Key for savers: what to invest in thinking about vacations

First of all, it is important to note that Linking our investments to the variables that influence our expenses is of utmost importance to maintain the purchasing power of our savings. So, for example, if a person chooses vacation within Argentina will try your capital increases, at least at the rate of inflation, while a person who vacation outside the country will ensure that their pesos in dollar terms do not decrease.

Having as its axis an investment objective, it is essential in any financial analysis to determine the probable scenarios and know what is expected of the main macroeconomic variabless in the period covered by the investment horizon. To this end, the latest Market Expectations Survey (REM), published by the Central Bank in the first days of December, reflects the expectations of the consulting firms for the next few months of the year and for 2022.

The monthly inflation expectation for the next six months it rose to an average of 3.7%, with a peak of 4% for March 2022. For its part, it is expected that the The nominal exchange rate reaches $ 113.04 in February of the following year. Given these perspectives, the ideal would be to position oneself in instruments that offer both hedging against inflation, as in instruments that are linked to the dollar.

Bonos CER or linked dollar

Now, for those investors who have a conservative or moderate profile, they can position themselves in bonos CER o dollar-linked, either by directly acquiring the securities or doing so through Common Investment Funds such as the Premier Mixed Income in pesos and the Balanced AdCap II, suggests IOL.

The latter seeks to obtain a nominal return that exceeds retail inflation through positioning in instruments adjustable by CER and UVA, focusing mainly on sovereign securities, but with the possibility of investing in corporate and / or sub-sovereign assets. Its historical performance is above the accumulated inflation in the last 6 months. To cite an example, Whoever bought the CER TX22 bond or invested in the AdCap Balanced II fund at the beginning of November of last year, obtained in the last 12 months a return close to 60%, exceeding the inflation rate, the rise in the exchange rate and broadly to fixed-term placements.

It is important to remember that a Common Investment Fund (FCI) It is made up of the contributions of a group of people who have the same profitability and risk objectives. Likewise, as these contributions are managed by a group of professionals, the FCIs become an interesting investment alternative for those who are taking their first steps in the Capital Market.

CEDEARs

And for those investors with a more aggressive profile, another option is to invest through CEDEARs (Argentine Certificates of Deposit) which are financial assets with local operations that represent shares of foreign companies. There are those with low volatility such as Coca-Cola (KO) Y Wal-Mart (WMT), which can be purchased from the Argentine Investment Account in pesos.

Dollar MEP

Finally, there is an additional alternative which is dollar MEP which consists of the purchase of a bond in pesos for its subsequent sale in dollars. It is an operation 100% online, thus avoiding the risk of driving on the street with physical money.

Step by step, how to trade Dollar MEP

The first step is to enter pesos to the invertironline IOL account (aka IOL pesos) through a CBU / CVU. Once the money has already been deposited in the Investment Account, go to My account> Trade> Buy. In “Symbol” they must enter the bonus in AL30 pesos, then select “Immediate Cash”, so that the transaction is settled instantly and the Parking begins to run. In “Amount” you must enter the amount of pesos you want to invest and choose the “Market Price” option, confirm the purchase and that’s it!

From this moment, the investor will have to wait 1 business day for Parking until they can be sold. After that period, go to My account> Trade> Sell, choose the “Symbol” AL30D and select that the operation be carried out in “Immediate Cash”. In “Quantity” enter the number of bonds to be sold and choose “Market Price”. The resulting amount will be drawn from the investor’s Bank Account in dollars.

Now, to make life easier for the inverter, in IOL you can operate Dollar Mep Simple. The operation is very simple and in just a couple of clicks you are already operating. To do so, it is necessary to enter the platform, go to Trade, then Dollar Mep Simple and there add the amount to invest. The GD30 bond will be automatically purchased and subsequently sold as GD30D the next business day after Parking and the resulting amount, as when operating the traditional MEP Dollar, will be extracted from the investor’s Bank Account in dollars.