A new year has begun and with it the opportunity to consider new financial goals. The market offers a series of alternatives to make money grow, for this reason, the former head of the Superintendency of Banking, Insurance and AFP (S.B.S.) Enrique Díaz detailed some of those options.
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As indicated, fixed-term deposits become an option to allocate money. On the SBS website (www.sbs.gob.pe) you can find the profitability of this instrument.
“The other thing that you also have to look at are the mutual funds. There are even funds that simultaneously invest in deposits, and the advantage is that since they work with volume, they negotiate better profitability. “These are short-term instruments,” he added.
For its part, the good result of the Lima Stock Exchange (BVL) in 2024 also makes the stock market an alternative to disburse money. Last year, the BVL achieved a profitability of 12% in dollars and stood out among the countries of the Pacific Alliance.
Enrique Díaz explained that although there is no legal minimum amount for invest in the stock market, recommends that it be at least S/5,000 to obtain a good return. In addition, he pointed out that the United States market is also an interesting option, and for that it is necessary to hire a broker.
On the other hand, the expert pointed out that, before making a decision about the destination of the investment, it is important that you consider how long you will need that money, and what your risk profile is.
“Something that should also be considered is how much money I am able to invest,” he said, adding that it is better to distribute the savings between soles and dollars.
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