Investing in Argentine pesos is a constant concern for those who want to protect their savings and make them grow, especially in an economic context marked by inflation and volatility. In this article, we explore various investment alternatives in pesos that can help maintain purchasing power and obtain attractive returns. Javier Milei's government raised a 2025 budget with income and expense guidelines with projections. Tips for Investing in Pesos in Argentina To choose the best investment option in pesos in Argentina, consider the following aspects: • Evaluate your risk tolerance: Market volatility and inflation can affect some investments to a greater extent than others. • Establish deadlines and objectives: Defining the investment period (short, medium or long term) and the objective (savings, growth or preservation of value) is essential to make appropriate decisions. • Consult a financial advisor at the bank where you have an account: Given the local economic context, consulting with experts can offer a clearer vision and help customize the investment strategy. Notes for non-professional investors Investing in pesos in Argentina can be an effective way to protect capital against inflation and devaluation. The key is to explore alternatives such as UVA fixed terms, CER bonds and mutual funds that offer coverage against inflation. Analyzing the context and personal objectives will help choose the most appropriate and safe option for each investor. Are you ready to protect your capital in the current economic context? Given the annual inflation and exchange rate fluctuations, investing in pesos becomes a key tool to protect the value of savings. Although the dollar is a popular option to preserve the value of money, there are alternatives in pesos that offer benefits and opportunities for those who wish to avoid exchanging for foreign currency. 1. Fixed Terms: A traditional and safe alternative (more information here) • Traditional Fixed Term: This type of investment allows you to secure a fixed interest rate throughout the agreed period (usually 30 days or more). Currently, banks offer competitive interest rates that seek to beat monthly inflation. • UVA Fixed Term: This is a type of fixed term adjustable by inflation, where the invested capital is adjusted according to the variation of the price index (UVA). Investment in UVA is ideal for those who want direct protection against inflation, since the yield is linked to inflationary variations. 2. Peso Bonds: long-term coverage • CER Bonds: Bonds adjusted by CER (Reference Stabilization Coefficient) are also linked to inflation, which allows the value of the capital to be maintained in an inflationary context. These bonds are issued by both the State and private companies, and usually offer returns that exceed inflation. • Badlar Bonds: This type of bond adjusts its rate based on the Badlar rate (average interest for fixed terms of more than one million pesos in private banks), which usually offers a higher return than common fixed terms and allows you to take advantage of variable rates. 3. Mutual Funds Mutual funds are a flexible option that allows you to diversify your capital in different assets. In Argentina, there are several types of FCI in pesos: • Fixed-income funds: Composed mainly of bonds and fixed terms, they usually have a moderate risk. • Variable-income funds: They include shares and other instruments with greater volatility, which allows for greater potential gains in the medium and long term. • CER and UVA funds: These funds are composed of assets that are adjusted based on inflation, which makes them attractive for those seeking protection against the loss of purchasing power. 4. Investing in the Real Estate Sector with Pesos In recent years, the real estate sector has presented options for those who wish to invest in pesos without having to resort to the dollar. Some alternatives are: • Trusts in pesos: These funds allow you to participate in real estate projects and usually require a lower initial investment compared to the direct purchase of properties. • Real estate crowdfunding: Although still in its infancy in the country, this option allows for the acquisition of a small portion of real estate projects with affordable amounts, which democratizes access to real estate investment. 5. Cedears in Pesos: Investing in International Shares Argentine Certificates of Deposit (Cedears) are instruments that represent shares of foreign companies and can be acquired in pesos. Although these instruments are exposed to the dollar exchange rate and international movements, they allow for diversification Investments with companies such as Apple, Google or Tesla from the Buenos Aires Stock Exchange.
6. Cryptocurrencies: Digital Investment Despite their high volatility, cryptocurrencies have become an attractive alternative for investors in Argentina. Platforms such as Binance or Ripio allow you to buy and sell cryptocurrencies in pesos, facilitating access to this type of investment without having to change to dollars. • Stablecoins: Stablecoins, such as DAI or USDT, are usually a safe option within the crypto market. Being linked to the value of the dollar, these cryptocurrencies help protect capital from inflation without leaving the digital environment. Real-time cryptocurrency market - Markets 7. Stock Guarantees: Short-Term Performance Stock guarantees are a short-term investment alternative in the capital market. They consist of short-term loans (7 to 120 days) that allow you to obtain a fixed interest rate. This type of investment is suitable for those who want a quick return without long-term exposure.
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Investing in Argentine pesos is a constant concern for those who want to protect their savings and make them grow, especially in an economic context marked by inflation and volatility. In this article, we explore various investment alternatives in pesos that can help maintain purchasing power and obtain attractive returns. Javier Milei's government raised a 2025 budget with income and expense guidelines with projections. Tips for Investing in Pesos in Argentina To choose the best investment option in pesos in Argentina, consider the following aspects: • Evaluate your risk tolerance: Market volatility and inflation can affect some investments to a greater extent than others. • Establish deadlines and objectives: Defining the investment period (short, medium or long term) and the objective (savings, growth or preservation of value) is essential to make appropriate decisions. • Consult a financial advisor at the bank where you have an account: Given the local economic context, consulting with experts can offer a clearer vision and help customize the investment strategy. Notes for non-professional investors Investing in pesos in Argentina can be an effective way to protect capital against inflation and devaluation. The key is to explore alternatives such as UVA fixed terms, CER bonds and mutual funds that offer coverage against inflation. Analyzing the context and personal objectives will help choose the most appropriate and safe option for each investor. Are you ready to protect your capital in the current economic context? Given the annual inflation and exchange rate fluctuations, investing in pesos becomes a key tool to protect the value of savings. Although the dollar is a popular option to preserve the value of money, there are alternatives in pesos that offer benefits and opportunities for those who wish to avoid exchanging for foreign currency. 1. Fixed Terms: A traditional and safe alternative (more information here) • Traditional Fixed Term: This type of investment allows you to secure a fixed interest rate throughout the agreed period (usually 30 days or more). Currently, banks offer competitive interest rates that seek to beat monthly inflation. • UVA Fixed Term: This is a type of fixed term adjustable by inflation, where the invested capital is adjusted according to the variation of the price index (UVA). Investment in UVA is ideal for those who want direct protection against inflation, since the yield is linked to inflationary variations. 2. Peso Bonds: long-term coverage • CER Bonds: Bonds adjusted by CER (Reference Stabilization Coefficient) are also linked to inflation, which allows the value of the capital to be maintained in an inflationary context. These bonds are issued by both the State and private companies, and usually offer returns that exceed inflation. • Badlar Bonds: This type of bond adjusts its rate based on the Badlar rate (average interest for fixed terms of more than one million pesos in private banks), which usually offers a higher return than common fixed terms and allows you to take advantage of variable rates. 3. Mutual Funds Mutual funds are a flexible option that allows you to diversify your capital in different assets. In Argentina, there are several types of FCI in pesos: • Fixed-income funds: Composed mainly of bonds and fixed terms, they usually have a moderate risk. • Variable-income funds: They include shares and other instruments with greater volatility, which allows for greater potential gains in the medium and long term. • CER and UVA funds: These funds are composed of assets that are adjusted based on inflation, which makes them attractive for those seeking protection against the loss of purchasing power. 4. Investing in the Real Estate Sector with Pesos In recent years, the real estate sector has presented options for those who wish to invest in pesos without having to resort to the dollar. Some alternatives are: • Trusts in pesos: These funds allow you to participate in real estate projects and usually require a lower initial investment compared to the direct purchase of properties. • Real estate crowdfunding: Although still in its infancy in the country, this option allows for the acquisition of a small portion of real estate projects with affordable amounts, which democratizes access to real estate investment. 5. Cedears in Pesos: Investing in International Shares Argentine Certificates of Deposit (Cedears) are instruments that represent shares of foreign companies and can be acquired in pesos. Although these instruments are exposed to the dollar exchange rate and international movements, they allow for diversification Investments with companies such as Apple, Google or Tesla from the Buenos Aires Stock Exchange.
6. Cryptocurrencies: Digital Investment Despite their high volatility, cryptocurrencies have become an attractive alternative for investors in Argentina. Platforms such as Binance or Ripio allow you to buy and sell cryptocurrencies in pesos, facilitating access to this type of investment without having to change to dollars. • Stablecoins: Stablecoins, such as DAI or USDT, are usually a safe option within the crypto market. Being linked to the value of the dollar, these cryptocurrencies help protect capital from inflation without leaving the digital environment. Real-time cryptocurrency market - Markets 7. Stock Guarantees: Short-Term Performance Stock guarantees are a short-term investment alternative in the capital market. They consist of short-term loans (7 to 120 days) that allow you to obtain a fixed interest rate. This type of investment is suitable for those who want a quick return without long-term exposure.
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Tips for Investing in Pesos in Argentina
- 27/10/2024 » 13:42 by cronywell