Fixed term or dollar? The most profitable option to save

In times when any investment is useful but it also seems not to be entirely profitable, let’s see how much it benefits us to bet on a 30 day fixed term with different deposits. Day by day, interest rates remain at 75% annual nominal.

Let’s go with concise examples. if we deposit 10 thousand pesos in a fixed term of 30 days, once the refund has been fulfilled, it will be 10,616.44 pesos. This means that vested interests are 616.44 pesos. In annual terms, cWith 12 consecutive fixed terms with the same reinvestment, the return will be $20,499.63.

Now, if we deposit 50 thousand pesos within 30 days, 53,082.19 pesos are returned. Per year, the profit would be 102.448,17 pesos.

Now let’s scale a little more: if the initial capital were 100.000 pesos, following 30 days $106,164 would be obtained. In a year, meanwhile, the results would amount to $ 204.996,34.

Finally, if we had the possibility to put one million pesos in a fixed term, following 30 days we would have $61,643.84 more. With the same annual reinvestment, it would amount to $ 2.049.963,41.

It is important to know that the traditional 30-day fixed terms are for individuals and for no more than 10 million pesos.

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