[vc_row][vc_column][stm_spacer height=”90″ height_mobile=”-100″][vc_custom_heading source=”post_title” font_container=”tag:h4|text_align:center|color:%233f3f3f” google_fonts=”font_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal”][/vc_column][/vc_row][vc_row][vc_column width=”1/6″][/vc_column][vc_column width=”2/3″][vc_single_image image=”14422″ img_size=”large” alignment=”center”][stm_separator color=”custom” style=”style_3″ custom_color=”#0d97ff” sep_width=”200px” sep_height=”10px” sep_css=”.vc_custom_1571309810608{margin-top: 20px !important;}”][vc_raw_html]JTVCRElTUExBWV9VTFRJTUFURV9TT0NJQUxfSUNPTlMlNUQ=[/vc_raw_html][vc_column_text]Can you hear that?
That’s the sound of your 13th month pay being deposited to your account 🏧
We know you’re itching to get your hands on your hard earned money to reward yourself for all that hard work. But before you do, you may want to take a couple of things into consideration first.
We encourage you to carefully plan how to wisely spend your bonus instead of letting all that money slip away 💸 No one wants that, right?
As your financial buddy, we’re here to share bite-sized tips on what you should do with your year-end incentive:[/vc_column_text][vc_column_text]Should you save or invest?
Option 1: Save your entire bonus if
✅ You haven’t started your emergency fund yet (read this blog to learn more)
✅ You have depleted your life savings due to an unanticipated life event
✅ You have enough streams of income that can cover your living expenses
✅ You are not yet *emotionally* and *financially* ready to take the dips of an investment portfolio
Option 2: Invest your entire bonus if
📈 Your emergency fund and long-term savings are already secured
📈 You have enough disposable income that you won’t regret losing
📈 You are ready to grow money beyond low bank interests
📈 You already know your risk profile (learn more about risk profiles here)
📈 You’ve done your research on which investment channel best suits you (familiarize yourself about the investment channels by reading this blog)
Option 3: Save a portion and invest a portion if
⭕ You have ample savings and are ready to take risks (including gains and losses) with investments
⭕ You want to learn about investing through experience
⭕ You want to maximize your time and not wait ‘til it’s too late to invest
⭕ You want to distribute the risks by having an easy-to-liquidate money and starting your investments[/vc_column_text][vc_column_text]Next, you may be wondering:
“Where and how should I start if I’m ready to invest?” 🤔
We’ll give you a comprehensive introduction to investments in the next blog so make sure to watch out!
For now, you can reflect on how you can wisely handle your year-end incentive with the pointers we provided.
See you next week ❤️[/vc_column_text][vc_raw_html]JTNDaWZyYW1lJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZvcGVuLnNwb3RpZnkuY29tJTJGZW1iZWQlMkZlcGlzb2RlJTJGMnJZSXhCTDdFOXpCVllXRjZoNE5OUCUzRnV0bV9zb3VyY2UlM0RnZW5lcmF0b3IlMjIlMjB3aWR0aCUzRCUyMjEwMCUyNSUyMiUyMGhlaWdodCUzRCUyMjIzMiUyMiUyMGZyYW1lQm9yZGVyJTNEJTIyMCUyMiUyMGFsbG93ZnVsbHNjcmVlbiUzRCUyMiUyMiUyMGFsbG93JTNEJTIyYXV0b3BsYXklM0IlMjBjbGlwYm9hcmQtd3JpdGUlM0IlMjBlbmNyeXB0ZWQtbWVkaWElM0IlMjBmdWxsc2NyZWVuJTNCJTIwcGljdHVyZS1pbi1waWN0dXJlJTIyJTNFJTNDJTJGaWZyYW1lJTNF[/vc_raw_html][vc_raw_html]JTVCRElTUExBWV9VTFRJTUFURV9TT0NJQUxfSUNPTlMlNUQ=[/vc_raw_html][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_row disable_element=”yes” shadow_x_offset=”0″ shadow_y_offset=”0″ shadow_blur=”0″ shadow_spread=”0″][vc_column][/vc_column][/vc_row][vc_row][vc_column][vc_column_text][/vc_column_text][/vc_column][/vc_row]
