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.
Los entrevistados para este reporte coinciden en afirmar que la asociación con un 3PL integral experto, sea en gestión de operaciones como de bienes raíces, puede proporcionar una solución perfecta y potente.
Con el análisis de datos públicos disponibles en la red podemos saber dónde se encuentra nuestro cliente, qué le gusta, en qué horario está online y cómo se comporta en las redes.
As Tang Jinhan is the most terrible topic maker on campus, everyone knows his situation clearly, otherwise everyone wouldn t be here listening to him talk for a long time.The second project that made Du Heng laugh and cry, and even felt ridiculous, was the acupuncture standardization research and standard setting.
Don t worry, I didn t contact the director here. I just told Dr.At this time, she couldn t suppress her cousin, but she had to protect her cousin s face.
Fortunately, Du Heng didn t ask any excessive questions yesterday, otherwise today s scene would have made him dig his toes on the ground in embarrassment.At this time, Lao You continued, Now let s take a look at the situation in West County.
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And you haven t been home for several days, so I just wanted to come find you.
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Even when we took the suspect to the scene of the crime and walked around the crop fields, the suspect s face had no expression at all.He was so embarrassed that he didn t dare to get out of the hospital bed.
There are countless distractions, and thoughts are everywhere, but I don t restrain them. Peixiang and Hongxia, two new faces, didn t dare to breathe.The young hidden official has not seen the light of day, but he is completely fine when looking at him carefully.
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Lan Yin.Shao Nan said softly while holding the storage bag.An old man in brocade clothes smiled to the side Shao Nan said.
Originally, Shao Nan didn t want to go to the black shop now.Xiao Cao er, where did the sorcery he cast on me just now go Disappeared Xiao Cao er responded.
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I think I never climbed to such a high position when I was in the middle stage of Golden Core.
First of all, it s my own reasons. I used to want to make money without wanting to learn.At this point, Du Heng felt that even now he was unlikely to be able to make such a decision.
Wu Shengnan sighed and said, In the end, there was really no other way.His hands were immediately crossed and placed in front of his lower abdomen, Hello, Professor Du.
Du Heng said calmly, His condition is urgent and violent, but it does not affect his foundation.But from Du Heng s point of view, he wished he wouldn t come here again with such ease.
The more times you re catch, the longer the intervals between hiccups become.It can be solved. Tang Jinhan s eyes widened even more at this time, Quchi point Is it just this one point Quchi point is the joint point of the large intestine meridian of Hand Yangming.
But at the same time, he also completely gave up the idea of renewing his relationship.He is also proficient in surgery. He believes in his ability and the results of this examination will definitely be correct.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.