BANXICO cuts the interest rate.

Is it time to rethink your investment strategy?

In recent months, the Bank of Mexico (Banxico) has gradually lowered its benchmark interest rate, going from a historic 11.25% to 8.5% in its latest decision. While this move is intended to boost consumption and make credit more accessible, it also has a direct—and often negative—impact on those who rely on traditional investment vehicles.

The result? The once-attractive returns from products like CETES, bank notes, and government bonds are starting to decline, which directly affects people looking to grow and protect their capital in a conservative way.

Why Do Interest Rates Affect Your Investment Returns?

Banxico’s benchmark rate acts as a reference point for banks and financial institutions to set the rates on their financial products—including debt instruments and savings tools.

When the rate increases:

• Fixed-income products (like CETES) offer higher returns.

• Conservative investors can get solid yields with low risk.

• Saving becomes more appealing compared to spending.

When the rate decreases:

• Traditional products begin to offer lower returns.

• Investors face limited or declining earnings.

• It becomes necessary to rethink your financial strategy to maintain capital growth.

As GBM points out, the value of many financial instruments is closely linked to the current interest rate. This applies not only to CETES and bonds, but also to low-risk investment funds, structured savings accounts, and other common banking products.

What Can Investors Do in a Low-Rate Environment?

A changing economic environment doesn’t mean you need to take unnecessary risks—but it does require a more sophisticated and diversified approach, tailored to your unique financial profile. Now more than ever, informed decisions make all the difference between just preserving your money and growing it wisely.

Key recommendations include:

• Evaluate your investment terms: longer-term instruments may offer better conditions when structured strategically.

• Don’t rely on a single model: diversifying across sectors like healthcare, housing, infrastructure, or international markets can open more stable and meaningful opportunities.

• Seek specialized advisory: wealth strategies shouldn’t be left to chance or market trends—they should be based on analysis, structure, and long-term vision.

At FINSOF, We Help You See Beyond the Rate

For over 30 years, we've helped investors make strategic decisions and adapt their wealth plans to different economic cycles. We understand that when rates go down, many close off their options—but we help open new ones.

Instead of chasing shrinking returns, we work with you to design a plan that prioritizes your stability, goals, and long-term financial growth.

If your investments are no longer delivering what you expected, it’s time to rethink your strategy.

📩 Schedule a call with our team.

At FINSOF, we don’t offer financial products—we provide tailored advisory.Because financial success isn't about guessing what’s coming. It’s about being prepared for whatever comes next.

It’s time to grow.