The July bonus, also known as the Fiestas Patrias bonus, is an economic benefit that public and private companies are required to give to their employees every year. This additional income represents an excellent opportunity to improve your financial situation, and if used wisely, it can help you build a more solid economic future.

In this article, we’ll show you how to invest your bonus in the U.S. stock market using Hapi, an investment app for stocks that is both safe and easy to use.

What is the July Bonus?

The July bonus is an additional payment made in commemoration of Peru's independence, celebrated on July 28. This benefit does not include deductions for AFP, ONP, or income tax, meaning workers receive the full amount. It’s the perfect opportunity to make a smart investment and grow your money.

Who is Entitled to the July Bonus?

According to Law No. 27735, workers entitled to the July bonus must meet the following requirements:

• Type of Employment Regime: Workers under private, agrarian, and public entities subject to private employment law.
• Work Time: They must have worked at least one month during the semester. If a worker resigns before the payment, they are entitled to a proportional bonus for the months worked.

How is the July Bonus Calculated?

The calculation of the bonus is based on the employee's gross income and type of health insurance. Here’s the formula:

EsSalud: Bonus = ((Gross monthly salary / 6) * (1 + 9%))

EPS: Bonus = ((Gross monthly salary / 6) * (1 + 6.75%))

For example, if your monthly salary is S/ 3,000, the base bonus will be S/ 3,000. Adding the extraordinary 9% bonus, the total would be S/ 3,270.

Why Invest Your Bonus?

Investing your bonus in the U.S. stock market allows you to take advantage of the growth of the world's largest financial market. Here’s why it's a smart option:

Leverage Compound Interest

Investing allows you to benefit from the power of compound interest. This means that your gains generate more gains over time. By investing your bonus in stocks and ETFs, you can see your money grow exponentially without having to dedicate much time or effort.

Diversification with ETFs

ETFs (Exchange-Traded Funds) are an excellent way to diversify your portfolio. Investing in ETFs like VOO (S&P 500) or VTI (total U.S. stock market) allows you to have exposure to a wide range of companies with just one investment. This reduces risk and increases growth opportunities.

Invest in Fractional Shares

On Hapi, you can start investing in stocks with little money thanks to fractional shares. This means you don’t need to buy a full share to get started. You can become a shareholder in large companies like Apple, Amazon, or Google with whatever budget you have.

It's Easy and Safe

Download the Hapi investment app and open your account. Hapi is a user-friendly trading platform that lets you invest in stocks and ETFs with no minimums and no transaction fees.

Conclusion

Investing your bonus in the U.S. stock market is one of the best decisions you can make for your financial future. With Hapi, you can start investing in stocks and ETFs with little money, providing you with a safe and accessible platform to grow your money. Don’t let your bonus get lost in unnecessary expenses. Discover why over half a million investors already trust us and start building your financial future today!