Of the total Treasury Bonds approved for fiscal year 2026, Q500 million were allocated to small investors.
The amount minimum investment is Q5 thousand or US$650, according to article 24 of the Regulations for the issuance, negotiation, placement and payment of the service of Treasury Bonds for the year 2026, contained in Government Agreement 26-2026.
Rolando San Román, general manager of the National Stock Exchange (BVN), explained that the minimum investment amount is Q5 thousand and after that, interested parties can invest in multiples of Q1 thousand up to a maximum of Q1 million.
Deadlines and fees
The investment terms are 1, 2 and 3 years.
Interest rates vary and payment to each investor is made semiannually.
As explained by San Román, the securities available for small investors have the following maturity dates and rates:
- One year term: maturity is April 14, 2027 and the coupon is 6,000% annually
- Two years: maturity is April 14, 2028 and the coupon is 6.125% annually
- Three years: maturity is April 13, 2029 and the rate is 6.250% annually
The executive explained that these securities have an issue date of April 15, 2026, so the investor must pay the interest accrued on the date of acquisition.
Investments are made through stockbrokers.
In the website of the National Stock Exchange, SAthe interested party can locate the Small Investor section, where a list of stock brokers is available, with address, telephone number and contact name.
CONTENT FOR SUBSCRIBERS
Requirements
The Investment in bonds for small investors can only be carried out by individuals, That is, legal persons such as entities or companies cannot participate.
Each brokerage establishes specific requirements, so it is recommended to consult those details, indicated San Román.
However, there are basic requirements, such as the presentation of the Personal Identity Document (DPI), a receipt for water, electricity or telephone, and a personal check, according to the Minfin.
In addition, you must have a bank account for interest to be deposited.
You must also fill out the Special Verification Intendance (IVE) form.
Benefits
The investment amount is low compared to the rest of the bonds, since it can be invested from Q5 thousand, said San Román, who explained other factors:
- They are considered to have attractive profitability, taking into account interest rates.
- The investor will not pay taxes on the interest, since the Treasury Bonds of the Republic of Guatemala are exempt from taxes.
- As they are bonds issued by the State of Guatemala, they are considered low risk (the country is considered a good payer of its debt).
- There is liquidity, since this type of bond can be sold in the secondary market before maturity, which allows the investor to have their money before that period.
However, it should be taken into account when making the investment through stock agents, they charge a commission for their services.
First placement
The Ministry of Public Finance (Minfin) carried out the first placement of this type of bonds on Tuesday, April 14.
This was carried out through the window mechanism and allocating Q8 million 795 thousand, represented by account entries for small investors, according to the entity’s statement.
CONTENT FOR SUBSCRIBERS
As of April 15, the offer of bonds will continue through stockbrokers.
Data updated as of Friday, April 17, indicate that the accumulated amount placed is Q50.7 million and Q449.3 million are available, of the total of Q500 million approved for this year for small investors.
The Minfin confirmed in its bulletin the profitability of these securities: 6,000%, 6,125% and 6,250% for the maturity dates of April 14, 2027, April 14, 2028 and April 13, 2029, respectively.
Total bonuses
The total of Treasury Bonds authorized for 2026 is Q35,525.6 million, based on Decree 36-2024, reformed by article 9 of the Decree 3-2026according to information as of April 17 in the Minfin bulletin.