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.
Desde nuestra perspectiva como compañía, el 2017 solo fue una muestra de los éxitos que nos esperan el siguiente año, ya que seguramente seguiremos presenciando la consolidación del e-commerce
La #demanda de entregas rápidas está en su punto más alto, y adaptarse a esta tendencia puede marcar la diferencia entre el éxito y el estancamiento. Con la entrega en el mismo día a través de crowdsourcing, tu empresa puede cumplir con las expectativas de los clientes, optimizar #operaciones y expandir su mercado.
Descubre cómo la entrega en el mismo día puede transformar tu negocio
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Touching her face gently again, Du Jun s mother looked at Du Jun gloomily and said, What are you looking at Wait for me to clean it up.Although the girl s tone was very bad and her words were excessive, Du Heng was not angry at all.
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When the time is set, let me know and I will arrange the work in advance.But unfortunately, it is not traditional Chinese medicine or internal medicine that I care about most.
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If I don t say it to the point, I estimate that the student may choose another school.Moreover, the blood test data showed that all data were normal, and no infection occurred at all.
Du Heng continued, Using my prescription, you can see the effect in two days, and it will not affect anything in two days.If he succeeded, it would not be a matter of thirty years of less hard work.
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Du My family is poor and I have no money to give a bride price.After saying that, he went straight into Qi Gang s house with a dark face.
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Hey, this student can be Full Body CBD Gummies for ED: Benefits, Side Effects, and User Experiences a very dedicated teacher in the future, or he can be a good research talent, or he can become a doctor who is called the backbone of a department, but it will be difficult for him to become a leader in the industry.Now that his daughter is healthy and has gone Gummies for ED Reviews: Evaluating the Top Choices in the Market to school again, and he is like a normal person, how could he not come to pay Du Heng a New Year s greeting Even in the future, he would come to Du Heng to pay New Year s greetings every year.
Are you willing Du Heng looked at Gong Daoyang with a half smile, which made Gong Daoyang sober up immediately.Uh Forehead Forehead All three people present changed their expressions.
Old Cui, how was your new year In the office, Du Heng greeted Cui Guanghai very politely, and he also took the cup from Cui Guanghai s hand very enthusiastically and filled it up for him.Hou came for two more days, and these two days were just to teach Yu Haiting and several nurses how to drain ascites.
After examination by Dr. Du, he found that the tongue was red and uncoated, and the pulse was slow and slippery.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.