Prices are now rising at an uncontrolled rate of 6% per month, according to INDEC.
This means that from one
week
to the next everything becomes more expensive
by another 1.5%
on average.
To alleviate the damage that this causes to the pocket
throughout the month
, an increasingly widespread tactic is to make "
micro-investments
".
What is it about?
To shelter the money,
it is barely charged
, in
virtual wallets
that pay interest day by day just for leaving pesos in them, until they need to be used just one, two or three weeks later.
Without minimum amounts or terms
, the profits generated by these accounts are currently equivalent to a nominal annual rate (TNA) of
63% to 65%
, depending on the case.
Thus, for example,
$10,000
could become $10,135 after 7 days (1.3% more), $10,270 after 15 days (2.7% more) or
$10,542
after 30 days (
5.4 % more
), largely offsetting inflation.
It is a little less than what a traditional fixed term yields, but in return the investment
does not require immobilizing
the money for at least 30 days: the money is always available and can be
withdrawn, spent or transferred
instantly when needed.
With a newcomer, there are already
four
virtual wallets
that are remunerating balances in this way.
What are they and how much do they pay?
Below, one by one, all the details.
1.Personal Pay
The new option to receive daily earnings for the account balance.
Personal's virtual wallet -open to customers and non-customers of that company- now allows its users to access a
common investment fund
called "Delta Pesos" and receive profits just for having pesos deposited.
"By depositing money into the account (through
transfer
or in
cash
) and accepting terms and conditions in the
'Savings
' section of the app, users will see
their money grow
on a
daily
basis ," the firm announced on Monday.
"In addition, in case of carrying out transactions, it will not be necessary to redeem the investment because the balance
will always be available
for use," they added.
Personal Pay remunerates the balance by applying a
variable rate
that is updated every day according to the profitability obtained by the fund in the last month.
The current rate can be consulted in the app: this Wednesday, for example, a TNA of
63.7%
was in force .
More data here.
2. Oula
If the investment option is activated, the silver begins to generate profits.
In a similar way, the Ualá virtual wallet makes it easy to invest money in a
common fund
that yields predictable returns, although not insured in advance.
Going to the "Investments" section and then to "Common investment fund", those who have pesos in the Ualá account can invest
the amount they want
through the "Ualintec Ahorro Pesos" fund.
Then, they will see day by day how their profits are credited, which in the last month were equivalent to a TNA of
64.1%
, according to the fintech.
To get started, all you have to do is enter "Investments", answer some questions and indicate how much you want to invest.
Then, when the silver is needed, it will only have to be "
released
" by pressing a button, and it will be instantly ready to use.
More data here.
3. Market Payment
All yields can be monitored in real time from the apps.
The money held in the Mercado Libre wallet app can also be easily invested in a
common fund
that credits
interest daily
without immobilizing the funds.
This alternative has been generating, according to the company, yields equivalent to a TNA of
63.9%
.
To start taking advantage of it, you only need to have a balance in your account and
activate the option
in the app, entering "
Your money
" in the main menu.
More data here.
4. Orange X
Without locking up the money, the app locks in a rate that helps cushion the impact of inflation.
Finally, Naranja X, which offers a free savings account with CBU and a debit card, stands out for being the option that today
pays the highest rate
.
This fintech remunerates the balances in pesos of its users on a daily basis (up to
$200,000
) with a
guaranteed TNA of 65%
.
The pesos will pay like this until the user decides to transfer them, withdraw them in cash,
spend them with a card
or use them from the app to
pay for services
or recharge the SUBE or cell phone.
To access the benefit, which will remain in effect at least until
March 31
, you must
activate it in the app
by touching a button on the main screen.
More data here.
Other paid account alternatives to consider
A bank offers savings accounts with yields of up to 60% per year.
Bika Bank
.
It allows you to open a
remunerated savings account
online called a "Positive Account", in which the money deposited will generate -just for being there- interests equivalent to
TNA rates of 52% to 60%
, depending on the amount.
The rate is
applied each day
on the balance and the sum of those earnings is charged
every 30 days
.
More data here.
IOL InvestOnline
.
This stockbroker offers a
remunerated account
without expenses or commissions that generates daily interest on the balance without immobilizing it.
Earnings are credited to the account every 30 days.
Thus, according to the company, investors have been obtaining yields equivalent to
44.3%
of TNA.
More data here.
MDG
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