Make your money grow; to be an investor you don't need more than $100 and perseverance
Achieving financial independence , that which will allow us to live off the resources generated by our investments without having to work , is the goal, and saving is only the first step. What follows is " losing the fear of investing and leaving behind the myth that you need a lot of money to do it," says the director of Escuela Bolsa Mexicana , Gerardo Aparicio. "Today, with a small amount of capital, between 100 and a thousand pesos, you can start investing," he says.
Of course, the larger the capital, the investment alternatives multiply and make it easier to comply with the maxim of every good investor: “diversify”, says Aparicio and adds that, to begin with, you can do it yourself through the internet, in platforms such as Cetes Directo , which allows you to invest from 100 pesos in government securities, without the intermediation of a bank, a brokerage house or any other financial institution, and also without commissions.
Another starting option or perhaps a second step, according to the director of the Bolsa Mexicana school—a financial training and education arm of the Mexican Stock Exchange—is to invest through a digital investment platform , be it a Financiera Popular ( Sofipo) or an online brokerage house, such as Kubo Financiero , Mercado Pago, Financiera Sustentable , Super Tasas, Hey Banco , Finsus, Kuspit, GBM or Dinn, among others that are on the market.
The data...167 thousand 467 pesos
It is the deductible limit this 2021 for investments (capital + returns) in a Sofipo.These portals usually ask for little capital (around a thousand pesos) to open the account and start investing. However, each one offers various services and charges different commissions , which in the end will impact the good performance of your investments or not, says Sofía Macías , author of the Little Capitalist Pig concept, and financial coach.
Also, online brokerage houses give you the option to invest “on your own” or to receive advice, but it depends on the contracted plan. In any case, they also take into account your profile, the goal of your investment and the amount to determine the type of investments (higher or lower risk) that you can access.
Gerardo Aparicio explains that once you have gained some experience and your capital is somewhat higher •between 5,000 pesos and 10,000•, you can take the next step: “do as in the supermarket, and choose your products according to your interests and your personal diversification plan .
What are they...These are the most common investment instruments
Actions . They are the parts in which the capital of a company is divided. Each investor in a company owns a certain number of shares, so he will own the percentage that those titles represent of the company. Market capitalization is the value of all of the company's shares combined.
of Investment (Fund). It is a financial product that accumulates the savings of different people, which are subsequently invested in various financial assets with the aim of achieving greater profitability. It is managed by professionals.
ETFs (Exchange Traded Funds) . It is a collective investment vehicle listed on the stock exchange. They invest in a large number of well-diversified assets, such as stocks, bonds, and other ETFs, and seek to match the performance of some stock index. Commissions are low.
Government Values. They are credit instruments issued by the Federal Government, which seek to obtain resources and regulate the supply of money in the market, for which they are considered an instrument of monetary policy. They are sold through promissory notes with a promised fixed yield.
Cetes . The Federal Treasury Certificates are the most popular debt instrument issued by the Federal Government. They are promissory notes issued by the government to raise funds over a certain period and that generate returns for those who invest in them. They are short-term instruments (28 days, 3 and 6 months and one year).
Where do I begin?
They say that he who does not risk does not win and it is true: the highest yields are linked to greater risks; however, it is best to be cautious to begin with. If you have already decided to put your money to work and you have little experience, Sofía Macías recommends that you “go little by little so as not to scare yourself with a very high-risk first investment that may make you lose and take away the desire to move forward.”
There are several options to start investing with little capital. Some such as Sofipo , online brokerage houses and banks are regulated by the National Banking and Securities Commission (CNBV), and others, which belong to the fintech ecosystem, are barely in that process but usually offer good returns.
To find out if they have authorization to operate and are regulated, you can look for them in the register of supervised companies of the CNBV or in the Sipres directory of the Condusef. Take this into account, because the fact that they are regulated makes it less risky to trust them with your money.
Sofía Macías , also author of the online training program Financial Challenges, offers you several tips to start investing:
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1. Calmly.
The ideal is to go from saving to investing with a short-term and low-risk instrument, because it is the first experience. The profits will not be big, but it will grow and you will be able to risk more and more.
Options :
We recommend:'Invest In Mexico' platform to attract investments to Mexico supported by Alianza Federalista2. Know your goals and your profile.
Both are important and you must know them to choose your type of investment . The starting point is the goal, what do you want that money for? Because you cannot invest in something super volatile like bitcoin the savings you had for the re-registration of your children or for the down payment of your house if you were already thinking of buying in six months; Perhaps in long-term issues such as retirement, you can withstand more volatility (which makes the investment riskier), in order to achieve a higher return, but “here you must filter with your profile: can you bear the risk of losing money or not? does it make you nervous?” Advice:
3. Check the commissions, projects and returns.
You must first understand what they offer you. Although they are all on the internet , brokerage houses are where you buy funds, ETF's and shares; and other platforms make collective loans between people (Peer2Peer), in this section are sofipos and crowdfunding fintech. Based on this:
Make a call... Select some digital platforms and contact the customer service area to verify that they are really reachable. You must be sure that they will assist you if necessary.4. Be careful with the privacy notice and the service channels.
They will have your data and you should know how they will use it. Also, hiring is always easy, but you must make sure that if there is any problem you can contact them and they will respond to you. Make a test call to Customer Service before hiring .
As you can see, it is possible to invest and grow your money from a small savings . You just have to set a goal, be constant and choose the financial ally that suits you best.
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