Here Are 4 Ways To Enjoy Annual Bonuses

Illustration of money (Unsplash)

JAKARTA - Don't let this year's annual bonus become a boncos just because of the theme or don't even know how to enjoy it. When the annual bonus arrives, many things that have been delayed can be realized, such as renovating a house, meeting the needs of children's schools, and even going on vacation to a new destination with family.

Windy Riswantyo as Marketing, Alternative & Direct Business Group Head Astra Life said, "How to enjoy annual bonuses may be different, it's fine if the annual bonus is used for quality time with family or colleagues, it could even be a moment of self-appreciation because they have struggled to work hard for a full year.

But not many know that this annual bonus can bring other happiness in the future if it can manage it well.

Here are 4 Ways to Enjoy Annual Bonuses.

1. Celebrate Self-reward

Rayakan bonus tahunan untuk diri juga penting apalagi biasanya banyak diskon akhir tahun yang ditawarkan. Count budget dan susun prioritas dalam berbelanja untuk self-reward agar tidak berlebihan dalam menggunakannya, karena masih ada kebutuhan masa depan yang harus disepikan. Pilih salah satu atau dua kegiatan yang benar-benar dibutuhkan bersama keluarga atau dengan rekan sejawat.

2. Enjoy some set aside for the future

To realize long-term dreams, it is also necessary to set aside some for the future, such as, to meet hajj funds, children's education costs, to adequate retirement. Because the majority of Indonesia's population is employees, there are pension facilities or Financial Institutions Pension Funds (DPLK) for private employees. In this way, you can prepare a retirement period safely and can be enjoyed together with your family. The advantage is that it is tax-free, but taxes will be imposed according to their respective provisions if you want to take DPLK funds.

3. Sufficient essential financial needs

Essential financial needs such as emergency funds and insurance. Emergency funds are important if there is a risk of life that can result in losing a source of income. Emergency funds help at least survive in the first three months while looking for a new job. Insurance is the key to avoid financial pressure in the future and make family finances safe. Insurance plays a role in protecting assets that are hard to collect by workers or earners. For example, if the head of the family dies, then compensation from life insurance will enable the bereaved family to continue to live.

4. Develop investment

Many investment instruments can be learned, such as deposits, stocks, mutual funds, bonds, Government Securities (SBN), Gold and others. Investment plays a role in fighting inflation. If you haven't invested, start investing and choose the right and wise type of investment according to the level of risk. For that, learn and understand more in detail the type of investment. It is also recommended to diversify investment instruments, in order to minimize losses in investment. Keep in mind, don't be easily tempted by fraudulent investments.