In a context of exchange volatility and government monetary adjustment, some banks already pay up to 55% TNA at 30 days. With that yield, a fixed term of $ 1 million generates a gain close to $ 30,000 in a month.
The interest rates of fixed deadlines 30 -day retailers were climbing again. The Annual Nominal Rate (TNA)which marks the performance of the placements, climbed in some banks to the 55%well above inflation in recent months, which was below 2% monthly.
In this way, fixed deadlines recover attractive as shelter tool in pesosin a scenario marked by exchange uncertainty and the expectation of greater pressure on the dollar in the previous electoral.
Ranking of banks for the fixed term: who pays more
According to data surveyed in the financial system, this is ordered by the entities that today offer the best interest rates for a fixed a retail period of 30 days:
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CMF Bank – 55%
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MERIDIAN BANK – 54.25%
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BICA BANK – 54%
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Bank Province of Tierra del Fuego – 54%
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VOII Bank – 54%
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Reba Financial Company – 54%
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Mariva Bank – 53%
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Mortgage bank – 52.5%
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Córdoba Bank – 52%
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Regional credit – 52%
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Sun Bank – 51%
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BBVA – 51%
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Current Bank – 50%
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Macro Bank – 48%
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Nation Bank – 47%
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Creicoop Bank – 47%
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ICBC – 47.7%
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Galicia Bank – 44%
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Bank Province of Buenos Aires – 45%
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Dino Bank – 45%
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Chubut Bank – 42.5%
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Julio – 42% Bank
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Bibank – 42%
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Santander Bank – 38%
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City Bank – 35%
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Formosa Bank – 32%
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Bank MAS SALES – 30%
Investments fixed term
Depositphotos
With the highest rate on the market (55% TNA in Banco CMF), a fixed term of $ 1,000,000 to 30 days generates one Gain of approximately $ 37,200 net in a month. This is equivalent to a Effective monthly rate (TEM) of 3.7%, above inflation.
If the deposit was renewed every month to the same yield, the investment of $ 1 million would be transformed into almost $ 1.55 million in a yearthanks to the compound interest.
In this scenario, fixed deadlines resurface as an attractive option to Conservative savers that seek to beat inflation and at the same time avoid the volatility of the dollar. However, the sustainability of super rates will depend on the evolution of monetary policy and the electoral result, Factors that will continue to mark the market pulse in September.
Source: Ambito
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