La premier Violeta Bermúdez anunció la suscripción de la autógrafa de ley que permitirá el retiro y disposición del 100% de la CTS, para todos los trabajadores sin excepción. En palabras de Bermúdez: “si bien esta norma podría desproteger a los trabajadores frente a una contingencia de desempleo, considerando la situación actual en que muchas personas requieren fortalecer sus ingresos, hemos decidido no observar la ley de retiro de la CTS”.
Al respecto, el Mg. César Orellana Quispe, especialista en finanzas y docente de la escuela de Contabilidad de la UCV campus Piura, señaló la importancia de un uso efectivo y a consciencia de este dinero.
«Esta norma permite que los peruanos hagan el retiro de su CTS hasta el 31 de diciembre de este año, por lo cual es relevante ser muy prudentes, precavidos e inteligentes financieramente en el uso que se le vaya a dar», enfatizó el especialista en finanzas, quién señaló las siguientes recomendaciones:
- Preserva el ahorro. Si la situación económica del hogar es estable y no tienes problemas crediticios, lo recomendable es no realizar el retiro de la CTS. Esta recomendación se da ya que la finalidad de esta norma es proteger a los ciudadanos frente al desempleo.
- Evalúa tu mejor opción de ahorro. Recuerda que los depósitos de la CTS cuentan con una de las mejores tasas de rendimiento en el sistema financiero. Lo que también se podría hacer, si el objetivo es mejorar la rentabilidad de tus depósitos, retira y consulta por entidades financieras que ofrezcan mejores tasas de rendimiento que la de tu CTS en depósitos a plazo.
- Paga deudas. Mejora tu posición crediticia saldando deudas, privilegiando las atrasadas. También podrías adelantar el pago de créditos, de preferencia los que están a una tasa de interés alta (deuda de tarjetas de crédito, por ejemplo). Esto se traduciría en menos requerimientos de efectivo en el futuro, por reducción de intereses o acortamiento de los plazos de vencimiento.
- Emprende. Es importante tener en cuenta que la CTS es un beneficio cuyo fin es el de socorrer a los trabajadores durante el desempleo. Una opción de uso eficiente es la de invertir en un emprendimiento que por falta de capital no has iniciado.
- Presupuesta. No realices gastos innecesarios o superfluos, ten en cuenta que estamos inmersos en una emergencia sanitaria y puedes necesitar estos ingresos más adelante. Si a pesar de eso quieres realizar compras, no te extralimites. Elabora un presupuesto, programa gastos.
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