The challenge of where to put the weights so as not to lose profitability

The challenge of where to put the weights so as not to lose profitability
The challenge of where to put the weights so as not to lose profitability

While the national government blames the rise of the dollar blue In response to the expectations generated by the approval of the “base law” in the Senate, the market seeks to attract potential investors with financial products that respond to the new context.

The abrupt reduction in the monetary policy rate ordered by the Central Bank in recent months – which impacted the performance of financial instruments, such as the fixed term – remained under debate, after the rise of the informal dollar in recent days .

This being the case, savers are looking, with some confusion, for new investment alternatives.

Faced with the option of betting on foreign currency again or taking refuge in fixed terms, with unattractive returns, more professional investment instruments continue to gain ground.

In this context, mutual funds exhibit a potential that becomes more dynamic as the days go by.

Today, the return on a common investment fund can be around 6% per month, which is not at all negligible when compared to other financial products such as fixed terms, which offer between 2.4% and 2.7% per month. , and Lecap (Treasury Bills), which offer a monthly yield that is between 3% and 4%.

“Of course when the MEP (Electronic Payments Market) moves, accumulating an increase of 14% in the last three sessions, everyone worries. But if we look a little more in the long term, the MEP still presents a cumulative increase of 25% so far this year, well below inflation, and less than what many of the FCIs of different types accumulate,” he points out. Agustín Arreguy, Operations Manager of Dracha, highlighting the comparative advantages that common investment funds still have.

What to do with the pesos? A wallet with a mix of instruments

For example, the instruments that the firm offers to its clients have accumulated a return between 45% and 55% so far this year.

“The investor should have a mix of instruments in your portfolio, to be able to take advantage, in a certain way, of the periods of calm in the dollar without being totally unprotected when we go through times like the current ones. A combination of currencies between different assets is advisable in this context, at least until the success or failure of the economic direction is clear,” says Arreguy.

However, he clarifies that “there are assets that have outperformed inflation such as the MEP dollar, but that carry a level of risk and professionalism that is often not within the reach of the small investor.”

What to do with the pesos? The offers below inflation

“Currently, most returns on financial assets are below inflation, so the search for profitability becomes increasingly challenging,” declares Ana Balestre, president of Bancor Fondos Comunes de Inversión.

In this sense, for the executive, Common Investment Funds (FCI) are presented as an attractive alternative for small and medium investors, offering the possibility of accessing a diversified market of assets managed by expert professionals, with two main advantages: low amount initial investment and high liquidity.

For those seeking to preserve capital and obtain returns with minimal volatility and a short-term time horizon, Bancor offers the Champaquí Inmediato fund.

With an annualized return of 37.5%, it is presented as an attractive alternative to fixed terms. In addition, it has the advantage that the client can have the funds immediately when rescuing their investment. Champaquí Ahorro Pesos, on the other hand, is a fund that seeks to preserve capital with low risk. It offers a higher yield than Champaquí Immediato, assuming a slightly higher volatility.

“For those looking for investments that follow the variation in the official exchange rate, the Champaquí Estratégico fund offers an interesting alternative, while the Champaquí Cobertura invests in medium-term bonds seeking to maximize returns in pesos. It is important to clarify that these funds are for moderate risk profiles and have greater volatility, which is why a minimum investment horizon of 90 days is recommended,” says the specialist.

Finally, for investors with a more aggressive profile and who trust in the potential of the Argentine economy in the long term, Balestre recommends variable income funds, which offer the possibility of accessing the stock market and participating in the profits of the main Argentine companies. .

What to do with the pesos? Dollarize the portfolio

Dollarizing the portfolio also appears among the recommendations of market specialists.

“For the most conservative investors, it is recommended to dollarize their portfolio and invest those dollars in low-risk mutual funds. These funds invest in negotiable obligations of Argentine companies. They usually show returns between 5% to 7% annually,” explains Tomás Tagle, from Pretini Valores.

 
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