In 2023, the payment of utilities It must be done between March 27 and May 11. This social benefit for Peruvian workers is made up of the net earnings of the companies in 2022. The beneficiaries are those who are on the payroll, their companies generate third-category income and have more than 20 employees. ”This year the strategy will be to protect our capital and the purchasing power of money, the local scenario establishes a challenge to invest and manage savings’‘, explains Renato Peñaflor, professor of Economics and Business at the USIL Graduate School.
The disbursement of profits and bonuses is an opportune moment to work the money and generate profitability and surpluses. Deposits are calculated based on the days worked and the remuneration received. The percentages are assigned according to the industry to which the company where you work belongs. In this article, learn about five options to allocate this income, whether in a bank, savings bank, insurance company, investment or personal plans.
- in an insurer: In insurance companies, the advisor can recommend investments with guaranteed rates or variable investment where the money is invested in portfolios of different themes, for example: insurance that invests 100% in stocks abroad, for a client profile who is willing to assume short-term volatility in exchange for potential high returns in the medium and long term.
Others are traditional term deposits, for the most conservative people, to investment in shares for the most risky. ”Given the changing situation we are experiencing, the most important thing is to seek advice from investment specialists so that they can provide us with an investment recommendation with a diversified portfolio”, shares Javier Gamboa Manager of Financial Insurance and Pensions at RIMAC.
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If the investor is conservative, the recommendation is to go for a term deposit or investment insurance with a guaranteed rate, because from the beginning it is determined how much money is going to receive when the investment term expires, the specialist extends in investments.
- In a bank: There are opportunities in simple savings instruments, which can protect your money from inflation with a low risk profile, such as short-term certificates of deposit and high-yield fixed-term deposits that can be found in the financial system. For this step, it is necessary to evaluate the solidity, track record and reputation of the chosen entity, as well as the scope of the deposit insurance.
”In a Fixed Term Deposit, the rate of profit will not be affected by the local or global situation, it is calculated and maintained with the rate offered at the beginning of the contract.” adds Ricardo Kanna, manager of Products and Means of Payment at Banco Pichincha. In the Peruvian market, there are various financial entities that offer Fixed-Term Deposits, and among these Pichincha that offers, until March 31, one of the highest rates in the country with up to 8.60% Annual Effective Rate of Return (TREA ) in soles in a period of one year.
- Investments: For more sophisticated savers, there are also exciting opportunities in inflation-adjusted bonds, corporate bonds in sectors with exciting prospects, and stocks that tend to pay handsome dividends. From Peru, it is possible to invest in international markets with the security that a specialized advisor can provide.
For example, structured notes are an investment alternative that combines fixed income and variable income instruments, among others. The benefit is that the return potential is high with less risk, it is managed by an intermediary, and it can generate returns that are higher than those of the local fixed income market. ”It is a flexible product, it has investment terms of 2 to 5 years and you can have a return that varies between 7.25% and 10.75% per year.”, details Gonzalo García Arboccó, Commercial Director of MFX Prime.
- Box: These entities, for some time, have stood out for offering returns above traditional options such as banks. For Carlos Simón, deputy manager of administration and finance at Los Andes, today the market offers attractive rates and competitive returns.
“The saver with a conservative profile, who wants to bet on an investment with a return pre-established by the financial institution, can opt for a fixed-term deposit. Today, we handle rates ranging from 9.05% for 1 year to 9.25% for those who prefer to leave their money for 18 months. The opening amounts range from S/100″, commented Simon.
- Personal plans: This year continues the possibility of recovering those savings whose function is to protect the person from periods without income, such as the CTS. ”The rates offered in banks and savings banks are quite attractive and have considerable benefits, such as promotions and discounts on consumption. There are very attractive offers in this regard, so we must evaluate the alternative that best fits our preferences and needs.” recommends Peñaflor, from the San Ignacio de Loyola University.
FACT
It is important to evaluate the investment profile and the financial objectives, depending on these variables you can determine in which investment alternatives we should place the money so that they fit with the needs and the risk-return profile. The great advantage is that in the country there are alternatives for all investor risk profiles. The key is to be advised.
