💰 How I Plan to Spend My Q2 Bonus!
- 2 days ago
- 2 min read
With Q2 ending in just a few days, I already have a rough idea of my bonus based on sales revenue.
The good news?
My Q2 performance is slightly better than Q1
Thanks to a hotter market (Q4 is usually the slowest).
💡 Now I am thinking how to allocate my bonus to my investment
Looking Back at My Investments
- My HK stocks performed the worst.
- My US stocks performed the best.
In the first 6 years, my HK:US ratio was 8:2.
In the past 4 years, I shifted to 4:6.
Result?
- US stocks: +50% 📈
- HK stocks: –30% 📉
(Disclaimer: I’m not CFA chartered — this is just my personal story, not investment advice.)
✏️ Lessons Learned
- Had I invested all in US stocks over the past 10 years, my net worth would likely be more than double.
Why did I lean into HK dividend stocks initially?
- Because I worried about layoffs, restructuring, and was fixated on FIRE.
- Dividends gave me peace of mind. It covers more than 50% of my paycheck.
But friends reminded me:
I could have started with growth stocks, then shifted to dividends later if my job disappeared.
My Plan Going Forward
- Keep HK dividend stocks as a buffer in case of job loss in the next 3–5 years.
- Reinvest dividends into existing HK positions.
- Invest most of my paycheck into US ETFs and growth stocks.
- Invest in my health, skills, and brain 🧠💪 because career competitiveness is rising fast.
Final Thought
- If you’re receiving your bonus soon, remember:
Save.
Invest.
Because salaries rarely keep up with inflation, and roles are more competitive than ever.
Your bonus isn’t just extra cash, it’s fuel for your future. 🚀
📌 PS: If you’re job hunting today, feel free to check out my guides on:
📊 Interview Preparation for Success
Comments