In the last days of June the payment of the bonusthe first supplementary annual salary paid by workers in a dependency relationship and which is equivalent to 50% of credit highest perceived last semester, and, in the current context, the great unknown is how to invest it to protect that extra money from inflation and the devaluation of the peso.
One of the options most contemplated by workers is the traditional fixed term. It is worth mentioning that one of the advantages of this alternative and that places it as one of the the most chosen by the majority of savers is that it is a instrument already known and low risk that allows liquidity relatively fast (30 days).
With these one-month placements, it is possible to an extra thanks to the interest it generateswhich after the latest decision of the Central Bank (BCRA) not to modify the rates after knowing the inflation data for May, offer a nominal annual rate (TNA) of the 97%, with an effective monthly return of 8%.
Fixed term: how much can be earned by investing the bonus of $100,000 in 30 days
With these data in mind, it is possible to calculate how much a person can earn with this type of investment. For example, if a person collects $100,000 in June supplemental annual salary payment and makes a 30-day placement, at the end of that period, You will have in your account the sum of approximately $108,000having generated interest from $7,972.60.
Whereas, if you decide to reinvest the principal plus interest for a year, taking into account that the effective annual rate of the traditional fixed term is 154%, you will have around $254,000 at the end of the year.
Fixed term: if the Christmas bonus is $360,000 for 30 days
Meanwhile, if a worker received a first installment of the bonus of $360,000 and a 30-day placement would achieve a total of $388,701.37given that the interest obtained in that term would be around $28,701.37.
And, in the event that he chose to renew the placement plus interest every 30 days for a year, with the current effective rate of 154%, he would obtain a return of $554,400 in that termthat is, he would have a total of $914,499 in his account.
Fixed term: the profit at 30 days
If a worker has received a maximum salary of $300,000 per month at some point in the yearwould correspond to a Christmas bonus for June $150,000. And, if you decide to invest in a fixed term at 30 days that money would have a total of $161,958.90 at the end of that period, having generated interest of $11,958.90.
In the event that said period ends and the saver decides to renew the initial placement plus interest every 30 days during a year, in the end I would have one profit of $231,000so that at the end of that year he would add a total of $381,000approximately.
These data are important for the saver, since, in the current context, so volatile due to the electoral variable, it is convenient to take into account what is the result of placing a fixed-term sum in the main banks of the country, how much interest can be earned and how to compare those results with the depreciation that The weight suffers from the accelerated increase in the general price level, which in May slowed down compared to the previous month and stood at 7.8% (against 8.4% in April).
Source: Ambito
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