Скачать или смотреть 花红规划三步骤：必做、可做、犒赏 3 steps to make the most of your bonus

00:00 开场
00:39 花红应该拿来还债？还是犒赏自己？
12:51 投资小白也能善用花红让钱滚钱
17:20 把多余花红投入SRS赚取较高利息
20:30 自雇人士应发花红给自己

年底花红不是横财，而是你一年辛苦换来的成果。有人用这笔钱补强财务、为未来铺路；也有人一时冲动，把花红全用来犒赏自己，却在不知不觉中影响了来年的财务规划。到底要怎么分配，才能既享受当下又为未来打好基础？

这一期的联合早报播客《理财万事通》，主持人詹靖禾与张康祺邀请星融财务规划公司执行总裁谢诏全，一起拆解“花红理财三步骤”，教你把花红变成让财务更稳、生活更好的助力。

Year-end bonuses may feel like a windfall, but they are really the payoff for a year of effort and discipline. The question is: what will you do with this hard-earned lump sum?

Some people use it to strengthen their financial foundations and move closer to their long-term goals. Others burn through it on impulse, unintentionally borrowing from their own future for short-term pleasure.

In this episode of Lianhe Zaobao's podcast Finance Talk, hosts Andrew Zhan and Chong Hong Khei sit down with SingCapital CEO Alfred Chia to unpack a simple, practical game plan: the “3-Step Bonus Planning Strategy.”

#zaobaosg #financetips #bonus #financialplanning #investment
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