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.
Si este año no es la excepción y las ventas se incrementan, es importante estar preparado desde un comienzo, tomando en cuenta los consejos de Microsip.
La instalación de una solución completa para el fin de línea de Coca-Cola Bottling en Indonesia, incrementó en 50% la eficiencia de la línea en una de las empresas de producción de bebidas más importantes del país.
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Although Qingyang is only a small deacon in the Farming Institute, his income is very high.Hurry up and work on your skills. I ll be there to give you a helping hand.
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This person is dressed in brocade clothes, elegant and elegant, with a somewhat evil look in his eyes.He can t die, just ask him for the rest Wu Juan hummed, and then walked out directly.
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When he meets his wife, the real fire is melting, and the mist rises, directly covering him.In fact, this was not a seizure, but a new copy. So, My master s soul memory, that is, his consciousness is still in the underground of Kunlunxu Ye Fei shouted.
The subtle connection was cut off, and two of the seven star life extending lamps went out directly, and they could no longer be renewed.He would definitely not be able to afford it. Therefore, Ye Fei Fei decided to use the teleportation domain gate to get there.
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Old guy, you still behave well after getting a small advantage.Yes, listen to big brother in everything. Wei Guangde s eyes lit up and he said hurriedly.
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This place is Thousand Burial Mountain, beast, what are you doing here This is the battlefield where Jiutian Dangmo fell.behind him. Brother Ye, be careful. These people from the Yin Yang Sect are not good birds.
This was already beyond his limit. Even though his fighting power was astonishing despite the limit his body could bear, the consequences also made Ye Fei miserable.It seems something really happened Xinglan said solemnly, because the higher ups were worried about causing panic and could not allow so much negative news to appear.
Who are you The governor frowned. Wang Chao of the Xiliang Family is responsible for liaising with the Tianyuan Group and the family, Wang Chao said seriously.After all, after entering, he Complementing the Morning Ritual has to fight with some people inside.
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He had known this. He would never agree to Master coming to this crape myrtle star field.It was a dark era for many great religions, aristocratic families, sects, and even the secular world.
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Come. At this moment, the Yin Yang Sect is far away.Tang Wuzang stared at Ye Fei. In fact, this was the purpose of his coming.
Seeing Ye Fei like this now seemed to make him see himself back then.
Por Diego Paillés, director general de LaTasa.mx- Fintech de inversión.