to work.

  • Now we go with the investment funds: they are instruments that allow to lend money to private companies and in turn manage and diversify the investment, whether in government debt, stocks or currencies. Among their advantages are that they are managed by expert groups, in addition to having a balance to generate high profits or minimize losses.
  • Another where you can invest is in your account Afore and you can increase the amount of your pension in the future
  • Cetes: the Certificates of the Treasury of the Federation are issued by the Government in pesos and are purchased at a discount price, that is, below their face value of $10. The profit obtained is the difference between the price paid when acquiring it and its nominal value at maturity. They have available terms of 28, 91, 182 and 364 days. Among its benefits, it stands out that no type of commission, penalties or transaction costs are paid, the investment is from 100 pesos.
  • Some banks offer the service of bank investment accounts, in them they offer investments that pay better interests than other instruments; are divided into:
  1. CEDES (Certificates of Deposit), which pay interest each month
  2. PRLV (Promissory Note with Yield Settleable at Maturity), which pays the total capital plus interest, until the end of the agreed term

If you have a little money left over and you want to invest it, you can approach the various options that we present to you, some could convince you.

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