Although it is true that the entry barrier, the minimum investment amount, has been greatly reduced, that does not mean that investing 100 pesos will generate great returns. If 100 pesos are invested with a very qualified, very good professional, a return of 8 or 10 pesos can be obtained in a year, explained the specialist.
In addition, if only 100 pesos are invested, the profit margin will be low, due to the commissions charged by the platforms and brokerage houses for managing an account and the payment of taxes. “With such a small amount of money, profitability can be low or even negative, but it is a way to attract potential customers, who are banked and have their money generating a financial loss, because the bank does not even pay the expected inflation”, said a source who requested anonymity.
For people with little financial or stock market knowledge, it is best to contact a professional financial intermediary who will advise you based on your risk profile and investment horizon.
On some platforms, a legal document must be signed in which the person is aware of the risk involved in investing in stock markets and that any loss is assumed. “All intermediaries have to protect themselves in such a way because it is a matter of regulation,” the source said.
Other options to invest
For specialists, in Mexico, people should focus on two types of investment depending on whether or not they are willing to lose money. Nine out of 10 investors are not willing to lose money, in which case their savings and investment option must be cetes, which can be accessed through the Cetes Directo platform, or through the options managed by different banks.
Cetes are an attractive instrument, especially at this time, when the rate is higher than other assets in the market (11.2% one year). “The rate that it is offering is a return that the best of equity stock managers have a hard time achieving and maintaining,” Vera pointed out.
The specialist explained that an administrator who has a professional training, who is involved in it 12 hours a day and who lives glued to the graphs, can perhaps obtain average returns of around 11% or 12%, a level that at this moment the Cetes are paying, and are also risk-free.
“A small saver who is seeing the minimum to start investing, what he has to do is put 60% in Cetes and 40% in variable income, preferably ETF’s (Exchange Traded Fund, for its acronym in English) of the market American and Mexican”, concluded the expert from the Invala Famaly Office.