Who can allocate the Complementary annual salary (SAC) Savings or investment are today a scenario other than from previous years: the peso begins again to act as a relevant financial asset and the dollar is no longer the only alternative. The stability of the exchange rate and the partial opening of the CEPO opened the way to more sophisticated strategies, such as the Carry Trade, which once again collects prominence.
We believe that it still makes sense to bet on this strategy, especially if a sustained low inflation. In that context, the annual 30% nominal rates remain very attractive.
And although sometimes the carry is associated with more aggressive profilesit can also be part of moderate or conservative wallets. For those who prefer a more cautious alternative, a good option is to access these rates through common investment funds, delegating administration to specialists.
Conservative profile
Objective: Preserve capital, obtain performance without assuming volatility. Liquidity and predictability. Ideal for customers who want to sleep quietly, but without leaving the money still. Next, we recommend:
• 60% in FCI Cocos Usd Savings (Cocoaousd), composed of varied ONS, of the safest in the market, with an estimated TNA of 3.75%. Ideal for those who seek to protect their capital and obtain profitability in USD without assuming high levels of risk and having it to make payments or retreats 24/7.
• 30% ONS A balanced instrument between duration and performance, backed by high -credit companies. They allow to build a dollarized wallet, with semiannual coupons and a mix between middle and long deadlines, ideal for generating constant flow and sustaining a conservative strategy in hard currency.
or mgcod (pampa) expiring 2034 that is paying around 7.9% per year. Issued by one of the largest companies in the energy sector, with excellent payment history and strong presence in Vaca Muerta.
o PN35D (PAN American Energy) expiring 2029 that is yielding 7%. Issued by one of the leading companies to electricity and gas generation.
o IRCOD (IRSA) expiring 2029 that is paying 7.25%. Issued by the main company of Real Estate in Argentina.
• 10% daruma coconuts (cook) With an estimated 34%TNA, ideal as a tactical reserve for those who seek profitability without resigning immediate availability.
Moderate profile
OBJECTIVE: Yields with some exposure to growth and coverage. Balanced, with peso rate, dollar coverage and exposure to companies with growth potential. We suggest:
• 35% in FCI Cocos Plus (Cocosusdpa) invests mainly in local and international fixed income assets, with an estimated 8% TNA seeks to combine stability with attractive profitability for those who have a long -term medium -term investment horizon.
• 25% ONS MGCOD, PN35D, IRCOD They remain from the previous portfolio.
• 25% FCI in darum coconut pesos: It remains from the previous portfolio.
• 15% Actions of the Energy Sector (YPF, Vista, Pampa). Companies linked to Vaca Muerta, where we maintain a very optimistic vision: month by month, production records are beaten and the main companies show a growing operational efficiency (higher income and lower costs per barrel). It seeks to take advantage of the attractive rates of the market in pesos, combining them with dollars that give it a certain shelter in the face of scenario changes.
Aggressive profile
Objective: Maximize returns, accepting risk and volatility. Designed for profiles looking for return and know how to move with the market. We advise:
• 35% Actions (YPF, Pampa, Vista) remain from the previous portfolio and Cedears (Google Tech company in the United States, very lagging compared to the rest of the magnificent 7 and beaten in the career of artificial intelligence; cloud, the largest digital bank in the world, with a strong presence in Brazil and Mexico. The company continues to grow in double digit of customers does not stop expanding, which makes it a solid long -term commitment).
• 10% fund in pesos Daruma Cocos remains from the previous portfolio
• 20% fund in pesos Total return coconuts (coconuts plus RT), with an estimated 40% yield investing in fixed and variable income instruments with greater duration. In the current scenario the weight begins to act as a relevant financial asset.
• 25% long sovereign bonds
or the GD41 It is ideal for those who seek to ensure current rates (today it yields 11%) and position themselves with an valorization perspective if the country risk lowers. It is a long -term medium play, with a lot of capital recovery potential.
or the AL30 It offers greater liquidity and a closer payment curve, since its amortizations are in January and July. In addition, it is one of the bonds with the highest operated volume on the market, which facilitates the exit and rotation if the context changes.
• 10% Fund in dollars Cocos Plus: It remains from the previous portfolio
Gold Cocos Financial Advisor
Source: Ambito
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