Bonus 2024: what to invest in to make it perform and confront the dollar and inflation

According to law 27,073, it is important to remember that the first installment of the SAC must be paid, at most June 30. However, this period may be extended up to four additional business days, which means that this year the payment can be made until July 6, 2024.

The arrival of this additional income provides an excellent opportunity to invest it and thus increase its value in the futureprotecting it from a sudden rise in dollar and inflation.

And as the investment advisor maintains, Gaston Lentiniin dialogue with Ambit, This bonus comes in a context where “if everything goes well”, inflation will stabilize around 5%, which means that our competitor or our investments They should aim to yield about 5% or more, per month.

Bye fixed term: it is not an option

Lentini, as always, does not recommend placing the pesos in a fixed-term deposit. Well, as explained previously, today this instrument performs about 3% monthly. And, against an expected inflation for May, close to 5%,” It is not a great idea, because we are going to be losing purchasing power just by making that decision”Warns Lentini.

Lecaps: the option that the market is looking at

So, a concrete possibility may be to invest in Lecaps. According to Letini, these bills are a type of short-term bonds that the State also issues, and they are having yields closer to 4%. “Although it still does not make us earn money or purchasing power in the face of inflation, it does “It allows us to lose less than the fixed term.”

The economist expresses himself along those same lines Gustavo Berwho responds to this media’s query that, depending on the profile and need for said funds, Different alternatives could be evaluated.

“Assuming a conservative saver, and if such funds are required in the short term, they could place them in short-term Lecaps, or a Common Investment Fund (FCI) that includes said instruments.” On the other hand, and in the case of having a more extended horizon, Ber affirms that a still conservative investor could evaluate alternatives such as Negotiable Obligations (ONs) in dollars.

For example, for a conservative profile, the market weights the ON of Pan American Energy, which yields almost 7% annually, while for someone with a moderate profile, operators suggest one of the ONs of YPF, which yields just over 8%. % annual.

Lentini agrees with Ber that another possibility, perhaps for those who are thinking of using the money in the short term, another option is the classic purchase of MEP dollar. Particularly after the recent jitters that shook the market, and that correction, which is expected to extend until early June.

Bonus 2024: other investment options

For a profile between moderate and aggressive, Lentini recommends looking for bonuses, such as the Bopreal that expires in 2026 and has a return of more than 15% annually. The alternatives for more experienced investors are to buy sovereign bonds, such as the Global 2035 (GD35). Is about Titles which have the particularity of being subject to New York law, That is to say, if there is a default on the part of the Argentine State, it presents a higher level of security than bonds governed by national law.

Finally, for investors with an appetite for risk, the Doctor of your Finances, as Lentini is known on social networks, recommends stocks, above all, those related to the energy sector, as Pampa Energía, YPF or Cuyana Gas Distributor. In this case, the strategist’s suggestion is “always think in terms longer than 12 months”.