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Business News›Wealth›Plan›5 smart ways to use your bonus

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5 SMART WAYS TO USE YOUR BONUS

SECTIONS
5 smart ways to use your bonus
By
Babar Zaidi

, ET BureauLast Updated: Apr 24, 2023, 01:46 PM IST
Synopsis

START BY ASKING YOURSELF A FEW BASIC QUESTIONS. THE ANSWERS WILL HELP YOU DECIDE
HOW YOU SHOULD SPEND THAT MONEY.

Getty Images
The average salary increment will be 10% this year, according to a survey by
global consultancy firm WTW. Sadly, the inflation ogre will gobble up a big
slice of this raise. But the cherry on the cake–the annual performance
bonus–will be yours to spend. Many of us may have already firmed up plans on how
to use the bonus.

Also read: 7 best river cruises in India

Before you blow it all away, consider using the money to improve your finances.
“You should identify the gaps in your financial plan and then use the bonus
money to fill those gaps,” says Naveen Kukreja, CEO and Co-founder of
Paisabazaar. com. Start by asking yourself a few basic questions. The answers
will help you decide how you should spend that money.

1.DO YOU HAVE AN EMERGENCY FUND?
Keep at least 6-12 months of expenses in a contingency fund If you get a good
raise and a generous bonus this year, consider yourself lucky. Elsewhere, people
have lost jobs or got no increment. This is why experts recommend that everyone
should maintain an emergency fund that can be easily accessed at short notice.
“If you don’t already have an emergency fund, setting up one with your bonus
money should be the first thing to do,” says Kukreja. The thumb rule is to have
enough stashed away to cover 3-6 months of expenses, including loan EMIs and
insurance premiums. However, in the current situation where a lot of start-ups
are folding up and finding another job is not easy, one may need a bigger
buffer. “People employed in established companies and holding stable jobs can
keep a corpus to sustain up to 6 months’ expenses, but those employed in
start-ups or newer companies should have a bigger buffer of 9-12 months’
expenses,” says Kukreja.

An emergency fund should be available at short notice so don’t keep the money in
volatile or illiquid instruments. Go for liquid funds, short duration debt funds
or a sweep-in savings account which puts the money above a specified threshold
in fixed deposits to earn slightly better returns. You may not earn too much
from this investment, but that doesn’t matter. It is also very important that
this money is not used unless there is a real emergency. Dipping into it time
and again for discretionary spending will defeat the purpose of the emergency
fund. Also, if you have used it to fund an emergency, replenish as soon as you
get enough liquidity. That’s what Maya V.M. (see picture) intends to do with her
bonus this year. The Thiruvananthapuram-based risk analyst dipped into her
emergency fund for some unexpected expenses earlier this year and wants to
replenish the corpus.

How many EMIs you can reduce
Impact of Rs.2 lakh prepayment on Rs.50 lakh home loan at 9%.

Note:1. Longer the remaining tenure, the more EMIs are saved by prepayment.
2.More EMIs will be saved if home loan rates are hiked further.

Piyush Sinha
27 years, Delhi
Bonus expected
Rs.1.5 lakh

This finance professional uses his bonus for one-off expenses such as insurance
payments, big-ticket purchases or even vacation travel. His plan this year is to
either prepay a personal loan or use it for downpayment to buy a vehicle.
“One-off expenses can derail monthly budgets, so the bonus money comes handy.”

Maya V.M.
33 years,
Thiruvananthapuram
Bonus expected
Rs.1 lakh

She dipped into her emergency fund for an unexpected expense earlier this year.
Some part of the bonus money will be used to replenish the emergency fund and
the balance will be used for holiday travel.
“Maintaining an emergency fund is absolutely essential, especially in times like
these.”

2.DO YOU HAVE ADEQUATE INSURANCE?
A medical cover for the family and life cover for the breadwinner are absolutely
necessary
The pandemic made us aware of the importance of health insurance. Yet, many
people keep putting off this critical step for some reason or the other. The
most common excuse is: “I know health insurance is important but I don’t have
the money right now”. The question is, if you don’t have Rs.25,000-30,000 to buy
a health plan, where will you find the Rs.2-3 lakh to pay for medical expenses
in case of hospitalisation? Don’t rely on the group cover from your employer
because it may not provide sufficient coverage.

Also, that cover will not be available forever. Buy a family floater health plan
to cover all family members. A Rs.10 lakh floater plan that covers a husband,
wife and two kids will cost about Rs.22,000-30,000 a year depending on the age
of the oldest member. Keep in mind that health insurance premiums are eligible
for tax deduction, so the effective cost in the 30% tax bracket will be roughly
Rs.15,000-22,000. Similarly, everybody also needs adequate life insurance cover
that can effectively replace his or her income after settling all outstanding
debts. The thumb rule is to be covered for at least 8-10 times your annual
income plus any outstanding debts.

Buy life insurance for yourself
Cost of Rs.1 crore life cover till the age of 65.

Buy from an insurance company with a healthy claim settlement record and a good
reputation for customer orientation. The tenure of the policy is almost as
important as the cover it offers. Ideally, the cover should be till the age of
60-65 years. Don’t buy a short-term plan that will end when you are in your 50s.
Your insurance needs are highest at that stage of life and buying a new policy
in your 50s will be very costly. You might even be denied the cover if you have
developed a health condition. For those who don’t want to pay the premium every
year, companies have designed limited premium payment plans. You pay for 10-15
years though the cover continues for 30-35 years. Such limited premium payment
plans will be especially useful for those who plan to start their own business
after working for 10-15 years. One may also consider buying a single premium
plan that pays the entire premium at one go. You may have to part with your
entire bonus for such a plan. On the flipside, this one payment will take care
of your insurance needs for the rest of your working life.

3.ARE YOU PAYING A HIGH-COST LOAN?
Prepaying such loans can save you more than what you earn from fixed income
options
While salary hikes and bonuses are something to celebrate, people with large
outstanding debts should use the surplus cash to reduce their debt burden.
Highcost and long-term loans should be retired as early as possible. “The longer
the tenure, the higher is the interest outgo. Just like long-term investments
build wealth for you, long-term debt burdens you with high interest,” says Raj
Khosla, Managing Director, MyMoneyMantra.com. That’s something home loan
customers should keep in mind. Home loan rates have risen from 6.5% to more than
9% in two years. When rates go up, extending the tenure of a floating rate loan
is the default response of lenders. A 20-year home loan taken in 2019 at 6.5%
has now extended to 31 years. Here is where the bonus can come handy. A
prepayment amounting to four EMIs can reduce the tenure of a 20-year loan by
almost two years (see graphic).

It can be argued that prepaying the home loan takes away liquidity. This dilemma
can be addressed through home loan saving accounts that most lenders offer.
Money put in the home loan saving account reduces the outstanding loan and
accordingly brings down the EMI. But it can be withdrawn anytime the borrower is
in need of cash. For borrowers, a rupee saved is a rupee earned. “A borrower
saves 8.5-9% interest by prepaying a home loan. It is very difficult to earn
that kind of post-tax returns in fixed income instruments,” says Kukreja. The
math is not lost on Delhi-based finance professional Piyush Sinha (see picture).
He wants to use his bonus for the downpayment of a new bike, but is also
considering paying off a personal loan he took a few years back. It’s a toss up
between how much he will pay for the vehicle loan and the 10% he is paying on
the personal loan.

4.ARE YOUR LONG-TERM GOALS ON TRACK?
Use the surplus cash to save for your child’s higher education or your
retirement
How about using your bonus to beef up your savings for long-term goals? That’s
what two-marshmallow investors generally do when they get a lump sum amount.
Where you put that money will depend on your risk appetite as also the
investment horizon you have in mind. “Investors with a high risk appetite and
long-term investment horizon of more than 5-6 years should go for equity mutual
funds,” advises Kukreja. He says a combination of index funds and flexicap
schemes can yield decent returns in the long term.

For moderate investors, Kukreja suggests a mix of index, flexicap and balanced
advantage funds. Balanced advantage funds change their asset mix depending on
the market levels, thus delivering stable and better risk adjusted returns.
However, it may not be a good idea to invest a large sum in equity funds at one
go. Instead, put the money in a short duration debt fund and start a systematic
transfer plan into the equity scheme. For instance, if you have Rs.3 lakh to
invest, identify the flexicap fund you wish to invest in, put that amount in a
debt scheme of the same fund house and then start a systematic transfer of
Rs.20,000-25,000 into the equity scheme. Your money grows at 7-7.5% in the debt
fund and slowly gets transferred into the equity fund over 12-15 months even as
you benefit from the volatility in the equity markets. That’s exactly what
Pune-based IT professionals Sujata and Karan Rao (see picture) are planning to
do with their bonus this year.

A tip from mutual fund adviser Deepti Goel of Alpha Capital: If you already had
invested in debt funds before the new tax rule came into effect from 1 April,
avoid using those schemes for the systematic transfer. “Since mutual fund
investments are on a first-in-first-out basis, you will not lose out on the
indexation benefit that past investments are eligible for,” she says.

5.ARE YOU SEEKING ASSURED RETURNS?
Lock into the prevailing high rates and harness the power of compounding over
the long term If you are not comfortable with the volatility that comes with
equity investments, go for fixed income options. The current situation offers a
good opportunity to lock in at the prevailing high interest rates. Banks have
hiked their deposit rates and small savings rates have also been hiked recently.
Even debt funds, which have lost some sheen after the new tax rules, are
offering indicative yields of 7.5%. Investors should look at the post-tax
returns when comparing fixed income instruments (see graphic). For instance,
while the interest rates of most small savings schemes were hiked last month,
the PPF rate has remained unchanged at 7.1%. But considering that the interest
from PPF is tax free, the scheme scores higher than other options in the higher
income brackets.

Sukanya scheme offers highest returns
PPF scores over bank deposits due to tax advantage

Sujata and Karan Rao
33 and 35 years,Pune
Bonus expected
Rs.3 lakh

They want to invest the money in equity funds for their daughter’s education.
Instead of putting it into an equity fund at one go, they will invest in a debt
fund and start a systematic transfer plan of Rs.20,000 into the equity scheme.
“We have a long term investment horizon, but don’t want to invest a large sum at
one go.”

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