The interest rate currently granted by the Federal Treasury Certificates (Cetes) is at all-time highs, in fact, it is the highest since the Cetesdirecto platform began operations where anyone can access the purchase of securities governmental.
The yield of Cetes at 28 days is 10.70%, at six months 10.99% and at one year it stands at 11.06 percent, according to data from Cetesdirecto. This will allow people who invest in this financial product to get a better return on their money.
To invest in Cetes there are various tools, it can be done through intermediaries such as banks, where some institutions ask for minimum amounts of 5,000 or up to 50,000 pesos, depending on the entity, you can also invest from brokerage house platforms, such as GBM or do it directly from the Cetesdirecto platform.
Any person of legal age can invest in Cetesdirecto, they only need to open an account from their cell phone or computer, the minimum investment amount is 100 pesos and there is the option of doing it weekly, fortnightly or monthly; The terms available to do so range from 28 days, three and six months, one year, three, five and up to seven years, depending on the financial product you choose.
For example, within the Cetesdirecto platform you can not only buy Cetes, other options are also available, such as three-year and 20-year bonds, with yields of 9.94 and 9.08%, respectively. There are three-year udibonos with interest of 4.63% and 4.19% at 30 years.
You can also invest in Federal Government Development Bonds (Bondesf) at two, five and 10 years; Savings protection bonds such as the three-year BPAG28, the five-year BPAG91 and the seven-year BPAG182, there is also the option of investing in investment funds such as the ENERFIN, which grants a yield of 11.33% without expiration.
The interest paid by the Cetes has increased because it is linked to the reference interest rate of the Bank of Mexico, which is now at 10.50%, this after various increases that have been made in order to contain inflation.
What will your performance be?
To find out how much you will be earning on the investments made through the Cetesdirecto platform, where there is no commission for opening or administration or penalty for early withdrawal, there is an investment calculator available on the website.
If you are a beginner and want to invest a small amount first to find out how it works, you can check beforehand how much you will receive. For an investment of 500 pesos in 28-day Cetes with an annualized rate of 10.70%, the yield that you will obtain at the end of the term is 504.10 pesos. If the amount is left to one year, then the result will be 555.24 pesos.
If your investment is larger and you want to invest 50,000 pesos for a one-year term where the return is 11.06%, you will receive 55,531 pesos.
Within the platform there is also the option of making recurring savings, that is, making savings every week, fortnightly or month, little by little with a defined amount that will be deducted from your bank account in the period you have chosen.
For example, if you decide to save 1,000 pesos a month with biweekly contributions of 500 pesos in 12 months, you will get 12,000 pesos accumulated for the contributions plus 669.36 pesos of returns.
In addition to recurring savings, you can find savings challenges, such as the 2023 bonus to get up to 15,000 pesos, the Condusef challenge to reach 7,800 pesos in 12 months; the virtual jar of weekly savings, among others.
One of the advantages of investing in the Cetesdirecto platform is that if you need your money before the end of the investment term, you can access it without any penalty.
yuridia.torres@eleconomista.mx
hartford car insurance shop car insurance best car insurance quotes best online car insurance get auto insurance quotes auto insurance quotes most affordable car insurance car insurance providers car insurance best deals best insurance quotes get car insurance online best comprehensive car insurance best cheap auto insurance auto policy switching car insurance car insurance quotes auto insurance best affordable car insurance online auto insurance quotes az auto insurance commercial auto insurance instant car insurance buy car insurance online best auto insurance companies best car insurance policy best auto insurance vehicle insurance quotes aaa insurance quote auto and home insurance quotes car insurance search best and cheapest car insurance best price car insurance best vehicle insurance aaa car insurance quote find cheap car insurance new car insurance quote auto insurance companies get car insurance quotes best cheap car insurance car insurance policy online new car insurance policy get car insurance car insurance company best cheap insurance car insurance online quote car insurance finder comprehensive insurance quote car insurance quotes near me get insurance