Infallible investment: the fixed term “carousel” with which you earn almost 200%

However, the return that generates a fixed term you can add another maneuver that allows a gain of 200%. What does it consist of?

How much do you earn with a fixed term today?

With the last rise in interest rates set by the Central Bank (BCRA) -from 91% to 97%- deposits of up to 30 million pesos made by individuals, the new guaranteed annual nominal rate floor (TNA) is 97% -before it was 91%- for 30-day deposits, which represents a monthly return of 8.08% and 140.51% effective per year, in the event that the capital and interest obtained are reinvested every 30 days every month.

How is the fixed term “calesita”?

Taking these data into account, there is an alternative to what the analyst Salvador Di Stéfano called “calesita or staggered fixed term”. It consists of making three different UVA fixed-term placements for the same amount, but at different times.

The logic of this mechanism is that after waiting for the first 90 mandatory days of reserve requirements, renewals begin to be made every 30 days for a fixed UVA period. “The rise in prices of the economy is the pillar of this investment and it is updated if more inflation is measured, so a fixed term provides an income similar to the behavior of prices in a whole year, which we estimate will be 200% in 12 months”.

This expert even maintains that with the fixed-term UVA “merry-go-round” (or “staged”) it is possible to “earn more than with the dollar bill”.

Fixed term: what are the steps to obtain a return of 200%

The calesita or staggered fixed term is based on deposit three precancellable UVA placements at the same time and for the same amount, but at different maturity periods in each case, with a difference of one month from each other. That is to say, one at 90, another at 120 and the third at 150 days.

This way, as soon as the first of these deposits is due, it is renewed with the interest earned the minimum time possible by the financial system, which is 90 days. Therefore, the same thing is done every time there is a maturity and thus begins to “build” the merry-go-round that leads to the conclusion of a fixed-term placement every month, which is reinvested together with the income obtained.

“By waiting the initial 3 months required for all cases, the expiration wheel or merry-go-round is being assembled, since a UVA fixed term will be available to renew every 30 days,” Di Stefano clarifies. One detail that should be taken into account is that this analyst’s suggestion is that of make a fixed term UVA precancellable version, which is the option that makes it possible to redeem the capital invested from 30 days after the constitution onwards.

The problem with this option, which allows you to get money before 90 days, is that in case of “triggering” that benefit, it is that in return an income similar to inflation will not be charged rather, a fixed pre-cancellation rate will be received that applies to deposits with an early cancellation option in UVA, established by the central bankthat is of 91.80% annual nominal (TNA).

Therefore, in that case of activating the “early departure” you will not only receive an income much lower than the estimates that reach up to 200% of inflationbut it will also be less than the profit granted by a traditional fixed term of 97% per year, whose minimum reserve period is 30 days.

Fixed term: how to make a fixed term calesita

In practice, to make a “staggered” UVA fixed term, it is necessary to establish three placements for the same amount but at different maturities. So, if you have $150,000 available to invest, you have to distribute it as follows:

• A first UVA fixed-term deposit pre-cancellable at 90 days for $50,000.
• A second placement, for another $50,000, for a period of 120 days.
• Make a third UVA fixed term, also for $50,000, but for 150 days.

Through this mechanism, in the first 89 days there will be no maturities, but after the 90th day the first fixed term will expire, and it is suggested to renew it with the interest earned for another 90 days.

Thus, one month after the first expiration, on the 120th day of having made the three initial placements, the second UVA fixed term will expire, which is also suggested to be renewed together with the interest earned for 90 days, in order to gradually increase the rent.

The same will happen on the 150th day of having made the three deposits, since that is where the third UVA fixed term made initially will end, and which is now proposed to be reset to 90 days, which is the minimum time allowed.

In conclusion, a fixed term will be renewed every 3 months where the profits accumulate generated with the initial capital plus the interest obtained up to that moment.