December arrives, month of Christmas and also of the gratification by the end of the year. Surely, many people have already made plans for this benefit, but below the head of Passive Products at Alfin Banco, Alfredo Shiroma, provides some recommendations to take advantage of this income:
Look: S/22,000 million will stop investing
1. Invest in education. Allocate your reward to improve your professional profile with courses or training, since being up to date is important to face challenges and new opportunities. You can also use it for your children’s useful vacations, so they can learn and have fun during the summer, or start saving for school supplies.
2. Prioritize your health. If you have pending medical checkups or need to undergo treatment, this is the time to do it. Prevention will always be an important investment to avoid future emergencies.
3. Pay debts. Getting out of debt not only reduces stress, but also improves your credit history, making it easier for you to access better financial services in the future.
4. Create an emergency fund. Having a financial cushion for unforeseen events is always a good idea. At Alfin Banco you can take advantage of the Fixed Term Deposit in Soles, with a rate of up to 6.5%, or the Fixed Term Deposit in Dollars, which offers a competitive rate of up to 3.75%. In addition, both options are protected by the Deposit Insurance Fund, giving you greater peace of mind and security.
5. Save for big goals. If you plan to buy a home or vehicle, your bonus can be the first step toward saving your down payment. Alfin Banco offers Ahorro Meta, with a rate of 5% TREA soles or 3.25% TREA dollars, without maintenance fees if you maintain a balance greater than or equal to S/100.
6. Invest in your business. If you have a business, allocate a portion of your bonus to strengthening it. A good strategic investment can help you boost your sales and ensure the growth of your business.
On the other hand, the analyst stated that it is important to avoid impulsive spending or committing to unnecessary debt. Good financial management allows you to maintain a healthy credit history, which is key to accessing better financing opportunities in the future.
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