Year-end award, this is a word that makes me happy just thinking about it.

I remember when I received my year-end bonus for the first time and saw an extra amount of money in my bank card, I was very happy for those few days and my heart was filled with joy.

I bought some gifts for my family with my year-end bonus in the first year, and the rest of the money was used to buy stocks.

Later, we caught up with the bull market, and the year-end bonus investment that year was very cost-effective.

This is also the advantage of individual investors. Every once in a while, they will have an extra cash flow in their hands.

Institutional investors will definitely have cash flow for investment every once in a while, and they must not wake up from their dreams.

But this advantage is very common among individual investors.

Many office workers will receive more or less year-end bonuses at the end of the year.

This amount of funds ranges from a few thousand yuan to tens of thousands.

How should this amount of funds be handled?

If you want to invest, when should you invest?

Let’s discuss it today.

It is best to invest before the Spring Festival. Most of the year-end bonuses will arrive in January or before the Spring Festival. If the money is funds that will not be used for a long time, then we can invest it in currently undervalued index funds.

And if we want to invest, it is best for us to invest before the Spring Festival.

The time before the Spring Festival is the biggest advantage of the year-end bonus.

How to invest a small amount?

If the amount is not large, you can set aside the portion you want to spend first, such as buying some New Year's goods; there is no problem in investing the rest directly in an undervalued index fund in one go.

There will be a year-end bonus every year in the future, and you can vote for it once every year.

It is equivalent to making an additional "annual fixed investment" plan in addition to the original fixed investment plan, and the long-term returns are also good.

How to invest large amounts?

If the unit performs particularly well this year and receives a huge year-end bonus at one time, you can use part of it to invest in index funds.

How to measure the amount specifically?

I think if it is more than 20 times the monthly salary, it can be considered a huge year-end bonus.

In this case, we can use the method of "100-average age of family members" to allocate funds.

For example, if the average age of the family is 40 years old, we can invest 60% of the huge year-end bonus in undervalued index funds; the remaining 40% of the funds can be managed through safe channels, such as bank financial management or currency funds.

, or directly used to improve lives.

The 60% used for investment can also be divided into 12 parts and included in the subsequent fixed investment.

Next year, there will be a year-end bonus, so you can continue to do this.

This is equivalent to incorporating the year-end bonus into the daily fixed investment.

The year-end bonus is not like a sum of money in your hand that is gone after you invest it. From now on, we will receive a year-end bonus every year, and we will harvest one crop every year.