Raised the exchange rate, many took the opportunity to buy dollars for home banking and a better price than they got before. A common question, now, is How to invest those savings to generate yields. He fixed term in dollars Is it currently an option to consider?
Although in recent years this investment – considerate of very low risk – had been throwing tiny profits, in recent months their rates are growing In several frontline banks.
So much that now it is possible to generate interest superior at the current rate of United States inflation (2.4% per year), something key to preserving the purchasing power. Of course, for that, the requirement will be to deposit money for 365 days or moresince that is always the best paid option.
By constituting a traditional fixed term, either by Home Banking or in a branch, the depositor gives the bank the sum to invest and choose A return datein which you can recover capital y charge interest According to the rate agreed at the beginning.
Unlike the fixed deadlines in pesos, which yield quite similar yields in almost all banks, when it comes to fixed deadlines in dollars They can vary greatly between banks, which returns Very convenient Compare before of depositing.
Thus, as it relieved Clarionthere are still banks that offer on their apps and blackboards Very little tempting rateseven less than 0.5%, 0.3% or 0.2% annual.
But others are already very more interested in capturing These deposits in foreign currency and are encouraging them with interests of to a 4% annual.
Banks Macro y Comafifor example, recently raised to 4% rate of its fixed deadlines in dollars to 365 days or more.
He National Bankmeanwhile, 2025 had started paying 2%, but then It rose to 3% per year The reward for depositors to give you your dollars for a whole year.
Another group entities, meanwhile, currently shows in its boarding fees of the 2.45% to 2.75% per year For fixed deadlines in dollars at 365 days, also higher than the interannual inflation of the US. Among them are banks such as Supervial, BBVA, Galicia y Bica.
-Now, in concrete amounts of moneyHow many dollars of profit do you promise to generate those interest rates for those who constitute a deposit today in any of the banks that pay the most?
For example, if an annual nominal rate (TNA) of the 3%:
Also, in the event of accessing a TNA of 4%:
Most banks structure their fees offer in such a way to stimulate longer -duration deposits. With which, as the saver chooses deadlines less than one yearthe level of interest to receive decreases notoriously.
Thus, by constituting fixed deadlines in dollars to 180 days (6 months), in the banks that pay the most rates do not reach 4%: they go from 1.5% to 3.5% per yearas the case.
And if the dollars will be left for only 90 days (3 months), the rates offered by those same entities range from 0.75% to 2.25% per year.
In this context, for the shortest durations, it becomes more attractive to have dollars in remunerated accounts or investment funds that pay similar interests day by day and Without immobilizing funds for a certain time.
To get more important yields –over 5% or 7% annual in dollars- there are other investments available in the capital market, but with Greater riskdespite being considered relatively conservative.
