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Mexican Investment Comparator
Compare investment instruments with after-tax and after-inflation real yields.
Best Return
$947,867
CETES 91d (6.68% real)
Contributed
$650,000
10 years
Best Gain
$297,867
Instruments
5
of 11
Investment Parameters
10 yrs
4.5%
Growth Projection (Real Terms)
All values in real (inflation-adjusted) terms. Gray dashed = contributions only.
Comparison Table
| Instrument | Nominal | Real* | Final Balance | Total Return | Risk |
|---|---|---|---|---|---|
| CETES 91d | 11.20% | 6.68% | $947,867 | $297,867 | low |
| CETES 182d | 11.10% | 6.58% | $942,267 | $292,267 | low |
| CETES 28d | 11.00% | 6.48% | $936,709 | $286,709 | low |
| BONDDIA | 10.90% | 6.38% | $931,192 | $281,192 | low |
| CETES 364d | 10.80% | 6.28% | $925,715 | $275,715 | low |
*Real rate = after-tax nominal minus inflation. For UDIBONOS, rate is already real.
Instruments
Insights
Best: CETES 91d yields $947,867 (6.68% real)
Worst: CETES 364d yields $925,715 — $22,151 less
Inflation erodes 4.50% per year. Any return below 4.50% loses purchasing power.
Tax Impact
Government bonds (CETES, BONDDIA): 0.15% ISR retention on capital gains
Equities: 10% ISR on gains upon sale
SOFIPO: Tax-exempt up to 5 UMAs annual (~$206K)
Real estate: Various regimes, typically ISR on sale
Rates are illustrative, not investment advice.