In an economic context with inflation, preserving the purchasing power of money becomes a challenge for many Argentines. Given this situation, the question arises of cHow to protect short-term savings.In this sense, the stock market securities They are presented as an attractive option to protect the value of money for a few days, although there is also the option of paid accounts offered by digital wallets.
Precisely for this reason, the economist Elena Alonso of Emerald Capital, advises first of all, “look at what the different alternatives are offering.”
What happened in international markets in the last week
“Some virtual wallets are paying up to 85% annuallywith which I would take advantage of the possibility of leaving the pesos there until Wednesday,” he commented,
On the other hand, he added that there is also the option of doing some stock market bond. “It is a good alternative because You are paying around 75% approximatelywhich is good because you set a rate,” he added.
According to his experience, it is possible that “in the case of virtual wallets there is a lack of knowledge that since they do not settle on the day, they do not pay them; however, they pay them all together later on the next day and that must be taken into account” , he assured.
He also recognized as possible to think about some common investment fund of the bank, to be Money Market. “Be careful that it is not just any common fund, because if you choose poorly you can put the money in a longer term and be in a fund that is more volatile, and even lose money, So Money Market which are the rescue ones in the day or in 24 hours”he commented.
The best alternative to invest the long weekend, the deposits
While, Maximiliano Donzelli, Head of Research at IOL, opted for the “fixed terms of the Stock Market.” “The best option to put money on the XXL weekend is stock market guarantees.
Stock market bonds could be defined as “the fixed terms of the stock market” although, it is important to highlight that they have different characteristics that, from our point of view, make them a much more interesting instrument than the traditional fixed term.
“One of the main differences is that, instead of lending money to the bank, you lend it to other investors and with terms of time considerably shorter than those of a fixed term,” Donzelli commented.
“Argentina cannot live with its own, so it is a huge mistake to close itself to the markets”
It is necessary to highlight that Unlike other similar options, sureties are regulated by the National Securities Commission, since the investor who takes the guarantee money must leave securities as collateral. This ensures that those who decide to pledge always collect their share, regardless of the investor’s results.
Regarding how they can be implemented, Donzelli explained that pThey can be made “from one day to 120 days that is to say that nor is the minimum of 30 days of a fixed periodeither. In general, the terms that operate the most are those from 1 to 7 days. Although the rates they operate are usually below a fixed term, they have the flexibility of not having an expiration of 30 to 90 days.”
How much to earn with sureties
Donzelli of IOL assured that with the next long weekend on the horizon, stock bonds are presented as an excellent investment option. “To date, they offer an average monthly return of 5.91% and weekly average of 1.38%,” he said.
And he did a quick math: “This means thatAnd if you invest $100,000 from Wednesday 03/27 to the following Wednesday 04/03, you could generate almost $1,380 in interest, unlike banks that do not provide any returns. It is an opportunity to put your savings to work and make profits during the long weekend, making only 2 clicks,” he said.
The alternative of investment funds
For its part, since Wise Capital, Ignacio Morales shared two funds that he sees as viable alternatives to invest in the very short and medium term. Although in this case they are a more viable alternative for companies than for ordinary investors.
“If we place pesos today in an immediate rescue fund, the profitability for Wednesday of next week would be 1.6%. On the other hand, placing the same pesos in one of the Adcap Balanced Fund X (Wise Capital Saving), with 24-hour rescue, we hope that for the next 9 days it will rise 2.3%,” he commented.
He also explained that another point in favor is the comparison of rates, “since while an Immediate Rescue fund has a TEA of 80%, the Saving It has an IRR of 116% annually. These 36 additional points, plus the possibility of subscribing and redeeming with checks, saving 1.2%, a service that banks do not provide and that is allowed by the CNV, mean that the investment is chosen to manage the short Treasury of the companies. , beyond the 9 days, starting today, of the XXL weekend,” he mentioned,
He also pointed out as possible the Adcap Wise Capital Growth Fund, which has an annual IRR of 120%, while the projected inflation for the next 12 months is 112%, and since it has a portfolio duration of more than 1 year, it is expected that If the increase in the CPI is as projected, the Growth It will beat inflation.
LR