--- title: 'Where to Invest a Million Pesos in Argentina in 2026' source: 'https://youtube.com/watch?v=Qv0nnjYptnM' video_id: 'Qv0nnjYptnM' date: 2026-08-07 duration_sec: 668 --- # Where to Invest a Million Pesos in Argentina in 2026 > Source: [Where to Invest a Million Pesos in Argentina in 2026](https://youtube.com/watch?v=Qv0nnjYptnM) ## Summary This video provides a practical guide for investing a million pesos in Argentina in 2026, tailored to different risk profiles. It emphasizes the importance of consistent monthly investing over lump sums, and breaks down three portfolios—conservative, moderate, and aggressive—with specific asset allocations and expected returns. ### Key Points - **Three Portfolio Options** [00:28] — The video introduces three investment portfolios based on risk tolerance: conservative, moderate, and aggressive, each with different asset allocations and expected returns. - **Time Over Money** [00:54] — Time in the market is more important than the amount invested. Consistent small monthly contributions generate a larger snowball effect than a one-time large investment. - **Conservative Portfolio Breakdown** [03:56] — The conservative portfolio allocates 40% to dollars, 35% to CDRs (fixed-term deposits), and 25% to bonds, with an estimated annual return of 7.5%. - **Moderate Portfolio Breakdown** [04:38] — The moderate portfolio includes 45% in S&P 500 and NASDAQ index funds, 30% in UST staking, and 25% in corporate bonds, targeting an 11.5% annual return. - **Aggressive Portfolio Breakdown** [05:58] — The aggressive portfolio adds 35% in Bitcoin, reducing other allocations, for an estimated 17% annual return. It recommends using dollar-cost averaging via recurring purchases. - **Long-Term Growth Projections** [07:39] — With a moderate portfolio, investing $50 monthly for 40 years can grow to $500,000, and $100 monthly can make you a millionaire. This demonstrates the power of compound interest. - **Practical Platforms and Tools** [09:13] — The video recommends using BinX for crypto and staking, and Bull Market for index funds and bonds. It also shows how to set up a recurring purchase bot for Bitcoin. ## Transcript you got a million pesos. It could be a work bonus, a Christmas bonus, or part of a Christmas bonus plus savings, or you received an inheritance, or for some And the truth is, if you're thinking about investing it, I have to congratulate you because you already came to this video thinking about where to there's no single answer like, "Hey, I invested in this, that, and that." Because it risk profile, whether you are more conservative, more moderate, or more aggressive. So I decided to different investment portfolios with this million pesos. One that is more volatility, you want less risk, but you will also have less profit. Secondly, a slightly more moderate one, where you assume a little more risk and a more aggressive one where you want to achieve the highest possible returns, will obviously include crypto, maybe some slightly more volatile CDARs like Before the video, I want to give you a very important message that but I think it can be very important and can open the minds of many of you. In investing, the time you invest is much more important than the amount of money, and it can end up being much more invest a little money every month than to invest a large amount of money once. The example would be, now you are investing one million pesos at once your salary of 1 million, 1 million, 1.5 million pesos, you can invest 50 or $100 per month, then every month invest $50. This month I invested $50, next month long run, it will end up being much more significant than investing $1,000, $1,000, or $10,000 once snowball effect of compound interest. The important thing is not to invest a lot of money, but to invest a small amount of money consistently over time. exponential snowball effect is generated. [music] It may be that many of you don't pay attention to me and invest only once and expect that to generate a giant snowball effect, but suggestion. The most important thing is that you can put together a consistent plan in your personal finances invest a certain amount of money every month , even if it's 20, 30 or 50, even if it generate anything, in the long run it ends up building a very interesting investment portfolio. Think about it: in just one year, by investing only €50 per month, you can invest up to $600 from your own pocket . And if every year I invested $600 is generated with the money you already invested and the reinvested interest, it does n't generate the good-looking guy. I'm not going to give you a calculator by showing you this fact, there are a lot of videos like that showing calculators. So now. And before we start the video, I'm going to give you a little plug for a fact, it's a personal finance app . If you personal finances in order and so on, the website is sandia.la. You can go there and click "I want on the waiting list. Now, this is an expense manager bot income and expenses, but the interesting thing is that it has a and it automatically records it. Obviously I can already use it because I'm the founder, but it's not yet on the App Store, Play Store or anything like that. In fact, if I click here on enter and so on, it can already log in and I already have my account. In fact, I can show them to you here on my expenses, here I have the income, the expenses of the month and other things that we are you can go to the website, register on the Welist or directly to Instagram and follow us at sandia.Finance, it helps me a lot. Hopefully it will do offers a lot of value. Now then, after this long-winded explanation, let's get to risk you want to take. So for love, which is to show you calculators because I believe and am a firm believer that . In this case I ask, how much do I have , 2,000,000,000 pesos is almost $700. The can say 10 years, but you can set the amount of time you want. And percentage we're going to invest in each one and the estimated annual return. practically say that you wouldn't be investing the money. First, you would buy 40% in dollars, which is not an investment. You're changing the currency in the corral. In this case, it's precisely 40% to maintain the purchasing power of your money a little longer because the dollar also has inflation. Then we have 350,000 pesos, which yields approximately 8%, things like that. not only to preserve the purchasing power of your money in Argentine pesos, but devaluation, you would have a very good return in dollars, such as in 2024 and 2025. In this case, the conservative option is extremely conservative. [music] In fact, this annual return of 7.5% is completely wrong. That's the reality. You because you practically have everything in dollars and so on. Then, in the second moderate profile, things start to get a little more interesting, where we start to see 45% in CDRs of the S500 and the NASDAQ. The SP500 comprises the 500 largest companies in the United States, which on average since 1958 has yielded 10% annually in dollars, but in recent years the average return has been around almost 15%. And the Nasdaq is made up of 100 US technology companies annual return is between 12 and 14%, and in recent years it has been around 20%. is obviously much more volatile; you may have years with declines, but the long- we have UST staking, which will also generate this income for us, as I said, 8% annually, 6%, 10%, depending on where we stake. And then negotiable bonds in dollars at another 25%, which would be lending money to companies and those companies commit to returning that money to us plus interest. In this case we have an estimated return of 11.5% per year. This is much more reasonable and a very healthy profile, I would say. If you choose the moderate profile, I would say you are on the right track. In fact, I could have it without any problem. 45% in Cadas, 30% in staking to have dollar liquidity waiting for opportunities, and 25% in negotiable bonds. What I would add is last one is missing Bitcoin, we have the aggressive one that had an estimated return of around 17% per year, where we had 40% in SP500 and NASDAQ, exactly the same as the previous one, only to this one we add 35% in Bitcoin, which is crazy. One of those areas means gradually buying, not all 350,000 pesos at once, but buying little by little with recurring purchases, 15% in negotiable obligations and 10% in steacking the UST. The only difference between moderate and aggressive is that we reduced the amounts of added a little more Bitcoin. In this case the return is around 17% per year. Now I'm going to tell you how you can buy SP500, NASDAQ UST Bitcoin staking. I'm going to show you everything, but let's wait. Let's look at the the comparison over 10 years, how much money would you have in each option? But that's not the most important thing. I asked the calculator to add, what happens if we invest 20, 50, 100 or $200 per month in each of the before, what's truly a million pesos all at once, but investing consistently every month, even if it's just 20 or 50. That's why we have the calculator and the simulations for conservative, moderate, and aggressive investment plans. In the moderate profile, if we invest $ per month for 5 years, we have 1,600. If we do it for 10 years, 4,400. For 20 years, for 10 years, 4,400. For 20 years, $1,000. And for 30 years, $62,000. But what happens if we do it for 40 years? which is something possible from age 20 to 60, clearly a retirement that you can put together with just $20 a month. I changed the calculator, and if you do it for 40 years, with just $20 a month you can accumulate years, with just $20 a month you can accumulate $200,000. $200,000 by putting in $20 per month. You say, "Hey, yeah, but it's 40 years." Okay, but what changes for you since you turned 20, when you were 18? Putting in $20 a month and leaving it there for your $ 200,000 retirement is crazy. Then if you do it with $50 a month, in 5 years you have $4,000, in 10 years you have $1,000, in 20 years you have $46,000, in 30 years you have $156,000 and in 40 years you have half a million dollars. That's outrageous, just by putting in $50 per month. If you do that with $100 per month, in 5 years you'll have $ 8,000, in 10 years you'll have $22,000, in 20 years you'll have $92,000. In 30 years you have 312,000 and in 40 years you are officially a millionaire with an illion. You might be wondering, why isn't this linear? It's not that it grows from 5 to 10 years, it's double, it's not 8,000 and 16,000. It's not 8,000 and 22,000. Why is it not linear from 92,000 to 32,000? This is precisely because of compound interest. The more years that . That's outrageous. And if you can make the effort to put in $200 per month, in 5 years you'll have $16,000. In 10 years you have $44,000, which is enough for an apartment, for your little house, everything. In 20 years you have $15,000. In 30 years you have 625,000. And in 40 years you have two [music] green sticks, $00000. barbarity. All this with the moderate one, with the aggressive one I don't even need to tell you. With $ per month you end up with 1,200 222,000. With 50 a month you end up with 3,000. With $100 a month you end up with six sticks. With $200 a month you end up with 12 sticks. Obviously, maintaining a return of 17% per year for 40 years is not practically that the best investor in history, Warren Buffett, achieved 28% annually since he started and 20% annually since he managed to open Belger Hattaway. So it earns 17% annually. Consistent is very, very difficult; moderate is much you want to buy Bitcoin, for example, or stake an account on Bin X. I'll leave the first link in the description where you'll not only get a discount on fees and 250 in drawing for an iPhone—it's amazing! If you already have an account, I create a new one to get all these benefits. Now, UST sticking is like dollars, but you get paid returns. In this case, UST flexible 8% to 0, hand, if you also want to put it in USC, but it's like UST is So, you can treat it like a fixed-term deposit, but you can put it in and take it out whenever you want, without the risk of putting it in an Argentinian bank and with option for buying Bitcoin. What I do is come to the spot sector, spot bots and this which would be recurring purchase now because I have it in English, well I didn't is set up a bot to buy Bitcoin every day. In this case, I Bitcoin every day for 233 days. It's outrageous. What you have to do is cryptocurrency you want to buy with USDT, in this case Bitcoin, and specify hours. And how often do you want it to repeat? every hour, every 6 hours, every 12 week, once every 15 days, once a month. In this case, I set it to buy 5 once a day. You confirm it and that's it. In this case, you can confirm a bot so you don't have to keep going in and buying them; just a bot and you're done. On the other hand, if you want to buy SP500, Nasdaq, or corporate bonds, I have many tutorials on my profile that explain exactly how to create another account on a partner exchange. In this case, I use Bull Market National Securities Commission, and has been in the market for 25 years. Obviously, I'll leave all the but if you want to deposit in MinX, or buy Bitcoin, etc., search for "how to deposit in MinX" and one of my videos will appear, or "how to buy SP500" and another of my videos will appear, do it. I hope you enjoyed this video , please like, subscribe, and I'll , please like, subscribe, and I'll see you in the next video. Yeah.