Other advantages of these instruments are their very low level of risk and that you can invest with a minimum of only 100 pesos without the need for another financial intermediary.
You only need a bank account to be able to make transfers and open your account in Cetes Direct in the app or on the website .
Below we present an exercise on this type of investments using the Cetes Direct calculator:
How much do I earn if I invest 10,000 pesos a year in Cetes?
Once you have the 10,000 pesos, you will proceed to invest them in Cetes for 28 days with automatic reinvestment, that is, your money will be reinvested in its entirety for a whole year.
The Cete gross rate was 11.29% as of July 13, 2023.
In one month, you would already get 10,086.65 pesos. But once the year has passed, the Mexican government, which is the issuer of the Cetes, will be returning you a total of 11,140.65 pesos already deducted from taxes, and which you can transfer to your bank account.
Sounds attractive, doesn’t it?
How much do I earn if I invest 1,000 pesos a year in Cetes?
Now if you want to be more moderate in your investment and applying the same scenario, but with 1,000 pesos: in one month you would already have a profit of 8.65 pesos.
But if you decide to wait all year, in the end you will be taking 1,113.92 pesos. Without a doubt a better investment than the one that would result from keeping your money in the bank.
Are you not convinced?
How much do I earn if I invest 100 pesos a year in Cetes?
If we apply the same scenario, but now with an initial investment of only 100 pesos (which is the minimum amount allowed), in one month you would already have a profit of 86 cents, but if you decide to leave them all year, in the end you would have a return of 11.40 pesos already deducted taxes.
If you have already decided to invest in Cetes, but your plan covers other amounts and more years, do not hesitate to contact the Cetes Directo staff or use their calculator to have a better overview of your finances in the future.
Cetes Directo also gives you advice if you contact them on Twitter.