For the fortnight of July, more than 4 million workers in the private sector have received additional income from the payment of the gratuity, which is the sum of a salary plus a bonus of 9%.
With this new extra amount in the pockets, the options to make money profitable are expanded. Thus, specialists recommend taking advantage to pay debts, credit cards, loans and mortgage loans. “75% should go to savings and investment and 25% for fun. Under this premise, if I do not know about investments, the best thing is something that does not have risk such as fixed income, whose instruments are the term deposits”, indicated Walter Eyzaguirre, an economist specializing in financial education.
In this sense, the interest rates offered by financial institutions have presented an upward trend that makes them increasingly attractive for users who have a more conservative profile, who seek to make their money more profitable by simply keeping it in a deposit account. saving.
Term deposits are sums of money contributed to a financial institution in exchange for receiving interest generated during a period of time. Photo: Andean
long term
Mibanco has the highest average annual interest rate with 8.46%, followed by Pichincha (8.42%), Interbank (8.23%), BCP (7.76%), Scotiabank (7.74%) , BBVA (7.45%), among others, according to information as of July 14 from the SBS.
Likewise, the municipal boxes they also present high rates per year. Caja Piura maintains 8.56%, Caja Arequipa (8.34%), Caja Sullana (8.03%), Caja Huancayo (7.11%), Caja Paita (6.76%), among others.
For Javier Gamboa, manager of Financial Insurance and Pensions, we are at a “turning point” for rates and in the coming months they could drop. “Interest rates may begin to fall and what is recommended are alternatives to longer terms, of three, five or ten years, to be able to anchor rates that are currently high for long periods,” he specified.
Tips for opening a deposit
Specialists indicate that you must be sure of the term that will be chosen to avoid penalties, as well as the certainty that the amount that they are going to allocate was not required for immediate payments.
The solidity of the financial institution, be it a bank or municipal fund, should be taken into account and the interest rates offered by the market should be compared. Users can open an account approaching financial institutions or virtually on the web.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
