At the beginning of the last month of the year and collecting half a bonus, Many savers seek to allocate this extra income to different investment alternatives.
Years ago, as a result of high inflation, many workers invested their bonuses due to the urgent need to preserve their purchasing power in the face of sudden price rises. Today the situation looks different: with lower inflation, a more regulated market, and unusual levels of stability for the Argentine economy, savers are taking an extra moment to think about where to invest their rewards and plan for the long term. The key is to choose options that fit the investor’s profile: How much risk are you willing to take?, How much liquidity do you need? and What are your goals with this money?
What to invest the bonus in
A few days after receiving the second batch of… Supplementary Annual Salary (SAC)RIBA experts highlight the importance of planning its use and taking advantage of simple and accessible investment tools to protect purchasing power.
According to specialists, it is better to avoid leaving money tied up in accounts that do not earn interest, and instead, Choose tools that allow you to preserve the value of savings and achieve profitability. Among the alternatives most chosen by Argentines are the purchase of the official dollar or MEP, mutual funds (FCI), CEDEARs and fixed terms, options that adapt to different risk profiles, and Reba comments.
Mutual funds are an excellent alternative to start investing without complications. They allow Diversify money With a low initial amount and leave the management in the hands of specialists. There are conservative, moderate and riskier boxes, depending on each profile.
On the other hand, if there is interest Investing in companiesyou can choose local stocks or CEDEARs, which are securities representing shares of global companies such as Apple, Coca-Cola or Tesla. They have greater risk, but they also have greater growth potential.
Likewise, the MEP dollar is ideal for protecting money against inflation or saving in a more stable currency such as the dollar. that it A simple, fast and legal way to buy dollars From a peso account, without restrictions. next to, It can be operated from a cell phone And benefit from the market exchange rate without relying on intermediaries.
Bonds also appear as a good option. These are debt securities issued by the state or companies. You can choose bonds in pesos or dollars (eg dollar peg). It’s useful if you want to collect Periodic income and diversification.
If you want to take more risks, you can explore the world of cryptocurrencies. Bitcoin, Ethereum, or stablecoins such as USDT or DAI are options that can be used They work 24/7 And the show High volatility and return potentialalthough there are greater risks. You can also combine several options to build a balanced strategy: One part is in FCI, another in MEP dollars, and a smaller part in CEDEARs or cryptocurrencies, for example.
See specialists
“Every bonus represents an opportunity to improve your personal financial health. The important thing is not to let it stand still: Investing, even partially, can make a difference and help us end the year with more predictability.He explains Vanessa Di TruglioBusiness manager at RIBA.
“Today, technology gives us access to investments that were previously reserved for experts. In this context, Allocating a portion of your bonus to investing is a smart decision to protect purchasing power and turn extra income into a real opportunity for financial growth.concludes Di Truglio.
December 2025 bonus: when it is collected and how it is calculated
next to, Julio BastianelloRegarding the bonus, the financial advisor commented: “The starting point is to realize this The worst possible use of a reward is not to use it. As in any economic decision, the personal context governs: it may be reasonable to cancel a debt that erodes the monthly budget, to face deferred and essential expenses, or, more directly, to choose an investment that allows to stabilize expectations and improve the future financial situation.
According to Bastianello, the most popular investment alternatives can be ranked by degree of risk, from lowest to highest.
First of all, financial markets, We are Mutual funds (FCI) with very low risk and high liquidity, which act as a “pass-through.” secondly Short-term fixed income With a maturity of approximately 18 months, such as Treasury bills and promissory notes. Its main characteristic is low risk and low volatility, making it suitable for conservative profiles. They have real rates that can be around 38/45%, according to Bastianello.
In third place appear Total return strategiesWhich provides greater flexibility for the administrator, and thus greater risk for the investor. As a last resort there Variable incomefocusing on local actions and eventually CEDEARs, were presented as the most aggressive option.
In conclusion, Bastianello points out that “the final decision, as often happens in the world of economics, is like choosing a direction on a partly cloudy map: it is not a matter of guessing the future, but of preparing for different scenarios. Therefore, December may not just be the end of a year, but rather the end of a whole year.” But also the beginning of a more conscious financial strategy.
What is the reward
he Supplementary Annual Salary (SAC)known as Bonusconsists of an extraordinary payment to those who work under a relationship of dependency. Labor laws define it as a Extra payand provide support at two main times of the year: June and December.
The reward corresponds to Best monthly salary Which the employee receives each semester. Because of its importance, millions of families use this income to cover year-end expenses, make pre-holiday purchases, or pay off debt. It is obtained by the registered worker without discrimination of category, category or agreement.
When is the bonus collected and how is it calculated?
The December bonus must be paid Before December 18 of each year. This date responds to provisions Employment contract law And it works like maximum. If the deadline falls on a non-business day, the deposit must be made on the previous business day.
Some companies choose to pay in advance, so the worker gets the money before the vacation. Meeting a deadline is part of supervising work activity. Employees must receive Second batch of SAC Within the period specified by law.
Bonus calculation starts from Determine the highest monthly wage he received During the six months prior to the date of payment. This number is applied 50%which determines the corresponding amount of SAC.
For those working with Less than six months as of December 31the reward is settled proportionately. The amount originates from Multiply the best monthly wage by the number of months worked and divide the result by 12.
The settlement must include everyone Remuneration conceptsSuch as base salary, regular overtime, commissions, and payroll bonuses. Deductions for social fees and pension contributions are applied in the same way as monthly salaries.
In cases Variable salary Or non-fixed payments, such as commissions, employers should consider The month with the highest gross income To calculate the bonus. The salary receipt must reflect payment details and allow verification.