With the end of the year, the balances for savers begin with respect to what were the winning and losing investments for all of 2022marked by inflation that was close to 100% and some instruments that came as a complete surprise.
for that, iProfessional analyzed what was the income that was obtained with the different dollar formats to which the Argentine appeals, such as the solidarity dollar (official), the cash with liquidation, the Stock Market (Mep) and the blue or informal. In addition, fixed terms in traditional pesos and UVA were taken into account..
The behavior of other investments considered by Argentines was also observed, such as the purchase of Bitcoin, gold and the average evolution of the cost of the square meter of an apartment of two environments measured in weights.
Regarding these investment alternatives considered by iProfessional, It was calculated how much was earned by allocating an initial amount of $100,000 on the first business day of the year and how it fared throughout 2022. At the same time, how much did this increase represent in percentage in the 12 months and how were all these instruments positioned comparatively?
The data that had an impact in recent weeks was the escalation in December Dolar blue, which from the $313 with which the month began reached up to $357 a few days ago. On the other hand, in the official segment, those who can buy the quota of US$200 per month in banks and exchange houses must pay out US$60,800, since the price of the retail ticket plus taxes is US$302.4 per unit.
As an aspect to take into account, it was taken traditional fixed term in pesos, whose minimum reserve period is 30 days. Also to UVA placements, where the base period to make this deposit is 90 days and adjusts for inflation.
The saver who put $100,000 at the beginning of 2022 ended up earning more with the Merval, since he obtained almost $234,000 in total at the end of the year.
Winning and losing investments of 2022
When determining the The most winning investment of the year, without a doubt, was headed by the main index of leading shares in Buenos Aires, the Merval, which advanced more than 135% in all of 2022, thanks to the excellent performance it had in the second semester. It can even be affirmed that it was the only option that exceeded accumulated inflation in the same period, estimated at around 96%. In fact, throughout December, the Merval added an increase close to 19%.
In concrete figures, the investor who allocated $100,000 at the beginning of last January in the main index of shares of Argentine companies, increased its capital to almost $234,000 in all of 2022.
Meanwhile, the saver who renewed every 90 days a precancellable UVA fixed termor chose a one-year version with a non-precancellable term, obtained close to $192,000 in the 12 months.
“Two types of investments stood out in 2022: the stock market and the fixed terms nominated in UVAs. It can be noted that they stood out above the other alternatives available to a small investor”details iProfessional andres mendezdirector of AMF Economy.
And he adds: “The other options are in the range of $160,000 to $170,000discounting the lousy performance of Bitcoin, which did not even nominally manage to maintain the capital invested at the beginning of the year and which closed the year with a loss equivalent to more than 40% of the funds applied”.
Ultimately, with a annual inflation that “end to end” was in the order of 96% in all of 2022“almost all investments lost purchasing power in terms of goods and services,” reflects Méndez to iProfessional.
The Merval was the only investment that exceeded inflation in all of 2022, followed closely by the UVA fixed term.
How the other investments fared in 2022
On the side of the savers who bet on buying dollars, the most favored was the one who appealed so much to banks and exchange houses with the “solidarity dollar“, which today trades around $303, as well as those who attended the informal market, since the blue advanced in all of 2022 around 70%.
In both cases, the saver who bought these currencies for $100,000 at the beginning of the year, today would have an equivalent of $170,000.
The traditional fixed term It is within that same range of earnings, because the saver who placed $100,000 at the beginning of 2022, after renewing his placement every 30 days, obtained a total of $170,700 for the year. It should be remembered that the current nominal annual rate (TNA) of 75% has been in force since mid-September last and is the highest of the year.
On the side of the savers who invested in goldthe profits were just below this level, since the one who allocated the initial money considered, earned around 60%.
A particular case is that of properties, since the price per square meter fell 7% in dollars in all of 2022, but if it is measured in pesos, the increase ended up being 56.4%, according to data provided German Gomez Picassodirector of Real Estate Report, to iProfessional.
It is that the average value fell from US$1,634 m2 at the beginning of 2022 to the current US$1,519 m2. Despite this, if one takes that the price of the free dollar rose from $208 to $350 throughout the year, when converted into pesos, that A saver who invested $100,000 in square meters last January, today has an equivalent of $156,000.
The worst investment of the year was the Bitcoinwhich in dollars lost almost 64%, while in pesos it fell 43.5%. So that individual who put $100,000 at the beginning of 2022, ended the year with just a total capital of $56,500.
“Consequently, both those investor profiles with a greater preference for risk, such as stock market assets, and the most conservative ones (UVA fixed term), outperformed those who chose classic assets for Argentines such as the traditional fixed term, the dollar American and gold”, summarizes Méndez to iProfesional.-
