In the world financial There are different types of investment, but choosing the ideal one for you depends on certain factors. For this reason, it is important to make an adequate analysis of the fund or asset in which you want to invest, as well as your own risk profile, horizon and investment objectives.
“In a situation of high volatility like the current one, many investors are opting for more conservative alternatives, which allow them to preserve their capital, but at the same time, generating a percentage of profits”, indicates Elizabeth Montanchez, head of Business Development at Inversiones SURA Peru.
In this sense, the expert recommends the investment category “Money Market”. “This is aimed at capital preservation, ideal for this volatile context. Its expected return has been between 1% and 5% in recent years, and the expected risk is quite low”, Montanchez explains. What are the funds that are in this category and in which we can invest?
- Ultra Cash Soles FMIV and Ultra Cash Dollars FMIV: both are short-term funds and their only difference is that one is invested in soles and the other in dollars. “It depends a lot on the objectives of each person: the dollar is a strong currency that at this juncture works as a refuge; but if your earnings, debts and future plans are at a local level, perhaps investing in soles is more convenient for you”, explains the expert. These funds are ideal for conservative and ultra-conservative profiles, as they provide investors with higher returns than the average time deposits. In addition, they do not have a minimum period of permanence, that is, you can withdraw your money when you decide. To invest in this fund, the minimum amount required is 2,500 in soles and 1,000 in dollars.
- Short Term Soles FMIV and Short Term Dollars FMIV: Like the previous ones, these funds are ideal for conservative profiles. “The difference with the Ultra Cash funds is the duration that each one has in a portfolio. Although both invest 100% in local fixed income, the Ultra Cash have a duration between 90 and 180 days, while the Short Term funds have between 90 and 360”, explains Montanchez. These funds invest in short-term debt instruments with an average duration of 6 months and do not have a minimum permanence term either. The minimum investment amount in soles and dollars is the same as in the case of Ultra Cash funds.
The expert suggests investing in any of these funds for a period of 3 months or more. “Although it is true that you can withdraw your money at any time, even days after having entered the fund, it is advisable to wait a few months to give it time to generate returns.”
Finally, Elizabeth Montanchez recalls the importance of having the advice of an expert and diversifying our investment portfolio. “Having several investment options is recommended, as it allows you to be better covered in the event of volatility, avoiding large devaluations of your capital”ends.
