Depending on the risk profile, the Cocos team offers different options for those who wish to allocate the bonus to savings and investment.
For this type of profiles, who seek stability and predictability in their investments, we have weighted fixed income. This strategy combines a Negotiable Obligation (ON) and two Common Investment Funds (FCI), one in pesos and the other in dollars to provide diversification to the portfolio.
. 70% to the FCI Cocos Ahorro USD, made up of various ONs, some of the safest on the market, and also a large weight in T-Bills, US Federal Reserve bonds that are classified as the safest assets in the world. The FCI estimates to yield between 4% and 4.5% annually
. 20% in YMCIO, YPF ON with maturity in 2029 but that begins to return capital in 2026, leaving a duration of two and a half years to recover the capital invested, that is, mid-2027. This ON provides an approximate return of 7.25 %
. 10% to the FCI Cocos Daruma that invests in Fixed Income instruments estimating to provide a return higher than that of a fixed term. This fund offers an approximate TNA of 40%, which is currently the best option to remunerate your pesos.
Moderate portfolio
Largely composed of fixed income but in a diversified manner, both in assets and currencies.
. 40% to FCI Cocos Ahorro USD and 30% to FCI Cocos Daruma from the previous portfolio.
. 20% in BPY26, a sovereign bond issued by BCRA maturing in 2026. It currently offers a yield above 9%, paying interest coupons 4 times per year.
. 10% in CEDEARs. We currently highlight Mercado Libre (MELI) and the Oil & Gas sector of Argentina, seeing Vista (VIST) as attractive. For those looking for lower volatility, the CEDEARs of the Dow Jones ETF (DIA) that invests in major US industrial companies.
Aggressive portfolio
. 10% to FCI Cocos Ahorro USD as a liquidity measure for future opportunities and 45% to FCI Cocos Daruma from the previous portfolio.
. 25% in CEDEARs that can be those mentioned in the previous portfolio or also consider alternatives such as Google (GOOGL) and Amazon (AMZN) or Coca Cola (KO) as a more stable option.
. 10% in local stocks. Although we understand that they have been increasing a lot, we consider that facing 2025 we must be selective in Argentina. That said, companies linked to Vaca Muerta are the ones we see the greatest potential for next year. YPF (YPFD) and Pampa (PAMP) are two companies to consider.
. 10% in Sovereign Bonds. An interesting alternative is AE38, which currently performs at a lower rate than other sovereigns and is one of those that offers the best interest coupons to investors.
Cocos Capital Financial Advisor
Source: Ambito
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