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    3. Fixed-term deposits remain low: how much to invest to generate $50,000 in 30 days

    Fixed-term deposits remain low: how much to invest to generate $50,000 in 30 days

    By: rootdata|2026/08/08 19:00:00
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    The traditional fixed-term deposit continues to offer lower returns than those recorded months ago, forcing investors to allocate increasingly larger capital to achieve a significant monthly profit. With current interest rates, savers looking to generate around $50,000 in 30 days will need to immobilize several million pesos, although the final amount depends on the chosen financial institution and the channel used to carry out the operation.

    Since the Central Bank stopped setting a minimum rate for fixed-term deposits, each bank has started to freely define the returns it offers to its clients. As a result, the differences between institutions remain significant, and comparing available rates can represent several thousands of pesos in difference after just one month.

    The calculation depends on the interest rate applied by each institution. Taking the current conditions of Banco Nación as a reference, a fixed-term deposit in branch, with a TNA of 15.50%, requires an investment of $4 million to obtain a profit of $50,958 in 30 days.

    On the other hand, those who establish the deposit through the electronic channels of the same bank access a TNA of 19%. With the same invested capital, the profit increases to $62,465, a difference of more than $11,000 compared to the in-person modality.

    This demonstrates that not only does it matter how much money is invested, but also where and how the investment is made. In many financial institutions, the best rates are available only for operations conducted via home banking or mobile applications.

    Interest rates can change at any time, as each institution freely defines the returns it pays for fixed-term deposits. Currently, the main institutions offer the following Annual Nominal Rates (TNA):

    • Banco Provincia: 21%
    • Banco del Sol: 21%
    • Banco Macro: 18.50%
    • BBVA: 18.25%
    • ICBC: 17.70%
    • Galicia: 17.50%
    • Credicoop: 17.50%
    • Banco Ciudad: 17%
    • Santander: 16%
    • Banco Patagonia: 16%

    Unlike other alternatives, fixed-term deposits are not exposed to daily market fluctuations and offer a pre-agreed profitability, which provides predictability for those looking to preserve their savings.

    However, the main disadvantage is that the money remains immobilized until the maturity date. Except for those with early cancellation, the capital cannot be withdrawn before 30 days without losing the agreed conditions. Therefore, before establishing a fixed-term deposit, it is important to ensure that those funds will not be needed during that period.

    Another point to consider is the relationship between the interest rate and inflation. If the general price increase exceeds the return offered by the bank, the saver may obtain a profit but lose purchasing power. Many investors closely monitor the evolution of rates and compare fixed-term deposits with other savings options available.

    It is also advisable to pay attention to the channel through which the operation is carried out. Many institutions offer a higher rate for fixed-term deposits established through home banking or electronic means compared to those made in a branch. That difference can represent a considerably higher return without the need to increase the invested capital.

    -- Price

    --

    This content is provided for general informational purposes only and doesn't constitute financial, investment, legal, or tax advice. Any events, rewards, online promotions, or related information mentioned herein should not be considered a recommendation, solicitation, or invitation to purchase, sell, trade, or otherwise deal in any crypto assets. Crypto assets are highly volatile and may result in loss. The availability of WEEX services, products, and related events may vary by region. You are responsible for ensuring that your participation is in accordance with applicable local laws and regulations.

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