{"id":19852,"date":"2024-09-11T11:13:31","date_gmt":"2024-09-11T14:13:31","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=19852"},"modified":"2024-09-11T11:13:31","modified_gmt":"2024-09-11T14:13:31","slug":"nueva-tasa-de-interes-en-plazo-fijo-cuanto-gano-si-invierto-1-000-000-pesos","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=19852","title":{"rendered":"Nueva tasa de inter\u00e9s en plazo fijo: cu\u00e1nto gano si invierto 1.000.000 pesos"},"content":{"rendered":"

Detalles<\/h2>\n

Aunque los dep\u00f3sitos a plazo fijo tradicionales hab\u00edan perdido atractivo en comparaci\u00f3n con el a\u00f1o pasado, la reciente subida de las tasas de inter\u00e9s ha vuelto a captar la atenci\u00f3n de los inversores. Cu\u00e1nto es la ganancia si se invierte un $1.000.000.<\/p>\n

La reciente disminuci\u00f3n en la tasa de inflaci\u00f3n ha renovado el atractivo de los plazos fijos como opci\u00f3n de inversi\u00f3n en pesos, tras varios meses en los que su rendimiento no era competitivo frente a otras alternativas. En agosto, las tasas de inter\u00e9s para estas operaciones experimentaron un incremento significativo, llevando a los bancos a ofrecer rendimientos m\u00e1s atractivos para dep\u00f3sitos a 30 d\u00edas.<\/p>\n

 <\/p>\n

Actualmente, los ahorristas pueden obtener una tasa nominal anual cercana al 35% en plazos fijos, un aumento notable respecto a los meses anteriores. Sin embargo, esta tasa sigue estando 5 puntos porcentuales por debajo del \u00edndice de pol\u00edtica monetaria del Banco Central (BCRA), que se sit\u00faa en el 40% en la actualidad.<\/p>\n

 <\/p>\n

A pesar de la mejora en los rendimientos, la pregunta clave sigue siendo cu\u00e1nto rinde un plazo fijo en t\u00e9rminos reales. En este momento, el retorno mensual de un plazo fijo ronda el 3%, mientras que la inflaci\u00f3n se mantiene en alrededor del 4%. Esto significa que, aunque los plazos fijos ofrecen una opci\u00f3n de inversi\u00f3n con bajo riesgo, su rendimiento a\u00fan no alcanza para superar la tasa de inflaci\u00f3n, resultando en una p\u00e9rdida real para los ahorristas.<\/p>\n

Los bancos est\u00e1n aprovechando la ca\u00edda en la inflaci\u00f3n para ajustar sus ofertas y atraer a los inversores que buscan una opci\u00f3n segura. No obstante, los inversionistas deber\u00e1n considerar que, a pesar de los rendimientos m\u00e1s altos, los plazos fijos a\u00fan no garantizan una ganancia real neta debido a la persistente inflaci\u00f3n.<\/p>\n

Cu\u00e1nto gano<\/h2>\n

Por ejemplo, un plazo fijo paga $30.410,96 de inter\u00e9s mensual si se ponen $1.000.000 pesos como inversi\u00f3n inicial.<\/p>\n

El plazo fijo es as\u00ed: se invierten $1.000.000 de capital. A los 30 d\u00edas la cuenta tendr\u00e1 $1.030.410,96 de capital e intereses<\/p>\n

El inter\u00e9s que se pag\u00f3 fue de 30.410,96 pesos en 30 d\u00edas<\/b><\/p>\n

Otro ejemplo, cada $100.000 que se coloquen en plazo fijo se obtienen unos $3.000 en un mes. Es decir, si se depositan $500.000, el inter\u00e9s ganado ser\u00eda de\u00a0$<\/b>15.205,48\u00a0a los 30 d\u00edas que es cuando vence la colocaci\u00f3n. Pero si hace a 60 d\u00edas, el inter\u00e9s ganado ser\u00eda de $31.232,88.<\/b><\/p>\n

\n
<\/div>\n<\/div>\n

 <\/p>\n

Tasas de inter\u00e9s actuales banco por banco<\/h2>\n

Estos son\u00a0los intereses que pagan los bancos por el plazo fijo<\/b>\u00a0(tasa nominal anual):<\/p>\n

Banco de la Naci\u00f3n Argentina – 37%<\/b><\/p>\n

Banco Santander Argentina S.A. – 32%<\/b><\/p>\n

Banco de Galicia y Buenos Aires S.A.U. – 37%<\/b><\/p>\n

Banco de la Provincia de Buenos Aires – 35%<\/b><\/p>\n

Banco BBVA Argentina S.A. – 34,25%<\/b><\/p>\n

Banco Macro S.A. – 37%<\/b><\/p>\n

HSBC Bank Argentina S.A. – 33%<\/b><\/p>\n

Banco Credicoop Cooperativo Limitado – 35% \/ 35%<\/b><\/p>\n

Industrial and Commercial Bank of China (Argentina) S.A.U. – 33,55%<\/b><\/p>\n

Banco de la Ciudad de Buenos Aires – 34%<\/b>\u00a0<\/strong>Fuente: El Once<\/p>\n

\"\"<\/p>\n

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Nogoy\u00e1 Radios es una Agencia de Medios que cuenta con espacios publicitarios adecuados para la difusi\u00f3n de su Empresa, Profesi\u00f3n y\/o Servicios.<\/em><\/strong>#Nogoy\u00e1<\/em><\/strong><\/a>\u00a0Radios 3435-425167 \/ 3435-616203 contacto@nogoyaradios.com<\/em><\/strong><\/p>\n

\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Detalles Aunque los dep\u00f3sitos a plazo fijo tradicionales hab\u00edan perdido atractivo en comparaci\u00f3n con el a\u00f1o pasado, la reciente subida de las tasas de inter\u00e9s ha vuelto a captar la atenci\u00f3n de los inversores. Cu\u00e1nto es la ganancia si se…<\/p>\n","protected":false},"author":2,"featured_media":19853,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-19852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nNueva tasa de inter\u00e9s en plazo fijo: cu\u00e1nto gano si invierto 1.000.000 pesos - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nogoyatimes.com\/?p=19852\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nueva tasa de inter\u00e9s en plazo fijo: cu\u00e1nto gano si invierto 1.000.000 pesos - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Detalles Aunque los dep\u00f3sitos a plazo fijo tradicionales hab\u00edan perdido atractivo en comparaci\u00f3n con el a\u00f1o pasado, la reciente subida de las tasas de inter\u00e9s ha vuelto a captar la atenci\u00f3n de los inversores. 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