In a few weeks, the Argentines who work in a dependency relationship will receive the bonus and those who can save a part They can make it profitable in fixed crypto terms, placements in bonds, corporate debt, CEDEAR and oil stocks.
From the AdCap stock exchange company, they assure iProUP that “for conservative profiles who like worry-free savings, the MEP dollar purchase is still valid.”
Another option for cautious investors are negotiable obligations, that is, corporate debt securities, which offer yield in dollars. A little higher in terms of risk tolerance, experts recommend CEDEAR from foreign companies and oil stocks.
For those looking to diversify risk, it is possible to bet on volatile digital currencies or crypto dollars. “We have seen an increase in volume last week and it is a good time to diversify investment in crypto, since both Bitcoin and stablecoins and memecoins are on the rise: it is a good time to invest,” Julián Colombo, CEO of Bitso Argentina.
“Investment funds also appear as a good alternative to invest the bonus, since among the main advantages it has a active and professional administrationthe portfolio is diversified in a basket of assets, transaction costs are reduced and there is liquidity at all times“, indicates to iProUP Matías Kostendt, Wealth Management Financial Advisor at Bull Market Brokers.
Cryptocurrencies: what should be invested in
Lemon tells iProUP that it is possible to “instantly exchange pesos for cryptocurrencies, such as those parity with the dollar $USDC, and generate additional weekly profits without the need to keep assets locked through the Lemon Earn function.”
Crypto dollars like USDT can be invested at a rate of up to 8% per year
“It is similar to a paid account in a virtual wallet, but with interest in digital dollars (crypto). Although interest rates are variable, the stable average is 8.6%,” they complete.
At Bitso they also offer the possibility of making crypto dollars work, but they also launched their Web3 Wallet, which allows you to buy more than 2,000 cryptocurrencies and access staking which, according to Colombo, “involves lending crypto to provide security to the system and, in exchange, the network benefits you with returns, between 2% and 3% annually”.
Public bonds: what should be invested in
According to experts, the best options in sovereign debt are the following:
LECAP
Kostendt points out that “in the current context of low inflation and for a conservative client who seeks to preserve their capital, have the funds quickly and beat the fixed term, LECAP are an excellent alternative, since they yield around 4% per month” .
“An additional advantage is that more and more common funds that have this asset in their portfoliowhich makes it ideal for those starting out in the capital market,” he completes.
BOPREAL 2026
Kostendt assures “for those who want to take a little more risk, it can be an excellent option, since it is being operated with a return of 18% and matures in the current administration.”
Sovereign bonds are ideal for those betting on a recovery of the economy
“Investors with more risk aversion can make a mix between sovereign bonds, such as Bonar 2030 (AL30), Global 2035 (GD35) and Bonar 2038 (AE38) with the subscription of the FCI Bull Market Acciones Argentinas, which seeks to beat the S&P Merval index in the long term. They can be winning alternatives if the country continues on the current path,” he adds.
T4X4 Treasury Bond
Maximiliano Donzelli, Research Manager at IOLinvestonline, tells iProUP that “for the short term, it is ideal to add this bond maturing on November 10 to the portfolio. An annual return of 66% is projected, which is equivalent to 4.25% monthly, above the fixed term”.
“Also thinking about the short term, we see it as attractive to invest in the AdCap Pesos Plus common fund (CNXPOPA). It is positioned in short term assetsboth of fixed rate as CER. Seek strategic positioning by offering inflation and yield coverage to obtain a return above a fixed period”, he completes.
Global Bonus 2025 (GD35)
“Continuing with fixed income and thinking about the medium term, we also look favorably on taking a position in the Global Bond 2035 (GD35). From the Research team, we selected this sovereign bond that currently has a yield of 17.5% in dollars,” says Donzelli.
Negotiable obligations: what should be invested in
“Negotiable obligations in dollars are a notable alternative to not only preserve capital by dollarizing it, but also to periodically obtain rental couponseither semi-annually or quarterly,” says Kostendt.
There are numerous options on the market for all risk and return profiles, namely:
- ON YPF 2029: 8.50%
- ON of Telecom 2026 and Mastellone 2026: 8%
- ON of Irsa 2028 and Aeropuertos AA2000 2031: 7.25% and 7.50%, respectively
Shares and CEDEAR: what should be invested in
With respect to Argentine certificates of deposit (CEDEAR), Adcap assures that they remain “optimistic with the energy sector, highlighting the roles of YPF and VISTA.”
“For people who want to boost their investment, have a more aggressive profile and are willing to take more risks, we suggest two CEDEAR and an Argentine stock that we view favorably, thinking about the long term,” says Donzelli, who breaks down:
- CEDEAR from MercadoLibre (MELI): “Beyond the recent rise in its price, we continue to see a lot of value given the growth What the company has been achieving in recent times (36% annually in English) and that it can continue to achieve as it continues to expand its business in the Mexican market and the rest of Latin America”
- S&P500 ETF CEDEAR (SPY): “It is a fund that seeks to replicate the behavior of the S&P 500, one of the most important benchmark stock indices from United States. He stands out for his positioning in large cap companies“
- Pampa Energy (PAMP): “It is one of the main companies of the Merval leading panel, leader of the Oil & Gas segmenthas an approximate production of 5,550 barrels of oil and 10 million cubic meters of gas per day. In addition, it participates in the generation and transmission of electrical energy and part of its income is in dollars from exports.”
Thus, those who receive the bonus have several options depending on their investment term and risk tolerance.
