The companies have until December 15 for the mandatory delivery of the gratification Christmas to all its workers. However, the continuity of the pandemic, the country’s political crisis and an international market in constant motion, should make us clear what to do with this highly relevant money.
This benefit will be disbursed to a maximum of about 3 million formal workers in the private sector.
In this sense, Matias Maciel, CFO and Cofounder of Rextie.com share the following tips or recommendations to invest the gratification:
– Pay debts or commitments assumed: it is always important that those who receive extra money allocate this money to be able to fulfill previously assumed commitments; that is, debts.
– Save with a fixed term deposit: this is the best tool to be able to fulfill the goal. Saving on a fixed term will allow you not to have a certain amount of money in a good time and use it exclusively to make what you have in mind come true.
– Exchange dollars and save in this currency: the foreign exchange market is highly volatile as a result of the country’s political situation. In this sense, if your plan is to save in the short and medium term, we recommend changing part of the bonus to dollars, a currency that to date is more solid than the Peruvian sol, protecting you against a possible devaluation of the local currency.
– Invest in your health and that of your family members: Today more than ever, and as a result of what we have experienced as a result of the COVID-19 crisis, it is important to allocate part of our gratification to ensure that we will be able to have good health in the following months. In this case, if you do not have a private health plan, we recommend that you evaluate it as a family.
Likewise, the extra money from the bonus could well be used to invest in medical exams or the hiring of an annual preventive check-up for you and your family members.
– Invest in your education or that of your children: you must look at education as an investment that has no loss. We often see this as an expense rather than an investment. It is time to change the chip. Is there a course that you are interested in following? Do your children need to reinforce some skills or knowledge? This is the time to do it. Set aside part of your money to invest in educating them. We assure you that the reward can be very satisfactory.
– Investments in factoring: This financial tool, unknown to many, can generate up to 35% return. If you like to invest and you don’t want to see your money sleeping for a long time, this is a safe modality. Today you have the possibility of financing invoices in exchange for profitability in just days. You don’t need to be an expert to invest here. What you need is a small surplus of money and the desire to earn more money.
– Start your own business: What may seem distant and impossible for the family finances, the availability of some extra money may be all you need to start making your business idea that you have been putting off. There is a misconception that starting a business from scratch requires a lot of money.
“Reality shows that this is not the case, and the living proof are the many entrepreneurs who have started with very little, and who today are large multinational businesses,” said the executive.
“It is important that ordinary people understand about the value of money over time. In such a way that a thousand soles today will not have the same value next year, because as a result of the instability of the currency and / or inflation, purchasing power is lost ”, concluded Matias Maciel.
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Kingston is an accomplished author and journalist, known for his in-depth and engaging writing on sports. He currently works as a writer at 247 News Agency, where he has established himself as a respected voice in the sports industry.
