Análisis de la rentabilidad de los fondos de inversión como alternativa de ahorro en Guayaquil, Ecuador 2024.

Abstract

The present research analyzes investment funds as a saving alternative in the city of Guayaquil, Ecuador, in relation to the profitability this producto offers its participants, as well as the risks and accessibility compared to other financial products offered by thy banking system. The general objective is to analyze the financial profitability of investment funds as a savings alternative in the city of Guayaquil, Ecuador. The methodological design will be based on a Constructivist epistemological stance with a mixed approach. The study examines the characteristics of investment fund that are registered as active assets in the Public Registry of the Stock Market. The results obtained in this study show that investment funds offer higher returns compared to other financial products available in banks, although with varying levels of risk depending on the type of fund, whether fixed income or variable income. However, their consolidation as a savings alternative should be further promoted. Additionally, it is recommended to develop a stock market culture among citizens.