Without a doubt, 2024 was positive for most of the financial assets locally and globally, and left investors’ portfolios with a good performance.
However, the beginning of another year is perhaps a good excuse to review positions in the face of the challenges that lie ahead, and put ourselves new objectives. Also understanding that, already at these levels, Greater selectivity is good advice.
What to invest in in 2025: option for a conservative profile
If we think of a conservative profile -those looking for a safer return- an interesting alternative to delegate our investment to specialists are the Lecaps Common Investment Funds (with daily liquidity or T+1).
These FCIs They emerged in mid-2024 and are characterized by having, in the majority of their composition, precisely Treasury bills at different terms. Assets considered low risk and short term, who pay a interest rate compounded monthly, and they are a very good option for obtain a short-term return for the pesos.
The interesting thing about being able to invest in them through these FCIs is that the investor does not have to specifically analyze which Treasury Bill to invest in (There are currently more than 20 Lecaps available with maturities ranging from January 2025 to February 2026).
What are these funds looking for? Offer a higher profitability than traditional Money Markets, without losing liquidity, and therefore, also an advantage over a bank fixed term. In recent months, they have maintained a direct return of around 3-4% average per month.
What to invest in in 2025: options for a moderate profile
Continuing with alternatives for moderate profiles, in this case and based on recommendations from our analysts from the Research area in Recommended Portfolios, we propose two sovereign bond options.
In fact, and after the excellent 2024 they had, 2025 is presented as a new opportunity for these assets if a constructive vision is maintained – where the national government manages to maintain economic stability and fundamentally the decline in country risk continues.
In that case, the global bonds GD35 and GD41 They would be good alternatives. Bonds issued under foreign law in 2020 and that do not have a minimum sheet to operate them, with current yields in dollars of the order of 11% and 10.8% respectively. Specifically, these bonds in a scenario like the one mentioned, maintain an interesting upside potential. Analysts recommend them understanding that They may still have an upward trend.
What to invest in in 2025: options for an aggressive profile
Finally, as options for aggressive profiles, in this case we suggest taking into consideration some specific alternatives for local Argentine stocks and Cedears.
In relation to the former, beyond the fact that there are several sectors of the economy that still have growth potential, most analysts agree that The energy sector presents a very good moment and opportunities to invest. The specific cases within the actions that make up the index S&P Merval are YPF (YPFD), Pampa Energía (PAMP), Central Puerto (CEPU) and the Cedear company Vista Energy (VIST).
In the case of Cedears, there are different options depending on each one’s objective. Let us remember here that there are hundreds of Cedears of shares, and also an increasingly wide range of Cedears of ETFs.
Without going any further, since the beginning of December 2024, alternatives were incorporated to be able to invest, among others, in the performance of cryptocurrencies such as Bitcoin and Ethereum, gold, or the main companies in the Chinese market. And, starting this month of January 2025, they will be added 13 new Cedears ETF optionswhich will allow an investor from the local account and in pesos to invest in different sectors and markets.
If we have to mention a few, for example, we have the XLK (invests in companies of the technology sector) and the XLP (seeks to replicate the performance of companies in the basic consumer sector such as food, beverages, etc.).
Very interesting alternatives for investors looking for passive management of their portfolio, and that allows them to diversify, in pesos through Cedears, in different industries, countries and markets.
PPI Senior Analyst
Source: Ambito
I am Pierce Boyd, a driven and ambitious professional working in the news industry. I have been writing for 24 Hours Worlds for over five years, specializing in sports section coverage. During my tenure at the publication, I have built an impressive portfolio of articles that has earned me a reputation as an experienced journalist and content creator.
