Mi Opinión Sobre Tyba - La App Para Invertir

Summary

In this video, Juan Sebastián Celis shares his personal experience with the 'Activa la app para invertir', discussing its functionality and offering financial education. He details his initial investment of 2 million pesos, which grew to 4.9 million with the help of 'tips', the app's unique currency for investments. Celis explains the app's user-friendly interface, its guidance through investment diversification, and the importance of understanding effective annual returns. Despite some operational hiccups, he concludes that Activa is a valuable tool for both beginners and experienced investors, emphasizing its role in fostering financial growth and education.

Takeaways

• 😀 Juan Sebastián Celis introduces himself and his mission to help others achieve personal and financial success.
• 🔍 The speaker discusses his experience with an investment app called 'Activa', sharing insights from a personal investment experiment.
• 💰 He initially invested 2 million pesos and received an additional 40,000 'tips', which are equivalent to pesos but can only be used for investment within the app.
• 📈 After adding another 2 million pesos due to a promotional offer, his total investment grew to 4 million 90 thousand pesos in the portfolio.
• 🕒 The investment was held for about four months, resulting in a net annual return of 35.3%, which was later adjusted to 37.3% after including a 2% management fee.
• 📉 The speaker warns about the fluctuation in investment value during the withdrawal process, which can affect the final amount received.
• 💼 Activa provides a step-by-step guide on the investment process, helping users understand portfolio diversification and investment dynamics.
• 📊 The app offers simulations for different investment scenarios, including historical performance, favorable, and adverse outcomes.
• 🚀 Activa encourages users to invest and save by suggesting monthly contributions and showing the impact of potential returns on achieving financial goals.
• 🤔 The speaker encountered some technical issues with the app during the investment and withdrawal process, which delayed transactions.
• 🌐 The video concludes with a positive view of Activa as a tool for financial education and investment, despite some of the mentioned drawbacks.

Q & A

What is the primary mission of the channel led by Juan Sebastián Celis?

The primary mission of the channel is to help viewers achieve personal and financial success by becoming the best version of themselves through financial education.

What is the purpose of the 'Activa la app para invertir' mentioned in the script?

The purpose of the 'Activa la app para invertir' is to facilitate and educate users on investing in funds managed by experts, with the goal of increasing the returns of the investors.

How much money did Juan Sebastián initially invest in the app for his personal experiment?

Juan Sebastián initially invested two million pesos in the app for his personal experiment.

What are 'tips' in the context of the investment app mentioned in the script?

In the context of the investment app, 'tips' are equivalent to pesos but can only be used for investment purposes, and they serve as incentives for users to invest more.

What was the net annual return Juan Sebastián obtained from his investment after four months?

Juan Sebastián obtained a net annual return of 35.3 percent from his investment after four months.

Why is it important to consider the effective annual return when evaluating investment performance?

The effective annual return is important because it provides a standardized measure of investment performance over a year, taking into account the impact of compounding returns, which is crucial for comparing different investment opportunities.

What is the administration fee charged by investment funds, and why is it charged?

The administration fee, which is 2% in the case mentioned in the script, is charged by investment funds to cover the costs of managing the funds, including decisions on investments, rebalancing portfolios, and other actions aimed at increasing investors' returns.

What are the potential fluctuations that can occur when withdrawing money from the investment app?

When withdrawing money from the investment app, the value of the investment can fluctuate between the time the withdrawal order is placed and when the actual sale of the investment is executed, which can result in the final amount being higher or lower than initially expected.

What issues did Juan Sebastián encounter with the app during his investment and withdrawal process?

Juan Sebastián encountered several glitches with the app, including difficulties in depositing and withdrawing funds, as well as discrepancies between the simulated and actual amounts received upon withdrawal.

How does the app guide users through the investment process and help them understand their portfolio diversification?

The app guides users step by step through the investment process, showing how their portfolio is diversified, what types of investments are being made, and providing insights into how the investments work, helping users understand the evolution of their selected investment type.