He Payout half bonus December once again raises a key question for thousands of Argentine workers: What to do with the pesos so that they don’t lose value in a few weeks? In an environment where inflation is still present and expenses multiply at the end of the year, leaving money in the salary account is the worst decision, according to experts.
Today the scenario is different than other years. The relative exchange rate stabilityThe competition between virtual wallets and the wider range of simple instruments allows the ordinary saver to put together a strategy without the need for technical knowledge. The secret lies in the order of priorities: liquidity to spend, coverage to save and a small flexible portion.
Assuming a half bonus of $500,000The most recommended approach is not to make a single move, but to distribute the money according to deadlines and goals. December is not a month to bet everything for the long term or to dollarize 100% with no room for maneuver.
With this logic it is market Today we propose three basic moves that, taken together, will allow us to get through the holidays, summer and the start of 2026 without financial shocks.
The first decision: Earn the peso without losing liquidity
However, a central part of the bonus should remain available Generate performance. In the $500,000 scenario, many analysts suggest investing about half in instruments that pay daily interest, such as paid virtual wallet accounts. The point is not to invest for the long term, but rather to prevent inflation from eating up the money while it is being used.
with some $250,000 is deposited into these types of accountsthe money starts paying from the first day and can be withdrawn at any time. This is crucial in December, when expenses arise without warning and financial rigidity becomes an issue. Every day that these pesos generate interest is a relief to the wallet.
The added benefit is psychological. Knowing that money is available reduces anxiety and prevents impulsive decisions. Unlike the fixed term, there is no penalty for withdrawing funds or deadlines to meet, which is essential in a month as unpredictable as December.
In practical terms, this bonus part fulfills a double function: it finances immediate expenses and protects purchasing power. It is not a speculative bet, but a defensive tool that has now become a central part of daily money management.
Dollarize a part: exchange rate stability as an opportunity
The second recommended step points to savings itself. In the example, $500,000: Allocate about $150,000 per finance dollar It seems like a sensible strategy for those who want to protect values and think beyond December. The dollar does not generate interest, but is still the asset that offers predictability.
The relative calm of the exchange rate reactivated interest in Dollarization before summer. Historically, the months of January and February typically bring greater exchange rate pressures and many prefer to anticipate. Buying dollars when the market is calm is usually more effective than doing so amid tensions.
This part of the bonus is not intended to be spent. It is the money that is saved for vacations, among other thingsn future trip or simply as a backup in the event of an economic shock. In a volatile country, this calm has concrete value.
In addition, dollarizing part of the income helps equalize general strategy. While the pesos are holding up well in the short term, the dollar is taking on the role of anchor in the medium term, reducing the risk that an exchange rate correction will wipe out the entire semester’s efforts.
The flexible scope: adapt without errors
The rest of the bonus, approximately $100,000remains a flexible section. This part allows us to adapt to the events of the coming weeks without compromising the general plan. The proceeds can be kept in pesos or used as needed.
For conservative profiles, this money works as additional liquidity cushion. For others, it can be access to simple tools to learn without risking too much. It is important that this is not a critical amount for financial balance.
This margin avoids one of the most common mistakes in December: tying up the entire bonus at once. A “free” portion reduces stress and enables more rational decisions as the context changes.
In short, this section is not about maximizing performance. but to give flexibility. In a month full of expenses, unforeseen events, and quick decisions, that elasticity is worth as much as a good rate.
Why the fixed term lost its importance this December
He traditional fixed term has been relegated compared to these more dynamic alternatives. With tariffs that do not stand out clearly from the rest of the market and the obligation to freeze money for 30 days, it is now only attractive in very specific situations.
For someone who makes $500,000 and knows for sure they won’t need that money until mid-January, it could be an option. But in December, that security rarely exists. Any unforeseen event forces you to break the strategy and bear the costs.
In addition, year-end inflation and seasonal spending mean Rigidity plays against it. The price difference does not always compensate for the loss of liquidity, especially if there are alternatives that provide returns on a daily basis.
Therefore in the current regulation, The fixed term was no longer the protagonist of the bonus. It did not disappear, but it began to take a secondary role compared to more flexible options adapted to the real rhythm of the Argentine cauldron.
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