The Christmas bonus payment arrives: what to invest it in to beat inflation and the dollar

The Christmas bonus payment arrives: what to invest it in to beat inflation and the dollar

The Christmas bonus will be paid next month and, in the current inflationary and devaluation context, it is important to protect its value. Analysts recommend how to invest that extra income.

There is little left for June, the month in which the first installment of the Complementary Annual Salary is collected (SAC), also known as bonus, what is equivalent to 50% of the highest credit received last semester. In addition, it is important to mention that, for said account, the base amount of the salary is taken, that is, excluding any bonus that could have been collected. This is an important extra income for workers, who can allocate it to consumption or savings. And, for those who opt for the second option, in the current context of economic uncertainty and high inflation, it is important to think What should you invest that money in to get the most out of it?.

One of the variables to take into account when deciding what to invest in is the period of time in which the money will need to be available again. In that sense, the CEO of Cocos Capital, Ariel Sbdarconsiders, in dialogue with Ambit, that “the shorter the term, the lower the risk that must be taken in the investment”.

What can I invest my bonus in?

Thus, Sbdar points out that, among the most outstanding options to choose from, are “the MEP dollar purchasewhich provides capital protection at a price lower than the informal exchange rate, and Argentine Treasury billswith attractive interest rates and the possibility of liquidity before maturity”.

It also indicates that “investors may choose to assets such as the NOs Pampa Energía 2025 with a rate of 4% in dollars, the Technological CEDEARs and many other options available on the Cocos Capital platform, where you can acquire various assets without commissions or investment limits, and even receive personalized advice with the GOLD subscription option”.

Dollarize, an option for the less risky

Another consideration to take into account when investing is the level of risk that you are willing to take. For risk averse investorsaccording to Elypsis economist Joel Lupieri, “the most advisable thing, in this context of uncertainty, continues to be the active purchase of dollars”.

“Dollarization seems sensible, as long as inflation is expected to remain persistently high and there is no change in the economic direction,” he says. lupieri and explains that this is what could be called a “defensive strategy”.

At the same time, it highlights that, as a counterpart, this option “does not seem to have an expected return beyond what could be generated if the peso devalues ​​sharply”.

For risk lovers

“On the other hand, for those who want to take something more riskyor they can afford not to suffer so much from the loss of part of the investment, the buy shares either state titles can be attractive. These could have a good return in the long runto the extent that the economic variables normalize and there is a comprehensive plan that sustains growth,” says the Elypsis economist.

For his part, Javier Marcus, business manager at Southern Trustensures that “given the levels of inflation and the possibility of devaluation, the best alternative is to invest in a balanced background that offers inflation and exchange rate coverage.

He indicates that “there are several that offer a private risk asset mix to have coverage for both variables in the same instrument”. And he points out, in this sense, that, for example, “the ST Infrastructure fund provides a balanced portfolio of assets adjusted for inflation, official dollar and MEP very attractive for this part of the year”.

Source: Ambito

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