Diwali Salary Bonus Investment; FD Return | Mutual Fund | Your money- How to use Diwali bonus correctly?: How much ratio of shopping and investment is correct, where to invest the most beneficial

every Most companies give bonuses to their employees on the year Diwali. This bonus is also a gift of happiness for us and also a chance to improve our financial condition.

However, it often happens that as soon as the bonus comes in hand, we spend money in shopping, buying new things and fulfilling hobbies. This gives happiness for a few days, but for a long time, this amount does not work for us.

In such a situation, today we Your money Will know in the column that-

Question- How to use Diwali bonus correctly?

answer- The correct use of Diwali bonus depends on your needs and priorities. The right way is to divide the bonus into three parts.

In this, necessary expenses, savings and investment and small happiness for yourself. This will also keep the fun of the festival and economic stability will not be affected.

Question- Where should one use Diwali bonus first?

answer- If you have any necessary debt or loan, then it is prudent to use this money to repay it first, so that the burden of interest can be reduced.

After this it is better to put a part of the bonus in savings and investment, such as fixed deposits, mutual funds or gold, so that safe amounts can be prepared for the future.

Yes, the fun of the festival is also necessary, so it is also okay to spend some amount on shopping, family or hobby.

Question- If your bonus is 25000 thousand rupees, then how much will the return get?

answer- If your bonus is Rs 25,000 and you invest it depends on where you have invested it. Let us understand it through graphic.

Question- If your bonus is 50,000 thousand rupees, then how much will the return get?

answer- If you make a fixed deposit (FD) or mutual funds of this amount, then the return can vary. Let us understand it through graphic.

Question- If your bonus amount is Rs 1,00,000 and invests it, how much return will you get?

answer- Your return will also be big by investing Rs 1,00,000. Also, the return also depends on how long you invest. Let us understand it through graphic.

Question- Is it a good option to prepare an emergency fund from bonus?

answer- If you have not deposited the amount for emergency fund, then you can keep the bonus amount for emergency fund. However, you can also get good returns of this amount.

For this, you can put this amount in your savings account and put it in the auto swap.

Suppose you have Rs 50,000 in your bank account, then you can keep 20,000 rupees as base amount. While you can get equal interest of FD at Rs 30,000.

In such a situation, whenever the amount in your account is more than Rs 20,000, you will get the interest of FD on that amount. With this, your emergency fund will also be ready and investment will also remain.

Question- Should it only spend on shopping and hobbies?

answer- On receiving Diwali bonus, firstly the idea comes to fulfill shopping and hobbies. There is no harm in this because the real fun of the festival is only when you give happiness to yourself and your family.

However, it is not the right decision to spend the entire amount in the bonus only in shopping. It would be better to spend some part of the bonus on the necessary shopping and happiness and put the remaining amount in saving or investment.

This will ensure the happiness of the festival as well as future security.

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