Analysts estimate that after Banxico’s latest monetary policy decision, with inflation set to rebound in January due to the increase in taxes on sugary drinks, among others, there will be a pause in interest rate cuts.
The advantage for investors is that the rate could remain at that level for a long time and in this way, the Cetes would not reduce the interest rate so much.
Analysts estimate that in 2026 Banxico will close the year with a rate of 6.5%, but there will be pauses in the cuts at least in the first quarter.
The 28-day Cetes rate accumulates a decrease of 300 basis points in the year until this week, according to economist Gabriela Siller; This is the largest decrease since 2009.
In 2025, the 91-day Cetes have registered a decrease of 280 basis points, the 182-day Cetes accumulate a decrease of 254 basis points while the 728-day Cetes accumulate a decrease of 251 points.
The Treasury reported last week that for next year, the frequency of Cetes auctions will remain unchanged and that the range of amounts to be auctioned will range between 5,000 and 20,000 million pesos.
What is the performance of the Cetes at Christmas?
The 28-day Cetes offered returns of 7.04% this week from 7.15% last week.
Within three months, Cetes yields decreased to 7.18% while within six months, yields were 7.4%.
At one year, and with the highest rate, the Cetes give 7.55% return.
Cetes Directo announces that deposits can be made 24 hours a day in 2026
The director of Direct Sales of Securities to the Public at Cetes Directo, José Ballesteros, reported that next year Cetes Directo will allow clients to make money deposits 24 hours a day and not during restricted hours.
Nacional Financiera is a development or second-tier bank and as an operator of Cetes Directo it is directly connected to the SPEI to make investments at no cost.
The bank is in the necessary authorizations to ensure that investors can make deposits as if they were a traditional bank, and they hope to reach 3 million users.
