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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¿Sabías que las soluciones de selección por voz han evolucionado para trabajar en conjunto con robots móviles autónomos (AMR) en los almacenes? Además de mejorar la precisión en la preparación de pedidos, estas tecnologías mantienen a los trabajadores con las manos libres, permitiéndoles enfocarse en tareas críticas.
La colaboración entre el sector público y empresas privadas de tecnología puede contribuir a una sinergia que ayudará a lograr que México se posicione en la economía mundial.
Above the head, there is a roaring wind, as if there is something invisible, and meteors are flying down with heavy fire.Over the years, Anan has grown so much that Jiang Yuebai has the urge to try her hand at her.
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The secret room full of blood talismans was intact.Isn t it just because there are so many loopholes that we are constantly filling them In fact, it is not necessary at all.
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The three giant spirits retreated in fear, and the black mist on their bodies was sucked into the tornado together with the thunder and lightning
In the blink of an eye, the giant spirit s body disintegrated, leaving only a few pieces of magnet hanging in the air, which were smashed and absorbed one by one by the Yuan Magnetic Ruler.
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As long as they are pious enough, they will give them the second level martial arts skills.Only the Golden Crow Fire could be promoted to the Divine Fire of the Sun.
Grass Dragon took that guy and Frost Dragon and died together.The mountain breeze blows the morning mist, and the green smoke envelopes people s homes.
The blue fire attracted the blood skeleton s attention.You always think about farming wherever you go, haha
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Ah Tong Yi was ashamed. Zhu Song signed pricing agreements and shipping agreements one after another
The leader s name was Shen Yi. December 10th. A large number of reporters came to the Fujing intersection.If you really want to do it, there is nothing I can do to stop it.
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This time, it s the furniture brand of Qi s Home Furnishing.Along the way, it seemed vaguely that this new student quickly became mingled with the boys and started joking.
but Xiao Jia Quiet, Xiao Jia Quiet, you solve their employment problems.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.