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 21, 2026

Savings rate 71%
Idle cash 28.0%

Money flow

monthly flow placement
Source
Clerk.com

Sole income source

Payroll
Rippling

Payroll processor

Hub
BCP 7.0%
Details
  • Savings account
    0.1% TEA · immediate
  • VISA Oro credit card
    line · no balance

Monthly surplus accumulates here

Holdings
Caja Arequipa 40.1%
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
Caja Huancayo 9.4%
Details
  • Term deposit
    5.75% TEA · due Aug 2028
AFP Integra 20.8%
Details
  • AVSFP — Fund 2
    variable · withdrawable
  • Pension fund
    variable · age 65
Hapi 1.4%
Details
  • SPY — S&P 500 ETF
    variable · immediate
  • USD cash
    variable · immediate
Trii 0.3%
Details
  • Credicorp (BAP)
    variable · immediate
Cash 21.1%
Details
  • Physical cash
    0% TEA · immediate
Yape

Payments via debit

Outflows
SUNAT

8% income tax withholding

Personal expenses

Via Yape and credit card

Summary

Holdings breakdown

Entity Instrument Rate Available % of total
BCP Savings account 0.1% TEA Immediate 7.0%
Caja Arequipa Term deposit 1 5% TEA due Jul 2027 8.4%
Caja Arequipa Term deposit 2 5% TEA due Jul 2027 8.4%
Caja Arequipa Term deposit 3 5.1% TEA due Jul 2028 10.0%
Caja Arequipa Savings 3.5% TEA Immediate 13.4%
Caja Huancayo Term deposit 5.75% TEA due Aug 2028 9.4%
AFP Integra AVSFP — Fund 2 variable Withdrawable 19.2%
AFP Integra Pension fund variable Age 65 1.5%
Hapi SPY — S&P 500 ETF variable Immediate 0.2%
Hapi USD cash variable Immediate 1.2%
Trii Credicorp (BAP) variable Immediate 0.3%
Cash Physical cash 0% TEA Immediate 21.1%
Total 100%