This modality allows natural persons to access financial instruments that were previously used mainly by large institutions or majority investors.
In this scheme, the investor (called bonus fork) Pay money to the State. In return, receive interest every six months, until the expiration date of the bonus.
According to the Organic Budget LawDecree 101-97, these financial instruments arose in their modern form in the late 90s with the aim of covering public spending.
Small investors: more than a thousand Guatemalans bet on treasure bonds
According to data from the Ministry of Public Finance (MINFIN), The investment range among small investors ranges from Q5 thousand and Q1 millionthe latter being the limit established by the program.
The average investment amount in this segment is located in Q290 thousand, which demonstrates a growing interest on the part of citizens in diversifying their income through options backed by the State.
Among the small investors that handle the highest figures, Investments are between Q500 thousand and Q1 millionwhich places them in the upper part of the range allowed by the democratization program.
Majority investors: with an average investment of Q100 million
On the other hand, The majority investorsthose who participate in normal tenders with BC bonds (purchase acceptance bonds), added April 99 to 30, 2025.
This group presents a different panorama: The average investment between them is around Q100 millionalthough this data is influenced by the presence of some large volume investors that significantly raise the average.
In fact, The four largest investors in this segment have an average investment of Q5 thousand 785 million each.
Trend: Little investors reinvote
As for the behavior of small investors over time, the minfin reports that There is a clear tendency to reinvestmentalthough the amounts vary year after year, depending on factors such as the available liquidity and the yields offered by the bonds.
This constant reinvestment suggests a level of confidence sustained in Treasury Bonds as a saving and investment tool.
The data to May 13, 2025 reveal that, only so far this year, 326 small investors have participated in the purchase of treasure bondswhile among the majority are counted 44 new participants.
Why invest in Guatemala Treasury bonds?
Julio Marroquín, from the finance portfolio, highlights that the bonds can be acquired at any time of the yearexcept when the State closes the reception of offers. In addition, it ensures that investors They do not lose the interests generated from the bidding date.
For his part, the Deputy Minister of Finance, Walter Figueroa, highlights that these bonds are considered “zero risk“, since they are supported by the Stateregardless of the government on duty.
How are the interests of the treasure bonds calculated?
The standard formula for calculating interest is as follows:
Nominal value × interest rate × elapsed days ÷ 360
You can also calculate using the National Stock Exchange Digital Tool.
Examples of interest generated by investing Q5 thousand:
- A year: Q150 in August and Q150 in February.
- Two years: Q153.13 in each semester (four payments in total).
- Three years: Q156.10 in each semester (six payments in total).
The Treasury bond interests They are paid in shape biannualin the months of August and February, and are deposited directly in the bank account registered by the investor.
What is the deadline to invest in 2025 Treasury bonds?
Although the law allows placing to the December 31, 2025in practice, the process usually concludes around the December 12due to the dynamics of budget execution.
This panorama reflects how Treasury bonds have established themselves as a viable option for both small and large investors, in an economic environment where the search for safe financial instruments remains a priority for many Guatemalans.