During a virtual forum, Sura Investments experts recommended directing bonuses and aguinaldos to investments to boost savings and wealth. Companies are accelerating savings incentives to retain young talent in a competitive market. The balance between spending and saving was emphasized during the holiday season.
At the third EF Meet Point Virtual forum 'Solutions that transform savings and investment for employees', Joaquín Barrera, director of fixed income and investments at Sura Investments, emphasized directing monthly income and extraordinary flows like aguinaldos, bonuses, or vacation premiums to investment instruments. 'The ideal is that every month we can allocate some percentage of our income to save and invest', Barrera stated. He added that in months with higher income, saving and investing more than the usual percentage is 'extraordinary'.
Barrera detailed yields: 28-day CETES near 6.5% annual, medium-term products between 8 and 9%, and long horizons up to 15-16% or more. Investing aguinaldos allows 'historical profitability to accumulate' and capital to grow on a larger base.
Ismael Díaz, director of corporate solutions, warned about the aguinaldo season coinciding with higher holiday spending. 'This is a key period, because two factors combine: those aguinaldo payments, some performance bonuses, but also the Christmas dates, and there is that attraction to spend', he said. He recommended balance: 'It's also not about not spending, but having a balance, so people can have both, satisfy both needs'.
At the same forum, Barrera highlighted that companies are accelerating savings incentives to retain talent, driven by employees' financial awareness and digitalization. 'Employees seek economic packages that are not only tied to remuneration, but also support better growth and development of their wealth', he noted. Digital platforms allow real-time balance viewing, motivating young workers especially.
Díaz stressed integral models with transparency: 'We give visibility to employees on the evolution of their savings and the wealth they are building'. Young people demand flexible products, turning savings plans into central elements of labor compensation.