Overview
- A combined cash influx is building from November CTS deposits, the December gratificación deadline, and authorized AFP/CTS withdrawals that remain available through December 2026.
- A Bumeran survey reports 31% of recipients plan to use the bonus for debt, 22% for saving, and 15% for investment or personal development.
- Financial advisors recommend directing roughly 40% to high‑interest debts, building an emergency fund toward three months of expenses, and placing about 20% in low‑risk savings or conservative investments.
- Analysts warn of an “expected income” effect that spurs pre‑spending, urging strict budgets to handle seasonal costs in December and bills concentrated in early 2026.
- Legal guidance highlights six full months on payroll to receive the full amount, calculation based on Nov. 30 pay with a 9% Essalud bonus, Remype microenterprises exempt from payment, Sunafil able to fine late payers, and lower CTS yields since withdrawal authorizations prompting more flexible savings options.