Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.
De acuerdo con la Ley Federal del Trabajo (LFT), los empleados que perciben un sueldo tienen derecho a recibir su aguinaldo antes del 20 de diciembre. Sin embargo, dicha prestación es utilizada, por la mayoría, para afrontar los gastos de fin de año sin considerar que existen alternativas inteligentes para hacer rendir ese dinero.
Los trabajadores que llevan un año o más en la empresa, pueden calcular cuánto les corresponde al dividir su salario mensual entre 30 y luego multiplicar esta cifra por 15. En cambio, quienes aún no tienen esa antigüedad, pueden estimar el aguinaldo anual y dividir la cantidad entre 365. El resultado se multiplica por los días laborados.
Si bien el aguinaldo es una prestación que nos ayuda a solventar los gastos durante la época navideña, depende de nosotros que gocemos de sus beneficios por el resto del año. Explorar el potencial que tiene este ingreso en nuestras finanzas, nos permitirá verlo no sólo como un medio de financiamiento, sino como un generador de riqueza.
En este sentido, el experto en finanzas personales enlistó las cinco formas más inteligentes de utilizar el aguinaldo sin comprometer nuestra economía y obtener un beneficio a largo plazo.
Paga deudas
Es importante tener nuestras prioridades en orden, de tal modo que si ya se vienen arrastrando deudas con anterioridad, un buen uso para el aguinaldo es liquidar esos compromisos. Si la cantidad es insuficiente, se puede dar un pago mayor al mínimo o bien adelantar los Meses Sin Intereses.
Quien se encuentra en una situación de sobreendeudamiento y definitivamente sus ingresos ya no le permiten pagar, la alternativa es recurrir con los expertos; por ejemplo, la reparadora de crédito Resuelve tu Deuda. Ellos se encargarán de negociar el adeudo y conseguir un buen descuento.
Invierte
Una manera de aprovechar este ingreso es optar por un instrumento de inversión que brinde valor frente a la inflación. Para lograrlo, es importante elegir el producto que ofrezca un buen rendimiento y se adapte al perfil del consumidor. Por eso, dijo, explorar lo que ofrecen las nuevas plataformas digitales puede ser una alternativa interesante tanto para los inversionistas experimentados como para los primerizos.
Una Fintech como LaTasa.mx puede ofrecer grandes beneficios a quienes decidan capitalizar su aguinaldo. Con un monto de apertura accesible y un rendimiento promedio anual del 15 por ciento, se convierte en un medio atractivo para depositar e incrementar el dinero frente a los esquemas tradicionales de ahorro e inversión.
Piensa en tu Afore
No se debe obviar la importancia de un retiro digno, pues esta es una meta financiera a largo plazo en la que se puede impactar positivamente desde hoy. Así que, un destino muy útil para la prestación de fin de año es depositarla en nuestra Administradoras de Fondos para el Retiro (Afore).
Asegura tu futuro
La contratación de un seguro debe estar entre los propósitos del 2018, especialmente después de los eventos naturales ocurridos durante este año. De modo que, el aguinaldo podría resultar muy útil para adquirir alguna cobertura que permita conservar el bienestar físico y patrimonial de la persona.
Opta por bienes duraderos
Por último, si ya se tiene pensado gastar el dinero, lo mejor es que sea en una compra inteligente. Por ejemplo, conseguir un bien de larga duración o que sea necesario. Otra opción sería incrementar el enganche para una casa o un auto y así reducir el monto de las cuotas que se pagarán.
Cabe señalar que según la más reciente Encuesta Nacional de Inclusión Financiera (ENIF), 63% de los mexicanos no lleva ningún control de sus gastos, por lo tanto, no es de extrañarse que 7 de cada 10 personas realice alguna compra no planeada al mes. Esta situación podría llevar a que los consumidores queden endeudados al iniciar el año.
Para que una atención por WhatsApp Business sea exitosa, la resolución de las necesidades de los clientes debe darse de forma natural: Entender la intención real de los usuarios y lo que requieren, para proporcionar una experiencia de resolución instantánea.
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Asegúrate de que la última milla de tu cadena de suministro sea un punto fuerte, no una debilidad en tu empresa.
Hay una larga tradición de intercambio comercial entre Suecia y México. De las empresas suecas presentes en el país, la primera se estableció en 1904. Hoy en día, hay más de 150 empresas suecas presentes manufacturando, desarrollando y comercializando sus productos y servicios.
Although I can t go to the Izumo Continent. But it doesn t mean that other people can t go.Seeing this, Lin Haoming also understood that although the blow just now was extremely powerful, it was even for Elle King Opens Up About Her Dramatic Weight Loss Transformation in 2025
the existence of the Nascent Soul Dzogchen.
With uncontrollable excitement, Lin Haoming did not immediately go to collect the Tiangang silver sand, but first passed through the Jiutian Gangfeng.No matter how far away it is, it 2025’s Top 5 Reasons to Choose Mach5 ACV Keto Gummies for Weight Loss
is impossible to see every place clearly.
The Nine Heavens Gangfeng really lived up to its reputation.No, Brother Zhang, Lin Haoming is very capable, and now he has a helper, even if he loses to you, it will not be difficult to escape into the city.
Yin Tianfeng also saw Lin Xuan and the others. He stared at Lin Xuan with a cold light in his eyes.When he started, some masters in this territory Best Juicing Recipes for Weight Loss: Get Ready for a Healthier Christmas Season
frowned, and the Blood Fiend Sage stood in the pagoda, his eyes flickering , What a terrifying soul power.
The body of the flame crocodile was shattered and Keto Flo Gummies Reviews: 10 American Night Shift Workers’ Successful Weight Loss Stories
turned into endless flames, dissipating between the sky and the earth, Lin Xuan let out a long sigh of relief.But this land is really terrifying. There is a mysterious force that directly blocked his exploration and even threatened him.
Chen er, don t be careless. Yes, Master. Yichen turned his head, nodded solemnly, and then looked at Lin Xuan again, I admit that I underestimated Khloe Kardashian’s Weight Loss Journey in 2025: Shedding 30 Pounds with a Revolutionary Diet Plan
you, and I will use all my strength next, you are ready to go to hell.The people from the Dragon Clan also took out an ancient mirror, which was hidden in the sleeve robe, to investigate.
Lin Xuan also squinted his eyes, three tricks to solve it, him He has heard such big words more than once, but now he is still alive and well, he came out and said, okay, I will see how you kill me with three moves.Even better. Lin Xuan s avatar walked towards the Dragon Palace, he Keto Drop Gummies Reviews: Is This Revolutionary Weight Loss Supplement Worth the Hype?
wanted to see, what kind of spirit is there in this Dragon Palace martial arts event bk The Dragon Palace is extremely lively, and there are already countless geniuses who have come here.
bp bp bp bp This soul change is so subtle, even Lin Xuan was surprised, bp Experience the Power of CBD ACV Gummies: A Game-Changing Wellness Solution
bp bp bp So, he was going to investigate, bp bp bp bp the two landed, Flying forward, the figures below were surprised when they saw this scene.Dugu s pupils shrank sharply, showing the fighting power of the Great Saint.
Lin Xuan s speed was very fast, and soon he came to the fifth stone tablet, which was exactly where Zilong had arrived before.At that time, everyone needs to work together. OK, see you in five days, then.
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is really a rare visitor, go, Ye Wudao, invited Lin Xuan and Lin Xuan in, the mountain range where Ye Wudao is located is also top notch.Lin Xuan s body was full of demonic energy, like an unrivaled demon god.
This little girl has an unusual status. He smiled and said, no, I don t want to Use this medicine king to make alchemy, but I will definitely not be polite when necessary.Why did the people from the Dragon Clan come here Lin Xuan narrowed his eyes, is it a coincidence He suddenly remembered that the Dragon Prince had been poisoned and injured.
The family that Wei Guoda belonged to was also a well known Fuguogong 80 years later, and his grandfather was also Bai Yugang Sikong.In fact, when these tens of thousands of people dispersed, Xiao Wuxun no longer dreamed of breaking through, and directly ordered the withdrawal of troops at the most critical moment.
The first floor is a small hall with dozens of tables.And big. Of course, before retreating into the state of Chu, the hearts of Slim Keto+ACV Gummies: A Review on Health Benefits
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The adoptive father taught you wholeheartedly. You became a genius at the age of seventy.The new army will assemble first, and we will choose a commander in the day.
Wei Qian was stunned for a moment when he heard that, then he smiled and asked as if someone had something to do Grand Master, what do you mean You really want to ask about the illness of your father.So what about my future bread Lin Haoming asked. You ate.
Get out of here The bloody hand roared, a terrifying light erupted from his body, and the bloody river behind him was surging.Not long after, Duan Sirius chased after him. He stretched out his soul power and quickly locked the position of the Shen family.
Lin Xuan s eyes flickered Not only that, there are many killers around us.He flew away quickly and flew back soon. This time, he also brought back a scroll.
Then, the two kings fought together again. And below, Lin Xuan and the dark red dragon, relying on the king s killing array, completely entered the magic pit.These monsters are really hard to deal with, the Pure CBD Gummies Reviews: How American Millennials Are Shedding Pounds Successfully
dark red dragon muttered, because there were hundreds of ghosts before, but now they condense into a huge monster.
The third guardian may want to climb up, so he let his disciples behave like this, but all of this It s all speculation.Like a god of killing, he is full of terrifying sword lights, flying Optimize Your Well-being with Kana CBD Gummies at an Affordable Cost: A Comprehensive Review
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So he was sure that this time the other party still went to the magic pit, because in the magic pit, 3 Weeks to a Slimmer Waistline: Dallas Women’s Secrets with F1 Keto Pills!
there was a demigod crystal that made the king s heart flutter.Lin Xuan took out a pill box from the storage ring, and said loudly This pill is called Changsheng Pill, which can increase lifespan by thirty years.
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disadvantage for a while, his life was not in danger for the time being.At the same time, he also sensed that Murong Qingcheng and Ruo Bingshan in the next room also wanted to do something, so he quickly sent a message.
I ll see how you stop it. Vicious voices sounded one after another, and everyone s scalps were numb and their hearts were jumping with fear.In fact, Lin Xuan did the same thing. From the very beginning, he picked a place to absorb.
After arriving in the imperial city, Lin Xuan didn t go to the princess mansion, but wandered around, feeling the prosperity of the imperial city of the Daxuan Empire.You know, how Comprehensive Analysis: Oolong Tea and Weight Loss – Understanding the Benefits
can a boy who is a respected fifth level celestial being compare with a seventh level venerable.
The next moment, the Seventh Elder and the handsome young man Zhu Chen showed pained expressions.As for not receiving the invitation, you can still participate.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.