As workers in a dependency relationship charge the bonus, the doubt arises on how to invest it in a practical and simple way. At this point, there are three very popular alternatives: dollar, Fixed term and a Money Market Investment Fund. Now, What is the best option?
Those who have savings capacity can take part of their bonus and make it easily in dollars. Today, as there is no exchange rate, you can buy the American currency very easily.
It is possible to acquire Official dollars directly from the bank account, at a price of at least $ 1,280or buy MEP dollar at a value close to $ 1,276.
The problem of buying dollars is that, in the current macroeconomic context, it would be a Los Los Aldedora.
“I do not recommend buying dollars, even if the exchange rate is going up in the last three weeks (approximately 6%), unless you have already planned to make a purchase or a trip, for example. Dollars saved in the mattress have been a bad protection,” said the financial advisor Federico Oliva.
On the other hand, is the classic Fixed term. In a few clicks, the bonus weights can be overturned to this bank savings vehicle that offers an annual nominal rate (TNA) 32%.
In this way, a nominal gain of between 2.7% and 3% is achieved, depending on the bank, per month. Therefore, it serves to face inflation, which is estimated to be below 2% monthly until the end of the year.
However, we must not forget that a fixed period forces savers immobilize capital for 30 daysso it is not convenient if an emergency arises that demands to take money in advance.
In turn, the Common investment funds (FCI) of the money market (“Money Market”). These vehicles take the money from many savers and invest it professionally in different financial instruments.
Being the monetary market, they bet on paid accounts, fixed deadlines, ciones and, in some cases, Treasury Lecaps. Consequently, the average annual profitability offered by 30%ranges.
“The FCI Money Market is fine for those who have no knowledge to buy a punctual LECAP, even if you have lower performance, especially for the rise of lace to the banks for these funds. You always have to look for the platform or bank that offers you better rate,” Oliva advised.
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An extra option: negotiable obligations
And for those who have some more knowledge, a very good option to invest the bonus are easily Negotiable Obligations (ON) or corporate bonds.
“As I like telling my customers, buying a negotiable obligation is buying dollars and letting them work. That is, Matás two bird birds, making a single movement,” said the financial advisor Arian Chiarandon.
According to the specialist, on the annual yield of between 7% and 8% in dollars and pay periodic interest. In addition, they have a very low entry barrier, about only US $ 100 in many cases.
Meanwhile, they offer tranquility for predictability. “You are ensuring some profitability for a period of time, knowing that in the future you do not know what will happen. Therefore, I think that today is another important point of the negotiable obligation,” said Chiarandon.
Source: Ambito
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