Regalos sí y ahorro también

Cuando alguien de la familia, del trabajo o del grupo de amigos, empieza a organizar el intercambio de pijamas, sabes que ya se acabó el año, nos alcanzó diciembre y con ello, se venció el plazo para cumplir con todas las promesas hechas con las uvas en 2017.

¿Suena lejano 2017?, pues así de rápido pasa el tiempo.

En caso de que salgas con maletas vacías a la calle en Año Nuevo para tener muchos viajes el siguiente año, o que tengas una variada colección de borregos de la abundancia para tener buenas finanzas personales, pero no has visto resultados, es momento de concretar esos objetivos.

Si eres de los afortunados que este año va a recibir aguinaldo, debes saber algunos puntos importantes. Según el artículo 87 de la Ley Federal del Trabajo, los patrones están obligados a realizar un pago de al menos el equivalente a 15 días de salario, así como que este pago debe ser recibido antes del 20 de diciembre.

Este dinero que estás por recibir no es un regalo o un bono por parte de tu empresa, es una prestación que tienes derecho a recibir por la actividad laboral que realizaste durante el año que está por finalizar, por lo que es resultado de tu esfuerzo. Por lo tanto, ¿no sería mejor hacer rendir más y mejor ese dinero?

Según la Condusef, 40% de los mexicanos gasta todo su aguinaldo en regalos, comida y compras navideñas. Sin embargo, expertos en finanzas personales señalan que el aguinaldo debe dividirse en 4 partes.

• 25% a metas de mediano plazo, como el enganche de un auto.
• 25% al pago de deudas, como de tarjetas de crédito.
• 25% para gastos de la temporada navideña, como regalos.
• 25% para el ahorro, para cuando decidas retirarte.

En caso de no tener deudas o metas a mediano plazo, se puede invertir mayor porcentaje al ahorro para el retiro. Una de las mejores opciones para concretar el ahorro y a la vez estar protegido contra alguna eventualidad como un accidente o una enfermedad, es un Seguro de Vida con componente de Ahorro.

“El ahorro a largo plazo no forma parte de la cultura del mexicano ni se contempla entre las prioridades de las familias, sin embargo, en esta época del año, el buen uso del aguinaldo, es una buena manera de comenzar con el ahorro para el logro de objetivos concretos”, aseguró Arturo Zambrano, gerente de estrategia de productos de Seguros Monterrey New York Life.

Con un ahorro de este tipo, te proteges a ti y a los tuyos, en caso de que les llegaras a hacer falta. Una de sus ventajas es que te da la opción de decidir la cantidad que puedas aportar cada mes, así como el tiempo de la inversión. Al cumplir el tiempo establecido, se tiene acceso al ahorro y ahora sí, a cumplir con esos objetivos pendientes.

Fotografía. El Imparcial Oaxaca

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