💫 Summary
This video provides a complete guide on how to invest in CETES, including what CETES are, who should invest in them, and how to invest through CETES Direct. It also covers the taxes that need to be paid on CETES investments.
✨ Highlights📊 Transcript
This section introduces the concept of CETES as a popular investment tool in Mexico.
CETES are treasury certificates issued by the Federal Government in Mexico.
They are popular due to their low risk and the ability to invest from only 100 pesos.
CETES offer an annual return of up to 11% at the time of recording.
The video will cover what CETES are, how they pay returns, who should invest in them, and how to invest through
Investing in CETES is a safe option for short-term savings of less than two years.
CETES are issued by the Federal Government in Mexico, making it the safest investment in the country.
Investing in CETES helps generate returns and protect against inflation.
CETES are a good option for first-time investors in the short term.
It is not advisable to wait for higher yields in CETES because we don't know when rates will stop rising.
The yield of CETES has been increasing rapidly, with rates going from 4.3% in September 2021 to almost 11% currently.
It is better to invest for a longer term at a slightly lower rate than for a shorter term at a slightly higher rate.
Waiting for higher yields is not recommended as we don't know when rates will stop rising.
This section explains how to invest in CETES and the process of depositing money into a CETES Direct account.
To invest in CETES, you need to associate your bank account with your CETES Direct account.
There is a deposit limit of 3000 udis (around 23 thousand pesos) per month, but this limit can be easily eliminated by uploading your signature.
After setting up your account, you can go to the investing section and choose the type of investment you want, such as CETES or other bonds.
To make a purchase, you can use the funds available in your CETES account or make a transfer from your associated bank account.
This section explains how to invest in CETES using recurring savings and how to withdraw the money.
Recurring savings can be activated to save a specific amount at regular intervals.
The money saved is automatically charged to the associated bank account.
The option to reinvest at maturity is available.
The ideal scenario is to have the money available immediately in a daily liquidity investment fund called bondía.
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00:24the description. Cetes are a
00:26tremendously popular investment tool
00:27in Mexico, not only because
00:29practically anyone can
00:31invest in them. because of its low risk
00:32but because it also allows us to invest
00:34from only 100 pesos and what is
00:36more at the time of recording This video
00:38pays up to 11% annual return in
00:41this complete guide we are going to talk about
00:42everything we need to know about cetes
00:44to decide If we should also
00:46invest in them or not, let's
00:48start by talking about what cetes are and
00:50how they pay returns. We'll
00:51also talk about who those people are
00:52who should invest in cetes and whether we
00:55should wait for them to pay a little
00:57more return. That 11% that is
00:59already there at this moment, we are also going to see a
01:01complete tutorial on How to invest
01:02through this and its
01:04application as well as the taxes that
01:07must be paid on this investment
01:13Hello, I am Eduardo Rosas, I am I have a degree
01:15in finance and banking and on that channel I talk
01:17about retirement investments, generation of
01:20sources of income and various other
01:21personal finance topics in general
01:23that help you achieve
01:25financial freedom but above all to live the
01:27life you want. So if it is your first
01:30time here know how to subscribe to
01:33this So we are going to talk about everything we
01:34should know about cetes to
01:36decide if it is a good
01:38investment option for us or not and the
01:40first thing we should talk about is
01:41what cetes are And how they pay us
01:43returns, the cetes are
01:45treasury certificates issued by the
01:47Federal Government in Mexico that are issued
01:49precisely so that the government funds
01:51its operations. It borrows money from
01:54investors who could be you or me and
01:56the government uses that money to
01:57fund its projects. Each of the
02:00cetes is worth 10 pesos but this is sold
02:02at a discount price, that is, if we are going to
02:05buy cetes for one year and that
02:07set is going to pay us 10% of performance,
02:10what we have to do is consider
02:12that the 10 pesos that of the set already
02:14include that yield, so to
02:16know how much money we are going to have to
02:18buy that set for, we have to divide 10
02:20by 1.1, which is 110% 100 plus the 10%
02:25yield that gives us 9 pesos and 9
02:28cents. So today in this
02:31example We could buy a cete for 9
02:33pesos and 9 cents and within a year we
02:35would receive the full 10 pesos that
02:38the ct is worth. This is how it generates
02:40returns, however, we must
02:42also consider that the cetes are issued
02:43at different terms, there are 28 Days to
02:46three months six months one year and
02:49recently also two years but
02:51always the rate of return they pay
02:54is expressed annually. That
02:57means that if I buy a 28-day cete
03:00that says it will pay me 10%
03:02annual return. That 10% is annual, not
03:06what you are going to pay me 28 days later, what I
03:09would have to do. So to know
03:10how much you are going to pay me is to divide that 10
03:13percent annually, as it is always expressed, by
03:16365 days and multiply it by the
03:1928 days, which is the shorter term of
03:21cetes but again it also comes out 3 6 12
03:2324 months for her to know what return
03:25and would obtain at the end of this period in
03:28this example of 28 day cetes that
03:30pay 10% she would obtain a point 83% at the
03:34end of those 28 Days That's right So
03:37how the cetes generate returns and a
03:39little about What the cetes are, a
03:41very important thing to consider is that as
03:43I mentioned These cetes are issued by
03:46the Federal Government So it is the
03:47Federal Government in Mexico that supports
03:49this loan that we are giving you to the
03:53Federal Government, which means that
03:55this type of investment is the safest
03:56that we can make within Mexico. An
03:59immersion in bank walls, for
04:01example, has more risk than only
04:03cetes. Of course, an investment
04:06lending money to people has
04:08much more risk than lend to a
04:09bank or lend to the government with this
04:12information now we wanted to answer
04:14the next question of this
04:16complete guide which is Who are those
04:18people who should invest in them
04:20in these cetes and essentially there are two
04:23types of people or two situations in
04:26which People could decide
04:27whether to invest in cetes or not. The first of
04:31them is when we are saving in the
04:32short term of less than two years. Investing
04:36our money that is being saved
04:37for less than two years in cetes is a
04:40great option because we are not only
04:41generating returns. that
04:43perhaps helps us face
04:45inflation, we know that money
04:47loses value as time goes by,
04:48but we are also doing it in
04:51a tremendously safe instrument, it
04:54would not be the same in the short term
04:55to invest in actions that we do not know how they are
04:57going to behave. to invest in cetes
05:00in the short term we know that my money
05:02in cetes is going to continue there and grow
05:04a little instead. If I were to invest in
05:06stocks what if in a month
05:08they went down and now I have less money and I
05:10no longer have enough money to
05:11face my expenses then in the
05:14short term cetes It is an excellent
05:16option the other scenario in which it is It is
05:18an excellent option is when we are
05:20first-time investors
05:21regardless of time, perhaps we
05:23can even invest several decades
05:25But we are first-timers if we are afraid
05:27of what may happen If we invest in real
05:29estate or stocks or I am just
05:32learning about the options
05:34I am just forming the habit but I want to
05:36start now It is an excellent option
05:38to start It can help me start
05:40creating the habit of investing every
05:42fortnight or every month I feel like I am already
05:44By investing, I already consider myself an
05:46investor because my money is there
05:47growing at the same time that
05:49I am not taking much risk, so it
05:50can give me peace of mind and little by little I
05:53start taking more and more risk,
05:55perhaps in what I create my
05:57investment plan that I already have. Consider other things, you
05:59can start with cetes and start
06:01making my money grow and not
06:03remain static. Be careful that when we are
06:06investing in the long term, cetes
06:08is no longer an excellent option, rather
06:10just what we should look for is to
06:12gradually add risk Why Because
06:14the cetes, being the safest
06:16investment option within Mexico, also in the
06:18long term will tend to be the option with the
06:20least growth when it comes
06:23to investments, the risk goes hand in
06:25hand with the potential growth, the
06:27greater the risk we take. The greater the potential
06:30growth, if it is the least risk
06:32we can take, it will be the least
06:34growth we can generate. I am going to
06:37leave you here on the cards a video that
06:38I made a couple of weeks ago on how
06:40you can create that
06:42investment plan. complete that is already beginning to
06:43contemplate other things such as
06:45real estate or stocks but in the meantime
06:46cetes is an excellent option to
06:48start creating that habit of investing and
06:51a question that I have come across
06:52many times in the comments of the
06:53videos. Even on Twitter it is If not, it would be
06:56better for me to wait for better
06:58yields after all the
07:00yield that cetes pays has been
07:01rising quite a bit in recent months, it
07:03stops showing you, for example, here on a
07:06page that I myself believe is called as precisely the The
07:12yield of the cetes has been
07:13rising quite rapidly.
07:15Only in September 2021 they paid
07:194.3%, today, as I said, they already pay almost 11%,
07:23this is for 28 days. There are options with longer
07:25terms that pay even more, so we
07:27might think, "I don't care." It is better to
07:30wait for them to pay more and more. If
07:32rates have been rising,
07:33it is a quite valid and
07:35quite rational question, but the answer is
07:37no to begin with because we do not know if
07:40rates are going to continue behaving like this. There
07:42will come a time when that
07:43they will no longer continue to rise and we do not know
07:45when that moment will arrive but more
07:47importantly, it is still better, for example,
07:49to invest three months at 10%
07:53annual return than only two months at 10.5,
07:57imagine that at this moment the investors are
07:59paying 10%. cetes for 3 months but
08:02you think they are going to go up so you
08:04wait for the next month and it actually
08:06goes up and now they are going to pay you 10.5% but
08:09now you are only going to invest two months
08:11instead of three there would be a better
08:13return with 10% for 3 months that
08:1610.5 only for two months, then the
08:19rate that Cetes pays at this moment or
08:22the potential rate that it could pay in the
08:24future or the trend of rates that we
08:26could find again in should not influence
08:31when we should invest whether in cetes or not
08:34the only thing we have to consider is
08:38that we can control the rate we
08:40cannot control it what we
08:41can control is knowing how much time
08:43we want to save and when we have the
08:46money if I have the money today and
08:49I will need it within of one year Well
08:51today I invest it at one year perhaps
08:53buying precisely one-year cetes
08:55start trying to predict how
08:57the rates will move in the future It
08:58simply takes away our time and
09:01possibly even takes away
09:03returns from us up to this moment So
09:05we already answered that they are the cetes and As
09:07for the returns, who are the
09:08people who should invest in them and
09:10whether or not we should wait for better
09:12returns in the future, what follows is to
09:14see how we can invest in these
09:16cetes and the best way to invest in
09:18cetes within Mexico in fact. It is
09:20through cetes, note that
09:24banks or brokerage houses could also
09:26offer us cetes, but many times those
09:28banks or brokerage houses are going to
09:31charge us commissions, so do it
09:34directly from that direct, it can
09:36save us those commissions and they are
09:38exactly the same. tool to be
09:40able to invest in cetes the first thing
09:41we will have to do is come to do
09:43this and open our account
09:46we will have Of course
09:48enter basic information about
09:50us name email a
09:52password followed by some
09:54personal and very important information we will We are going
10:00to associate that bank account with
10:01our direct headquarters account and
10:03only from that bank account will
10:05we be able to transfer to our
10:07cetes account. We will also see in a
10:09minute how we can start
10:10invest And how can we withdraw
10:12money from a cetes direct account
10:14? The first thing you should keep in
10:15mind with a new cetes
10:18direct account is that there is a limit of 3000
10:19udis currently around 23 thousand pesos
10:21of how much we can deposit at month that
10:25limit can be easily eliminated by
10:26uploading our signature but if we have to
10:29take it into account in any way
10:32once we have the account ready we can
10:34go to the investing section to
10:36make our first investments note
10:39that cetes is not the only option we have
10:40bonds that They are similar to cetes but with
10:43longer terms up to 30 years, for
10:45example udi bonus, similar fertilizers but
10:47protected from inflation, some
10:50iPad bonds and even an investment fund
10:52are not the topic of this video but
10:55we can just select cetes and again
10:56find them at different terms we
10:59can also find the yield that they are
11:01going to pay us remembering that this
11:03yield is in annualized terms
11:05any option here that we choose we
11:07will have to enter how much
11:10money we want to buy and we have two
11:13options to make the purchase one
11:16through bondía which is in In the event that
11:18we already have money available in the
11:20cetes account and the one that we most
11:22likely use to send
11:24resources, the sending of resources
11:25will precisely require that we
11:27make a transfer through
11:29Space from the bank account that
11:31remembers we will have already associated with our
11:33direct cetes account towards well
11:35our direct account in fact on the
11:38left side you will be able to find the
11:40key to your direct cetes account which
11:43is a national financial account
11:45let's say then that I want to invest
11:47100 pesos I would have to then as it
11:50says here in this example before
11:53January 31 and before 4:30 pm transfer
11:55that 100 pesos from my bank account
11:58already associated with this account which is my
12:01cetes direct account something very
12:04important here we have the
12:06option to reinvest at maturity That's what
12:08you want to say that when the term
12:10of these cetes expires, that is, 28 days
12:12after the purchase date, that money
12:15plus the return is reinvested
12:18in the same term, cetes of 28 days or if
12:22I am buying cetes at another term. Well, at
12:23that term, if we We say that
12:26we want to reinvest then we are
12:28taking advantage of compound interest, that
12:30eighth wonder of the world that makes
12:32our money grow faster and
12:33faster because the next time it
12:35is not only the original 100 pesos
12:37that are invested but also the
12:39returns that I have generated. Of course, if I
12:42I need that money within a month.
12:44Well, I would say that I do not want to
12:45reinvest and I can easily withdraw it
12:48to my bank account as we will see in
12:50a second before, however, to see how to
12:52withdraw money, which is obviously from
12:54the withdrawal option, I also want to present
12:56this to you. recurring savings option
12:59that allows us to automate our
13:01savings and even shows us some
13:03objectives that we could have, for
13:05example, putting together an emergency fund,
13:07all of these work practically
13:09identically, it is just establishing
13:11a specific challenge but let's see
13:14how we would do it with
13:15recurring savings normal of cetes what
13:17we can do here is activate this
13:20recurring savings say How often
13:22we want to save for example every
13:24fortnight and tell it how much we want to
13:26save for example a thousand pesos also
13:28decide if we want to reinvest at
13:31maturity or not but what is going to
13:32happen in this case is That
13:34money that I am
13:36saying will automatically be charged to my
13:38associated bank account. If I have a goal,
13:40for example, to raise for my
13:42emergency fund or to raise for a purchase, I can
13:46automate everything from here and no longer even
13:48have to remember. This
13:51is a phenomenal tool But
13:53any of these two options that we
13:54have used to invest
13:56eventually we will surely want to
13:58withdraw our money so
14:00here we will see the complete list of
14:02instruments that we have
14:04We will simply have to decide Which are the
14:06cetes that we want to sell Now here is
14:08commonly the best option is that
14:11our money is already in something
14:13called bondía, which is a
14:15daily liquidity investment fund. Where does
14:18the money that is no longer being
14:20reinvested go? For example, if I invested
14:22in 28-day cetes and I said no It would be
14:24reinvested at maturity because
14:25I need that money. Well, there is
14:27maturity, we no longer buy cetes but rather it
14:29goes to bondía and from bondía,
14:32from here I can withdraw it
14:33immediately. That is the ideal scenario
14:36in which the time that I had predefined has already passed.
14:38And So I have the money
14:40available immediately but it
14:43could also be that I don't know that
14:46an unexpected expense arose and I need to withdraw
14:48early. We can do it
14:50but we would no longer receive the return.
14:52For example, I have bought cetes for
14:55three months and a month later I need I
14:58can sell that money from the
15:01withdraw option, it will take a few days to
15:03be available but I can do it,
15:06however I will no longer have any return,
15:09not even that month, so that is why I
15:11said that this is not ideal because
15:13my money is no longer available. it grew and ideally
15:15I wait for the deadline to expire, I received my
15:18performance, I see it on a good day and I
15:21will withdraw it immediately. By the
15:23way, I also have it available from
15:25the application that we can download
15:27on both our iPhones and our
15:29Androids, from here we have both the
15:31option Login How to open
15:32our account directly from the
15:34application if we already had the account
15:36created from the computer Well here we
15:38simply log in and
15:40at the bottom we have precisely the
15:42same options that we just saw here
15:44the option to invest where again we
15:46have the same options We have
15:48practically the same interface
15:51we decide how much we want to invest If
15:53we want to reschedule if it is sending
15:55resources or if it is a good day in the
15:57upper right we have back to the
16:00main page we have the
16:02recurring savings we also have some
16:04challenges emergency fund the
16:06recurring savings normal that we can activate
16:08as well as the option to withdraw our
16:11resources personally without the application I
16:13don't use it much
16:15because it has several problems in my case it
16:18takes a long time to load suddenly it crashes I
16:20don't know if it's just me but I
16:23feel much more comfortable anyway
16:25from the computer, in any case,
16:26the application is there available in case
16:28at some point we have to do it and we do
16:30n't have the computer at hand,
16:32anyway, this is how we can
16:34invest directly from,
16:37pardon the redundancy, finally what we
16:39should talk about is also the
16:41taxes that we must pay because
16:43of course we must pay and Sr
16:46on the interest that this investment
16:49generates for us as well as we must pay ISR
16:51for everything Other income that we
16:53generate now from our investment in
16:56direct cetes as well as from investments in
16:58other instruments that generate interest
17:00within Mexico, a
17:03withholding for
17:06income taxes is already generated. This withholding varies year
17:09by year in 2022 it was 0.08 percent
17:12in 2023 it rose to 0.15%
17:15on our capital the money
17:18we have in the account in In this
17:20case, it is direct. That means that
17:23if we have 10 thousand pesos, within this
17:25direct, we are subject to a withholding of 15
17:28pesos for ISR. However,
17:30those 15 pesos are not the ISR that we must
17:34pay, they are simply a withholding of
17:37the ISR that we must pay. to pay is calculated
17:40until we make the annual declaration for
17:42the following year for the interest that
17:45we generate in 2023 it is calculated until
17:48we make the declaration around April
17:502024 now in April 2023 we will make the
17:54declaration of the interest that
17:55we generate in 2022 now very important
17:58The taxes that we must pay are
18:01on the real return that we have
18:04generated, that is, the return
18:07we generated less inflation last year
18:092022, the cetes generated
18:12less than inflation most of the time,
18:14which means that for
18:16the majority of investors The
18:18investment in cetes did not grow beyond
18:20inflation, perhaps it grew 7% when
18:23inflation was 7.82 percent. That
18:26means that even though the
18:27money grew, it did not grow as much as
18:30inflation. So there is no
18:33real return because inflation was higher.
18:35So it is not paid and Mr. everything that was
18:39retained again in 2022 that 0.08
18:42percent has to be returned to the
18:44investor In its annual statement
18:47like this in 2023 perhaps we will generate more than
18:50inflation if we generate more than
18:52inflation great about That difference that
18:54we have generated above
18:56inflation we must pay ISR if what they
18:59withheld from us is more than what we must
19:01pay they must return the
19:03difference to us if it is less than what we must
19:06pay we have to pay the difference
19:08but then that withholding is not due
19:11to always subtract the returns as
19:13we can sometimes confuse it It is
19:15simply provisional in that
19:19next year we can
19:20really calculate How much we should
19:23pay with all this information about
19:25cetes I think you already have everything you
19:27need to decide if you should
19:29invest in them or not and once you
19:31decide and do it, how you
19:33should do it and even the taxes that you
19:35should eventually pay or how you
19:37should pay them, I hope, as always,
19:40that this video has been useful to you
19:42and I'll see you next time.
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FAQs about This YouTube Video

1. What are CETES and why should I invest in them?

CETES are Mexican government-issued securities that provide a safe and reliable investment option. They are an attractive investment for individuals looking for low-risk options with competitive returns. Investing in CETES can help diversify your investment portfolio and provide a stable source of income.

2. How can I invest in CETES through CETES Direct?

Investing in CETES through CETES Direct is a simple and convenient process. You can open an account with a brokerage firm, bank, or financial institution, and then purchase CETES directly through their platform. This allows you to easily manage your investments and access the benefits of CETES without the need for a middleman.

3. Who is eligible to invest in CETES?

CETES are available to both individual and institutional investors, making them an accessible investment option for a wide range of people. Whether you are a first-time investor or an experienced one, CETES offer a secure and flexible investment opportunity that can align with your financial goals and risk tolerance.

4. What are the tax implications of investing in CETES?

Investing in CETES entails certain tax considerations, such as income tax and capital gains tax. These taxes are applicable based on the type of income generated from CETES investments. Understanding the tax implications can help you make informed decisions and optimize the returns on your investments.

5. What are the advantages of investing in CETES over other investment options?

Investing in CETES offers several advantages, including low risk, competitive returns, and liquidity. Unlike some other investment options, CETES provide stability and security, making them an appealing choice for investors seeking a reliable and steady income stream. Additionally, CETES can complement other investment strategies and enhance the overall diversification of your portfolio.

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The video discusses rumors about influencer Pamela Reif being in a relationship and hints at her supposed boyfriend, but no confirmation has been made. The video also touches on her past struggles, including running away from home due to her family's disapproval of her being a lesbian. Pamela Reif also promotes her new song in the video.

Surround yourself with positive ideas and believe in your own dreams rather than relying on others' doubts; take responsibility and realize the power to change your life lies within you; commit fully to your goals and embrace the challenge of becoming the best version of yourself.