Due to the fact that we want to orientate the planning of your investments, we have formulated three easy steps through which you are able to design a strategy to help you reach your goals.

1. Define your investment goal: Retirement, purchase of a house, savings, etc, taking into account the characteristics of your profile, such as risk tolerance, your experience in investments and your time horizon. Making use of our questionnaire, an appropriate investment portfolio can be designed.

2. Analyze your financial situation and plan a pattern of savings that you are able to follow, establishing how much you are able to save on a regular basis in order to reach your investment goals, how long it is going to take you to reach your goals, etc.

3. Look for the appropriate funds for your portfolio; for this we are able to assist you by offering the services of one of our specialist financial advisers. You can start by contacting us, get in touch with our call center at 1103 6600 (if dialing from within Mexico City) or 01 800 711 0380 (if dialing from outside Mexico City) or you can make use of our chat room by clicking the icon.

If you have many goals to achieve over the length of your life but do not have the capital to see these goals being realized, you need to start saving. There are funds that allow you to earn higher returns over the long term than others, and depending on your time horizon and liquidity requirements, you are able to start investing with the objective of meeting your next objective.

What do I need to do?

• Draw up the budget with all your monthly expenditure and income, defining how much you are able to invest in order to meet your objectives. Analyze those areas in which you are able to spend less and commit to invest these savings.

• Make use of the calculators that you will find on this website. With these tools, analyze how you are going to arrive at your savings goal, how much you want to save on a monthly basis and over what time frame.

• Try to periodically increase your monthly investment. Remember to reinvest your profits, and your gain will increase exponentially.

If you are considering the purchase of a house, a car, going on the vacation of your dreams, etc, you need to remember that it is very important to have an appropriate investment plan. This plan will make the difference between reaching your goals quickly or slowly.

 What do I need to do?

• Research what is available in the market; if it is a car you are interested in, there are magazines that publish the characteristics of every car against the competition, in addition to details on the price and features. If it is a house or land that you are interested in, real estate companies are able to provide advice.

• Draw up a budget. Make note of all of your personal monthly costs and your income, and in such a way you are able to plan how much you are able to invest on a monthly basis in order to reach your objective. Analyze those areas in which you are able to spend less and commit to invest these savings.

• Evaluate what is required to purchase the asset. Look to see if you have sufficient savings or not, and what financing plans are available to you in the market. Remember that if you already have an initial amount to put down, your monthly payments will be reduced considerably.

Investment Plan

• Consider the time needed to save in order to reach your goal. The time frame will determine how aggressive you need to be in your investment strategy.

• Make use of the calculators that you will find on our website to determine how much you need to invest on a monthly basis in order to arrive at your objective, taking into account the term of the investment.

• With our recommended portfolios we help you to choose those investments that match up with your objectives, your time horizon and your liquidity needs.

It is natural to work hard now so that at some time in the future you will have time to travel, spend more time with your family or on your hobbies. Start planning for your retirement now, because it will make all the difference between doing and not doing the things you want later in life.

What do I need to do?

• Confirm the budgeted amount that you are able to invest in funds for your retirement or establish a budget that will allow you to pay monthly during the defined time period. This will depend on how much time you have until retirement and the amount of money you want to have when you retire.

• Determine the source of income that you will have dedicated to retirement, such as the benefits you will receive when this happens, the employment plan of the company where you work and or social security.

• On the basis of your calculations, you will need to provide the following information to the Actinver virtual adviser: your current age and your retirement age, the amount of money that you are able to pay on a monthly basis to your plan and your full name.

• Our virtual adviser will provide you with a personalized plan and the guidelines necessary to reach your goals.

• Start to save and be disciplined and the future will look after itself.

Based on article 176 of the Income Tax Law, a personal deduction is established in the year in which tax is paid, in the form of a determined amount, converting this benefit into a tax planning tool and a means of savings for retirement.

What do I need to do?

• Determine your taxable base over which the annual calculated tax rate would be calculated and consider the amount that you will be able to deposit in your Actinver Personal Retirement Plan (up to 10% of your accumulated income for the year that cannot exceed five times the minimum salary of your area). Return to apply the rate and calculate the saving on the new tax base after the DEDUCTION of your contribution.

• Contact Actinver for the opening of your Personal Retirement Plan and make your deposit. The capital will be distributed in a conservative portfolio that is exempt from Income Tax and according to the needs and objectives of the plan, with attractive returns over the long term.

• Receive monthly advice from Actinver in addition to a tax confirmation that you will have to annex to your annual declaration.

• On your 65th birthday, or in the case of incapacity, you will have income from your pension that will allow you to enjoy the same standard of living and without having to worry about your retirement.

Based on article 218 of the Income Tax Law, there is a tax incentive to savers that has the effect of reducing the taxable base in the year in which taxes are paid, applying a lower rate on your annual declaration and converting this benefit into a tax planning tool.

What do I need to do?

• Determine you annual tax calculation and contact Actinver to open the contract for this tax incentive plan.

• Make the required deposit in the account and defer the amount deposited from your taxable base on your annual declaration.

• Receive monthly advice from Actinver that will distribute your capital in a conservative portfolio in accordance with the objectives and needs of the plan with attractive returns in the long term.