Fixed term vs virtual wallets: where it is convenient to invest the weights today

Fixed term vs virtual wallets: where it is convenient to invest the weights today

February 27, 2025 – 11:50

The fixed deadline rate remains in a continuous decrease, which generates that more than one investor wonder whether it is convenient or not put the money there.

He Fixed termafter the decline of the monetary policy reference rate that began to govern on January 31, lowered the yields, however, The app today pay greater interests and allow moving money without restriction.

It should be remembered that the reference rate that validates the Central Bank (BCRA) decreased from 32% to current 29% annual nominal rate (TNA). That interest represents 2.38% every 30 days, Above monthly inflation, which the last data was 2.2% last January.

In the case of fixed deadlines, interest is between 25% and 27% of TNA. This represents a range of a range of 2.05% to 2.22% every 30 days. Santander, BBVA, Galicia, Banco Nación or Banco Ciudadpay a 25% annual.

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Virtual Wallets: The best option today

The Rates paid for their customers clients also range on a day -to -day basisso it is important to emphasize that pre -established yield is not guaranteed. Behind the returns there are common investment funds in which user money is invested.

He Capital Cocos FCI pays 32.2%, while the remunerated account of Ulá It does with 32% but with a limit of $ 750.00, it follows Orange x with a 29% yield and a limit of $ 600,000. Subsequently, the Pay personnel FCI with 27.2% and Payment market with 26.1%.

The main one difference between a digital wallet, as a payment market, and a traditional fixed term Banking is that the first allows to dispose or use the funds invested at any time. Instead, one bank placement requires a minimum permanence time of 30 days. Something that hinders the liquidity of the saver but ensures predetermined gain.

Source: Ambito

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