Can you imagine making your money grow while enjoying a coffee or traveling through Peru? Investing is no longer reserved for Wall Street experts or millionaires. Today, thanks to tools like Hapi, anyone can start building their financial future from scratch and with little money.

Don't worry! I'll explain everything step by step in an easy way. This article is educational and not investment advice, but it will show you how to take your first steps and explore options to make your money work for you.

Why Should You Start Investing?

• Grow Your Money: Even small amounts can multiply over time. You just need to put your money into investments that align with your goals.
• Diversify Your Income: Don’t put all your eggs in one basket (or bank account). With financial education, you can choose investments with greater potential while taking calculated risks.
• Think About Your Future: Building your long-term goals can become a reality if you invest consciously.

Understand Your Investor Profile

Before diving in, it's essential to know yourself as an investor. This will help you choose the options that best suit you. Answer these four key questions:

• What is your risk profile? If you prefer stability, low-risk options like fixed-term deposits may be ideal. If you're seeking higher growth potential, cryptocurrencies or stocks might be for you.
• Do you prefer soles, dollars, or both? While investing in soles might seem convenient, dollars are better due to their stability and to protect against possible depreciation of the sol caused by political and economic risks in Peru.
• Do you want to invest only in Peru or also explore international markets? Diversifying protects you from country-specific risks.
• How much time can you dedicate? There are passive options, like mutual funds, and more active ones, like stock trading.

Pro tip: There are no wrong answers. It's all about finding what works for you.

Investment Options for Beginners in Peru

Let’s look at some popular and accessible options to start investing:

a) Mutual Funds

• The Basics: They pool money from many investors, managed by professionals.
• Why Choose Them: They're great for beginners, and you can select low, medium, or high-risk options. However, if you seek lower fees, ETFs might be a better choice.
• Soles or Dollars: It's up to you.

b) Fixed-Term Deposits

• Safe and Stable: They offer fixed returns with low risks.
• Current Interest Rates: Around 4-5% annually in soles, depending on the interest rate level.
• Easy: Deposit your money and let it grow.

c) Stocks

• Global Opportunities: Invest in well-known companies like Amazon, P&G, McDonald's, Coca-Cola, and Apple.
• Fractional Shares: With Hapi, you can buy a fraction of these stocks starting at $5.
• Liquidity: Easy to sell when you need your money.
• Long-Term: These options can yield significant returns over time.

d) ETFs

• Diversification: ETFs like VOO or SPY (S&P 500) allow you to invest in the 500 largest U.S. companies with a single asset.
• Accessible: Perfect for those looking for global market exposure with less risk.
• Liquidity: Like stocks, you can easily sell them when needed.

e) Cryptocurrencies

• Innovation: Ideal if you're seeking high returns and can handle volatility.
• Top Assets: Bitcoin, Ethereum, or newer cryptocurrencies with high potential.
• Liquidity: Buy or sell them quickly through Hapi.

f) Investing in Personal Education

• High ROI: Learn skills like programming, design, or marketing that can generate income.
• Low Cost: Digital books and online courses are affordable and effective.

Remember: This information is shared for informational purposes and does not constitute investment advice.

With Hapi, You Can Start Investing in the U.S. Stock Market from Peru

Hapi is an app designed to make international markets accessible to Latin Americans. If you've ever dreamed of investing in companies like Tesla or Amazon, Hapi opens that door.

Advantages:

• Fractional Shares: Invest in major companies without buying a full share.
• No Trading Fees: Build your portfolio without worrying about high traditional broker costs.
• International Regulation: Meets SEC (U.S. Securities and Exchange Commission) and FINRA (Financial Industry Regulatory Authority) standards.

How to Start Investing with Hapi?

Step 1: Quick and Easy Registration

1. Download the Hapi app from Google Play Store or App Store.
2. Create an account using your email and setting a secure password.
3. Complete the registration form with your personal details: name, ID, address, and date of birth.

Step 2: Make Your First Deposit

1. Select your preferred deposit method: bank transfer in soles or dollars.
2. Hapi accepts transfers from banks like BCP, BBVA, and Interbank, making the process more accessible.
3. Follow your bank's instructions to complete the transfer and upload the payment receipt in the app for validation.
4. Verify your identity by uploading a photo of your ID or passport. This process ensures security and is typically completed within minutes.
5. You're all set to start investing!

Step 3: Choose Your Ideal Investment

1. Explore options in the app: individual stocks, diversified ETFs, or cryptocurrencies.
2. Use the fractional buy feature to start with little capital—for example, invest in a fraction of the S&P 500 for less than $5.
3. Set limit orders if you want to automate your purchases at specific prices.

Step 4: Manage Your Portfolio

1. Review your investments in the Hapi portfolio section.
2. Use statistics and charts to monitor performance.
3. Adjust your strategies according to your long-term financial goals.

4 Key Tips Every Peruvian Investor Should Know

Investing doesn’t have to be complicated. Follow these tips to start on the right foot:

• Patience: Results aren't immediate, but long-term rewards are worth it.
• Diversify: Combine options like ETFs and stocks to balance risk and return.
• Keep Learning: Understanding the market will give you more confidence and better results.
• Start Today: You don’t need thousands of soles to begin. Start with what you’d spend on a meal.

Conclusion

Investing from Peru has never been more accessible. Whether you choose mutual funds, fixed-term deposits, or international stocks with Hapi, the key is to take that first step.

Your money has the potential to work for you. With the right tools, financial education, and a bit of patience, you can achieve your financial goals. Download Hapi today and start your journey to financial freedom!