In this second part, members will be able to withdraw 10% of their savings from the AFPs, with a minimum of 35 UF (approximately $1,017,500) and a maximum of 150 UF (around $4,360,600).
Although a large part of those who withdraw will use their resources to pay debts or other related issues, some people are looking for alternatives to make the resources profitable over time, looking for ways to generate dividends with the extracted resources.
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This is why there are some options to move this money immediately and not spend it on things that do not pay dividends in the future. Here are five viable alternatives.
Real Estate Investment
This option has become a real and effective alternative for those who want to have financial support for the future. In fact, one of the options with the best profitability is the acquisition of real estate near various beaches in the country, which responds to different alternatives, ranging from buying a property to rent on a monthly basis, or taking advantage of applications to publish it in daily rentals. . On the other hand, the rates of return are high, increasing the value of the property over time.
«Today we have good mortgage rates from banks, and various project alternatives and special promotions, where you can lower the initial investment of the foot with the money received, providing options to pay the rest in comfortable installments depending on the situation of each client» ensures Ignatius GantesMarketing Manager of the Real Estate agency mialborada.cl
VCT
Already with your money, a good alternative is voluntary pension savings, known as APV. This is offered by the AFPs, but also by general fund administrators (mutual funds), insurance companies, among others. The advantage is the tax benefit, since the State encourages people to save for retirement, giving a percentage once they retire.
account 2
If the objective is to maintain savings, an alternative could be the use of AFP account 2, which allows for voluntary savings, taking advantage of the returns generated by the AFP in an account other than the mandatory one (in funds A, B, C, D and E). In fact, in account 2 you can withdraw money during the year, that is, have immediate liquidity if necessary.
term deposit
For those people who are not looking for risk, there is a time deposit. This instrument is aimed at generating interest in a given period of time. The financial institution agrees to pay the interest and readjustments as appropriate on a given date, but only up to the agreed date.
energy saving
Solar energy can dramatically lower your home’s electricity bill. It is that today you can invest in buying solar panels or solar electric generators, which from the moment you start using it, the energy you get is energy that you will never pay for again.
«There are a large number of models of solar electric generators, varying in watts, ranging from 1,500 to 9,600w, which depend on the needs of the client in their home or business,» he says. jordan butlerCEO of Cleanlight, creator company of Solbox Generators of sustainable energy in our country.