Is it worth investing in Cetes?
The Cetes are attractive because, although they have had reductions, they represent an alternative to invest if inflation is taken as a reference, which is currently 3.79% at an annual rate, according to Inegi.
The current terms of the Cetes give a return that exceeds the price index, which makes them a valuable option to protect money from the loss of purchasing power.
How to estimate my real performance?
In general terms, one way to estimate what profit you would obtain by investing in Cetes is to subtract the current inflation rate from the yield offered by these bonds, for example.
The 28-day Cete offers a current yield of 6.88%, while annual inflation for the first half of January is 3.79%.
By removing inflation from Cete’s profit, it gives a real return of 3.1 percentage points, which is what you would get because you are eliminating the price increase.
