How much can I invest in Sofipos without paying taxes?
Article 93 of the Income Tax Law talks about the income that is exempt from paying taxes. There it is established that the profits generated by having your money in a Sofipo will be tax free as long as they do not exceed a certain amount.
If you have a balance of less than 5 UMAs per year, the profits generated by the returns will be free of paying ISR.
How much are five UMAs per year equivalent?
This 2023 the daily value of the UMA is 103.74 pesos, per month at 3,153.70 pesos and per year it would be 37,844.40 pesos. Therefore, five annual UMAs are equivalent to 189,222 pesos.
Sofipos in which you can invest and their returns
In the market, there are sofipos that offer alternatives to invest from 50 pesos, with terms ranging from seven to 720 days. Some of them are:
- Financial Kubo: Invest for a fixed term with up to 14.60% annual performance.
- Klar: 10% performance, without a specific time period.
- Finsus: It has a return rate of 14.55% and you can invest from 100 pesos.