Condusef recommendations that should be taken into account when planning installment investments

More and more people are looking invest your moneyboth to have savings and to increase their assets, which is why they even have financial institutions diversified product portfolio intended for the general public for these purposes, but not all of them suit you, so it is Condusef launched a series of recommendations to consider.

And that is that, as we will explain in more detail on, most often we choose a medium or long-term instrument when we will need the returns soon, so we “hang ourselves” because we will not be able to access these resources whenever we want.

What does Condusef recommend for investment?

According to National Commission for the Protection and Defense of Users of Financial Services (Condusef)it is best to plan investments taking into account various personal factors that will help us define the option that suits us best:


The first thing we have to consider is what we’re going to do with the money we save, and it’s often the first thing we think of, since it’s common for the idea of ​​saving to come from “I want something, I can buy it if I save this much time,” so it won’t be too difficult to define usand there aren’t many options because almost everything boils down to buying something, saving for the future and “for a bad day”, and it’s not the same to invest to get something or simply put someone to work. excess money, especially if it doesn’t sit in a regular account.


Another thing to think about is how much we could set aside for savings and how often we could do it, as the impact of our deposits will be reflected depending on how every week, two weeks a monthwhich will also affect the term.

The hardest part is not wanting to use the money before the deadline. Photo: Shutterstock


This point serves simply to define how long we are willing to wait to achieve our goal, and it will be related to our age and savings goals according to the purpose for which we want to give the money that we will keep Something that we must take special care of when what we want to buy is on sale at the time of starting savings or when our need for it becomes urgent, such as acquiring the necessary appliance or appliances.

financial obligations

Now yes, the obstacles that we will have come, because hand in hand with our ability to save, according to our income, we have to take into account the financial obligations that we have, because apart from the more we have, the less money we have left every fifteen days, it is very important to take into account those that are not fixed, such as electricity, water or gas bills, which vary in each period, so they could destabilize our bills.


While hand in hand with our liabilities goes the need for liquidity, which forces us to consider what we said at the beginning, if we can reach the deadline set by the investment instrument, or if we will have to use resources ahead of time. For this reason, it is not advisable to think about an emergency fund, an investment intended to acquire something fixed, since it will take much longer to reach the goal, it is advisable to have something saved for emergencies and something set aside for what we want to buy, such as a car or houses.


Although this may seem somewhat irrelevant to some, since it is more comfortable for a banking or finance executive to be in charge of defining our “ideal” instrument or analyze our case to present us with the best options, it is best to understand our own characteristics, advantages and disadvantages of our investment, because so we will not despair when we see that in the third month of the 30th our investment fund shows a loss.

To create an investment plan

Now that we have defined the previous points according to our needs and possibilities, it is time to start drawing up our plan, for which we must decide what deadline we will invest:

Investment conditions:

Immediate: savings will be available at any time, with no forced deadlines, making it ideal for an emergency fund

  • Short: Regular to 28 or 30 daysit gives us a forced deadline, but without taking away our access to resources for a long time, at the end of which we will have returns, so it can be used to pay rent, utilities or school fees.
  • Middle: Here we will move away from our money a little more, because although we will know at all times what is happening with it, we will not be able to use it soon, because this horizon regularly sets deadlines for between one and five yearsso it would be better for a birthday party, to pay for a car or health insurance, among other programmed expenses.
  • Long: This is the optimal type of plan for the future, either way pension savingsin addition to the previous one, for acquiring a home or for college tuition children, as something we will not need before age five, although we will be able to continue to add resources.

type of investment

After we have defined our term, it is time to choose an investment profile that will help us choose the best instrument, and among the options we will find investments in shares, fiber, foreign exchange and government debteach with a different type of risk and potential return.

Although for some investment is money, it risks it, the conservative option gives us the possibility that money is available at any time, so its return should notice almost immediatelythis is the best option for short and immediate conditions.

With slightly more risk than the previous option, this one offers the possibility of increasing returns by accessing resources with higher volatility, but also higher profitin a balanced way, because if money is not available at any time, it will be less difficult to wait for the fund to recover from some temporary loss, which is the optimal option for the medium term.

Yes, I consider him the best in the long run, he has the ability to invest more money in the instruments with short, medium and long termssince a horizon of more than five years gives the possibility of generating higher returns without the need for an immediate payment, so it will not affect the financial obligations of the investor.

Now, what’s next?

Since we have defined all the previous steps, which is recommended by both Condusef and The secretary for finance is to explore the various instruments that financial institutions have available on the market, because we may also want to open investment fund in the bank where we have a payrollsuch as investing in a stockbroking institution.

To do this, we must review the options of the institution we choose, analyzing them according to their term, availability, expiration and rate of return, because while some individually invest in Cete and government bondsothers include foreign currency investments, fiber and even debt in other countries, so their returns will vary depending on the portfolio each has chosen.

Finally, we must take into account the rules of the game of each institution, because while Cetesdirecto Nacional Financiera, the federal government, allows alienation before maturityalthough with lower yields, other types of instruments block withdrawals and payments, so that the money would be unavailable to you ahead of time, and you would not even be able to increase the amount, as is regularly the case in bills of exchange in one month.

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