Aguinaldo 2025: How to do it to the fullest, with the best investment ideas of experts

With the arrival of the bonuse, many Argentines wonder How to intelligently take advantage of that additional income. In a context of greater exchange stability and macroeconomic recovery signs, Market analysts agree that It is a conducive moment to make investment decisions adapted to the profile of each savers.

Inflation shows a clear slowdown – May IPC was just 1.5% -, The Government registered primary surplus and consumption began to rebound. In parallel, volatility in international markets remains contained, beyond tensions in the Middle East, which generates specific opportunities in commodities such as gold, soy and oil.

IEB+ strategies

From the Fintech IEB+, of the IEB group, propose a segmented approach by risk profile, taking into account the current context of Macroeconomic stabilization, inflation in setback and less exchange volatility. The objective is that each investor can channel their bonus efficiently, with strategies that combine performance, coverage and liquidity.

Conservative Profile (Short Term)

For those who prioritize capital and maintain high liquidity, IEB+ suggests assigning 70% to instruments in short -term pesoslike the Lecapsthat today yield above projected inflation and allow to capture positive real rates. In particular, the S29G5with expiration in August and a Effective monthly rate (TEM) close to 2.3%which annualized the yields of fixed installments or paid accounts exceeding.

He Remaining 30% would go to dollarized assetslike him Sovereign Bonus Al30which offers coverage against exchange rate movements, and a Tir close to 13% per yearwith a significant partial payment on July 9 (USD 8.33 every 100 nominal value). To diversify, they are also included local actions of solid companies and with robust foundations, such as Northern Gas Transporter (TGNO4), Energy view (view) either Free Market (Meli). This mix allows you to capture specific increases from the Equity without being completely exposed.

“It is a portfolio designed for conservative profiles looking for shelter in pesos, but without resigning opportunities for return in dollars or selective exposure to the Argentine equity,” They explain from IEB+.

Moderate profile (middle horizon)

In this case, the investor tolerates some more risk in exchange for better profitability. IEB+ recommends divide capital into equal parts between the LECAP S29G5 and the BONO AL30. In this way it is achieved:

• Exchange coverage and attractive profitability in dollars with the AL30, which also benefits from the compression of Spreads if the country risk lowers.

• A competitive monthly rate in pesos with the LECAPideal for capitalizing disinflation and carry trade.

The ideal horizon for this strategy is 2 to 6 monthsaiming to take advantage of the stable exchange rate and rates still high in real terms.

Aggressive profile (long term)

For those who point to greater returns and accept market volatility, IEB+ proposes a diversified strategy in Corporate fixed income and variable income:

• 15% in corporate negotiable obligations like the PN36o of Pan American Energythat yields around 7% per year in dollarswith moderate credit risk and good liquidity.

• 15% in the bonus A30for its attractive flow of payments and possibility of compression if it improves the Argentine scenario.

• 30% in shares with solid foundationssuch as Meli, Vist and TGNO4, which present good operational margins, low debt and exposure to strategic sectors such as technology and energy.

This portfolio seeks to capture long -term revaluationin sectors that could benefit from macroeconomic standardization and capital entry into the next quarters.

“The key in this segment is the selection of emitters with low exposure to regulatory risk and good financial health. In fixed income we prioritize companies with good interest coverage and sustainable margins, while in Variable rent we look for leading companies with growth potential”detail from IEB+.

IOL: Invest is the new save

From IOL, meanwhile, they emphasize that the bonus can be transformed into a true financial opportunity if it adapts to each profile and horizon.

For the most conservative, they propose bonds adjusted by Cer as the TZX26 (yields inflation +10%), or common investment funds such as “Iol dollar savings plus”, which invests in Ons of key sectors and offers estimated yield around 6.5% -7% per year.

In more dynamic profiles, the “IOL Portfolio IOL Fund enhanced”, with a diversified portfolio in bonds, actions and yield, actively managed by the strategy team. In addition, they insist on the simplicity of the Simple MEP dollar as a fast and safe way to dollarize at the best market price.

Reba: The rule of 50/30/20 and the power of the investment profile

From Reba, on the other hand, they propose a simple formula to guide the use of the bonus:

• 50% to savings in dollars (MEP, yield, or direct purchase),

• 30% to instruments in short -term pesos (fixed deadlines, FCI),

• 20% to payment of debts or postponed consumption.

“The key is to know the investment profile: conservative, moderate or aggressive. From there you can choose adequate products without the need to be an expert,” Vanesa di Trolio, Business Manager of Reba.

Conclusion: Opportunities for each profile

Beyond the profile, experts agree on one point: avoid impulsive decisions and diversify. Recent stability does not guarantee that the scenario remains without shocks, but allows you to think in the medium term with greater predictability.

The bonus can be the entrance door to a more robust and professional financial planning. Whether with Lecaps, Cer Bonds, Dollar MEP or Cedears of leading companies, the important thing is to start.