💵 EDUCACIÓN FINANCIERA CON MAXI LEGUIZAMO: QUÉ TENER EN CUENTA A LA HORA DE INVERTIR

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En una entrevista reciente, Maximiliano Leguizamo, fundador de la academia online Taller de Inversión, discute el potencial y las oportunidades que ofrece el mercado financiero argentino. Con 15.000 estudiantes activos, su academia se centra en enseñar a la gente cómo manejar sus finanzas e inversiones. Leguizamo destaca que invertir en la bolsa argentina puede ser una opción viable para todos, incluso para aquellos con pequeños ahorros. También ofrece consejos sobre cómo manejar los ahorros y evitar pérdidas debido a la inflación.

Transcript

00:00Something. What we all have for sure is potentiality.

00:04And, of course, desire, ideas, especially in this Argentina,

00:08which some say is taking a turn, a change, and where there will be more possibilities.

00:12I'm going to introduce you to Maximiliano Leguizamo.

00:15How are you, Maxim? Welcome.

00:16Hello, Guillermo. A pleasure.

00:17Well, you are the founder of the Investment Workshop.

00:19What is the Investment Workshop?

00:20Exactly. It is an online investment academy,

00:23where people join to learn about finance and investments.

00:26Clearly, this does not exist in schools, in universities, anywhere.

00:30Something as important as knowing what to do with our savings, our money,

00:33in a world where everything works with money.

00:35So, this is for everyone.

00:38Today we are the largest academy in Argentina, with 15,000 students.

00:4115,000 students.

00:42Active, yes.

00:43I'm going to get to the point.

00:44What investment has the most potential performance today?

00:48Today, mainly in the Argentine Stock Exchange,

00:51I want to clarify that this is for everyone, literally.

00:53You can start with a thousand pesos invested in the stock exchange.

00:55Argentine stocks and Argentine public securities.

00:58Argentine assets are in fashion, Guillermo.

01:01A boom. Stocks have gone up in the last 12 months.

01:05140% in dollars.

01:07Yes, impressive.

01:08Impressive. Bonos too.

01:10From now on, as you said, which ones have potential?

01:13Bonos have already gone up a lot and are reaching a ceiling.

01:16But the shares, no, the shares still have a lot left.

01:19So, are they going to keep going up?

01:21Yes, yes, imagine.

01:22They still have a lot of potential.

01:24Mainly the companies in the energy sector and those in the banking sector.

01:30For example, YPF and Galicia, to give an example.

01:33Yes, yes, yes.

01:34Now, the dollar is going down.

01:36Yes.

01:37And many people have always thought their economy, those who can save,

01:41has always been historically in dollars.

01:44Is it time to buy green?

01:45No, not at all.

01:46No?

01:47No, no, no. I've been saying it for many months.

01:49It's not time to buy.

01:50Even if you could go out, go out.

01:52Today there is an offer of dollars.

01:54Imagine, even now, after a successful whitewash with 22 billion dollars.

01:58The repo is coming in, which is money from outside.

02:02We are about to make an agreement with the IMF.

02:04With Trump's arrival, a positive view is also beginning to be noticed,

02:09for more dollars to come in.

02:10And now the payment is coming in advance of the earnings,

02:13which makes people go out to sell more dollars.

02:15The dollar-MEP is already at 1,070 yesterday.

02:17So, clearly, it's not time to buy dollars.

02:20You can invest your money in these public securities that I told you about,

02:25or shares that give you returns in dollars.

02:27Today, for example, a public securities is making 11-12% annual returns in dollars.

02:33Which is a pretty interesting number.

02:35What securities? Because there is also specific information, right?

02:38Yes.

02:39This is good to explain to people, because they don't know.

02:42When they put a number on a public securities, it's the year of expiration.

02:46Good.

02:47Well, explain that.

02:48It's the year that capital wins and they have to pay all the money you put in.

02:52There are 6-7 public securities bonds, which are bonds created by the previous governments.

02:59Yes, this or the previous ones.

03:00Yes, and the AL35.

03:02AL35.

03:04Yes, AL35 and AE38.

03:07There are more, but those two are the ones that have the most potential to go up.

03:10And nothing, it's coming up.

03:12Because there is a long way to go.

03:13There are also short-term ones.

03:15Yes, but those have already gone up a lot.

03:17But why?

03:18Because these bonds are paying you interest periodically.

03:22And a year ago, in another government, the government didn't pay because we were in default.

03:28And this government wants to pay.

03:29Those prices were very low before.

03:31People didn't buy it because they didn't pay.

03:34As this government shows signs that it wants to pay, those bonds, those prices have revalued.

03:39And they still have the potential to go up.

03:41Of course, there is a margin.

03:42So, AL35 and AE38.

03:44I see the other situation a lot.

03:46People who have dollars, not large amounts, because they have saved 10,000 or 15,000 dollars.

03:51And they don't know what to do.

03:52Yes.

03:53And they say, if I put up with it, when I sell it, it's worth less.

03:56Yes.

03:57The dollar this year has lost against inflation.

03:59The blue dollar.

04:00So, it's not convenient.

04:01Now, for example, is it convenient for you to buy a car?

04:03Is it convenient for you to start paying for an apartment?

04:07In those investments, being completely honest, I don't know what a car is.

04:12No, no.

04:13But, without a doubt, before having the dollars saved in your house,

04:16which are losing 3% due to the inflation of the United States, annually,

04:21it is preferable to be generating a little performance in the stock market.

04:24Let's see, Maxi, I'll put it a little more down to earth.

04:26Because there are people who are fighting it every day, right?

04:29For those who don't arrive at the end of the month, who have to adjust their finances, what advice can you give them?

04:33Look, I love that question.

04:35I have, as I was saying, 15,000 students.

04:37And I always see it.

04:39But, well, right there, a guy behind the camera told me that he was doing the course with his wife,

04:42that they are doing very well, thank God.

04:44This is for the person.

04:45Here, who works with us?

04:46Yes.

04:47Who?

04:48Seba, Seba.

04:50Yesterday, an event ended.

04:52Two waiters.

04:54I was just paying the toll.

04:55I said, damn, I don't have your course.

04:56This is for people who say, hey, I have 1,000, 10,000 students.

05:00Yes, yes, yes.

05:01Well, there are small changes that make great results.

05:05For example, I always say the ant expenses.

05:08A person who says, I don't arrive at the end of the month, or I can't invest because I don't have savings.

05:13And you see it.

05:14You see their economy.

05:15Ant expenses are those small expenses that we don't realize, but they adjust our economy.

05:19Yes.

05:20For example, I leave here and I take an Uber to my house.

05:23Or I come to the lab.

05:25Or I have a coffee at the door that costs me 3,000 pesos.

05:28Yes.

05:29Or I drink Coca-Cola because ...

05:30So, those small expenses, I did a study.

05:33A person, I am convinced that between 30,000 and above can be saved.

05:38A person who smokes a pack of cigarettes a day is a million pesos in a year.

05:43Wow.

05:44It's a vacation.

05:45A thousand dollars.

05:46A thousand dollars.

05:47I mean, people who ...

05:48I have students who ...

05:49And you also do very bad to your health.

05:51Also, obvious.

05:52But I say, and take it to a Coca-Cola a day.

05:54Yes, yes, yes.

05:55Those small expenses can represent a big change in your economy.

06:00Yes.

06:01Choripan before.

06:02The other day, when I left the court, he bought me a choripan for 6 lucas.

06:06No.

06:076 dollars.

06:08Look.

06:096 dollars.

06:10He said, how am I going to charge 6 lucas?

06:11But look, I was hungry.

06:12And two blocks later, it was 4.

06:13And yes.

06:14I have students, for example, who tell me to take it well to the field.

06:18Yes.

06:19Florroque de Córdoba, who did not have plans in his life before, pays for a barbecue.

06:23That very basic point.

06:24Yes, yes, yes.

06:25A barbecue is paid for the family.

06:26Yes.

06:27Or he goes to the supermarket and can do a little more shopping.

06:30And Maxi, the one who wants to make an upgrade, who says, well, I'm going to get into the stock market.

06:34But I don't know anything about the stock market.

06:36How do you start?

06:37Well, on December 2, now in 10 days, we start a free training.

06:42Yes.

06:43From 2 to 6 December.

06:44Free, they loved it, right?

06:45Yes.

06:46Here they want to write everything down.

06:47Yes.

06:48It is a gateway to see.

06:50It's 5 days free.

06:51We do it 3 times a year.

06:52Where?

06:53In what place?

06:54It's online.

06:55You get into the investment workshop.

06:56I think I'm going to get in too.

06:57Let's see how it is.

06:58Tell him.

06:59We have everything.

07:00There you have it.

07:01There are cubes.

07:02No, it's open.

07:03Online, what time?

07:04It's at 8 p.m.

07:05Argentina, it's 5 days from Monday to Friday.

07:06And this is for everyone, it's for everyone.

07:07If it was 11 o'clock, we did it live from here.

07:08Of course.

07:09Who is going to learn on the other side a course where Maguita can win?

07:10Of course.

07:11Similiano, how long?

07:12From Monday to Friday, it starts at 8 at night until what time?

07:13An hour and a half, approximately.

07:14Until 8 p.m.

07:15I always tell him, it's financial education to dedicate an hour and a half.

07:16During the week, people learn.

07:17And it's free.

07:18And it's free.

07:19And it's free.

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