The INEGI reported Tuesday that general inflation reunited 3.57%in August, although it remained within the official goal, supporting the prospects that the Bank of Mexico will again cut its key rate of interest in 25 base points in its next decision at the end of September.
How many types exist and how much are they worth?
CETS are classified according to the investment period: they are currently available at 28, 91, 182 and 364 days. The choice depends on the investment horizon of each person and each period offers a different performance.
The nominal value of a CETE is 10 pesos, but they are sold with a discount rate, that is, the investor pays less of those 10 pesos and, at the expiration, receives the full value. The difference between the two represents the performance.
If I invest in CETES, what performance can I get?
According to the Bank of Mexico (Banxico) the current performance of the CETS are:
The cetes at 28 days remained unchanged with respect to the previous auction, so they were at 7.35%.
The instruments 91 days achieved a marginal decrease of 0.03 points, to reach 7.59%.
The 175 -day bonds declined to 7.69%, while the CETES at two years were placed at 8.07%. Despite the descent, this last term is the most attractive because it is superior in more than twice to inflation.
So far from 2025, the performance rates of the CETS to 28, 91 and 182 days have retreated 239, 220 and 228 base points (PB), respectively, according to Monex Financiero Group.
Does it should be invest in Cetes?
The CETES are attractive because although they have had reductions, they represent an alternative to invest if it is taken as a reference to inflation, which is currently 3.57% at annual rate, According to INEGI.
That is, all the current deadlines of the CETs give a performance that doubles the price index, which makes them a valuable option to protect the money from the loss of purchasing power.
How to estimate my real performance in CETES?
In general terms, a way of estimating what you would get a profit when investing in CETS is to subtract the current inflation rate to the performance offered by these bonds, for example.
The 28 -day CETE offers a current yield of 7.35%, while annual inflation is 3.57%.
By removing inflation in the gain of the CETE, it shows a real performance of 3.78%, which would be what you are eliminating the price increase.
Thus, the gain that is more than double the general price rise.
