Mercado Pago and NU have become two of the preferred options for Mexicans to save and invest. But, in general terms, Which one generates more returns for you, and therefore, which one should you invest in?
This will depend entirely on the amount you are willing to save, as well as the period you expect to have your money “frozen.”
Today in THE INFORMER We share with you some elements that They can help you choose the best option according to your needs.
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Mercado Pago or NU: Which one generates more performance for me?
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If you plan to save less than $23 thousand pesos, the best one for you is Mercado Pago, this because it offers a return of 15 percent per year, plus daily interest and that Your money is available to you 24/7, and you have no limits on the maximum amount it can generate in returns.
It should be noted that to obtain 15 percent annual returns, you must make monthly deposits of at least $3 thousand pesos. Otherwise, yield reduces to 10 percent per year.
It is important to keep in mind that there is a limit to generate returns, which is $25 thousand pesos per person. If you exceed this limit, the surplus will not generate returns.
In addition, it is relevant to mention that Mercado Pago is a platform regulated by the National Banking and Securities Commission, the Bank of Mexico and the National Commission for the Protection and Defense of Users of Financial Services (Condusef) which guarantees greater security for your investments.
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For its part, NU offers a return of 15 percent annually, but only if you leave your money frozen for 90 days. If you are not willing to leave your money frozen during that period, NU offers lower returns.
NU is an investment platform in Mexico that offers different investment options with varied returns. Returns on NU can range from 4 percent to 18 percent annually, depending on the type of investment and the investment term chosen.
Some of the investment options available at NU are:
- Cetes: returns between 4 percent and 9 percent annually.
- Bonuses: returns between 6 percent and 14 percent annually.
- Mutual funds: returns between 4 percent and 18 percent annually.
It is important to mention that returns may vary depending on market conditions and the economic situation. Besides, It is advisable to carefully read the terms and conditions of each investment before making a decision.
So, is Mercado Pago or NU better?
In short, the best option depends on your needs and preferences. If you are looking for a high return and don’t mind leaving your money frozen for a certain period of time, NU could be the best option. But if you are looking for high performance and the flexibility to access your money at any time, Mercado Pago could be your best option.
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