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Cetes vs P2P, what is best for you to invest in?


There are many ways in which you can invest your money: from emerging projects, startups or kickstarters or in many others such as currencies, stocks, gold, cryptocurrencies, P2P lending, Cetes, etc.

If at this moment you are thinking of putting part of your savings to work, you should consider all the options of financial investments, compare and choose the one that suits you best. Well, each one has different characteristics, different returns and ways of handling money.

Sometimes it may seem like a complicated topic, but once you choose one, the picture becomes simpler and you can become an expert.

Today we will talk about two investment options that although they are very different, in both you can obtain returns. These are the Cetes and credits between people that are made through online platforms or also called: P2P (peer to peer) lending.

What are Cetes?

The Cetes (or Treasury Certificates) are something similar to a promissory note given by the government through the Ministry of Finance and Public Credit (SHCP) to the people who buy them. These are obtained at a discount and when it comes time to withdraw them, it is done with a nominal value of 10 pesos. The difference in the discount is the yield received (as opposed to when you receive interest with a set percentage).

It will also depend on how many days you invest. In this case there are different investment terms and the longer the term, the greater the profit. According to data from the Bank of Mexico, 28-day cetes pay 7.71% per year; to 91 days, 8.19%; 182 days, 8.16%; to 364 days, 8.49% per year.

The advantage of this investment model is that if you are new to this and want to try, it is a safe option, since you can invest from 100 MXN. They are also placed by the Bank of Mexico and issued by the government as a form of financing for 70 years. So the guarantee of these, are taxes and other methods of collection. Bottom line: your money comes back because it comes back.

Main characteristics of the Cetes:

  • Low-risk investments
  • Low yields, but above inflation
    (money retains its purchasing power)
  • Minimum investment $100
  • They are issued by the government and placed by the Bank of Mexico

P2P, the future of online credits

On the other hand, P2P lending, loans between people or loans between individuals, are a financing mechanism that transacts only between people. So far it sounds very common, however the difference lies in that they are platforms (technological financial) that manage all their movements, records, transactions, etc., through the internet. Avoiding many operating expenses.

The rate…

La Tasa, for example, is an online credit and investment platform that works under the same model (P2P lending). It connects with people who are looking for a loan with investors and in this way, with the interest that the borrowers pay, the return of the investor is generated (this will depend on the interest rates returned by the assigned credits).

This platform has several differentiators. One of them is that it manages a risk diversification model. So when you invest, that money does not go to a single creditor, but to many of them. It is as if all investors allied to gather the credit money of the person requesting it. And in the end, this person thanks them by paying the interest on the loan borrowed.

In La Tasa we evaluate profiles with more than 100 variables to place credits, among them is the management of their accounts and credit history that say if the borrower has the economic capacity to request a loan and above all, to pay it. Depending on this, the interest rate is established because if they have a better record, the lower their rate will be. In this way, only profiles that have good financial health will have their credit.

The historical annual average yield of La Tasa is 16.9% (data updated to September 26). To take a step forward on this platform, it is recommended to invest 10,000 MXN in order to diversify the money among many borrowers and reduce the risk. In addition, the yield will generate interest and the interest will generate returns. That is to say: there is interest over interest, because these are automatically reinvested and the chain of profits never ends.

Main features of La Tasa:

  • Risk diversification
  • Thorough analysis of credit profiles
  • High yields (16.9%)
  • Minimum suggested investment 10,000 MXN
  • Direct debit of payments and investments

To invest or not to invest?

So which of these two investment models would you leave your money in? It’s very simple: if it is the first time you do it and you want to start with a little, you can invest in Cetes. So your path in the world of investments will have a first step and you will know how it works and then release your money a little more.

Now that if you have already traveled in these issues, you are looking for a higher return, and you want to allocate larger amounts of money to the investment, the ideal would be to bet on P2P lending platforms such as La Tasa. You will have higher returns and clarity of who you are investing in, in addition to a history that is summarized in an investor panel to which you have access once you decide to be an active user of investments.

The options to invest can be many and your reasons too, just remember to analyze all the information of each model and know well the platform in which you will make it so that you can make the decision that best suits you and your finances.

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