Frequently Asked Questions

Finletic designs each portfolio according to the needs and personal circumstances of each client. This is 100% personalized, so it is difficult to provide a specific answer as regards potential profit, without knowing your goals.

Each of your goals will have a different set of asset classes according to your investor profile and the period defined. But in most cases, you will have a combination of international money market, fixed income and variable income.

Long-term asset classes tend to have a historic average measured according to the inflation rates of each region, because inflation is very volatile and is not homogenous from one period to another in order to compare nominal results. However, in short time periods, there are great deviations compared to this average. These deviations are less defined in money market funds, slightly more so in fixed income assets and substantially more so in the variable income class.

In the very long term, the returns on the money market funds are linked to the inflation of the period without generating real financial profit. This means that, in exchange for a slight variation in annual returns, you will have a reduced yield that will not beat inflation over lengthy periods.

Fixed income returns have been inflation plus 1.5 – 2% annually, but with greater volatility than the money market funds, registering negative returns on multiple occasions.

Historically, the returns for variable income in the very long term have been inflation plus 5% annually, registering large year-on-year changes, which is why they are better as long-term assets because they could register negative returns in short periods. However, this greater volatility also brings greater returns.