Overview
- Specialists advise using the bonus to eliminate high-interest obligations such as credit cards to cut interest costs and strengthen credit profiles, according to Prima AFP’s Oscar Zapata.
- Set aside a fixed portion for an emergency fund with a target of three to six months of expenses, using the bonus to kick-start or top up the cushion.
- Reserve money for early-year obligations like education payments, taxes, and routine fees to avoid January cash strain, a priority stressed by AFP Integra’s César Chang.
- Begin investing with small amounts, including voluntary AFP contributions available with or without a pension objective, which provide flexible access to diversified funds.
- Context data show average holiday spending of S/300–S/350 per person, per the Lima Chamber of Commerce, while Activa Research reports many will still pay debts but saving and investing are gaining traction.