2024-05-12 00:36:09
he dollar is iron, the inflation low and rates They continue to decline, so savers are looking for alternatives to at least beat the rise in prices in the economy. So, a new version of the strategy fixed term investment UVA “calesita”, or staggeredwhich is connected to the last variable, and can be offered more than 40% profitability in just six months.
It is based on the realization that bank deposit that will adjust for UVA, which reflects the consumer price index (CPI), whose period of the reserve of the deposit money is 180 days.
And a very long time for such a change in Argentina and for a period when inflation was 25.5% in December and started to decrease suddenly month after month until it reached around 8% in the projections last April.
Indeed, During 2024, approximately 100% of UVA’s fixed term comes alreadyThat is, in just over 4 months the saver earned double the money invested. And it beats, by pulling, current inflation. It is also the biggest winning investment of the year.
Moreover, the UVA “Calesita” or “escalado” is a medium-term bet. for investors who believe that inflation will continue to beat the rate in pesos, regardless of the reduction in all variables.
Indeed, a A traditional fixed term is paying 3.29% at 30 days (40% TNA), and the price index more than doubled.
“According to our consultant, “The estimated inflation for the next 6 months would be around 40% per annum, which is equivalent to a traditional fixed term rate in a full year,” data to iProfessional Salvador Di Stefanomarket analyst and creator of the “carried” or “graded” investment strategy.
A fixed term “carry-over” or “graded” UVA allows you to beat low inflation, but you have to wait at least 180 days to get results.
And according to him Survey of Market Expectations (REM) various economists, which have just been published by the Central Bank, For this year, inflation is expected to be 161.3% year on year, ie which means a reduction of 28 percentage points compared to what was predicted in the survey published last April.
What is the fixed term UVA “calesita” like now?
he fixed term “calesita” (also called “graduated”) It consists of six UVA placements for the same amount in each case, but for different periods of time.
The strategy of this investment mechanism is that after waiting for the minimum 180 days required for the mandatory reserve for this instrument, one of the successive placements will start to be renewed every 30 days..
In summary, A total of 6 fixed UVA deadlines are made andn pre-cancellable format, which can be set up every 30 days or all at once but with different periods, with the objective of expiring consecutively every month.
In all cases, The initial amount should be the same, For example, each placement can be done for a few 100,000 pesos.
“After 180 days, the carousel starts happening and one placement expires per month. Meanwhile, in those six months of waiting, with the capital not yet invested, traditional fixed terms of 30 days can be made to wait and generate returns until a new UVA monthly placement has to be made.” , details Di Stephen.
Or, as mentioned, the 6 fixed terms can be done at the same time for different long periods, so that one ends each month after meeting the minimum 6 month reserve requirement. In this way, they must be set to: 180, 210, 240, 270, 300 and 330 days. That is to say:
– it primer UVA fixed term 180 days.
– it second a 210 days.
– it in the third place a 240 days
– it room a 270 days.
– it quinto a 300 days.
-And the sixth a 330 days.
Fixed term UVA allows you to beat inflation, and also the current interest rate of the traditional fixed term and the dollar.
“We continue to recommend the 6-month UVA fixed term”details of Di Stefano.
Fixed term UVA bleaching: what to consider
This tool pre-approved fixed term It is an investment option in Purchase Value Units (UVA). minimum 180 days of reserve, where some banks put the limitation that the investment cannot exceed $5 million per client.
At the same time, the The “pre-approved” option allows you to withdraw funds after 30 days after each deposit is made. Of course, if the early “retirement” of this investment is necessary, the adjustment for accumulated inflation (UVA) will not be found, but the prepayment rate, which today is barely 20% of the nominal annual rate (TNA).
As a result, it will be achieved a rent 1.64% every 30 days, figure very low in relation to the consumer price index (CPI), around the 8% predicted by economists for last April.
At the same time, Fixed UVA terms can be done for a period between 180 and 365 days.
To calculate the income, these deposits take the inflation measured in the 90 days before and in the 90 days after the placement is made.
Mechanics of fixed term “calesita” or “escalita” that is, at the registered time of first maturity, at 180 days, it is renewed with the interest earned in all that time for the minimum period required by the system, which is exactly 6 months.
In this way capital accumulatingis the problem progressive reduction of inflation and find out what will happen to him dollar price and interest rates in the coming months.-
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