Diversifying investments, protecting capital in dollars, and leveraging technology to optimize processes and save costs are key to efficient financial management.
Amid the recent approvals of the seventh withdrawal of funds from the Pension Fund Administrators (AFP) and the availability of Compensation for Time of Service (CTS), many Peruvians find themselves with the opportunity to improve their financial health and grow his heritage.
More than 7 million members will be able to withdraw up to 4 UIT (S/20,600) and workers will be able to access 100% of their CTS until December 31, 2024. This additional income not only improves the financial health of households, but also represents a significant investment opportunity.
“Taking advantage of AFP and CTS funds not only allows you to increase savings, but also makes it easier to achieve financial independence. We must eliminate traditional barriers and allow anyone in Latin America to invest in the same financial instruments as large global investors,” said Dusko Kelez, Co-founder and CEO of Hapi.
For his part, Alexander Hernández Fuentes, financial expert, emphasizes the importance of investing AFP and CTS funds with caution: “It is essential that Peruvians invest their funds in accordance with their financial objectives and always verify the solidity of the platforms they used to avoid fraud. A well-planned investment can be the key to achieving financial independence.”
Five digital platforms to invest the AFP and CTS
Hapi: Global Investments Within Everyone’s Reach
- Investment without minimums. It allows users to start investing with very low amounts. You can buy fractions of shares for as little as US$5, making it easy to access investment even with small amounts of money.
- Preservation of capital in dollars: Protection against inflation and volatility of local currencies.
- Regulation and security. Registered and regulated in the USA, guaranteeing the security of users’ accounts and money.
Tyba by Credicorp Capital: Accessible Investment Funds
- Minimum accessible amount: Investment from US$1.
- Management and monitoring: Mobile and web application to manage investments at any time.
- Savings Optimization: Long-Term Wealth Growth.
eToro: Social Trading and Copy Trading
- It allows you to interact with other traders and automatically copy their strategies.
- Access to successful traders: Opportunity to follow and replicate operations of experienced traders.
- Financial education: Information and strategies shared by a global community.
Pepperstone: Forex and High Speed Trading
- Low Spreads: From 0 pips on major currency pairs. This means that the difference between the buy price and the sell price is very small, which reduces transaction costs.
- No minimum deposit: Allows you to start investing without the need for a minimum amount, offering flexibility for investors of all levels.
- High execution speed: Ideal for traders looking to take advantage of rapid market movements, as transactions are executed very quickly.
Global66: Profitability in dollars
- Dollar-paid account: Profitability rate of up to 6% EA for individuals.
- Flexibility and access: No management fees, opening charges or permanence clauses; allows you to withdraw money at any time without restrictions.
“Diversifying investments, protecting capital in dollars, and taking advantage of technology to optimize processes and save costs are key to efficient financial management. With these platforms, Peruvians have the opportunity to transform their funds into a tool for wealth growth and long-term financial stability,” said Kelez.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
