{"id":23360,"date":"2026-08-23T17:01:43","date_gmt":"2026-08-23T20:01:43","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=23360"},"modified":"2026-08-23T17:01:43","modified_gmt":"2026-08-23T20:01:43","slug":"cual-es-el-instrumento-de-ahorro-en-pesos-mas-efectivo-para-protegerse-contra-la-inflacion-y-por-que-crece-su-uso-en-2026","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=23360","title":{"rendered":"Cu\u00e1l es el instrumento de ahorro en pesos m\u00e1s efectivo para protegerse contra la inflaci\u00f3n y por qu\u00e9 crece su uso en 2026"},"content":{"rendered":"<div class=\"visual__image image-initial-width\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=992&amp;height=554&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=768&amp;height=429&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=577&amp;height=322&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=420&amp;height=234&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=350&amp;height=195&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Primer plano de dos manos en un mostrador de madera, intercambiando un fajo de billetes de Pesos Argentinos a trav\u00e9s de una bandeja met\u00e1lica de ventanilla.\" class=\"global-image\" decoding=\"async\" fetchpriority=\"high\" height=\"1536\" loading=\"eager\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=350&amp;height=195&amp;quality=85\" width=\"2752\"><\/picture><\/div>\n<div class=\"sharebar-container display_flex sharebar-new\" style=\"opacity:1\">\n<div class=\"share-bar-article-date-container \"><span class=\"sharebar-article-date\">23 Ago, 2026 03:16 p. m. EST<\/span><\/div>\n<div class=\"sharebar-buttons-container display_flex\">\n<div aria-label=\"Guardar\" class=\"sharebar-buttons button-save\" role=\"button\" tabindex=\"0\"><svg width=\"9\" height=\"12\" viewbox=\"0 0 8 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"saved-icon saved\"><path d=\"M6.64286 0.5V9.31687L4.1116 7.16407L4.11106 7.16361C3.79894 6.89891 3.34392 6.89891 3.03179 7.16361L3.03126 7.16407L0.5 9.31687V0.5H6.64286Z\"><\/path><\/svg><span class=\"buttons-save-text\">Guardar<\/span><\/div>\n<div class=\"sharebar-buttons-separator\"><\/div>\n<p><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Telegram\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M24.9696 12.5511L10.3405 18.0494C10.0623 18.151 9.92701 18.4484 10.0398 18.7168C10.0999 18.8619 10.2277 18.9779 10.3856 19.0214L14.1068 20.0805L15.4975 24.3312C15.6028 24.6576 15.9636 24.839 16.2944 24.7374C16.3921 24.7084 16.4823 24.6504 16.5575 24.5778L18.482 22.6846L22.2558 25.354C22.6091 25.6006 23.0977 25.5281 23.3533 25.1872C23.421 25.1001 23.4661 24.9986 23.4887 24.897L25.9845 13.3707C26.0672 12.979 25.8116 12.5946 25.4056 12.5148C25.2628 12.4858 25.1124 12.5003 24.9771 12.5511M23.1429 15.1116L16.347 20.9147C16.2793 20.9727 16.2342 21.0525 16.2267 21.1395L15.9636 23.381C15.9636 23.4172 15.926 23.4462 15.8884 23.439C15.8583 23.439 15.8358 23.4172 15.8283 23.3955L14.7533 20.0442C14.7007 19.8919 14.7683 19.7251 14.9111 19.638L22.9399 14.836C23.0226 14.7852 23.1353 14.8142 23.1804 14.894C23.2255 14.9666 23.2105 15.0536 23.1504 15.1116\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Linkedin\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M16.5556 27V16.2231H19.963V17.6949C20.0185 17.6368 20.0648 17.5787 20.1111 17.5206C20.8611 16.349 22.2037 15.739 23.537 15.981C25.3889 16.1359 26.8426 17.7046 26.9259 19.6411C26.9722 20.0478 27 20.4641 27 20.8708C27 22.817 27 24.7633 27 26.7095V26.9806H23.5741V26.6805C23.5741 24.8892 23.5741 23.0882 23.5741 21.2969C23.5741 20.8805 23.5278 20.4545 23.4259 20.0478C23.1945 19.1279 22.2963 18.5663 21.4074 18.8084C21.2037 18.8665 21 18.9633 20.8333 19.0989C20.3333 19.4281 20.0185 19.9897 19.9907 20.6094C19.9722 21.1419 19.9722 21.6842 19.9722 22.2167V26.9903H16.5648L16.5556 27ZM11.2222 27V16.2037H11.7407C12.6204 16.2037 13.5 16.2037 14.3796 16.2037C14.5833 16.2037 14.6482 16.2328 14.6482 16.4748V26.9903H11.2222V27ZM11.0093 12.8825C11.0093 11.8465 11.8055 11.0041 12.787 11.0041C12.8426 11.0041 12.8982 11.0041 12.9537 11.0041C13.9445 10.9363 14.7963 11.7206 14.8611 12.7567C14.8611 12.7954 14.8611 12.8438 14.8611 12.8825C14.8426 13.9283 14.0278 14.761 13.0278 14.7416C12.9907 14.7416 12.9537 14.7416 12.9259 14.7416H12.9074C11.9259 14.8191 11.0741 14.0445 11 13.0181C11 12.9697 11 12.931 11 12.8825H11.0093Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Twitter\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M11.0391 11L17.2165 19.8249L11 27H12.399L17.8415 20.7182L22.2389 27H27L20.475 17.6786L26.2613 11H24.8623L19.85 16.7855L15.8001 11H11.0391ZM13.0965 12.101H15.2838L24.9423 25.8987H22.7551L13.0965 12.101Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Facebook\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M17.3544 26.9921V18.9235H15V16.3346H17.3544V16.0805C17.3544 15.3816 17.3291 14.6748 17.3882 13.976C17.3882 12.8642 18.0633 11.8556 19.1266 11.3712C19.5232 11.1965 19.9452 11.0853 20.3755 11.0376C21.2532 10.9741 22.1308 10.99 23 11.0932V13.4201H22.7722C22.2743 13.4201 21.7848 13.4201 21.2869 13.436C20.73 13.4042 20.2489 13.8013 20.2152 14.3254C20.2152 14.373 20.2152 14.4128 20.2152 14.4604C20.1983 15.0481 20.2152 15.6357 20.2152 16.2234C20.2152 16.2552 20.2152 16.2949 20.2321 16.3267H22.9409C22.8228 17.2082 22.7046 18.0579 22.5865 18.9315H20.2236V27H17.3629L17.3544 26.9921Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Whatsapp\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M21.2863 19.9439C21.0997 19.8551 20.9664 19.9262 20.8419 20.0861C20.6731 20.3261 20.4687 20.5483 20.2909 20.7794C20.1665 20.9393 20.0243 20.9749 19.8376 20.8949C18.6645 20.4239 17.7757 19.6506 17.1269 18.5841C17.0292 18.4242 17.038 18.2997 17.1536 18.1575C17.3225 17.9531 17.4824 17.7576 17.6157 17.5354C17.678 17.4287 17.7135 17.2599 17.678 17.1532C17.4735 16.6111 17.2425 16.0867 17.0114 15.5535C16.9669 15.4557 16.8781 15.3313 16.7892 15.3224C16.4248 15.2602 16.0426 15.1891 15.7316 15.4912C15.1094 16.0778 14.8784 16.7977 15.0383 17.6243C15.1805 18.3619 15.5983 18.9663 16.0426 19.5618C16.887 20.6638 17.8646 21.6237 19.1622 22.1925C19.7932 22.4769 20.4331 22.7613 21.1441 22.7613C21.2685 22.7613 21.393 22.7613 21.5085 22.7346C22.4506 22.5391 23.1172 22.0058 23.0816 21.0193C23.0816 20.9216 23.0194 20.7794 22.9483 20.7438C22.3973 20.4594 21.8462 20.2017 21.2863 19.9439Z\" fill=\"#555555\"><\/path><path d=\"M26.9482 17.8724C26.3972 13.4642 22.1401 10.3447 17.7229 11.1179C12.6481 11.9977 9.71521 17.2859 11.6883 21.9963C12.1948 22.6629 12.0615 23.3472 11.8216 24.0849C11.5105 25.027 11.2794 26.0046 11.0039 27C11.1194 26.9733 11.1994 26.9644 11.2794 26.9378C12.5059 26.6178 13.7324 26.3068 14.9411 25.9868C15.1544 25.9335 15.3144 25.9602 15.5099 26.0579C17.1719 26.8667 18.9227 27.0978 20.718 26.7067C24.833 25.7913 27.4548 22.0496 26.9305 17.8902L26.9482 17.8724ZM20.0515 25.4624C18.4784 25.7113 17.003 25.3913 15.6166 24.6003C15.5099 24.5381 15.3411 24.5115 15.2077 24.547C14.4612 24.7248 13.7146 24.9292 12.9147 25.1336C13.1192 24.3693 13.3058 23.6672 13.5102 22.9473C13.5635 22.7606 13.5369 22.6273 13.4391 22.4673C11.0039 18.5479 13.1014 13.5442 17.6163 12.5043C21.2868 11.6511 25.0285 14.1841 25.5884 17.908C26.1395 21.5519 23.6954 24.8936 20.0515 25.4624Z\" fill=\"#555555\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"1\">Durante el \u00faltimo a\u00f1o, los <b>plazos fijos UVA <\/b>experimentaron un crecimiento notable. Este instrumento, que <b>protege el valor del ahorro ante la <\/b><a rel=\"noopener noreferrer\" href=\"https:\/\/www.infobae.com\/economia\/2026\/08\/14\/la-inflacion-se-acelero-en-julio-cuales-fueron-los-factores-que-impulsaron-el-ipc-y-lo-llevaron-por-encima-del-2\/\" target=\"_blank\" title=\"https:\/\/www.infobae.com\/economia\/2026\/08\/14\/la-inflacion-se-acelero-en-julio-cuales-fueron-los-factores-que-impulsaron-el-ipc-y-lo-llevaron-por-encima-del-2\/\"><b>inflaci\u00f3n<\/b><\/a>, recuper\u00f3 relevancia entre quienes buscan obtener rendimientos reales positivos. <\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\">La recuperaci\u00f3n de esta alternativa se vincula tanto a nuevas medidas impulsadas por la banca p\u00fablica como a cambios en las decisiones de inversi\u00f3n de los ahorristas y la<b> aceleraci\u00f3n de los precios que domin\u00f3 al primer trimestre de 2026<\/b>.<\/p>\n<div class=\"inline ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline\" data-ad-slot=\"infobae\/economia\/nota\/inline\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline\" class=\"infobae\/economia\/nota\/inline arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"3\">El <b>saldo de plazos fijos UVA\/CER lleg\u00f3 a $1,695 billones<\/b> al pasado 18 de agosto, seg\u00fan datos del \u00faltimo Informe Monetario Diario difundido por el Banco Central de la Rep\u00fablica Argentina (BCRA). Si bien en los \u00faltimos 30 d\u00edas, esta opci\u00f3n cay\u00f3 m\u00e1s de 4%, <b>a lo largo de 2026 evidencia un salto de 496,5 por ciento<\/b>. <\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"4\">Al mismo tiempo, si se compara con el a\u00f1o anterior, el stock de este instrumento creci\u00f3 un 301,7%, consolidando su presencia en el sistema financiero y ubic\u00e1ndose entre las opciones preferidas para resguardar el ahorro frente al aumento de los precios.<\/p>\n<div class=\"inline_2 ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline_2\" data-ad-slot=\"infobae\/economia\/nota\/inline_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline_2\" class=\"infobae\/economia\/nota\/inline_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline_2\"><\/div>\n<\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/3CLWBRBAK5D6LOOQO6GPW3JDY4.JPG?auth=363929b4ae9c0fe8bc0b375962d36f752e1250dfa22c38bfef4f1f5076a71cc4&amp;smart=true&amp;width=992&amp;height=661&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/3CLWBRBAK5D6LOOQO6GPW3JDY4.JPG?auth=363929b4ae9c0fe8bc0b375962d36f752e1250dfa22c38bfef4f1f5076a71cc4&amp;smart=true&amp;width=768&amp;height=512&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/3CLWBRBAK5D6LOOQO6GPW3JDY4.JPG?auth=363929b4ae9c0fe8bc0b375962d36f752e1250dfa22c38bfef4f1f5076a71cc4&amp;smart=true&amp;width=577&amp;height=385&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/3CLWBRBAK5D6LOOQO6GPW3JDY4.JPG?auth=363929b4ae9c0fe8bc0b375962d36f752e1250dfa22c38bfef4f1f5076a71cc4&amp;smart=true&amp;width=420&amp;height=280&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/3CLWBRBAK5D6LOOQO6GPW3JDY4.JPG?auth=363929b4ae9c0fe8bc0b375962d36f752e1250dfa22c38bfef4f1f5076a71cc4&amp;smart=true&amp;width=350&amp;height=233&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"El plazo fijo UVA inmoviliza el capital del ahorrista por, al menos, 90 d\u00edas. (Reuters)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"3666\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/3CLWBRBAK5D6LOOQO6GPW3JDY4.JPG?auth=363929b4ae9c0fe8bc0b375962d36f752e1250dfa22c38bfef4f1f5076a71cc4&amp;smart=true&amp;width=350&amp;height=233&amp;quality=85\" width=\"5500\"><\/picture><\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"como-funcionan\">C\u00f3mo funcionan<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"5\">La particularidad de los <b>plazos fijos UVA<\/b> reside en su mecanismo de ajuste: la <b>Unidad de Valor Adquisitivo (UVA)<\/b>, que actualiza su valor diariamente a partir del Coeficiente de Estabilizaci\u00f3n de Referencia (CER), vinculado al<b> \u00cdndice de Precios al Consumidor (IPC) <\/b>del Instituto Nacional de Estad\u00edstica y Censos (Indec). As\u00ed, el capital invertido se adapta autom\u00e1ticamente a la inflaci\u00f3n, sumando una tasa de inter\u00e9s real que permite mantener el poder adquisitivo.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"6\">La demanda de este tipo de dep\u00f3sitos aument\u00f3 en un contexto en el que los inversores buscan protecci\u00f3n ante posibles escenarios de mayor presi\u00f3n inflacionaria. El <b>IPC acumul\u00f3 una suba anual de 19,3% despu\u00e9s del 2,1% registrado en julio<\/b>. Durante buena parte de 2025, las tasas fijas resultaron atractivas en per\u00edodos de menor inflaci\u00f3n, pero el ritmo acelerado de los precios en el inicio de este a\u00f1o redujo el inter\u00e9s por los plazos tradicionales frente a las alternativas ajustadas.<\/p>\n<div class=\"ad_1 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_1\" data-ad-slot=\"infobae\/economia\/nota\/ad_1\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_1\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_1\" class=\"infobae\/economia\/nota\/ad_1 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_1\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"7\">Sin embargo, esta opci\u00f3n solo protege frente a la inflaci\u00f3n medida en pesos y <b>no ofrece cobertura ante una eventual suba en el tipo de cambio<\/b>. Si el d\u00f3lar aumenta repentinamente, el valor de los ahorros en UVA puede perder capacidad de compra respecto a la moneda extranjera, ya que el ajuste se realiza \u00fanicamente en funci\u00f3n de la inflaci\u00f3n local y no considera movimientos del mercado cambiario.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"8\">Adem\u00e1s, <b>el dinero en un plazo fijo UVA debe permanecer inmovilizado durante un periodo m\u00ednimo de 90 d\u00edas<\/b>. Durante ese tiempo, no se puede retirar ni disponer del capital invertido. Al finalizar el plazo elegido, el banco devuelve el monto ajustado por inflaci\u00f3n junto con los intereses pactados. Existen opciones con plazos mayores, que pueden extenderse hasta 1.095 d\u00edas, seg\u00fan la entidad y el producto seleccionado.<\/p>\n<div class=\"ad_2 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_2\" data-ad-slot=\"infobae\/economia\/nota\/ad_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_2\" class=\"infobae\/economia\/nota\/ad_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_2\"><\/div>\n<\/div>\n<div id=\"fusion-static-enter:raw_html_raw_html11\" style=\"display:none\" data-fusion-component=\"raw_html_raw_html11\"><\/div>\n<div class=\"rawHTML raw_html \"><img decoding=\"async\" src=\"https:\/\/cloudfront-us-east-1.images.arcpublishing.com\/infobae\/X6ENL6C3HRCKVDZA3FE2DZ7UIE.jpg\" alt=\"infografia\" class=\"responsive\"><\/p>\n<style>.responsive {\n width: 100%;\n height: auto;\n}<\/style>\n<\/div>\n<div id=\"fusion-static-exit:raw_html_raw_html11\" style=\"display:none\" data-fusion-component=\"raw_html_raw_html11\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"9\">Tambi\u00e9n existen las <b>opciones precancelables<\/b>, que permiten al ahorrista retirar el dinero antes del vencimiento original, pero solo despu\u00e9s de cumplido un per\u00edodo m\u00ednimo de permanencia, que suele ser de 30 d\u00edas. Si el titular decide cancelar de forma anticipada, el banco liquida el capital invertido con una tasa fija inferior a la que se obtiene si se mantiene el plazo hasta el final.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"10\">Cabe recordar que, a comienzos de abril, el Banco Naci\u00f3n realiz\u00f3 cambios en la estructura del producto para captar fondos privados y reducir el problema de iliquidez durante la vigencia del plazo.<\/p>\n<div class=\"ad_3 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_3\" data-ad-slot=\"infobae\/economia\/nota\/ad_3\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_3\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_3\" class=\"infobae\/economia\/nota\/ad_3 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_3\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"11\">El<b> plazo fijo UVA actual del Banco Naci\u00f3n permite cobrar intereses mensualmente<\/b>, con una tasa anual de hasta 4,5 por ciento. A diferencia de la modalidad tradicional, donde el capital ajustado y los intereses se pagan al final del plazo (m\u00ednimo de 180 d\u00edas), el nuevo esquema deposita los intereses cada 30 d\u00edas en la cuenta del cliente, mientras que el capital ajustado se entrega al vencimiento.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"12\">El plazo m\u00ednimo es de 90 d\u00edas y el m\u00e1ximo de 1.095 d\u00edas, con una inversi\u00f3n inicial a partir de 1.500 pesos. Esta modalidad est\u00e1 dirigida a quienes buscan ingresos peri\u00f3dicos y desean resguardar su poder adquisitivo sin perder liquidez.<\/p>\n<div class=\"ad_4 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_4\" data-ad-slot=\"infobae\/economia\/nota\/ad_4\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_4\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_4\" class=\"infobae\/economia\/nota\/ad_4 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_4\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>23 Ago, 2026 03:16 p. m. EST Guardar Durante el \u00faltimo a\u00f1o, los plazos fijos UVA experimentaron un crecimiento notable. Este instrumento, que protege el valor del ahorro ante la inflaci\u00f3n, recuper\u00f3 relevancia entre quienes buscan obtener rendimientos reales positivos. La recuperaci\u00f3n de esta alternativa se vincula tanto a nuevas medidas impulsadas por la banca [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10552,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/23360","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23360"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/23360\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/10552"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}