January was a very good month in terms of investments. These are the ideal Mutual Investment Funds (FCI) to earn from the rise in bonds and stocks.
By Christian A. Butler
02/07/2023 – 07:00 a.m.
January was a very good month in terms of investments in both stocks and bonds and the common investment funds (FCI) They reflected it that way.
We have already talked from this column about the importance and benefits of invest in FCIit can be done with little money, portfolio diversification, professional management of my investments and guaranteed liquidity, among others.
Last month we told what had been the best investment funds, according to the category, from the year 2022; Today we are going to see how they started in the first month of the year 2023.
The first type of fund that we are going to analyze is the “Money market in pesos”, is the one with the lowest risk, with immediate liquidity and invests mainly in assets such as fixed terms and remunerated accounts. In the month of January the average yield of these funds was 5.55%. As you can see, its performance is similar to that of a fixed term but with the advantage of having immediate liquidity so that you can have the money at any time.
The best Investment Mutual Funds in this 2023
Of the 118 active funds In this category, where $3.81 billion is managed, the 3 best of the month were:
The funds have the obligation to report their portfoliosThus, we can see that as of January 20, the composition of the investments of the “Allaria Ahorro C” fund was as follows:
The next type of fund we will look at is “Fixed income in pesos”, here the risk already increases given that the bonds have volatility in their price. In January, fixed income funds (including fixed income in pesos and fixed income in dollars) managed $2.4 trillion.
The average return for these funds was 6.16% but the top 3 funds for the month were well above that average:
Let us now see the composition of the portfolio as of January 20 of the fund “Optium FAE” that obtained the second place in the returns of the month:
The FCIs “Mixed income pesos“They can invest in both fixed-income and variable-income assets, they manage $481,701 million and the average return for the month was 8.26%. The best 3 funds in this category were:
The bottom “First Mixed Income VII class B” that obtained a 23.45% yield in January had the following portfolio on the 20th:
Finally we have the funds of “equities” which with a managed equity of $159,007 million had an average return of 22.35% and the best 3 funds were:
As of January 20, the “Superfund A-Shares” had the following assets in its portfolio:
It is not the same to invest in any FCI
We must keep in mind that “Past performance does not guarantee future performance”, but clearly we can see that it is not the same to invest in any fund even if it is in the same category.
The funds are not like fixed terms, they have a higher risk but that goes hand in hand with the expected return. January was a very good monthIn fact, we are coming from 6 very positive months for Argentine assets, that does not mean that they will be repeated in the coming months. That is why it is important to diversify investments and consult with a professional to find the best way to invest according to the investor profile of each one.
All banks have a family of investment fundsTaking into account the average returns that each type of fund has given, we can compare with those offered by our bank.
The FCIs are one of the main savings instruments In the world it is very important for savers/investors to incorporate it into their menu of options when choosing where to channel their money, always with the logical safeguards given the risks that are run but with a longer-term view and with the intention to improve the average return on our money.
A fixed term yielded 6.25%, the dollar between 6%/10%, the best money market fund 5.7%, the fixed income 27.47%, the mixed income 23.45% and the variable income 27.16%, how much did your investments yield?
