{"id":35852,"date":"2024-01-08T15:07:56","date_gmt":"2024-01-08T18:07:56","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=35852"},"modified":"2024-01-08T15:30:16","modified_gmt":"2024-01-08T18:30:16","slug":"que-se-viene-para-la-tasa-de-los-depositos","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/que-se-viene-para-la-tasa-de-los-depositos\/","title":{"rendered":"\u00bfQu\u00e9 se viene para la tasa de los dep\u00f3sitos?"},"content":{"rendered":"\n

Luego de alcanzar su pico a comienzos de 2023, la tasa de inter\u00e9s por un dep\u00f3sito a plazo contin\u00faa cayendo<\/strong>.<\/p>\n\n\n\n

En 2023, los dep\u00f3sitos a plazo llegaron a ofrecer tasas atractivas<\/a> de hasta 8% en soles a un plazo de un a\u00f1o. Las personas que ten\u00edan ahorros y que no necesitaban en el corto plazo su dinero decid\u00edan poner a trabajar sus excedentes.\u00a0<\/p>\n\n\n\n

Baja la tasa de inter\u00e9s para los dep\u00f3sitos <\/h2>\n\n\n\n

Sin embargo, el Banco Central de Reserva del Per\u00fa<\/strong> (BCRP) comenz\u00f3 a bajar la tasa de inter\u00e9s de referencia<\/strong> como producto de una menor inflaci\u00f3n y una lenta actividad econ\u00f3mica (recesi\u00f3n). En respuesta a esto, todos los bancos y financieras de nuestro pa\u00eds tuvieron que disminuir la rentabilidad de los dep\u00f3sitos para ajustar su tasa a la del BCRP.<\/p>\n\n\n\n

En enero de 2024, muchos de los dep\u00f3sitos que las personas tomaron en el 2023 vencer\u00e1n, y cuando se tenga la intenci\u00f3n de renovarlo no podr\u00e1n hacerlo a la misma tasa de 8%<\/strong>.<\/p>\n\n\n\n

Como explicamos l\u00edneas arriba, en la renovaci\u00f3n de un dep\u00f3sito se debe tomar la tasa m\u00e1s reciente que ofrecen los bancos. En la actualidad, los dep\u00f3sitos est\u00e1n ofreciendo un rendimiento de 5.70% en soles y 4.45% en d\u00f3lares<\/strong>. Esto es mucho menos de lo que se pagaban antes.<\/p>\n\n\n\n

Mientras la inflaci\u00f3n siga desaceler\u00e1ndose y se requiera seguir reactivando la econom\u00eda, el BCRP tendr\u00e1 que seguir bajando la tasa de inter\u00e9s, lo cual afectar\u00e1 a\u00fan m\u00e1s la rentabilidad de los dep\u00f3sitos.<\/p>\n\n\n\n

Tasa de inter\u00e9s real <\/h2>\n\n\n\n

Si bien es cierto que la inflaci\u00f3n viene desaceler\u00e1ndose, \u00e9sta ha crecido en promedio un 3% desde inicios del a\u00f1o 2000. Para que realmente tu dep\u00f3sito sea rentable, este debe generar una ganancia mayor de la que te hace perder la inflaci\u00f3n (recordemos que la inflaci\u00f3n genera p\u00e9rdida de capacidad de compra o poder adquisitivo). <\/p>\n\n\n\n

Si descontamos la inflaci\u00f3n del rendimiento de tu dep\u00f3sito a plazo, en realidad tu ganancia no es mucha, y si tu plan es hacer crecer tu dinero en el largo plazo para la compra de una casa, un auto o tu jubilaci\u00f3n, puedes optar por alternativas de inversi\u00f3n m\u00e1s rentables<\/a>.<\/p>\n\n\n\n

Por ejemplo, en el 2023 mientras muchas personas tomaban el dep\u00f3sito que pagaba 4.45% en soles, el \u00edndice con las 500 empresas m\u00e1s grandes e importantes de EE. UU (S&P 500<\/strong>) gener\u00f3 una rentabilidad de 26% en d\u00f3lares<\/strong>. 
Si quieres invertir en EE. UU al costo m\u00e1s bajo y en los mejores activos, busca la web de FLIP inversiones<\/strong><\/a> para enterarte un poco de las alternativas que tiene para ti.<\/p>\n","protected":false},"excerpt":{"rendered":"

Luego de alcanzar su pico a comienzos de 2023, la tasa de inter\u00e9s por un dep\u00f3sito a plazo contin\u00faa cayendo. En 2023, los dep\u00f3sitos a plazo llegaron a ofrecer tasas atractivas de hasta 8% en soles a un plazo de un a\u00f1o. Las personas que ten\u00edan ahorros y que no necesitaban en el corto plazo …<\/p>\n

\u00bfQu\u00e9 se viene para la tasa de los dep\u00f3sitos?<\/span> Leer m\u00e1s »<\/a><\/p>\n","protected":false},"author":9,"featured_media":35858,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[117,101,205],"tags":[],"class_list":["post-35852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inversiones-pe","category-pe","category-portada-pe"],"acf":[],"yoast_head":"\n\u00bfQu\u00e9 se viene para la tasa de los dep\u00f3sitos?<\/title>\n<meta name=\"description\" content=\"Luego de alcanzar su pico a comienzos de 2023, la tasa de inter\u00e9s por un dep\u00f3sito a plazo contin\u00faa cayendo. 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En 2023, los dep\u00f3sitos a plazo llegaron a ofrecer tasas atractivas de hasta 8% en soles a un plazo de un a\u00f1o. Las personas que ten\u00edan ahorros y que no necesitaban en el corto plazo…","rttpg_featured_image_url":{"full":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false],"landscape":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false],"portraits":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false],"thumbnail":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation-150x150.webp",150,150,true],"medium":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation-300x225.webp",300,225,true],"large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false],"1536x1536":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false],"2048x2048":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false],"rt_custom":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/01\/82924960_presentation.webp",1024,768,false]},"rttpg_author":{"display_name":"Ramiro Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alprestamo.com\/blog\/categoria\/pe\/inversiones-pe\/\" rel=\"category tag\">Inversiones<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/pe\/\" rel=\"category tag\">PE<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/pe\/portada-pe\/\" rel=\"category tag\">Portada<\/a>","rttpg_excerpt":"Luego de alcanzar su pico a comienzos de 2023, la tasa de inter\u00e9s por un dep\u00f3sito a plazo contin\u00faa cayendo. En 2023, los dep\u00f3sitos a plazo llegaron a ofrecer tasas atractivas de hasta 8% en soles a un plazo de un a\u00f1o. Las personas que ten\u00edan ahorros y que no necesitaban en el corto plazo…","_links":{"self":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/35852"}],"collection":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/comments?post=35852"}],"version-history":[{"count":5,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/35852\/revisions"}],"predecessor-version":[{"id":35862,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/35852\/revisions\/35862"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media\/35858"}],"wp:attachment":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media?parent=35852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/categories?post=35852"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/tags?post=35852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}