How to invest your June 2025 bonus to make it go further

The mid-year Supplementary Annual Salary (SAC) ("aguinaldo") must be collected before June 30 and is equivalent to 50% of the highest salary of the first semester .

Instead of spending it on immediate expenses, more and more people are choosing to protect or stretch that money . From financial investments to education or debt relief, a Christmas bonus can be the first step toward a more stable second half of the year.

Based on statistics from economic analyst Damián Di Pace , which show widespread use of the Christmas bonus for everyday expenses and savings in dollars, we've compiled a list of five concrete actions to get the most out of the June SAC:

If you want to hedge against possible price increases, you can buy CER bonds (which adjust for inflation) or Dólar Link bonds (which follow the official exchange rate). You can also invest in mutual funds that diversify between the two. These options are recommended for those seeking yield without taking on too much risk.

CER-adjusted bonds discount 3% inflation in May

CER-adjusted bonds discount 3% inflation in May

If you want to dollarize without resorting to the informal market, the MEP is a safe and unlimited option, accessible through any Argentine broker. You can buy bonds in pesos and sell them in dollars to keep them in your account. This is useful if your goal is to preserve value over the medium term.

Apps like Mercado Pago, Naranja X, or Ualá offer returns on your available balance. It's ideal if you need quick cash to pay for services or minor purchases, without leaving your money sitting idle.

Short courses, workshops, or training in technology, trades, or languages ​​can increase your employability and generate higher income in the future. It's one of the most profitable decisions if you're thinking long-term.

If you have outstanding balances on credit cards or personal loans, use your Christmas bonus to reduce or pay them off.

The key step, once you've chosen your destination, is to strategically allocate your bonus based on your financial circumstances. Not every decision works for everyone, so it's helpful to identify your current situation:

1. If you're short on cash each month, the first step is to pay off debts , cover upcoming payments, and secure basic services. In this case, use paid digital wallets so your money doesn't lose value while you wait.

2. If you already have a small amount of savings, you can diversify among higher-yielding instruments: a conservative mutual fund, partly in dollar MEP and partly in UVA fixed-term deposits (adjusted for inflation).

3. If you have job stability and predictability, it's time to invest in the medium term : CER-linked bonds, select stocks, or balanced funds with a six- to twelve-month horizon.

4. If you're thinking long-term, invest in yourself : training, professional development, or even entrepreneurial tools. It doesn't generate immediate returns, but it can turn into future income.