If you are a person who has thought about wanting to invest your money, but you do not know what the best option is and you have no idea how to do it, today we will tell you what the safe way is and we will explain how you can make this investment so that I paid you backso take out your pen and notebook and write down the recommendations that we are going to give you.
Faced with this situation of doubt and uncertainty, the National Commission for the Protection and Defense of Users of Financial Services (Condusef), shared a series of tips so that the population can make their investment of money without this generating risk, and also, this provides them with the better yields.
How can I invest my money without risk?
According to Condusefin an informative newsletter shared that for people who have no knowledge of how it works and are just starting out in investments, it is advisable to start with low risk investment instrumentswhich pay moderate amounts of money, but also, the risk of losing your money is much lower.
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Two of these low-risk investment instruments are Treasury Certificates (Cetes) and Notes with Yield Settleable at Maturity (PRLV).
- Notes with Yield Settleable at Maturity (PRLV)
This is an instrument offered by banks, in which you can invest for a certain term, with a fixed annual interest ratewhich allows to have the initial capital and that the interests that have been generated at the expiration of the established period. These returns that they can offer you may vary according to the amount and time established in the investment.
- Treasury Certificates (Cetes)
In this other, cetesdirecto, are a product and trademark registered and administered by the National Financial (NAFIN)and has an internet platform which is completely free and allows any user of these financial products, invest in Government Values low risk, without the bank interfering.
Likewise, the Condusef created an exercise that helped to simulate a savings and investment account where it is compared when you can obtain from an investment of 10 thousand pesos in 5 years at a term of 28 days. The table shows the profit obtained by investing in Cetes and the result of the PRLV, based on the same time and the result was as follows:
- Compartamos $12,240.42 – (Annual interest rate 4.05%) – (Total annual profit 4.13%)
- Banamex $11,284.87 – (Annual interest rate 2.42%) – (Total annual profit 2.45%)
- Banorte $11,089.47 – (Annual interest rate 2.07%) – (Total annual profit 2.09)
- BBVA $11,023.24 – (Annual interest rate 1.95%) – (Total annual profit 1.97%)
- HSBC $10,767.58 – (Annual interest rate 1.48%) – (Total annual gain 1.49%
- Scotiabank $10,681.88 – (Annual interest rate 1.32%) – (Total annual gain 1.33%)
- Bajío $10,491.51 – (Annual interest rate 0.96%) – (Total annual profit 0.96%)
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For those interested in starting in the world of investments, it is recommended that they go with experts and request advice so that they can learn more about how to carry out these actions and without risk, in addition to being the ones who guide them in the investment process in order to feel safe in the process.
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