Holdings
how I hold and move my money
A monthly snapshot of where my money sits and how it flows: income comes in from a single source, lands in a hub account, and gets placed into term deposits, savings, pension funds, and stocks. Updated every month.
As of Aug 27, 2026
Net worth •••
Savings rate 71%
Idle cash 12.4%
Money flow
monthly flow
placement
Source 
Clerk.com
Clerk.com Sole income source
•••
Payroll 
Payroll processor
Hub 
8.8%
8.8% •••
Details
- Savings account •••0.1% TEA · immediate
- VISA Oro credit cardline ••• · no balance
Monthly surplus accumulates here (••• )
Holdings 
37.6% 
8.8% 
Caja Cusco 20.1% 
AFP Integra 19.5% 
Hapi 1.3% 
Trii 0.3% 
Yape
37.6% •••
Details
- Term deposit 1 •••5% TEA · due Jul 2027
- Term deposit 2 •••5% TEA · due Jul 2027
- Term deposit 3 •••5.1% TEA · due Jul 2028
- Savings •••3.5% TEA · immediate
8.8% •••
Details
- Term deposit •••5.75% TEA · due Aug 2028
Caja Cusco 20.1% •••
Details
- Term deposit •••4.75% TEA · due Feb 2027
AFP Integra 19.5% •••
Details
- AVSFP — Fund 2 •••variable · withdrawable
- Pension fund •••variable · age 65
Hapi 1.3% •••
Details
- SPY — S&P 500 ETF •••variable · immediate
- USD cash •••variable · immediate
Trii 0.3% •••
Details
- Credicorp (BAP) •••variable · immediate
Cash 3.6%
•••
Details
- Physical cash •••0% TEA · immediate
Yape Payments via debit
Outflows 
SUNAT
SUNAT 8% income tax withholding
•••
Personal expenses
Via Yape and credit card
•••
Summary
Holdings breakdown
| Entity | Instrument | Amount | Rate | Available | % of total |
|---|---|---|---|---|---|
| BCP | Savings account | ••• | 0.1% TEA | Immediate | 8.8% |
| Caja Arequipa | Term deposit 1 | ••• | 5% TEA | due Jul 2027 | 7.8% |
| Caja Arequipa | Term deposit 2 | ••• | 5% TEA | due Jul 2027 | 7.8% |
| Caja Arequipa | Term deposit 3 | ••• | 5.1% TEA | due Jul 2028 | 9.4% |
| Caja Arequipa | Savings | ••• | 3.5% TEA | Immediate | 12.5% |
| Caja Huancayo | Term deposit | ••• | 5.75% TEA | due Aug 2028 | 8.8% |
| Caja Cusco | Term deposit | ••• | 4.75% TEA | due Feb 2027 | 20.1% |
| AFP Integra | AVSFP — Fund 2 | ••• | variable | Withdrawable | 18.0% |
| AFP Integra | Pension fund | ••• | variable | Age 65 | 1.4% |
| Hapi | SPY — S&P 500 ETF | ••• | variable | Immediate | 0.2% |
| Hapi | USD cash | ••• | variable | Immediate | 1.1% |
| Trii | Credicorp (BAP) | ••• | variable | Immediate | 0.3% |
| Cash | Physical cash | ••• | 0% TEA | Immediate | 3.6% |
| Total | ••• | 100% |
Monthly cash flow
| Concept | Monthly | Annual |
|---|---|---|
| Gross income | ••• | ••• |
| SUNAT withholding (8%) | ••• | ••• |
| Personal expenses | ••• | ••• |
| Surplus | ••• | ••• |
| Savings rate | 71% of net income | |
Upcoming maturities
| Matures | Instrument | Amount | Rate |
|---|---|---|---|
| Feb 2027 | Caja Cusco · Term deposit | ••• | 4.75% TEA |
| Jul 2027 | Caja Arequipa · Term deposit 1 | ••• | 5% TEA |
| Jul 2027 | Caja Arequipa · Term deposit 2 | ••• | 5% TEA |
| Jul 2028 | Caja Arequipa · Term deposit 3 | ••• | 5.1% TEA |
| Aug 2028 | Caja Huancayo · Term deposit | ••• | 5.75% TEA |