Investor Profile
What type of investor are you?
We want to offer you the best combination of products that adapt to your characteristics and needs for investment, availability and risk, so we invite you to define your investment profile in order to identify the strategy that is best for you. The Profile questionnaire is designed to determine each customer’s knowledge, experience, situation and financial capability, as well as their objectives, and answering the Profile questionnaire will help us get to know you better. At the extremes of any classification are, on the one hand, investors that don’t want to run any risks, and on the other, those that accept high risk levels in exchange for potentially better returns.
CONSERVATIVE
Qualitative Aspects: Is an investor who seeks to protect their capital and that is only willing to assume very low risks and losses; they may require availability of their resources in the short term for their current expenses.
They have basic financial knowledge, so they tend to invest based on the recommendations of a Financial Institution. It is important that they have adequate diversification to cover these aspects.
Quantitative Aspects: This investor can tolerate annual volatility in returns of 350 basis points; that is, the investment strategy must be configured in such a way that it is unlikely that the investment will, in the term of one year, vary more than 350 basis points above or below the one-year Cetes rate.
MODERATE
Qualitative Aspects: This is an investor that is willing to assume limited risks, with not large losses. They want to have returns slightly higher than the risk-free rate (Cetes) and appreciation of their capital in the medium term. They may need to withdraw a portion of their resources for their current expenses. This profile may be associated with people who are familiar with not very complex financial terms. It is important that they have adequate diversification to cover these aspects.
Quantitative Aspects: This investor can tolerate annual volatility in returns of 500 basis points; that is, the investment strategy must be configured in such a way that it is unlikely that the investment will, in the term of one year, vary more than 500 basis points above or below the one-year Cetes rate.
COMPREHENSIVE
Qualitative Aspects: This is an investor that wants to achieve a notably difference from their investments through increased exposure to risk in the medium and long term. They do not necessarily need the funds invested.
This profile may be associated with people who are familiar with complex financial terms and are capable of making their own investment decisions, while also considering the recommendations of a Financial Institution. When there are general declines in the market, they will maintain their positions and potentially may consider the possibility of increasing them and are willing to accept potential losses in the medium term. They may look for diversification that covers all of these aspects.
Quantitative Aspects: This investor can tolerate annual volatility in returns of 1,000 basis points; that is, the investment strategy must be configured in such a way that it is unlikely that the investment will, in the term of one year, vary more than 1,000 basis points above or below the one-year Cetes rate.
PROFESSIONAL
Qualitative Aspects: This investor seeks maximum profitability from their investments to achieve the greatest possible growth in their capital and they are willing to assume a high risk in the medium and long term. They do not plan to withdraw the investment in the medium term, nor do they need the interest generated.
This investor knows the financial markets well through experience acquired in the handling of different financial instruments and they know the risks involved and are capable of making their own investment decisions. This investor is willing to sacrifice the diversification of their investment.
Quantitative Aspects: This investor can tolerate annual volatility in returns of 1,500 basis points; that is, the investment strategy must be configured in such a way that it is unlikely that the investment will, in the term of one year, vary more than 1,500 basis points above or below the one-year Cetes rate.
