Stock guarantees are gaining prominence with rates above 50% and are outperforming fixed-term deposits and virtual wallets
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Stock exchange repos have become the star of the market. The rates they offer far exceed those of time deposits and virtual wallets.
This instrument, previously exclusive to professional investors, now attracts conservative savers due to its profitability and flexibility.
El proceso para pedir el prestamo de Mercado Pago
What are stock exchange repos and how do they work?
A stock exchange repo is a very short-term loan between investors, secured by securities such as bonds or stocks.
The transaction is agreed upon for terms ranging from 1 to 120 days, but today, one-day placements have rates above 50% nominal annual rate, far surpassing other instruments.
Why have repos become the preferred option?
Immediate liquidity: the money plus interest returns the next day.
Low risk: secured by securities and regulated by BYMA and CNV.
Flexibility: you can renew or withdraw the capital day by day, something impossible with traditional time deposits.
Se prevé una inflación moderada para noviembre
Comparative performance example
If you invest $1,000,000:
One-day repo at 50% nominal annual rate: estimated monthly gain of $41,000.
Time deposit at 39% nominal annual rate: monthly interest close to $32,083.
Virtual wallet at 29% nominal annual rate: approximate return of $29,166.
The difference is clear: repos almost double the return of many conservative alternatives.
La billetera virtual que escapa a los controles de ARCA
Ranking of time deposits and virtual wallets
Most profitable time deposits
Reba and Banco Hipotecario: 39% nominal annual rate
Banco Provincia de Córdoba, Voii, Meridian, Mariva, and CMF: 38% nominal annual rate
