Another Excellent Month for Collective Management
At the end of the third quarter, the net assets of mutual funds (OPCVM) stood at 9,177.2 billion, an increase of 169.6 billion compared to the end of August 2025. Since the beginning of the year, the evolution is 2,172.8 billion, a record for a 9-month period. This growth comes from all types of investment vehicles: 1,975.4 billion from bond mutual funds, 193.0 billion from mixed funds, and 4.5 billion from equity funds.
Investor Confidence and Strategic Advice
Investors are more convinced than ever that a decrease in the key interest rate by the Central Bank (BCT) will eventually come, and they need to prepare for such a decision not to affect their investment income. Unlike time deposits, mutual funds invested in fixed income will continue to offer attractive returns. Even if reinvestments are at lower rates than last year, the performance will still be better than any other financial product.
We always recommend a balanced approach between the two types of investments. It's not an "either-or" situation, but a complementary "and." A balanced financial strategy should integrate a secure base with negotiated bank savings, if possible, while offering growth potential with collective management. The nature of the vehicle depends on the investor's degree of risk aversion. We advise opening the financial statements of mutual funds to get a better idea of return projections and choose the best weighting. This will take some time, but it can help you gain valuable return points.
Key Takeaways
- Net assets of mutual funds reached 9,177.2 billion at the end of the third quarter
- Growth comes from all types of investment vehicles: bond, mixed, and equity funds
- Investors should prepare for a potential decrease in the key interest rate
- A balanced approach between secure savings and collective management is recommended
- Choosing the right investment vehicle depends on the investor's risk aversion
- Reviewing financial statements can help investors make informed decisions and optimize their returns
