In dialogue with news, financial advisor Mariano Ricco analyzes how to take advantage of the June bonus medium to start building a stronger future. In times of uncertainty and immediate consumption, it proposes to change the approach: transform extra income into a first step towards financial independence, focus on retirement insurance.
–What does the bonus mean from a financial perspective?
“Many times you think about it as a momentary relief or money to spend fast, but The bonus can be a powerful tool if used with purpose. It has the potential to become the initial kick for long -term planning, especially if we talk about products such as retirement insurance.
–And why choose retirement insurance?
—Because it is an instrument that combines the best of savings, investment and forecast. It allows to generate a capitalization fund in pesos or dollars, with fiscal benefits and long -term cumulative yields. It is an organized and strategic way to take care of the future. And the best: you can start with little, even with a single initial contribution. The bonus can be used as a single cousin or as semiannual contributionwithout affecting the monthly flow.
–Is it necessary to have a large capital to access these tools?
-No not at all. That is one of the most common myths. Anyone can start a retirement plan with an accessible contribution. The important thing is not the amount, but the constancy and vision. What seems small today, capitalized over time, can become a very valuable financial base.
—What is the advantage over other investment alternatives?
—In a difference of more volatile products, such as bonds or actions, retirement insurance points to people seeking predictability, order and patrimonial protection in the future. In addition, it has tax incentives: contributions can be deducted from the income tax to certain limits, which represents an additional benefit. Unlike other capital market instruments, which require monitoring, analysis and time, retirement insurance works in autopilot. You do not need to have financial knowledge to start it or to work: it is a simple, predictable tool to build capital in a sustained and uncomplicated manner.
–What recommendation would you give to those who still don’t know what to do with your bonus?
-First: order finance and cancel faces debts if there are. Then think in the future. If it costs you to save every month, you can use this extraordinary income to make a contribution every 6. Marking the beginning of your financial retirement is much simpler than it seems. It’s not about waiting 30 years; With a planning of 5, 10 or 15 years you can see concrete results.
–And what happens if I already have a plan initiated?
“Then the bonus is a great opportunity to reinforce it.” Making an extraordinary contribution can enhance long -term benefits much moreand does not imply modifying your monthly structure. In addition, it is a good time to review the strategy, analyze whether to add additional coverage, change background or adjust the horizon.
Conclusion
For the ideal Mariano Ricco, the true value of the bonus is not in what allows to buy today, but in what he can build tomorrow.
“It is a great opportunity to make decisions that positively impact the future. It is not about how much you have, but how you use it. Investing it in a retirement plan is not only an intelligent financial decision, it is also an act of care towards oneself and towards life that you want to have later.”
Mariano Ricco
Tel. 11 3143 0206
Mail [email protected]
IG. Mr_Assoriafinanciera
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