Moderate profiles also make more profitable investments

Moderate profiles also make more profitable investments

If you are someone who prefers to keep your assets under control and with minimal worries, choose these investment instruments.

If you are part of the statistics that does not want to 'risk' their savings and prefers to have them 'under the bed', these investment alternatives are for you. Creating a portfolio with profitable investments is not a limited option for the most risky. Also an investor with a moderate profile can achieve it, you just have to learn to better choose the assets that will make up your portfolio.

Today we know that only one in 100 europeans says that they have chosen to invest in investment funds or in the stock market, according to data from the 2015 National Survey on Financial Inclusion, carried out by the National Banking and Securities Commission (most recent exercise). Most people hesitate to enter this world for fear of losing or because they think that they should invest in very sophisticated instruments with a very high risk.

Remember that your profile is based on several factors, including your investment horizon and risk tolerance. Once you have determined your profile, you will know the combination of assets required to achieve your goals within the chosen time frame. The four elements that will determine which assets will make up your portfolio are: investment horizon, expected return, liquidity and perception of risk.

If after analyzing these four elements you defined –– together with your financial advisor–– that your investment profile is MODERATE, then you can create a portfolio with instruments that give you the PEACE OF MIND you need. Among your main alternatives are:

Investment funds

In essence, they are a 'basket' of different assets assembled by a bank, brokerage house, or other entity, which is built to be an investment vehicle.

The fund has one or more administrators or people who are dedicated to choosing those titles. There are variable income (stocks), fixed income (bonds) and mixed funds, although there can be many other types of funds, for example, coins, metals, futures, etc.

Moderate profiles also make more profitable investments


An ETF is a listed index fund. This makes it a hybrid between a mutual fund and a stock. Formally, it is an investment fund and buying shares of an ETF involves buying a basket of securities, just like a traditional investment fund, but it is listed on a stock exchange just like a share.

ETFs are quoted throughout the entire trading session and can be purchased any time the market is open, just like stocks. This allows, among other things, to know exactly the price at which the participation will be acquired at the time of making the purchase order.

Government debt

Federal, state, and local governments lend funds to raise money for a variety of purposes. Most of this money is loaned by issuing government bonds of various types. Government bonds pay a fixed rate and are issued for periods of time (maturities) that range from a few weeks to 30 years (or even longer).


The Infrastructure and Real Estate Trusts (Fibras) are relatively new instruments that are listed on the Mexican Stock Exchange (BMV) and that allow financing for the purchase or construction of real estate.

Fibras are managed for leasing, with the right to receive income from the rental of assets, making it a valuable element to form investment portfolios.