Silvana Saldisuri
09/06/2021 6:00 AM
Clarín.com
Services
Updated 09/06/2021 6:00 AM
Many people consider that to be able to invest in the Stock Market you have to be an expert on the subject and handle the numbers well.
But it's not always like this.
In the
capital market
there is a suitable product for each profile.
When thinking about safe investments, the first thing that appears is the traditional fixed term, but there is an investment alternative that does not require much knowledge and, in its logic, it works the same.
This option is even safer, faster, easier and adapts to a conservative risk profile.
This is the
stock bond
, also known as the
fixed term of the Stock Market
.
In times of uncertainty such as the current ones, an instrument such as stock market guarantees
are highly sought after
, since it is not necessary to have the money stopped for 30 days as it happens with fixed terms.
The fixed term of the Stock Market puts the money to work and protects the pesos from inflation.
Photo: Archive
What is a stock bond?
It is an investment similar to the fixed term: it is a short-term loan (from 1 to 120 business days), with the difference that the "taker" of said money is not a bank, but another investor
, who leaves securities in guarantee to support the operation
.
As in a conventional fixed term, whoever lends the money - the surety holder - receives a return in interest.
This loan can be made in both pesos and dollars.
As explained by Inviu's Head of Research,
Diego Martínez Burzaco
, to
Clarín,
"it is an option for investors who have a surplus of money in their investment account, either because they transferred pesos or made a sale of an asset, and They are not going to use it immediately. So they can place it at different times. "
"It is a good alternative for when you have idle money in the stock market to put those liquid balances to work and lose as little as possible against inflation," he said.
How does the stock market guarantee work?
In order for a surety to work or exist, two intervening parties are needed:
the underwriter and the borrower
.
The underwriter is the one who contributes the cash and, at the end of the established period, receives the
capital plus interest
.
The policyholder, for his part, receives the funds and places stock and bond titles on the market as a guarantee of payment.
This makes surety an even
safer
option
than the traditional fixed term
.
At the expiration of the security, the underwriter receives the agreed interest and capital.
The borrower, who repays the loan plus the security interest rate,
recovers his assets
.
You can place guarantees in pesos or contract securities in dollars.
Photo: Marcelo Carroll
What are the advantages of securities bonds?
"The advantage of the stock market guarantee with respect to the traditional fixed term is that the money can be placed
from one day onwards
, and on the other hand it
does not have a predetermined interest rate
: it varies depending on the supply and demand of funds for the different terms ", emphasized Martínez Burzaco.
"To get an idea, to date, a fixed term of the stock market
at 30 days
is yielding approximately between 34% and 35% of the nominal annual rate," he added.
Here are other advantages of the stock market guarantee:
. Greater liquidity.
The value of a stock bond is governed on the one hand by its rate, but at the same time by the high liquidity it offers.
. Term of choice:
1, 5, 20, 30 days, or the term that is required.
The most used and recommended is a minimum of 7 days.
. You can place guarantees in pesos
or take stock securities in dollars, although the latter option is currently very inconvenient.
. Higher Annual Nominal Rate.
When contracted for short periods, the yield of the stock market guarantee rises thanks to the compound interest it generates.
. Guaranteed investment.
The one who requests funds must give guarantees on the stock surety.
Opening an investment account is quick and easy.
Photo: EFE - Juan Ignacio Roncoroni.
How to invest in a stock market surety?
First of all, you need to have a
client account
, also known as an
investment account
with cash inside it, whether in pesos or dollars.
Then, through the platform of the broker with which the investor is managed, it will be possible to find how to operate with guarantees and place funds in one.
It can be done through the web platform, sending orders by mail, or by telephone.
Step by step, how to start investing from scratch
1. Choose an ALYC agent
(Settlement and clearing agent), or better known as a broker or financial agency, among the most recognized is InvertirOnline, Personal Portfolio and Balanz.
2. Open an investment account.
This management is quick and easy and is done through the website of the agency with which you have chosen to operate.
A selfie of the face, a
photo
of the front and another of the back of the
DNI
and some personal information will be
requested
.
It is 100% online, with no opening or maintenance cost.
3. Enter money to the Investment account
through a transfer of pesos or dollars from a bank account, in which it is the holder, to the account that appears on the financial agency's page.
Once the money is credited, you can start trading.
LN
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