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.
Un solo negocio puede tener diferentes buyer personas; esto quiere decir que el mensaje tendrá que irse adaptando al perfil y necesidades de cada comprador.
Liu Si groaned, and his muscles swelled. His condition was completely different from when he dealt with her before.It was indeed his mission to pick up Qin Feng today, but he didn t have to come in person.
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The Qin family didn t have many relatives to begin with, but Tang Xiurong s natal family had quite a few relatives, and Delta 8 CBD Gummies Review: Benefits, Effects, and Top Brands
the Tang family was a big family.He must know the whereabouts of Guigu Liuli. Since Huang Jiang has an unusual relationship with this woman, it is not impossible to reveal it.
We, the remnant soldiers, Veteran, I m afraid I won t be able to help.If we don t take it today, Qin Feng and the others will know about it tomorrow, and it will be difficult to deceive them by then.
Thank you, Your Majesty Hearing this, Luo Chen straightened up and looked curiously at the master of this world.Team, but let us take action. We are obviously worried about something.
My subordinates congratulate the gang leader on his great achievement.After speaking, Luo Chen paused again and said slyly The boy took out the All the sects have seen the residual recipe.
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will measure the size and make it like this Luo Chen nodded and asked again Second Uncle, how many steelmaking jobs do we have in our villa Luo Tianyu thought for a while and then said Since the introduction of the Spiritual Erosion Liquid, the steelmaking output of the Villa has increased a lot.
Hearing these two passionate voices, Luo Chen slowly stopped and looked at the sand dunes to the west again with complex eyes.Nangong Dao saw this and smiled slightly Didn t I give you a group The Benefits and Uses of Adult Garden Gummies for a Healthy Lifestyle (gpmAP)
of boatmen last time There are two master craftsmen inside who can build sea ships and God breaking crossbows I see Luo Chen nodded and secretly wrote it down.
Is it them Mo Tianqing was startled and pulled Luo Chen aside.Oh Several people followed immediately and left quickly.
The old woman stretched out her head, glanced around, and then closed the courtyard door.In the hall, Han Meng and Han Meng looked at each other, and then walked out of the hall to do their work with doubts.
The created trumpet will inherit part of the cultivation of the original body, but even if it is only part of it, it is still in the body refining stage.Of course, shopkeeper Rong definitely didn t know that Su Ye missed it.
In the past, when playing with the national treasure, it was Su Ye who held the national treasure.After giving a low shout, he increased his strength again.
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Yu Zijin looked up, first surprised, then overjoyed Su Brother, you re back Su Ye smiled and said, Where s your grandpa He s drying medicine in the backyard.
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Could it be that the owner is so dizzy and dizzy after looking at all the treasures Tantai Mo Ye also didn t expect the Tangtang Tiandan Immortal Sect.Well, there are still those who enter the ancient fantasy world alone.
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eyes invariably turned to the green demon who was struggling in vain in the Nine Palace Flag formation.Blocked the canyon. Seeing that the pursuers were in chaos, the Golden Crow Clan Leader, Bingdie, and Catfish Old Demon took advantage of the location, so they turned back and charged for a while The army of monks from the Aolai Kingdom who were chasing after them lost many foundation building disciples, making them even more crowded in front and behind, blocking the sword light of the Beizawa Sect Master and the two golden elixir elders behind them.
He just wanted to find Su Wan, the owner of Zuihua Manor, to try the efficacy of the beauty pill.They are all accumulated inventory, and keeping them is also an incentive.
There must be a secret among the treasures of heaven and earth Ye Ling concluded that the Red Lotus Fairy would not leave the Demon Sealing Ancient Realm without permission, and might not be able to pursue it so far.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.