Ambit consulted various specialists what are they trying guide our actions in terms of investment decisions. It is worth remembering that, in each definition in this regard, the “risk profile” of each saver and a temporal horizonwhich is in line with your financial capacity. In other words, the diagnosis must be the same as that received in a medical treatment that is adapted to each particular patient.
What to invest $50,000 in today
Suggestions from Fin Lab UADE
From the End Lab UADE, Flavio Castroits coordinator, highlights that in this context of high uncertainty and international and especially local volatilitythe dollar operates as the most required asset at the time of refuge. According to the research report prepared by the Institute of Social Sciences and Design Disciplines (INSOD) of UADEbased on a survey on personal finances with the aim of inquiring about the uses and customs of these, it was confirmed that 57% of those who save prefer the US currency to hoard.
Nevertheless, for a conservative investor who wants to preserve his capital in a short time horizon and low volatilityit is advisable arm yourself with a portfolio that contains a composition of Mutual Investment Funds (FCI) (40%), Placement of funds in stock market escrow (twenty%) and de Fixed Term UVA that adjust for inflation (40%), suggests Castro.
For its part, the ICFs of money (“Money Markets“) and of Short-term Fixed Income with settlement in 24 hours they represent an easy way to access a fully diversified investment portfolio managed by professionals that can be entered with a low outlay. Another advantage they present is their simple approach through different channels such as virtual wallets, home banking either customer accountsrecalls the economist.
Meanwhile, the option of the fixed term UVA presents a plus of yield for adjusting periodically according to the inflation. “This type of asset gains greater value when it is given in a scenario in which there are no anchors that set expectations that allow the price level to fallwhich has contributed to the annual inflation forecast is projected according to the REM at 90.2%”, says the financier. In any case, it must be taken into account that the capital must remain immobilized for 90 days.
Another alternative, add Castroit can be that of suretiesthat They work in a similar way to the fixed term. A money loan is made to the borrower and at the end of the period, the principal is obtained plus interest that the borrower pays. The entire operation is backed by the titles that are guaranteed by the counterparty. This type of asset stands out for its liquidity benefits, since it can be operated in terms of 1.7, 14 or 30 days with fixed interest rates ranging from 38.5% to 50%.Explain.
Consultation Recommendations
In contact with this medium, Thomas Ruiz Palacios, Fixed Income Strategist at Consultatio Financial Servicesrecognizes that among the most attractive investment alternatives today certificates of deposit stand out Argentinian (Cedears).
“After the adjustment of the cash dollar with liquidation from $340 to $290 and having a North American market that rebounded from lows, but continues to be at extremely cheap valuations, these instruments once again represent an interesting alternative”maintains the analyst.
In this sense, it weights the ETF Cedears that replicate indices such as the S&P 500 (SYP) and the Nasdaq (QQQ). “For the long term, they allow dollarization and minimize the risk that you have when you buy a share of a single company separately”comment.
The specialist also mentions a FCIthe Balance Fund fixed income, which adapts to market changes and It is suitable for all risk profiles. This fund is composed mostly of CER bonds (70.1%), and then by Fixed rate securities in dollars (16.2%), Linked dollar bonds (5.3%), money market (4.2%), Fixed rate bonds in pesos (23%) Y equities (1.2%).
Tips from Inviu
For his part, the Inviú Research teamin contact with this medium, suggests for conservative profiles the
Y intended to remunerate short-term liquidity.
Another that stands out is the Galileo Argentinathat its objective is to appreciate the capital through a diversified portfolio mainly of Linked dollar bonds, with the particularity of not having holdings in sovereign titles, but rather is concentrated in private debt.
As for the individual selections, suggest the LECER to January (X20E3). “We recommend keeping it until a date close to expiration to take advantage of the possible compressions that it may show if inflation expectations continue”, they point out
for a more aggressive profilefrom this company, advise position yourself in stocks like those of Galicia Financial Groupgiven that they have the advantage of being among the most liquid in the S&P Mervalwaiting for a turning point in the negative trend on domestic assets. And they also weigh the papers of Ternium Argentina, since they are able to provide “insurance” against increases in the dollar, given its attractive positive correlation with the price of that currency.
For their part, they recommend Cedears of VistaEnergy, “being considered a strategic company for the development of Vaca Muerta and with very solid fundamentals“; and those of Free market“since after the strong price correction it presents a good opportunity, adding regional diversification”.
In summary
These are the investment suggestions that can be accessed according to the specialists consulted.
Source: Ambito
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