If you currently have an extra amount of money, the Collective Investment Funds (CIF) They are one of the options you have to protect your savings against high inflation, which reached 13.25 percent annually in January.
It is a mechanism managed by fiduciaries and stock brokers through which the resources of several people are invested in a portfolio of assets.
(You can also read: Which banks offer the most profitable CDT)
There are two types: financial such as shares, corporate bonds, CDTs and TES, among others, and non-financial such as real estate, content rights, etc.
The FIC They invest in securities issued by companies of different economics, which allows investors to apply the principle of diversification.
One of its benefits is that people can join for a low amount, from 30,000 pesos, in some cases.
Better returns
As the resources are managed collectively, the economic results obtained are distributed proportionally among all the investors. Currently, there are various rates of return depending on the risk profile.
Here we show you the highest monthly, semi-annual and annual returns. However, it must be taken into account that this information provided by LVA Indices has a cut-off date of February 13 and that it is not a commitment for the FICs that are agreed today.
Within the liquidity peso fixed income funds, the ones with the highest monthly rate are the FIC Sura fixed income Colombia- Series A, with a yield of 20.25 percent, followed by the FIC Occidenta- SMEs and individuals, with 20 .21 percent; and the FIC Valor Plus I – TP1, of 19.89 percent.
If, for example, we look at international fixed income funds, there is the Emerging Markets Fixed Income Alliance – Type 1, with a monthly return of 44.0 percent.
In long-term peso fixed income funds, the Emerging Markets Fixed Income Alliance Fund – Type 1 is offering a rate of 44 percent monthly and 30.2 percent semi-annual.
The FICs invest in securities issued by companies from different economies, which allows investors to apply the principle of diversification.
Fixed Income Funds Liquidity Pesos (February 13)
ADMINISTRATOR NAME FIC MONTHLY (%) SEMI-ANNUAL (%) ANNUAL (%)
1 Fiduciaria Sura FIC SURA RENTA FIJA COLOMBIA – Series A 20.3 10.1 3.4
2 Fiduoccidente FIC OCCIRENTA – SMEs AND INDIVIDUALS 20.2 12.5 8.4
3 Fiduciaira Corficolombiana FIC Valor Plus I – TP1 19.9 11.7 7.4
National Fixed Income Funds Public Entities (February 13)
ADMINISTRATOR NAME FIC MONTHLY (%) SEMI-ANNUAL (%) ANNUAL (%)
1. Fiducoldex FIC Fiducoldex – SC Trusts 21.5 13.5 9.3
2. Itaú Asset Management Itaú Money Market. – Type A 21.0 13.0 8.6
3. 3 Fiduciaira Corficolombiana Confianza Plus – Unique 20.79 13.0 8.8
International Fixed Income Fund (February 13)
ADMINISTRATOR NAME FIC MONTHLY (%) SEMI-ANNUAL (%) ANNUAL (%)
1. Alianza Fiduciari EMERGING MARKETS FIXED INCOME ALLIANCE – Type I 44 30 10
2. Fiduciary Alliance HIGH YIELD FIXED INCOME FUND – Type I 35.0 32.6 17.6
3. BTG Pactual International Fixed Income – Class A 31.8 34.7 14.9