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.
Resulta tentador saltar directamente al diseño de la cadena de suministro verde; sin embargo, el éxito a largo plazo depende primero de sentar las bases adecuadas en cada eslabón que la conforma.
De acuerdo con la Delegación de la Canacar, se tienen más de 6 mil 500 unidades de 169 empresas afiliadas. Desde aquí se maneja 74% de la carga consolidada de la región y 9% del total nacional.
If he hadn t reacted and took action in time, Gou Rui would have disappeared by now.It was like there was an invisible thin thread hanging in the void, slowly floating towards He Wenxin.
If you are lucky enough to be adopted as a concubine, it will be a good ending.That s the way to die As soon as he finished speaking, the sword energy on Ding Heng s body soared into the sky.
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Immediately afterwards. He gathered the golden elements in his lungs and gathered his hands together.Eric, who had been paying attention to Lin Beichen, looked confused.
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Boss, you were the one who made the joke on me first.
Their expressions became more serious and their brows were furrowed.Let s go down the mountain
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He even went to Longhu Mountain. Speaking of which, he Did he go to enlightenment Does he believe it Is there anyone like me You can feel Lin Beichen s elegant and free temperament from the photos It matches perfectly with this sketch and landscape painting I just finished the college entrance examination.
For a time, he became more and more convinced of his previous inferences and guesses.The new igniter is twice as large as the previous igniter, and obviously, the voltage it can output is also stronger.
It turned out that it was during the time when Eric was rushing back.It not only records every move of Lu Japanese Boxing, but also contains the understanding and improvement of Lu Japanese Boxing by successive generations of descendants.
He did not notice that his arm would shake slightly every time he was shocked.However, they didn t wait to think about the questions in their minds.
Behind him, the crater on the top of Mount Jingli seemed to be So close.999 comment sections are everywhere. Soon, several comments suddenly emerged among these comments, attracting the attention of netizens.
Those who have evacuated are more of the main force in clamoring online.Lin Beichen walked into the store, looked at the tent, and said, Boss, I want to buy a tent.
I have been cultivating the rotation of the four seasons for hundreds of years.Ouch The giant white dragon pierced through the clouds and the sky, its body surrounded by thunder and covered with open wounds.
She didn t expect that the power of Yinglong s essence and blood would swallow up the trace of Azure Dragon s essence and blood in the Azure Dragon Spear.She made a list and asked Biyou Palace to give it to her first.
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Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.