[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 ❤️
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