10 days have passed since the first payments began to those who withdrew 10% of their pension funds. Some have already used the money, others they will have the opportunity to manage their savings. Experts explain what is the best alternative for the money to pay off.
Alberto Gerszencvich, manager of the company Remesa.cl, assured that if people do not have eating and / or consumption problems, his advice is that they should “pay debts”. This “means that it promotes savings, because I am failing to pay an obligation “, ratified.
Another option is return the money to the same pension system through Account 2, the system that allows money withdrawals, whose profitability has been 4% in the last seven months.
Account 2 “is a savings account where there are clear instructions: there are no commissions for investing in it and they have the possibility of making 24 withdrawals during a whole year,” explained the executive director of Brain Invest, Maria Eugenia Jiménez.
Francisco Ackermann, commercial manager and co-founder of Capitalizarme.com, commented that “if you are in A, you will have a benefit that they will contribute 15% for a limit of 300 thousand pesos per year in your savings, converted into an investment long-term”.
Ackermann himself gives another option for those who will be eligible for the maximum withdrawal of $ 4,300,000: “If you buy a DFL2, your first two properties less than 140 square meters, you have tax benefits and you do not pay taxes on the rents ”.
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Along the same lines, the expert mentioned that “if you buy through a mortgage loan, you have the benefit that allows discount the interest paid on the loan “. Even so, to obtain this type of loan, the bank requests a 20% standing.
Finally, the mutual funds or even buy dollars They are also cards to consider, but no expert bets on a single alternative, since they all have points for and against.
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