Savings
Your emergency fund
How much to keep and where.
Read guide
Aim to cover 3 to 6 months of fixed expenses. Keep it in a liquid, low-risk instrument, separate from your everyday account, and use it only for real emergencies.
Practical guides, a jargon-free glossary and the questions we get asked most.
How much to keep and where.
Aim to cover 3 to 6 months of fixed expenses. Keep it in a liquid, low-risk instrument, separate from your everyday account, and use it only for real emergencies.
A simple way to split your income.
50% for needs (housing, food, transport), 30% for wants and 20% for savings and debt payments. It's a starting point: adjust it to your reality, but keep the habit of saving first.
What to expect from each.
Fixed income (time deposits, bonds) offers more predictable payments. Variable income (stocks, some funds) can return more over the long term, but with more volatility. Combining both according to your horizon lowers total risk.
Don't let the minimum payment cost you.
Pay the full statement when you can: the minimum payment generates interest on the balance. Know your closing date, don't use the card for fixed expenses you can't cover and always check the effective rate.
Align credit with the production cycle.
Choose terms and due dates that match the harvest or cattle sales, consider climate and price risk, and evaluate crop insurance before committing the season's cash flow.
The sooner you start, the less you need to put in.
Estimate the income you'll need, check what your pension covers and calculate the gap. Compound interest makes contributing early far more powerful than contributing more later.
Just your goals and a general idea of your income, expenses and debts. If we move forward, we'll ask for the specific documents.
We advise you and support you through the process with institutions in the financial system. Final terms are set by each institution based on its assessment.
Yes. Plans, simulations and investments are analyzed in the currency that matches your income and goals.
Before we start, we send you the scope of work and fees in writing, with no hidden costs.
Yes. Your information is handled discreetly and used only for the service you hired.
Yes. In addition to in-person meetings in Asunción, we work by video call with clients across the country.
Tell us your goals and we'll build a plan together, with clear numbers. Write to hola@dreamonfinance.com.