The lights are up, the sweets are ready—and so is your festival bonus!
Whether you received it for Diwali, Dussehra, Eid, Onam, or even a year-end performance reward, the big question now is:
Should you spend it all, save it safely, or invest it smartly?
Let’s break down your options and help you make the most of your festive earnings—with Vizzve Finance, your trusted money partner.
💸 Option 1: Spend (But Spend Smart)
We get it—festivals are about joy, gifts, and celebration. If you’re planning to spend a portion of your bonus, here’s how to do it wisely:
✅ Use the 50-30-20 Festival Formula:
50% for celebrations and essentials (shopping, travel, home needs)
30% into a short-term emergency fund
20% into SIPs or investment tools
✅ Shop with Purpose:
Use Vizzve’s Budget Tracker to set a festive limit. Avoid impulse purchases that blow up your credit card bills.
🏦 Option 2: Save for a Rainy Day
Planning for uncertain times? A bonus is a great opportunity to:
Top-up your emergency fund
Start a vacation goal fund
Build your home loan down payment
Use Vizzve’s Smart Saver tool to calculate how much you need for each goal and where to park it—FDs, RD, or high-interest savings accounts.
📈 Option 3: SIP It and Let It Grow
This is where the magic of wealth-building begins.
🔁 Start or Top-Up a SIP:
Even ₹2,000/month in a diversified mutual fund can grow into ₹5+ lakhs in 10 years.
💡 Lump-Sum Bonus Investment?
Use Vizzve’s SIP+ Strategy to split your bonus into:
60% lump-sum MF or ELSS
40% as monthly SIPs for rupee cost averaging
📊 Example:
If you got ₹30,000 as bonus:
Spend ₹10,000 🎁
Save ₹6,000 🏦
Invest ₹14,000 in SIP/ELSS 📈
That’s celebration + safety + compounding growth!
🔐 Bonus Tip: Use Vizzve’s Tax Planner
Want to reduce your tax on that bonus?
Vizzve’s tool shows you:
How much to invest in ELSS for ₹1.5L Sec 80C limit
How to avoid TDS shocks at year-end
Whether to choose old vs. new tax regime based on your bonus
💬 FAQs
Q1: Should I use my bonus to pay off debt?
Yes, if it’s high-interest (like credit cards or personal loans).
Use Vizzve’s Debt Repayment Optimizer to prioritize what to close first.
Q2: Where should I park my bonus if I need it in 6 months?
Use liquid mutual funds or ultra-short-term debt funds—Vizzve recommends the best options.
Q3: Can I split my bonus into multiple financial goals?
Absolutely. Vizzve helps you allocate your bonus based on personalized goals—travel, home, health, or retirement.
🧭 Final Word from Vizzve
Your bonus isn't just extra cash—
It’s an opportunity to start new habits, reduce stress, and grow wealth.
Spend smart. Save mindfully. SIP confidently.
With Vizzve Finance, your bonus works harder than you do.
Published on : 18th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.