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.
Diseñado para que sea sencillo e intuitivo para los clientes, Hitachi IoT Appliance ayuda a los usuarios a lograr rápidamente sus implementaciones de IoT.
l mercado de cloud se multiplicará por seis en los próximos cuatro años, pasando del 7% actual al 41% del total global de las comunicaciones unificadas en 2020.
It is just tasteless, Lin Xiaoyou, I think you have worked hard this time, and you almost lost your life.But Lin Haoming smiled wryly and said, At the beginning, I was also pushed into a hurry.
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It was obvious that the arrow just now was fired with the help of this long bow.Just for a moment. The joy on Lin Haoming s face gradually subsided, and as he browsed, a little surprise gradually appeared on his face, but there was some regret, and finally he fell into deep thought.
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There was a scream, obviously they misjudged their own strength from the beginning, the power of the God Transformation Realm is far from being comparable to dozens of Dao Embryo Realms.Because it was the first time I came here, I ordered seven or eight dishes seemingly randomly.
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At this time, her face turned dark again, as if the poisonous gas was coming up again.The Thief City was built at the junction of the Shuangfeng River and the Fengling River.
Pear Blossoms Like Snow, I will give you a name called Lixue.If Fellow Daoist Fu had brought out this treasure earlier, we wouldn t have allowed Yunkun to leave so easily.
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Facing Lin Haoming s questioning, Han Ningxiang didn t know how to answer for a while.
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I am afraid it will be at least a hundred years later.Some magic skills that have not been cultivated successfully for many years may be able to be cultivated.
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The people of the Pulsatilla family seemed to be facing a formidable enemy.Is it the Dragon Prince Toad gritted his teeth, Lin Xuan also frowned.
He didn t expect that he was still an old acquaintance.However, Lin Xuan stood up and said, you two, let me come, this is my battle.
Then, in a second, his entire chaos law spread, Impossible The chaotic man is terrified, has the law of chaos been broken escape.They have searched countless times, but they have not found the other party.
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Can t stop. As his voice fell, the icy aura that emerged from his body was very terrifying, and several ice dragons formed, baring their teeth and claws between the sky and the earth.She sneered, Lin Xuan is just a coward, if he dares to come, I will suppress him with one hand.
Netizens please remind Please pay attention to rest your eyes when reading for a long time.Now it appears here, maybe there is such a heaven defying opportunity.
The Holy Abyss God General said that every time you enter the Holy Abyss Tower, you need ten holy crystals.