The mutual funds have become an attractive option for those seeking to make their surplus money profitable. These funds allow both natural and legal persons to invest their capital through specialized administrators, who manage the investments to obtain profitability. According to data from the Association of Mutual Fund Administrators of Peru (FMP), until August of this year, mutual funds managed assets of S/ 43,312 million, with nearly 393,000 investors.
LOOK: Users could choose between credits with or without credit life insurance
Before making the decision to invest, it is crucial to evaluate certain factors to maximize benefits and minimize risks. Here are some key aspects to consider:
1. Define the investment objective
The first step is to identify what you want to invest for. Depending on whether the goal is to save for emergencies, education, retirement, or even travel, you can choose a fund that fits these purposes. This decision will be key to selecting the appropriate term and type of fund.
2. Establish the investment term
Determining the time during which you want to maintain the investment is essential. Mutual funds can be designed for the short, medium or long term. Knowing this, the investor will be able to choose the most profitable option according to his liquidity needs.
3. Choose the investment currency
The FMP recommends that, if the investor’s income and expenses are in soles, the ideal is to save in soles. If part of your expenses are in dollars, it would be prudent to diversify your savings in both currencies. However, it is not advisable to speculate on the exchange rate.
4. Know the risk profile
Every investor has a different risk tolerance level. Therefore, it is essential to define whether you are conservative, moderate or risky before choosing a mutual fund. This profile will directly influence possible profits and risk exposure.
5. Supervision and security
Finally, it is essential to ensure that the fund manager is authorized and supervised by the Securities Market Superintendency (SMV). This ensures that operations are secure and transparent.
Before making a decision, it is recommended to compare the commissions and minimum terms of stay. Although mutual funds allow you to enter and exit the investment without major complications, failure to comply with the minimum terms could generate penalties.
With more than 234 funds available in the Peruvian market, there are options for every type of investor. The most important thing is to respect the deadlines and choose a fund that aligns with your investment objectives, to maximize profitability.
Take advantage of the NEW EXPERIENCE, receive our enriched digital newspaper by mail or WhatsApp. Peru21 ePaperLearn about our plans!
RECOMMENDED VIDEO
