Aguinaldo: What are the best investment alternatives for conservative profiles

With the arrival of June, the workers in dependency relationship They begin to collect the medium Aguinaldo. For those who should not allocate it to the payment of immediate debts or consumption, a key question arises: How to invest that money intelligently?

Currently, in the local capital market, there are multiple options to put to work the weightsbut those who are conservative and do not want too much volatility will have to resort to Fixed Rate Financial Vehicles.

In what to invest the bonus: classic alternatives

According to the financial consultant Omar de Lucca, he Fixed term and the Stock sacks They are still attractive, since they pay around a 2.5% per month, When inflation is already running at a rate in close 1.5% monthly.

However, for this reason, soon the yields could be cut. “The issue is that month by month, interest rates are adapted to the evolution of inflation. That is a main point for investors to become aware,” said the specialist.

Therefore, he advised to observe some Negotiable obligations (ON) short -termto pay a quick income in a period of between three and four months. And with a longer time horizon, there is the possibility of pouring weights, or dollars, in investment funds of the real economy.

“There is the possibility of participating in a crowdfunding project, where each investor puts what he can put and the company with what he collects can produce an attractive income that is normally in dollars,” He commented by Lucca.

On the other hand, from ADCAP Financial Group directly indicated that a good way to invest the bonus conservatively is through a combination of Money Market funds in dollarsShort -term ONS also in hard currency and BOPREALES.

“ADCAP Grupo Financiero proposes a portfolio with a focus on capital protection. This implies that they are investments that point to a saving of greater term,” The experts in charge of the portfolio held.

Aguinaldo: The keys before investing

For its part, the Investment Advisor Mariano Pantanetti Capital recommended pouring In high liquidity fixed income investment fundswhich can return around 4% per month.

However, the Executive clarified that it is ideal that savers first take advantage of the bonus to Check your heritage position and reduce or restructure debts.

“This means: analyze the liabilities they have, see what total financial cost they have, but not the annual nominal rate, which is the data with which most people are handled,” pointed out. “You have to analyze the debt that is generally expensive in terms of total financial cost and cancel. For example, credit card debt, in addition to the rate, has taxes on seals, in some provinces it has life insurance, it has a lot of extra expenses that when you add everything gives you a total financial cost of sometimes 80%or 90%. In an inflation scenario of 25%, it is a expensive debt.