{"id":23650,"date":"2022-06-03T16:42:00","date_gmt":"2022-06-03T11:12:00","guid":{"rendered":"https:\/\/fundsindia.com\/blog\/?p=23650"},"modified":"2022-07-28T15:34:39","modified_gmt":"2022-07-28T10:04:39","slug":"got-your-salary-hike-and-bonus-here-are-2-saving-hacks-before-you-go-on-a-spending-spree","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/mf-research\/got-your-salary-hike-and-bonus-here-are-2-saving-hacks-before-you-go-on-a-spending-spree\/23650","title":{"rendered":"Got Your Salary Hike And Bonus? Here Are 2 Saving Hacks Before You Go On A Spending Spree"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner.jpg\"><img loading=\"lazy\" width=\"1024\" height=\"512\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner-1024x512.jpg\" alt=\"\" class=\"wp-image-23709\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner-1024x512.jpg 1024w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner-300x150.jpg 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner-768x384.jpg 768w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner-1536x768.jpg 1536w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/May_Page-Banner-2048x1024.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"has-small-font-size\"><span style=\"font-style: italic; color: rgb(95, 96, 96);\" class=\"has-inline-color\">This article was originally published in<\/span> Financial Express.<em><span style=\"color:#5f6060\" class=\"has-inline-color\"> Click\u00a0<\/span><a href=\"https:\/\/mintgenie.livemint.com\/news\/markets\/should-you-be-worried-about-your-underperforming-funds-151679308256910\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"has-inline-color has-vivid-cyan-blue-color\">here<\/span><\/a><span style=\"color:#5f6060\" class=\"has-inline-color\">\u00a0to read it<\/span><\/em>.<\/p>\n\n\n\n<p>June is finally here, and most of us are either eagerly anticipating or have already received our salary increases and bonuses.<\/p>\n\n\n\n<p>The obvious next question is&nbsp; &#8211; <strong><em>\u201cWhat do you do with your bonus and salary hike?\u201d<\/em><\/strong><\/p>\n\n\n\n<p>If left to our own devices, there is a high chance that we end up spending most of our bonus and hike, with very little saved or invested.<\/p>\n\n\n\n<p><strong>So, what do we do instead?<\/strong><\/p>\n\n\n\n<p>Here are two simple hacks you can follow to ensure that you strike the right balance between spending your much-deserved bonus and salary hike without compromising on your future savings!<\/p>\n\n\n\n<h4><strong><span style=\"color:#0454a1\" class=\"has-inline-color\">Saving Hack 1: Increase your SIP amount every year as soon as you get your salary hike<\/span><\/strong><\/h4>\n\n\n\n<p>Why?<\/p>\n\n\n\n<p><strong>Even a small increase every year can make a huge difference to your final portfolio value over the long run<\/strong>.<\/p>\n\n\n\n<p><strong>An increase in SIP amount every year helps you to&nbsp;<\/strong><\/p>\n\n\n\n<ul><li><strong>Reach your financial goals faster<\/strong><\/li><li><strong>Expand your financial goals (eg afford a sedan instead of a hatchback)&nbsp;<\/strong><\/li><\/ul>\n\n\n\n<p>Let\u2019s see how your portfolio looks without an increase in SIP and with an increase in SIP every year.&nbsp;<\/p>\n\n\n\n<p>Assume you are investing Rs. 5,000 every month via SIP and your investment earns a return of 12% CAGR. <strong>The value of your portfolio after 20 years would be around Rs 49 lakhs.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-25.png\"><img loading=\"lazy\" width=\"1024\" height=\"158\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-25-1024x158.png\" alt=\"\" class=\"wp-image-23731\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-25-1024x158.png 1024w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-25-300x46.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-25-768x118.png 768w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-25.png 1050w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p>Now comes the interesting part. What do you think would be the value of your portfolio if you had increased your SIP say by 10% every year?<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-26.png\"><img loading=\"lazy\" width=\"1024\" height=\"154\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-26-1024x154.png\" alt=\"\" class=\"wp-image-23732\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-26-1024x154.png 1024w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-26-300x45.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-26-768x115.png 768w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-26.png 1047w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<p><strong>The value of your portfolio after 20 years would be almost Rs 98 lakh (vs Rs 49 lakhs) if you increase your SIP every year by 10%.&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>Over a long time frame (i.e 20 years), your portfolio value when you increase your SIP every year by 10%&nbsp; is almost twice the original portfolio with a constant SIP amount every year!<\/strong><\/p>\n\n\n\n<p>Here is a table that shows the difference in final portfolio values across different time frames for different % of the annual increase in SIP amount<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-27.png\"><img loading=\"lazy\" width=\"1024\" height=\"256\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-27-1024x256.png\" alt=\"\" class=\"wp-image-23733\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-27-1024x256.png 1024w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-27-300x75.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-27-768x192.png 768w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2022\/05\/image-27.png 1050w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<h4><strong><span style=\"color:#0454a1\" class=\"has-inline-color\">Saving Hack 2: Invest atleast 50% of the bonus amount as per your existing asset allocation plan&nbsp;<\/span><\/strong><\/h4>\n\n\n\n<p>When it comes to your bonus, make sure you set aside atleast 50% of your bonus and invest it back into your long-term portfolio as per your original asset allocation.<\/p>\n\n\n\n<p>Here is how you can deploy your money at the current juncture<\/p>\n\n\n\n<p><strong>Equity :&nbsp;<\/strong><\/p>\n\n\n\n<ul><li>40% of the Equity amount can be immediately deployed in one go<\/li><li>60% of the Equity amount can be deployed in a staggered manner &#8211; via weely STP over 3 months<\/li><\/ul>\n\n\n\n<p><strong>Debt :<\/strong><\/p>\n\n\n\n<ul><li>The entire Debt amount can be immediately deployed in one go<\/li><\/ul>\n\n\n\n<p>Here comes the good news &#8211; You can spend the remaining 50% of your bonus as you please!<\/p>\n\n\n\n<h4><strong><span style=\"color:#0454a1\" class=\"has-inline-color\">Summing it up&nbsp;<\/span><\/strong><\/h4>\n\n\n\n<p>So, remember these two simple saving hacks when you get your salary hike and bonus,<\/p>\n\n\n\n<ol><li><strong>&nbsp;Increase your SIP every year as your salary grows \u2013 ideally target to increase your SIP by 10% or more.<\/strong><\/li><li><strong>&nbsp;Save atleast 50% of the bonus amount and invest as per your existing asset allocation.&nbsp;<\/strong><\/li><\/ol>\n\n\n\n<p class=\"has-white-color has-text-color\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>June is finally here, and most of us are either eagerly anticipating or have already received our salary increases and bonuses. The obvious next question is&nbsp; &#8211; \u201cWhat do you do with your bonus and salary hike?\u201d If left to our own devices, there is a high chance that we end up spending most of [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":23709,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[508,506,66,509],"tags":[187,201,108,517,587,289,49],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Got Your Salary Hike And Bonus? 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