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.
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There is a huge hanging mountain that is constantly sinking, which is about higher than the five mountains of China put together.They arrived quietly. Ascension realm sword cultivator, female ghost fairy Baolin, one of the ten candidates in the world of Qing Ming.
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Secretly, Yu Xuan personally treated his direct disciple Xue Zhi. At the age of 30, he selected a few of the most arrogant people from each sect and took them to Luopo Mountain so that they could see what a truly smart person is.What s more, you are a layman with Wangqi and Corpse Analysis. It s fun to watch. Gu Lingyan was extremely curious and asked, May I ask you, Master, what happened to Ma Kuxuan That was one of the ten candidates in the world Is it just that cold If Ma Kuxuan were replaced by a wild monk, he would definitely be among the Heavenly Stems, and his future would be bright.
Just think of it as forming a good relationship with Yaojiashan on the way to practice. In the future, when Song Juchuan and Zhong Shan leave the army, they will have a place to stay on their way out for training.Gu Can looked weird. Chen Pingan smiled and said, Simply health acv keto gummies reviews [zvw5ycbkq]
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She was a little surprised that Master Wu had set up a fortune telling stall inside the house But the problem is that the old man in front of him doesn t look like a rich man.When Ma Yanshan heard the answer he least wanted to hear, he felt like he had finally received a reassurance.
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It s best not to reply. It s just a matter of having too many pairs of chopsticks, but in fact it s not the same thing.If he did not kill his inner demon, he would go crazy. Otherwise, as long as Mi Jianxian did not hinder the killing power of the Nascent Soul realm, He will never want to take the initiative to enter the Jade Pu Realm.
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As a result, this great monk who was once in the limelight was actually blocked by Taoting during a trip.He didn t look like a scholar, but more like a gangster, who was used to being a gangster. The master who eats black things. With a wave of his hand and just one sentence, Mei Fujun was silenced.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.