What should compensation invest in order to win the fixed term

In an economy in recession, there are many companies that plan personnel reduction or open voluntary retreats.That is why before this scenario, a frequent consultation received by fund managers is what can be done with compensation to receive so that it does not lose value.

Mariano Sardáns, CEO of FDI, points out that those who will receive more than $ 1 million, recommend the Funds T+1, which are the Money Market with availability at 24 hours, which yield above 60%, and that aDifference of LECAP, they do not have entry and output commissions.

When compensation is received, short, medium and long term investments must be divided.

The first thing one must do when it receives compensation is, on the one hand, to be optimistic (from the point of view of the importance of getting work as soon as possible) and on the other hand be pessimistic from the look of fixed expenses.When one charges a money, and for the effect of being without work, one tries not to modify consumption habits, but it must do the opposite."When investing, you have to divide short, medium and long investments.Short to pay expenses, this can be in pesos, to capture a good rate;medium and in case the length can be managed, in more moderate and dollarized options.Those who charge compensation should avoid making stock investments (immobilizing capital), for example an apartment, "says Mariano Otálora, director of the Argentine School of Personal Finance.

Rafael Di Giorno, director of Proficio, observes little creation of new jobs, since investments are in a waiting.In the case of a person who receives compensation should not make exotic bets.It is its capital to survive until a new job is achieved or put together an own venture.In principle, Di Giorno suggests short legs in dollars to renew them at their expiration and Lecap in pesos, which yield slightly above 60%, with that income to obtain the part of weights that needs to be consumed until it manages to resert in the world in the worldlabor.

Did You know the @fdicgov ha a podcast?You have 15-minute episodes feature "The Basics of Banking," Including How To ... https: // t.CO/G5TA7EDHUR

— Decatur County Bank Thu Jul 22 14:04:46 +0000 2021

Comparing a fixed term with the solutions offered by the capital market, the latter presents many overcoming attributes."Today a fixed deadline yields 53% TNA, while a LECAP a month yields 55% TNA, but for greater deadlines the yields reach up to 65%.In turn, they are instruments with a large degree of liquidity, which allows to rescue the investment at any time.Interest accrued until the rescue date are received by investors through the sale price, so it is not penalized if it decides to leave before the expiration.The rate and flexibility attributes put the LECAPS as exceeding a fixed term, "warns Marco Valenti Chief of Research of IEB.

Fernando Luciani, Executive Director of the Argentine Securities Market, suggests diversified assets, such as checks, promissory notes and bonds, by the hand of a negotiation agent, in order to plan that flow and the withdrawal of the funds to be able to live until having another job.

Santiago Llull, vice president of the future stockIn dollars: "In addition, you have to understand that it may cost a while to get another job, so the ideal is to lower fixed expenses to the maximum".

The secret is to be able to plan the flow and withdrawal of the funds to be able to live until they have another job.

Daniela Wechselblatt, head of DW Global Investments, makes this account: if someone has $ 1 million (equivalent to US $ 21.730 to a dollar at $ 46) and invests them in a fixed period of 45%TNA, after 30 days they pay an interest of $ 37.500.If you want to use these interests to live, that is, they are not reinvested but that they are retired, after the year I would be receiving $ 450.000.But since the dollar will continue to rise, its capital in pesos will be reduced.Futures of the dollar by April 2020 are negotiated at $ 71 in Rofex.In that case, the capital of $ 1 million, which was equivalent to US $ 21.730, with a dollar to $ 71 they would be reduced to US $ 14.084.The exchange rate liquemed them and the capital will be lost little by little.To avoid running exchange rate, Wechselblatt suggests looking.The last tender of Letes at 63 days had a 4% cutting rate and those that expire in December 6.21% ".