Some days ago there was talk about the importance of saving, but that is not all in the welfare of the saver, Argentina has a particular situation, high inflation. Phenomenon that from the economy is explained as a constant and generalized increase in prices, sustained over time on all tradable goods. Explaining it in another way, it can be said that it is the constant decrease in the purchasing power of money, the income that a family has per month. One way or another you can change the explanation; but the effect it produces on money and savings does not change: immobilized savings lose purchasing power and earning power.
If we have a savings of $1,000 and inflation is 8% per month, next month those savings will have deteriorated and their purchasing power will only be $926. This is where the form begins to play: how to save that money so that the purchasing power remains at the original 1000 (the bill will have to have been converted to 1080)? Many opt for the fixed term (an option that never covers the 8% that the average goods or services open that month), others neglect it and lose value, but is there anything else that can help to overcome this inconvenience? Yes indeed, and the option is to invest it: 1) In short-term instruments, which allow cash to continue to be available or; 2) Invest it thinking about a future “profitability”.
From here, the main alternatives available will be analyzed in a clear way so that any business, SME or individual investor can understand the simplicity of many alternatives and begin to analyze the inclusion of the financial investments in their productive activity.
- Management of CASH FLOW OR CASH FLOW:
- LThe COMMON INVESTMENT FUNDS (Money Market) are very low risk, have no entry-exit cost, can be subscribed from as little as 1 day and have an average life of 1 week. With an average return similar to the fixed term.
- THE CAUTIONS: They are like fixed bank terms but with higher yields and are agreed with an average of 7 days, but there are shorter and longer terms.
- Purchase of MEP dollars: It is the purchase of dollars in the stock market through a simple operation of buying a bond (GD30) and selling it after one day in the dollar version (GD30D). The same operation can be done in reverse and the dollars are converted into pesos. There is no dollar limit to buy and the only restrictions are those of having participated in any government benefit to operations with subsidized dollars (MULP) or some other state benefit. This frequently used option replaces the purchase of BLUE dollars with significant advantages (the money remains in the bank, the value of the MEP dollar is generally lower and it is an absolutely legal operation, while the blue one is illegal.
- INVESTMENTS PROPERLY:
- Although the mechanism is similar, the instruments are different: the objective here is essentially to make a difference from neutral to positive of the capital (depending on the profile of the client and the time he intends to be invested). Very conservative profiles they can opt for low-risk investments, but also low-return ones; instead moderate or aggressive profiles can aspire to have returns very positive and depending on the expected time of the investment, the “risk” Much can be delimited and the expected rents can be very interesting.
- Other alternatives that are very interesting is the possibility of participating in foreign “MARKETS”: buying CEDEARs from large companies or funds listed abroad, or withdrawing the money in dollars and investing in other FOREIGN MARKETS: it is a simple and It is done through a “STOCK AGENT” (brokers) from a cell phone or computer.
Currently investing in the FINANCIAL MARKET is much simpler than buying a good such as a house or a car, it can be done from very small amounts and the most interesting: having teams of financial advisors at an extremely low cost in addition to have teams of collaborators from the companies in which they invest. Each company wants to give the highest return on their investments, while the investor is a passive partner who participates in the results.
Finally, the flexibility that these investments allow to have the money (in an emergency) in less than a week and depending on the case in 2 or 3 days in the investor’s bank account is not insignificant. Not to think about it?
Contact: IG and FB: HJD Investments WhatsApp: 2474-513620
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