The most profitable investments

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Part of your next bonus could be saved in a fixed-term deposit.

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PERU21 Editorial
Update Date
08/26/2019 - 05:58
José Carlos Reyes,[email protected]
In the coming days, many people will receive the long-awaited reward. After the usual expenses, in some cases there will still be a balance. What would be the best savings and investment options in the financial system?
In the current situation, in which the Lima malaysia number screening Stock Exchange (BVL) has suffered a loss of 26% so far this year, one of the safest and most profitable alternatives is fixed-term deposits, stresses Juan Carlos Ocampo, a personal finance specialist.
In this sector there is tough competition between banks, municipal, rural and financial institutions.
According to information from the Superintendency of Banking, Insurance and AFP (SBS), Banco Azteca is the one that offers the highest interest for one-year fixed-term deposits , with a rate of 6%. It is followed by Financiera Universal (5.7%) and Caja Rural Señor de Luren (5.6%).
IN SOLES OR DOLLARS? Although the dollar has risen by almost 10% this year, Ocampo recommends making deposits in national currency.
"This way, the risk of the exchange rate falling next year is avoided. It is impossible to predict how it will change, as there are several factors that influence the exchange rate," warned the director of the mundonegocio.pe website.
This advice applies to any savings or investment option, he noted.
IMPACT ON THE CHAIN ​​The sharp fall in the BVL also affected mutual funds and AFP funds (where people invest with contributions without a pension purpose).
According to figures from the MC&F consultancy, up to October, mutual funds recorded, on average, a negative return of 1.2% per year, with a maximum gain of 8% and a minimum of -20%, depending on the degree of exposure to the stock market.