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how much you lose if you invest in a traditional fixed term


The interest rate is negative in real terms, at least for the next few months, since December and January are expected to have price increases of more than 20%.

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Since he took over Javier Milei, was reduced interest rate from 113% to 110% for deposits traditional fixed term, which implies that, for a 30-day deposit, the yield drops from to 10.93%, to 9.1%.

It should be noted that this interest rate It is negative in real terms, at least for the next few months, since December and January are expected to have price increases of more than 20%.

Fixed term: how much money do I get with this rate

With this change, the fixed deadlines made starting December 19 from 2023 They will pay interest of $9,041.1 every $100,000 for 30-day placements.

Now let’s look at an example of compound interest. If it is fixed term is renewed upon expirationincluding capital and interest, after 12 monthsthe profit will be $186,650 with an annual effective rate of 186.65% (TORCH) when before it was 253%.

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The traditional fixed term is paying a rate that is negative compared to inflation.

The traditional fixed term is paying a rate that is negative compared to inflation.

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Fixed term: how much do I lose if I invest in a fixed term

According to the financial analyst Christian Butler“if inflation travels at 1% daily with the current fixed-term rate, loses $7,000 per day”, this is what he stated in his X account. It is worth clarifying that this amount is an estimate and depends on the amount of money invested.

Fixed term: why it is not advisable to invest

The idea of ​​investing money and withdrawing the interest to spend it may be attractive, but in this context it is highly not recommended. First, because at this moment The fixed term pays a negative rate (in the event of an inflation of 30% monthly, it pays less than 10%)and second because when interest is withdrawn, the capital continually loses value in pesos.

The UVA fixed term remained the only fixed term that pays a positive real rate, since The Central Bank lowered the traditional fixed-term interest rate by 23 points.

The UVA fixed terms are fixed terms that adjust for inflation, through the formula UVA+1%. It is a deposit in pesos for at least 90 days up to 365 days that adjusts the rise in inflation plus a rate of 1% annually.





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