if you let the money sit, no doubt you'll have more pesos at the end of 3 years. but with the value of the peso fluctuating, who knows if a 13% return for 36 months will be good or not? you may make or lose a bundle in spite of 13%.
about a year ago the peso was at 33.8 vs the dollar. today, around 35.9 that's about a 6% loss of buying power vs the dollar that would eat into your 13% return.
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