Investing with goals

Put your extra income to work

Aim to accelerate your investment goals without missing out on rewards.

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Seeing an increase in your income?

Whether from career advancement, a windfall, or other sources, this could be an opportunity to progress toward your investment goals. If you want to know how to make part of this extra money potentially work for your future, we have a few tips to support you.

Where does your extra income fit in your finances?

Before making any major decisions, take a moment to evaluate how this additional income fits into your overall financial picture:

  • Calculate the after-tax amount you'll receive.
  • Review your current financial situation.
  • Identify areas where an influx of cash could make a big difference.

The goal is to try to prepare and plan in order to make an informed decision about the allocation of funds.

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Which existing goals will you prioritise?

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Your new windfall can fast track progress towards your investment goals. Take a moment to review them, it’s worth considering:

  • Are some goals behind schedule while others are ahead?

  • Could accelerating a long-term goal significantly improve your financial future?

  • Which long-term goals could benefit from additional contributions?

Unsure how to rank competing goals? Find practical prioritisation tips in our guide.

But, what about rewarding yourself now?

Whether you decide to invest most of the lump sum or reward yourself now, make sure your decision aligns with your overall financial journey. Think about what would bring you genuine satisfaction - both in the present and the future.

Find your own ratio towards investments and short term enjoyment.

Should you get support from a financial advisor?

If you feel that your current situation is complex and requires personalised support, don't hesitate to seek the assistance of a financial adviser. They can help you in a number of ways, such as:

client and financial advisor in meeting

  • Providing guidance on investment solutions.
  • Ensuring your allocation aligns with your overall financial plan.
  • Optimising tax implications.

A professional and external perspective can help you make the most of this opportunity.

Tips to remember

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Calculate after tax bonus

Understand how much of your bonus you'll have available to work with after taxes.
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Re-evaluate goals

Identify which of your investment goals could benefit most from this influx of money.
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Find the balance between goals

Reward yourself to celebrate your achievement while still investing in your future.
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Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 20 January 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.

Date of first use: 20 January 2025

Doc ID: 4020746

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