In recent months, treasury certificates (Cetes) have offered double-digit returns, more than double inflation. Attractive, isn’t it? However, through sophips you can get better returns, although carries a higher risk because they are instruments backed by private companies and not by the federal government.
How to invest in a Sofipo?
Before choosing a Sofipo, it is important that you confirm that it is registered with the National Banking and Securities Commission (CNBV) or in the registration system of financial service providers (SIPRES) of the Condusef.
Once you have reviewed the records, compare to see which alternative offers you the best service, the best returns and charges fewer commissions, as well as the amounts that you can invest -minimum and maximum- and the terms.
In the market there are sofipos such as Kubo Financiero, Klar, Finsus, Finamigo, Fincomún that offer alternatives to invest from 50 pesos with terms ranging from seven to 720 days.
The returns will depend on whether you save or invest, as well as the institution you choose, but you can earn profits of up to 14.55%.
The money of Sofipos clients is protected by the Popular Savings and Credit Law (LACP) for up to 25,000 Udis or investment units, that is, around 194,250 pesos.
The Udi as of July 19 of this year had a value of 7.775659 pesos.
As in any investment, it is important that you diversify. In case you want to invest more than the insured amount, it is better that you put your marbles in different Sofipos or in other instruments.
The operations that are not guaranteed by the protection fund are those obligations or deposits in favor of the members of the board of directors and commissioner, as well as officials of the first two hierarchical levels of the Sofipo in question.
The operations that have not been subject to the legal, regulatory, administrative provisions, as well as to the healthy practices and uses between the Sofipo, in which there is bad faith of the owner and those related to illegal acts or operations that are located in the cases of Article 400Bis of the Penal Code for the Federal District (CDMX) in matters of common jurisdiction and for the entire republic in matters of federal jurisdiction.
The Sofipos will have the obligation to inform their clients, as well as the general public, about the terms and conditions of the protection fund.
To make a claim for the service provided by a popular financial company, it is necessary to go to the Condusef.