Nowadays, being Retired in Argentina no longer means staying on the sidelines. With more free time, access to new technologies and the need to protect themselves against the devaluation of the peso, many have decided to take a step into the financial markets.
Far from being a passive stage, retirement has become an opportunity to generate extra income and even exceed what you earned during your working years. There are different platforms in which you can invest, such as Balanz, Adcap, PPI, Ualá, Guardian Capital, Tradear.com, or even from the banks themselves.
In this article, we will tell you which investments are the most popular among Argentines due to their security, simplicity and good returns.
US Treasury bonds: safety with stable yield
US Treasury bonds are one of the safest investments. Backed by the US government, they offer stability in times of economic uncertainty. Although they offer lower returns than stocks, they ensure a fixed rate of growth with protection from market volatility.
To buy these bonds, it is necessary to go to American banks such as Bank of America or Wells Fargoor to fund managers such as Fidelity, Vanguard and Schwab.
However, this process usually requires U.S. citizenship or opening accounts in person.
Although accounts usually have low maintenance costs and some administrators do not charge a commission, the process from abroad can be very complex, especially due to the requirements of entities such as the AFIP and the necessary authorizations. In addition, a considerable amount of capital is required to start.
Technology stocks: high growth potential
Unlike bonds, stocks carry greater risk due to market volatility, but they also offer greater opportunities for returns if the right strategy is employed. Among the most notable technology stocks of the past year are: Nvidia, Microsoft and Mercado Libre. It is possible to invest in them through Cedears on platforms such as Balanz, PPI or Adcap.
Nvidia, For example, it has doubled the value of its shares in less than a year, going from less than $50 in January to more than $110 in just nine months.
Free market, For its part, it has seen its share price increase by more than $500 during 2024, representing almost 40% growth.
Microsoft is not far behind, it has experienced a more moderate but constant rise, going from 370 to more than 430 dollars, which is equivalent to an increase of 16% for this American giant.
Where to invest in stocks?
Investing directly in Wall Street stocks can be complicated for many, as it requires opening an investment bank account at a financial institution within the United States.
This process not only requires the physical presence of the account holder in the US to open the account, but also the minimum amounts for opening and maintaining these accounts often exceed $100,000.
Another point to consider is that buying and selling shares through banks is done under a 1 to 1 model, which means that the investor must provide the full capital for each transaction.
This approach limits the possibility of leveraged trading, a strategy that allows investing with less capital and greater flexibility. Tradear.com is an alternative to do it from Argentina with fewer restrictions.
Gold: Safe Haven
At $2,600 an ounce in 2024, gold remains a solid investment. It is an excellent option in times of inflation or recession.
Where to invest in gold?
A traditional option is to buy gold bullion or jewelry, a method that has been used for generations. However, keeping physical gold requires safe storage, as it is not advisable to keep it in the home or office due to the risk of theft.
In addition, physical gold needs proper maintenance to maintain its quality. While there are specialized companies that offer metal storage and care services, these options often involve monthly costs that can reduce the return on investment.
On the other hand, if what you are looking for is greater profitability, liquidity and flexibility, a An alternative is CFDs (Contracts for Difference) on Gold. With CFDs, it is possible to speculate on the price of gold without needing to own the physical asset.
This gives the advantage of quick access to money if needed, eliminating the complications of storage. In turn, with leverage, profits of up to x20 (in time and money) can be made by purchasing the asset itself.
A direct way to invest is by purchasing Argentine Certificates of Deposit (Cedear) from a company directly linked to this metal, such as Barrick Gold or Yamana Gold.
Retirement no longer means giving up your financial life, quite the opposite. Whether investing in treasury bonds, technology stocks or commodities such as gold, there are options that fit every profile and, above all, that provide a constant and anti-inflationary income.
Source: Ambito
