{"id":45909,"date":"2025-11-27T13:51:37","date_gmt":"2025-11-27T16:51:37","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=45909"},"modified":"2025-11-27T13:51:40","modified_gmt":"2025-11-27T16:51:40","slug":"chau-plazo-fijo-conoce-las-billeteras-virtuales-que-mas-rinden","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/chau-plazo-fijo-conoce-las-billeteras-virtuales-que-mas-rinden\/","title":{"rendered":"\u00bfChau Plazo Fijo? Conoc\u00e9 las billeteras virtuales que m\u00e1s rinden"},"content":{"rendered":"\n<p>Con las recientes<a href=\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\" target=\"_blank\" rel=\"noreferrer noopener\"> <strong>bajas en las tasas de inter\u00e9s<\/strong><\/a><strong> dispuestas por el<\/strong> <strong>Banco Central (BCRA)<\/strong>, el tradicional Plazo Fijo ha perdido parte de su atractivo frente a los rendimientos (y ventajas) que ofrecen las billeteras virtuales.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Billeteras virtuales vs bancos<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Mientras que los bancos tradicionales est\u00e1n ofreciendo una <strong>Tasa Nominal Anual (TNA)<\/strong> promedio que ronda el<strong> 30% al 35% <\/strong>para dep\u00f3sitos a 30 d\u00edas, algunas fintech han salido agresivamente a captar usuarios con tasas superiores.<\/p>\n\n\n\n<p>Seg\u00fan el \u00faltimo relevamiento de mercado, plataformas como <strong>Ual\u00e1 <\/strong>(y en ocasiones <strong>Naranja X o Personal Pay <\/strong>dependiendo del nivel de usuario) han lanzado incentivos que llevan sus rendimientos por encima del 40% TNA para saldos espec\u00edficos.<\/p>\n\n\n\n<p>\u00bfLa gran diferencia? En un Plazo Fijo, tu capital queda &#8220;congelado&#8221; por un mes. En una billetera virtual, este genera intereses diarios y pod\u00e9s usar el dinero para pagar en cualquier momento, con tarjeta o sin contacto. .<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cu\u00e1nto rinde una billetera virtual con $500.000<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Vamos a suponer que alguien tiene disponible $500.000 pesos y quiere ponerlos a trabajar sin perder liquidez.<\/p>\n\n\n\n<p>Tomando como referencia una TNA del 45% (tasa promocional vigente en ciertas billeteras l\u00edderes para este tope de monto), las ganancias ser\u00edan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rendimiento mensual (30 d\u00edas): 3,7% aproximadamente.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Por d\u00eda: aproximadamente $616 pesos.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Al mes (30 d\u00edas): $18.493 pesos.<\/li>\n<\/ul>\n\n\n\n<p>En el caso de poner esa misma cantidad en un Plazo Fijo tradicional al 33%, tu ganancia mensual ser\u00eda de unos $13.500. Es decir, la billetera no solo te da libertad, sino que te deja casi $5.000 pesos extra en el bolsillo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e9 saber antes de invertir<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Para aprovechar estas tasas al m\u00e1ximo, ten\u00e9 en cuenta estos puntos clave:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Topes de reintegro: Muchas de estas tasas (como el 45%) tienen un l\u00edmite. Generalmente aplican sobre los primeros $500.000 o $600.000 depositados. El excedente suele rendir a una tasa menor.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Volatilidad: a diferencia del Plazo Fijo, que te &#8220;cierra&#8221; la tasa por 30 d\u00edas, el rendimiento de las cuentas remuneradas (<strong>FCI Money Market<\/strong>) puede variar d\u00eda a d\u00eda.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inter\u00e9s compuesto: al recibir los rendimientos diariamente, si no gast\u00e1s ese dinero, al d\u00eda siguiente gener\u00e1s intereses sobre un monto mayor.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Con las recientes bajas en las tasas de inter\u00e9s dispuestas por el Banco Central (BCRA), el tradicional Plazo Fijo ha perdido parte de su atractivo frente a los rendimientos (y ventajas) que ofrecen las billeteras virtuales.\u00a0 Billeteras virtuales vs bancos Mientras que los bancos tradicionales est\u00e1n ofreciendo una Tasa Nominal Anual (TNA) promedio que ronda &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/chau-plazo-fijo-conoce-las-billeteras-virtuales-que-mas-rinden\/\"> <span class=\"screen-reader-text\">\u00bfChau Plazo Fijo? Conoc\u00e9 las billeteras virtuales que m\u00e1s rinden<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":35600,"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":[92,20],"tags":[],"class_list":["post-45909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ar","category-economia-finanzas-ar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfChau Plazo Fijo? 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