The second payment of the Bonus 2022 next Thursday the eighth of December. This is the most anticipated moment for workers in a dependency relationship because they will receive part of the Complementary Annual Salary (SAC).
Finance specialists begin to make the first recommendations when it comes to using the money from the bonus to beat inflation and the dollar. There are various proposals of what to do with the cashfrom Invest Online they suggest instruments to obtain an acceptable return taking into account the profiles of each saver and investment term.
The IOL Research team invert online, suggest inverting the bonus in a fixed income portfolio with which it is estimated to beat the estimated inflation of the next 12 months. It should be remembered that the projection of private consultants estimates that inflation will be above 100%.
In the short term, letter X17F3 must be added, which adjusts capital by CER (assets that adjust with inflation) maturing in February 2023. This measure has an annual yield of 3.9% above inflation. You can also opt for the TX23 bond, maturing on March 23 of next year and yielding 4.5% annually above inflation.
If you have a amount low, a mutual fund is recommended AdCap Wise Capital Growth, whose acquisition has a large portion of CER instruments maturing before 2023.
On the other hand, one must first understand the Negotiable Obligations (ON) as instruments that are bonds issued by private companies that pay coupons and can be amortized in installments or at maturity depending on the conditions of particular, each of the negotiable obligations in question.
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Telecom Negotiable Obligations (TLC50): it matures in August 2025 and offers semi-annual coupon payments at an annual rate of 8.5% and four annual principal amortizations starting in 2023. The ON offers an IRR of 10% to the date, exceeding inflation in the United States.
YPF negotiable obligation (YCA60): the ON in question has a projected annual yield in dollars of 18.4% and its maturity will be in July 2025.
Greater investment with more risk, CEDEARs
Experts also suggest CEDEARs if you have savings goals for more than one year and with a higher risk tolerance, They are assets (in this case from the US) with local operations that represent shares of companies listed abroad. Through this instrument, an Argentine can invest in major US companies without an account in that country.
It is recommended to invest in the world’s most popular mass-selling product, Coca Cola (KO). It is recognized as a “Blue Chip” company because it is profitable, not very volatile and pays high dividends.
Also, it is suggested to invest in Alphabet (GOOGL), in CEDEARs of the ETF of the S&P500 Index (SPY) and the Berkshire Hathaway (BRKB), among the majority investments are Apple, Bank Of America, Coca Cola, American Express and Wells Fargo.
