Invest today to build tomorrow’s wealth.

Working together only makes sense if the value you receive exceeds the cost of the service. We believe that by providing the following, the value you receive can be a multiple of our fees:

1. Putting a financial plan in motion that helps you balance the present and the future, giving you clarity on the actions you need to take today to achieve financial independence.
   
   
2. Giving you clarity on whether your monthly budget is healthy or whether you need to take action.
   
   
3. Turning saving from something you remember occasionally into a disciplined habit.
   
   
4. Investing in a diversified, prudent and professional way, reducing risk and seeking strong returns that exceed inflation.
   
   
5. Minimizing the taxes you pay, so you can preserve more of your money.
   
   
6. Giving you the confidence, discipline and support needed to carry out your plan over the years, especially when the most difficult moments in the market arrive.
   
   
7. Perhaps most importantly, giving you back the time and energy to dedicate to what matters most, knowing that your finances are already in order.

Your portfolio is built through investment funds regulated under UCITS standards, one of the most demanding global frameworks for investor protection, diversification and supervision.

These funds are domiciled in Europe and structured as mutual funds, allowing you to invest efficiently and proportionally to your contributions, regardless of the amount.

The investment strategy is based on passive, low-cost approaches, with broad global diversification, seeking to capture long-term market returns in a consistent and disciplined way.

The investments we recommend are designed to be held over a lifetime. The risk of permanent capital loss over the long term is minimal, as we diversify portfolios across thousands of the world’s largest companies. Over the decades, this has been one of the safest and most prudent ways to invest.

The assets in your investment account are segregated from the broker’s balance (Dominion). This means they are not part of the institution’s assets and, in a potential insolvency scenario, creditors cannot claim your investments.

In the case of Nantas Ahorro, asset custody is carried out through Bank of New York Mellon, one of the largest custodians globally, with approximately USD 45 trillion in assets under custody and/or management —more than 500 times Uruguay’s GDP— and a long track record in the protection and administration of institutional assets.

The structure is designed to mitigate operational risks through a clear separation of functions:

Nantas provides fiduciary advice
Dominion operates as a regulated platform
The custodian keeps the assets segregated
Money flows are processed through specialized providers

This architecture prevents a single institution from concentrating advisory, execution, custody and cash handling functions.

Additionally, operations are conducted under the jurisdiction of Guernsey, internationally recognized for its regulatory and supervisory standards, including frameworks aligned with FATF/MONEYVAL. As of late 2024, funds domiciled in this jurisdiction managed approximately USD 370 billion, reflecting the scale and development of its financial industry.

Uruguay is a serious and stable jurisdiction, although its capital market is smaller and less deep. In this context, it is especially relevant to understand the role each institution plays within the investment structure. Recent experience shows that many of the problems faced by retail investors do not come from market risk, but from structures where functions are not clearly differentiated.

For this reason, at Nantas we prioritize a structure in which each role is clearly defined and supervised.