Interactive Funds: What Are, Advantages and Alternatives 2026
If you are looking for information about liabilities, this guide explains to you what they are, how they work, their advantages against active funds and what modern alternatives offer greater transparency and control, such as tokenizing real assets with blockchain verification.
💡 Quick definition: A passive fund replicates a market index (such as IBEX 35 or S luminousP 500) with minimal human intervention, seeking to obtain the return of the index with very low costs.
How do the passive funds work?
Unlike active funds, where a manager selects values trying to “bade the market,” passive funds:
- Replicate an index: They buy the same assets that make up a reference index, in the same proportions.
- Minimize costs: Without analytics equipment, commissions tend to be 0.10-0.30% annually vs 1-2% in active funds.
- They offer transparency: You know exactly what he invests in the fund at all times.
- Reduce risk of selection: You don’t depend on the success of a human manager.
Advantages and Disadvantages of the passive funds
▷ Advantages
- Very low costs: Reduced commissions that improve long-term net profitability.
- Automatic diversification: A single fund gives you exposure to tens or hundreds of assets.
- Transparency: You know the composition of the portfolio at all times.
- Consistent performance: In the long term, most active managers do not beat their benchmarks.
❌ Disadvantage
- Without protection in falls: If the index drops, your bottom falls the same. No defensive management.
- Exposure to overvaluations: Expensive purchases if the index includes them, without valuation criteria.
- Lower control: You cannot exclude sectors or companies by ethical or risk criteria.
- Market-dependent liquidity: In extreme crises, the liquidity of the fund depends on the underlying index.
Comparison: Interactive vs Asset Funds
| Criteria | Liabilities | Asset funds |
|---|---|---|
| Committees | 0.10-0.30% per year | 1-2 per year |
| Transparency | High (follow to index) | Variable (depends on the manager) |
| Historical performance | Similar to the reference index | Variable (can exceed or not the index) |
| Risk of Selection | Null (follow to market) | Depends on the manager |
| Protection in Falls | Null (fall with index) | Power (defensive management) |
Modern Alternative: Tokenization of Real Assets
For investors seeking the simplicity of passive funds but with greater control and tangible backing, the tokenization of real assets offers a hybrid approach:
- Tangible backing: Each token represents participation in a physical asset (unchangeable, tourism project), not in an abstract index.
- Higher projected profitability: 6-12% per year vs 4-8% historical of stock indexes.
- Transparency blockchain: Unchangeable registration of ownership and distributions, accessible 24/7.
- Independent technical verification: Due diligence by Judicial Peritos before each issue.
- Automatic distribution: Rents arriving in your wallet without intermediaries or delays.
You’re looking for an Alternative to the Passive Funds?
Discover our tokenised assets with independent technical verification. Projected profitability 8-12% with real estate back and blockchain transparency.
de️ Request Asset InformationConclusion: Intelligent Passivity
Them liabilities are a valid tool for investors looking for simplicity and low costs. However, technological evolution today allows us to combine this “passive” philosophy with tangible assets, independent verification and blockchain transparency.
In PropTrust Verified we help you to evaluate tokenized projects with the same rigor that you would require a stock index: technical due diligence, clear legal structure and automated reporting.