ACB's solution for managing Tet bonuses.

(Dan Tri Newspaper) - Unlike monthly income, bonuses are often linked to emotions and expectations, and can strongly impact spending habits if not managed systematically.

Tet bonus: The easiest money to spend all year.

Unlike monthly income, Tet bonuses are often associated with a "self-reward" mentality – shopping, gifting, traveling , and upgrading experiences for the family. In reality, bonuses are often spent faster than expected, and after Tet, many people begin to regret it: "I should have saved some of it to invest."

When receiving bonuses, consumers often have two needs simultaneously: either significantly increase spending on shopping, gifts, travel, and dining, or save some money for post-Tet plans, while others choose to invest it for short-term returns.

The problem is that if all the bonus money is kept in a checking account for convenient spending, the unused portion will not generate added value. Conversely, if the entire cash flow is locked into long-term savings accounts, users will lose the necessary flexibility during peak seasons like Tet (Lunar New Year).

Financial management solutions fromACB (Photo: ACB).

Below are solutions from ACB for flexible cash flow allocation, meeting both holiday shopping needs and optimizing short-term idle funds.

Certificates of deposit: A solution for keeping your money safe and earning interest while still being able to plan.

ACB's Certificate of Deposit solution (Photo: ACB).

According to an ACB representative, many customers are choosing certificates of deposit with daily returns of up to 6.7% per year as a way to "anchor" their bonus funds after separating their Tet holiday spending.

Unlike checking accounts, certificates of deposit help create financial discipline for money not needed immediately, offering higher returns than demand deposits, making them suitable for those with clear financial plans for after the Lunar New Year.

The advantage of ACB Certificates of Deposit lies in their flexibility; customers can sell them before maturity and still earn interest for the actual holding period. The entire process of buying, managing, and withdrawing money is done 100% online through the ACB ONE application, allowing for proactive control of cash flow without wasting time on paperwork.

Mr. Nguyen Van Minh, head of sales and marketing in Ho Chi Minh City, shared: “After receiving my Tet bonus, I usually have one to two hundred million dong that I don't need to use yet. Instead of depositing it in an online savings account as before, investing in ACB's certificates of deposit is both flexible and still offers high returns. This method helps me be proactive in my family's plans.”

According to ACB, separating a portion of the bonus money to invest in certificates of deposit helps customers feel secure about their capital while avoiding the urge to "withdraw for additional spending" during peak shopping seasons.

ACB Visa Signature Card: Optimize your shopping without interrupting your savings plan.

Shopping with an ACB Visa Signature Card (Photo: ACB).

While keeping money to itself for future returns, flexible spending during the Lunar New Year holiday is still necessary. Instead of directly using cash from bonuses, many people choose credit cards to manage their finances more effectively.

According to ACB, spending via card helps to clearly separate investment/savings from spending, better control the Tet holiday shopping budget, and take advantage of promotions, cashback, and reward points during the peak consumption season.

During the year-end shopping season, ACB credit card holders receive a 5% discount at Tam Son stores on many high-end fashion brands such as Tory Burch, BOSS, HUGO, Marc Jacobs, and Longchamp, aligning with the trend of selecting items with lasting value.

For technology-related needs, customers who spend 5 million VND or more at CellphoneS receive a 3% discount (maximum 1 million VND) and 0% interest installment payments for 3, 6, 9, and 12 months. Beyond shopping, spending on experiences is also optimized, with discounts at over 60 golf courses, a 500,000 VND discount on airline tickets, and 100% refund on internet usage fees on Vietnam Airlines flights.

In daily life, familiar benefits such as free drink size upgrades at Starbucks, discounted airport transfers with Grab, or complimentary combo packages when purchasing movie tickets at CGV using an ACB Visa card help make even small expenses seem more worthwhile. Additionally, cardholders receive an immediate 30% discount when spending at AEON Mall using an ACB JCB card.

This approach allows customers to both plan their spending and avoid withdrawing money from their earning accounts, thereby maintaining the effective use of their bonuses throughout the Tet holiday.

In addition to Tet holiday spending incentives, customers also have the chance to win gold and tens of thousands of valuable vouchers through the "Ma Dao Phat Tai" program.

Interested customers can apply for an ACB credit card or certificate of deposit to receive Tet holiday promotions. Customers can find detailed promotion information here.

Source: https://dantri.com.vn/kinh-doanh/giai-phap-quan-ly-tien-thuong-tet-tu-acb-20260211085717031.htm