With the arrival of the bonus, Thousands of Argentine workers are faced with the decision of how they want to deal with this additional income. Financial experts recommend Don’t just allocate it to immediate expenses, but rather use it Eliminate debt, strengthen your emergency fund and start investing according to each person’s risk profile.
According to CNV consultants such as: Adriana Czerwony (balance), Sabrina Melero (Financial advisor CNV 2620) and Ivan Vallejos (I transcend).
Bonus December 2025: Who will collect it
On the other hand, that is bonusalso called Additional Annual Salary (SAC)is a special payment that employees receive and which corresponds to half of the average monthly salary for the corresponding semester. The payment is made in two installments: one in June and one in December, and its purpose is provide additional income This allows you to manage extraordinary expenses or strengthen your personal economy, such as: B. through savings, investments or paying off debts.
Organize your personal finances before investing
Before considering investments, experts agree that they are crucial Prioritize financial health. Sabrina Melero explained to PERFIL: “If you currently have ‘bad debt,’ ie Debts with interest rates above inflation You priority should be cancel these debts. If you use some or all of your bonus to reduce your balance, you may pay less interest in the future.”
For those making less than $500,000, this means making minimum payments on cards, personal loans, or virtual wallets.
Those receiving between $500,000 and $1,000,000 should, in addition to checking their debts, reinforce their debt Emergency fundideally equivalent to one to six months’ income.
With income greater than $1,000,000 Ivan Vallejos, Leader of I transcendrecommended reviewing debt and consolidating your emergency fund before using the rest for investments.
Investment options depending on amount and profile
A. on his partDriana Czerwony, Financial advisor Balanceproposes that for those employees who receive a bonus with amounts less than $500,000, depending on their profile, the following applies:
– Conservative: short-term mutual funds (FCI) in pesos or dollars, Bopreales bonds and some tradable bonds.
– Moderate: Global fixed income FCI, CEDEARs and Bopreales bonds.
– Clearly: CEDEARs from global sectors and solid Argentine stocks.
ANSES bonus December 2025: Who collects it and how much does he receive?
For employees who receive a bonus in the meantime $500,000 and $1,000,000you can build more diversified portfolios:
– Conservative: FCI short-term dollar, short corporate bonds and defensive CEDEARs.
– Moderate: FCI bonds, emerging market CEDEARs and medium-term government bonds.
– Clearly: Combination of CEDEARs, Argentine stocks, international ETFs and long government bonds.
Payment of salaries and bonuses for public employees: Province agrees to provide assistance to municipalities
On the other hand, for employees who receive a bonus Amounts greater than $1,000,000The investment can be aimed at medium and long term:
– Conservative: high quality corporate bonds and low volatility global ETFs.
– Moderate: Mixture of government and corporate bonds, CEDEARs and backing with Bopreales and gold.
– Clearly: Complete portfolio with Argentine and global stocks, sectoral CEDEARs, long bonds and FCI long pesos.
Diversification and opportunities in the market
Diversification enabled Reduce risks and smooth volatility. Mixing pesos, dollars, fixed income and stocks increases the likelihood of achieving better real returns and avoids common mistakes such as focusing on fixed terms or dollarizing without a strategy.
ANSES bonus December 2025: Who collects it and how much does he receive?
In the area of fixed income securities, Iván Vallejos emphasizes that the highly rated tradeable obligationslike YPF and Pampa Energía, are reliable options. The Bopreales Series C and D They offer annual returns of 8 to 9% in dollar terms with semi-annual payments, an attractive alternative for diversified portfolios.
With variable returns, CEDEARs provide access to international stocks from Argentina. SPY, META and BRKB stand out as alternatives for moderate profiles, while Adriana Czerwony mentions opportunities for riskier investors NVDA, Vista Energy (VIST) and Mercado Libre (MELI)taking into account emerging market exposure and industry volatility.
What is expected from the dollar in December 2025: year-end with bonus and greater demand for pesos
Finally, experts agree that it is not necessary to be an expert to invest. According to Czerwony, “Anyone can do it with small amounts and with the proper guidance of a licensed financial advisor.” The bonus can become Starting point for solid financial planningwhich combines savings, investments and planning for future consumption. The key is inside Define goals, respect the risk profile and diversify between short-, medium- and long-term instruments.
GZ/lr
About The Author
