Invest in times of crisis

For those who are fortunate enough to have money saved, now more than ever, talking about how to invest it to take care of it and make it grow can sound very attractive;

However, for those who do not have the habit of saving, the subject seems a real mission impossible.

Trust us, even in the latter case, it is not.

"In reality, investing in Mexico is relatively simple because it does not require many amounts of money, we can do it from one peso, there are many options for all budgets," Juan Luis Ordaz, operational director of Citibanamex Financial Education, recently commented for the podcast "Cuéntame de Economía" by Grupo Expansión.

These are some investment options that will put your money to work even in times of economic uncertainty like the one we live in:

Cetes Directo: invest from $ 100

A few weeks ago,

The National Commission for the Protection and Defense of Users of Financial Services (Condusef) carried out an exercise to find out how much money a couple of

had spent on beer

who, for 6 years, have used to buy at least a package of 12 beers from the week to liven up the meetings with your friends.

Considering a cost of $ 152 per occasion, its consumption amounted to $ 43,776 in those holiday months.

Of course, we should not blame only alcohol for our lack of savings: coffee, cigarettes, soft drinks, sweets, gum, snacks and even tips are also part of that ant expense that, according to Condusef, can represent up to 12% of our monthly salary.

If after seeing these numbers you still think that you don't have money to be an investor, we present one of the ideal instruments for those who are just starting out in the world of investments:

The Certificates of the Federal Treasury (CETES) are credit instruments issued by the Federal Government in which you can invest from $ 100 and that guarantee a fixed income, this means that, due to the low level of risk they offer, it is practically sure your money will grow.

Learn more about this scheme at www.cetesdirecto.com.

For example, in the case of beer buying roommates, if they invested that money in CETES, in one year their money would increase to $ 45,076, that is, a profit of: $ 1,300.

Better to invest it than drink it, right?

The world of mutual funds

It may sound overly sophisticated, but it is not.

These are savings vehicles that bring together several investors to obtain more important benefits in the administration of resources than if they did it individually.

Although the offer of investment funds in Mexico is wide, in general, they can be classified into two types:

Investment funds in debt instruments:

your money is invested in bank promissory notes, bonds issued by the federal government, commercial papers or obligations of private companies ... to be more clear: you lend your money to financial institutions with the promise that they will return it to you with an interest rate.

These are low-risk funds, ideal for investors who want to protect their assets smoothly.

A very appropriate option to feel calm.

Investment funds in variable income instruments

here the money enters the stock markets, since it is invested in shares of companies that are listed, for example, on the Mexican Stock Exchange.

That's right, you can become a shareholder in companies as important as Wal-Mart, Telmex or Bimbo.

This type of instrument is for a more aggressive investor profile.

Investment funds are managed by experts who offer specialized advice in search of giving the highest possible return on your money and can even diversify your capital between debt and equity instruments: depending on your investor profile, the fund will invest more in fixed or variable income, and returns will be linked to risk.

There is always a good option for every investor.

Do not be afraid or ashamed to ask your advisor, remember that the result of your work is what is at stake.

More options to be an investor

As you can see, not even the difficult moments in which the world is going through are an impediment to think about your heritage growing.

Another alternative to achieve this is the Afores through voluntary contributions.

The advantages of this scheme is that you can have tax benefits and obtain more attractive interest rates than with conventional savings instruments.

Buying real estate is also a good way to invest and protect our money, as this type of property tends to preserve its value and even increase it in the long term, although they have the disadvantage of being poorly liquid (in case of an emergency, definitely not you will have the money at your disposal immediately).

The investment possibilities are vast and available to practically all Mexicans, you just have to be very careful when choosing the instrument that suits your investor profile.

And an even more important recommendation: “Verify that the institution to whom you are going to entrust your money is legally established.

For example, in the National Banking and Securities Commission and in the Condusef you can verify if that company is regulated by the Mexican financial system ”, concludes the operational director of Citibanamex Financial Education through the podcast“ Cuéntame de Economía ”.

It is always a good time to learn and create new alternatives to safeguard the personal and family economy, if you want to learn more about personal finance and other related topics you can visit the

Citibanamex Financial Education