The Institute of Economics (INECO) of the UADE presented a report that analyzes the main alternatives for investing the year-end bonus (aguinaldo), seeking to offer a clear guide so that workers can decide how to protect the value of their money in a context of gradual disinflation and real interest rates that tend to stabilize. According to the Argentine News Agency, the report proposes a simple sequence: organize, protect and diversify, avoiding impulsive decisions and prioritizing instruments that balance stability, liquidity and performance. 5 Key Points for Investing the Year-End Bonus: Reduce Expensive Debts: The best initial investment is to cancel credit card and/or personal loan balances. Foreign Exchange Coverage: To diversify local risk, dollarized instruments such as the MEP Dollar (on the stock exchange) or Dollar-Linked Bonds are chosen. This decision generates an immediate 'return', equivalent to the avoided interest rate, and allows for the release of future cash flow. Liquidity and Short-Term: Money Market Mutual Funds (FCI) are consolidated as the most used tool to safeguard short-term funds, as they offer low risk and allow for redemptions on the same day (T=0). Anti-Inflation Protection: For the medium term, it is recommended to invest in Bonds and FCI adjusted by CER (Reference Stabilization Coefficient). Anti-Inflation Protection: This type of asset allows preserving purchasing power against possible inflationary outbreaks. Marginal Risk: For riskier profiles, Stocks and Cedears are valid options to maximize returns, but it is suggested to allocate them only to a marginal portion of the portfolio, complementing a more diversified scheme. The report concludes that the year-end bonus constitutes an opportunity to improve financial health and plan for the future, always prioritizing diversification and the time horizon of each investor.
