{"id":2494,"date":"2022-09-30T20:45:56","date_gmt":"2022-09-30T20:45:56","guid":{"rendered":"https:\/\/cadiem.girolabs.tech\/?page_id=2494"},"modified":"2026-07-23T11:32:29","modified_gmt":"2026-07-23T14:32:29","slug":"frequent-questions","status":"publish","type":"page","link":"https:\/\/www.cadiem.com.py\/en\/frequent-questions\/","title":{"rendered":"FAQ"},"content":{"rendered":"
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FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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For more information contact a consultant<\/a> who will provide you with personalized attention.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Bonds<\/div><\/div><\/div>
Shares<\/div><\/div><\/div>
Savings Certificates of Deposit<\/div><\/div><\/div>
Mutual Fund Available in Guaran\u00edes <\/div><\/div><\/div>
Mutual Fund Available in USD<\/div><\/div><\/div>
Mutual Growth Fund<\/div><\/div><\/div>
Mutual Fund For All <\/div><\/div><\/div>\n \t\t\t <\/div>\n\t\t\t
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What is the minimum investment amount?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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FIRST INVESTMENT:
Guaran\u00edes: G. 10,000,000.
U.S. Dollars: USD. 2.000.<\/p>

FOLLOWING INVESTMENTS:
Guaran\u00edes: G. 1,000,000.
U.S. Dollars: USD. 1.000.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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What are the requirements?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Ser cliente con patrimonio invertido de G. 150.000.000.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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Individual<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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  • Customer File<\/li>
  • Photocopy of Identity Card<\/li>
  • Proof of Income<\/li>
  • Proof of Origin of Funds (investments over USD. 10.000.<\/li>
  • A copy of the utility bill<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>
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    Legal entity<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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    • Photocopy of RUC<\/span><\/p><\/li>

    • Photocopy of the Identity Card of the legal representatives.<\/span><\/p><\/li>

    • Deed of Incorporation of the Company and successive amendments if any<\/span><\/p><\/li>

    • Updated detail of partners and shareholder and board of directors composition<\/span><\/p><\/li>

    • Copy of special powers of attorney<\/span><\/p><\/li>

    • Minutes of the Ordinary General Shareholders' Meeting where the Directors are appointed<\/span><\/p><\/li>

    • Minutes of the Board of Directors granting the power of attorney<\/span><\/p><\/li>

    • Last annual balance sheet<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      Is it better to invest in dollars or guaran\u00edes?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Choosing the currency in which to invest depends on the purpose, objective or investment goal. For example, if we start investing to create a fund to provide retirement income, or plan to spend in local currency, it is better to invest in guaran\u00edes. If we plan to give our daughter a 15th birthday trip, a wedding anniversary vacation or a master's degree abroad, it is probably better to invest in US dollars.
      Regardless of these objectives, investment in local currency has historically always been more profitable than in foreign currency.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      How do I benefit from investing in treasury bonds?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      Investing in National Treasury Bonds helps me diversify my investment portfolio. Considering that the risk is very low, the return is proportional to the risk.<\/p>

      These securities can be used as collateral for credit applications and in some cases, in accordance with legal provisions, as a tax credit.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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      How is interest charged?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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      The term is monthly, quarterly, semi-annually, depending on the Issuer.<\/p>

      • Transfer to account.<\/li>
      • Deposit in the Mutual Fund's account.<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>
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        What is the minimum investment amount?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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        El monto m\u00ednimo para invertir en Acciones es de G. 25.000.000.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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        What are the requirements?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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        Ser cliente con patrimonio invertido de G. 150.000.000<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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        Individual<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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        • Customer File<\/li>
        • Photocopy of the<\/li>
        • Identity Card<\/li>
        • Proof of Income<\/li>
        • Proof of Origin of Funds (investments over USD. 10.000.<\/li>
        • A copy of the utility bill<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>
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          Legal entity<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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          • Photocopy of RUC<\/span><\/p><\/li>

          • Photocopy of the Identity Card of the legal representatives.<\/span><\/p><\/li>

          • Deed of Incorporation of the Company and successive amendments if any<\/span><\/p><\/li>

          • Updated detail of partners and shareholder and board of directors composition<\/span><\/p><\/li>

          • Copy of special powers of attorney<\/span><\/p><\/li>

          • Minutes of the Ordinary General Shareholders' Meeting where the Directors are appointed<\/span><\/p><\/li>

          • Minutes of the Board of Directors granting the power of attorney<\/span><\/p><\/li>

          • Last annual balance sheet<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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            What are the risks?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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            It is the minimum portion into which the capital of a corporation is divided. These financial instruments may be more profitable in the long term, since the dividends granted to their owner are variable depending on the company's results. The shares do not have an expiration date. Whoever acquires shares becomes the owner of a part of the company. The shares are guaranteed by a single signature, i.e., the management and results of the company.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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            Is it better to invest in dollars or guaran\u00edes?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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            Choosing the currency in which to invest depends on the purpose, objective or investment goal. For example, if we start investing to create a fund to provide retirement income, or plan to spend in local currency, it is better to invest in guaran\u00edes. If we plan to give our daughter a 15th birthday trip, a wedding anniversary vacation or a master's degree abroad, it is probably better to invest in US dollars.
            Regardless of these objectives, investment in local currency has historically always been more profitable than in foreign currency.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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            How is interest charged?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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            Dividends are distributed annually, after the closing of the Entity's fiscal year. It is withdrawn from each entity, against signature of vouchers.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>

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            What is the minimum investment amount?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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            El monto m\u00ednimo para invertir en CDA es de G. 100.000.000<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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            What are the requirements?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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            To invest for the first time we need to register you as a client, with the following documents:
            INVESTMENTS:<\/p>

            Guaran\u00edes: G. 1,000,000.
            U.S. Dollars: USD. 1.000.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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            Individual<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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            • Customer File<\/li>
            • Photocopy of Identity Card<\/li>
            • Proof of Income<\/li>
            • Proof of Origin of Funds (investments over USD. 10.000.<\/li>
            • A copy of the utility bill<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>
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              Legal entity<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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              • Photocopy of RUC<\/span><\/p><\/li>

              • Photocopy of the Identity Card of the legal representatives.<\/span><\/p><\/li>

              • Deed of Incorporation of the Company and successive amendments if any<\/span><\/p><\/li>

              • Updated detail of partners and shareholder and board of directors composition<\/span><\/p><\/li>

              • Copy of special powers of attorney<\/span><\/p><\/li>

              • Minutes of the Ordinary General Shareholders' Meeting where the Directors are appointed<\/span><\/p><\/li>

              • Minutes of the Board of Directors granting the power of attorney<\/span><\/p><\/li>

              • Last annual balance sheet<\/span><\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                What are the risks?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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                These are deposits in financial institutions (banks and finance companies) made for a specific term. The interest rate is subject to the capital invested, the term and the form of interest payment. They are covered by the Deposit Guarantee Fund of the Central Bank of Paraguay, up to 75 minimum salaries, equivalent to approximately G. 210,000,000.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                Is it better to invest in dollars or guaran\u00edes?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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                Choosing the currency in which to invest depends on the purpose, objective or investment goal. For example, if we start investing to create a fund to provide retirement income, or plan to spend in local currency, it is better to invest in guaran\u00edes. If we plan to give our daughter a 15th birthday trip, a wedding anniversary vacation or a master's degree abroad, it is probably better to invest in US dollars.
                Regardless of these objectives, investment in local currency has historically always been more profitable than in foreign currency.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                How is interest charged?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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                The term is monthly, quarterly, semi-annually, depending on the Investor.<\/p>

                • If the client brings his coupons, he is personally responsible for collecting the interest.<\/li>
                • If the client leaves his endorsed coupons in custody, CADIEM is responsible for collecting the interest and depositing it in the account assigned by the investor for this purpose.<\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>
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                  To which account number should I make the transfer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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                  The following accounts are available for your investments in the Mutual Fund Available in Guaran\u00edes:<\/span><\/p>

                  Name:<\/strong> Mutual Fund Available in G.<\/p>

                  Banco GNB Paraguay<\/strong>
                  CTA:<\/strong> 12899735001<\/p>

                  Banco Continental<\/strong>
                  CTA:<\/strong> 012333433006<\/p>

                  RUC:<\/strong> 80101444-1<\/p>

                  It is also necessary that the transfers are registered through the web or the app within 24 business hours, in order to make the investment effective within the established deadlines.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                  How long does it take for the redemption to be credited to my account?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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                  Redemptions are credited within 48 hours after the redemption has been requested.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is Quota Value?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  It is a unit of measurement that expresses the fund's profitability on a daily basis. Each time the investor makes a contribution, he acquires quotas, which when multiplied by the quota value of the day determine the balance of his personal account.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is the Quota Balance?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  This is the amount of quotas remaining after an operation, whether investment or redemption, has been carried out.<\/p>

                  \u00a0<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is Performance?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  This is the total interest earned within the selected date range.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  Why doesn't my deposit appear on the day I made the transfer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Because the system allows us to see only the operations carried out up to the previous day. The operations carried out today will be reflected once the daily closing of the fund is performed and the new quota value is obtained.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>

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                  \n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                  To which account number should I make the transfer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  The account available for your investments in the Mutual Fund Available in Dollars is as follows:<\/p>

                  Name:<\/strong> Mutual Fund Available in USD<\/p>

                  Banco GNB Paraguay<\/strong>
                  CTA:<\/strong> 12899343001
                  RUC:<\/strong> 80103579-1<\/p>

                  It is also necessary that the transfers are registered through the web or the app within 24 business hours, in order to make the investment effective within the established deadlines.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>

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                  \n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  To which account number should I make the transfer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  The account available for your investments in the Fondo Mutuo Crecimiento en Guaran\u00edes is as follows:<\/p>

                  Name:<\/strong> Fondo Mutuo Crecimiento en G.<\/p>

                  Banco GNB Paraguay<\/strong>
                  CTA:<\/strong> 12899836001
                  RUC:<\/strong> 80101440-9<\/p>

                  It is also necessary that the transfers are registered through the web or the app within 24 business hours, in order to make the investment effective within the established deadlines.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  Why doesn't my deposit appear on the day I made the transfer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Because the system allows us to see only the operations carried out up to the previous day. The operations carried out today will be reflected once the daily closing of the fund is performed and the new quota value is obtained.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  How long does it take for the redemption to be credited to my account?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Redemptions are credited within 5 business days after the redemption has been requested.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is Quota Value?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  The total assets of a Mutual Fund are divided into equal parts called Quotas. These have a value, called the Quota Value, which changes daily and reflects the profitability obtained by the Fund. Each time the investor makes a contribution, he acquires quotas, which when multiplied by the quota value of the day determine the balance of his investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What do you mean by number of installments?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  It is the amount of securities that represent the investment of a natural or legal person in the Mutual Fund. When a client invests in a Mutual Fund, he\/she acquires a certain number of Quotas. The number of Quotas purchased is the amount invested in Guaran\u00edes divided by the value of the Quota on the day the investment is credited. When investments are withdrawn (redeemed) from the Mutual Fund, the number of Quotas held by the investor also decreases. Thus, the number of quotas withdrawn is the amount in Guaran\u00edes of the redemption divided by the value of the quota on the day the withdrawal is made.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is the Quota Balance?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  This is the amount of quotas remaining after a transaction has been carried out, either for investment (purchase of quotas) or redemption (divestment or sale of quotas).<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is Performance?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  This is the total interest earned within the selected date range. This yield is reflected in the change of the quota value in that date range.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>

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                  \n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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                  To which account number should I make the transfer?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  The account available for your investments in the Fondo Mutuo Para Todos is as follows:<\/span><\/p>

                  Name:<\/strong> Mutual Fund For All<\/p>

                  Ueno Bank<\/strong>
                  CTA:<\/strong> 96913551
                  RUC:<\/strong> 80121759-8<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  How to become part of the Fund?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Group customers:<\/strong>
                  The person in charge of the group\/organization\/company sends us an Excel file with the basic data of the investors (name, surname, IQ, telephone number and e-mail address).<\/p>

                  Individual customers:<\/strong><\/p>

                  From CADIEM's website, investors interested in being part of the Mutual Fund For All, leave us their basic information (name, surname, IQ, telephone number and email address).<\/p>

                  Group\/individual clients:<\/strong>
                  Each interested investor receives an email with a link to complete their client registration form and sign their Subscription Contract electronically. The only document required is an identity card.<\/p>

                  Once the account is created in the Fondo Mutuo Para Todos System, the investor will receive the Agreement and Internal Regulations by e-mail, along with the account number and a reminder to pay the one-time entry fee in order to start investing.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                  What happens to an investor who exits a company?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  The accounts are individual, regardless of whether the investor has joined through a company. Therefore, if an investor leaves the company, but wants to remain part of the Fondo Mutuo Para Todos, he\/she must inform CADIEM to stop being a group client and become an individual client.<\/p>

                  \u00a0<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What is the difference between minimum contribution and extra contribution?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  The minimum monthly contributions will be G. 300,000. Once this monthly contribution has been made, investors may make additional contributions for a minimum of G. 100,000.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What if there is a month in which I do not invest?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  There is no penalty of any kind. The objective of the Fondo Mutuo Para Todos is to encourage the habit of saving and investing through rewards that motivate the investor, and not through penalties or punishments.<\/p>

                  Each investor will choose a date range in which they think they can make their contributions: 1-10, 11-20, 21-31. If the investor's contribution does not fall within that range, the system will automatically send reminders via the App\/SMS. If the investor's contribution enters the fund during the month, he\/she will be eligible for the commitment award. The date range is only referential in order to send reminders.<\/p>

                  Investors who have contributed at least once a month for 12 months are rewarded for their perseverance. In other words, for those investors who were consistent and managed to contribute at least once a month for a year, the fund will yield them 7,50%.<\/p>

                  This reward of 0.50% is applicable for each year. In other words, if the investor did not contribute in month 6, he\/she will not be eligible for the first year (months 1 to 12), but if he\/she contributes every month from month 13 to 24, he\/she will be granted the 0.50% premium.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  What happens if I do not invest in one month, but the following month I make 2 investments?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  There is no penalty, but you will not be eligible for the commitment award either. You cannot catch up to have the +0.50%. <\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  Can the amount of the monthly contribution be modified, and does this affect the commitment award?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Yes, it can be modified. If an investor contributes G. 500,000 monthly and one month contributes G. 300,000, he\/she will still be able to receive the commitment award. The amount of the monthly contribution can be increased and reduced, as long as it is equal to or greater than the minimum amount of G. 300,000.<\/p>

                  \u00a0<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t
                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  Is a bank account required?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Yes, it is necessary to have an account with a bank, finance company or credit union.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>

                  \n\t\t\t\t\t\t\t
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                  <\/path><\/svg><\/span><\/path><\/svg><\/span><\/div>
                  Can the same customer have different accounts for different purposes?<\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
                  \n\t\t\t\t\t\t\t\t

                  Currently, it is only possible to open one individual account per participant.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

                  Preguntas Frecuentes Para m\u00e1s informaci\u00f3n contact\u00e1 con un asesor que te brindar\u00e1 atenci\u00f3n personalizada. BonosAccionesCertificados de Dep\u00f3sito de AhorroFondo Mutuo Disponible en Guaran\u00edes Fondo Mutuo Disponible en USDFondo Mutuo de CrecimientoFondo Mutuo Para Todos \u00bfCu\u00e1l es el monto m\u00ednimo de inversi\u00f3n? PRIMERA INVERSI\u00d3N:Guaran\u00edes: G. 10.000.000.D\u00f3lares Americanos: USD. 2.000. SIGUIENTES INVERSIONES:Guaran\u00edes: G. 1.000.000.D\u00f3lares Americanos: USD. 1.000. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2494","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/pages\/2494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/comments?post=2494"}],"version-history":[{"count":11,"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/pages\/2494\/revisions"}],"predecessor-version":[{"id":15745,"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/pages\/2494\/revisions\/15745"}],"wp:attachment":[{"href":"https:\/\/www.cadiem.com.py\/en\/wp-json\/wp\/v2\/media?parent=2494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}