Bonus investment

Acorns is an investment service that invests your spare change automatically from everyday purchases into a diversified portfolio, plus you can get a $5 free credit just for creating a new account, and you’ll earn an additional $5 bonus for each new acorns investor that you refer.

Top-3 forex bonuses

Investment Offers and Brokerage Bonuses, bonus investment.

Earn bonus cash and free investing portfolio management:

Investment offers and brokerage bonuses

Check out these investment promotions and brokerage bonuses that offer cash incentives, free stock rewards, investing credits, free portfolio management, cryptocurrency bonuses, commission-free trades, and more sign-up offers when you open new brokerage, retirement, investing, and trading accounts.

Stock trading bonuses

Earn free stock awards with these trading services:

Dough - $2-$200 free stock.

Firstrade - $3-$200 free stock.

Moomoo - up to $1,000 free stock.

Passfolio - $5-$100 free stock.

Public - $10 free stock.

Robinhood - $10 free stock.

Sofi invest - $50 bonus.

Tradeup - $2.50-$1,000 free stock.

Webull - $21-$3,700 free stock.

Managed investment bonuses

Earn bonus cash and free investing portfolio management:

Acorns - $5 bonus.

Betterment - 12 months free.

Round - $20/$100 bonus.

Wealthsimple - $10,000 managed free.

Investing portfolio rewards

Earn bonus cash in your personalized portfolios:

M1 finance - $30 bonus.

Nvstr - $10+ bonus.

Stash invest - $20 bonus.

Brokerage account bonuses

Earn bonus cash with new brokerage accounts:

Ally invest - $50-$3,500 bonus.

Charles schwab - $100 bonus.

Etrade - $100-$3,000 bonus.

Fidelity - 500 free trades.

Merrill edge - $600 bonus.

Cryptocurrency investing offers

Earn bonus rewards for investing in cryptocurrencies:

Constant - $8+ bonus.

Etoro - $50 bonus.

Sofi crypto - $25 bonus.

Voyager - $25 bitcoin.

Real estate investment deals

Get cash rewards with real estate investing services:

Groundfloor - $10 bonus.

Landa - $10 bonus.

Lendinghome - $500 bonus.

Roofstock - $500 credit.

Alternative investing promotions

Earn cash bonuses for trying alternative investments:

Iban wallet - $25 bonus.

Linus - $20 bonus.

Nextseed - $20 bonus.

Worthy bonds - $10 free bond.

Recent investment offers

Review more investing bonuses and brokerage deals below:

M1 finance free investing platform $30 bonus credit and $30 referrals – get $30 to fund account with $100 for 30 days

Make investing your money simple using M1 finance with no commissions ever and no fees, plus get a $30 bonus credit when you invest a minimum of $100 into your new brokerage account.

Limited-time promotions: participate in “M1 referrals give $30, get $30” to earn a $30 bonus for both parties through february 28, 2021. On top of that, all members earn up to $3,500 when you transfer your investments to M1 from another brokerage, starting at a $40 bonus for a $10,000+ transfer. [read more] M1 finance free investing platform $30 bonus credit and $30 referrals – get $30 to fund account with $100 for 30 days

Firstrade – get free stocks with refer-A-friend bonus

Firstrade now offers a free stock valued $3 to $200 upon account approval, plus you can earn up to $500 in free stocks for referring friends and family.

Through january 31, 2021, get 3 free stocks from firstrade and enter to win an iphone 12. Get 1 free stock to open an account between 1/16/2021-1/31/2021, get 2 additional free stocks to deposit or transfer $100 or more within 30 days of account approval, and get a chance to win an iphone 12 when you deposit early by 1/31/2021. [read more] firstrade – get free stocks with refer-A-friend bonus

Etoro – trade cryptocurrencies: get $50 referral bonus with $100 trade + limited-time $500 promotion

Etoro cryptocurrency trading is offering a $50 cash bonus when you link a bank, make a deposit, and trade $100 in crypto.

Plus, for a limited time, etoro is offering new members a special $500 bonus offer when you trade $5,000 in crypto. [read more] etoro – trade cryptocurrencies: get $50 referral bonus with $100 trade + limited-time $500 promotion

Linus – 4.5% cash deposit account: earn $20 bonus with $100 deposit + $20 referrals

Earn up to a 4.5% APY on your funds when you open a linus alternative cash deposit account (all accounts automatically earn 4% APY), plus get a $20 bonus when you deposit $100, and get unlimited $20 bonuses for sharing linus with your friends. [read more] linus – 4.5% cash deposit account: earn $20 bonus with $100 deposit + $20 referrals

Webull brokerage account app: 4 free stocks referral bonuses

Webull is a free stock trading app that allows you to open a commission-free brokerage account with no minimum balance requirements and no fees to open or maintain an account.

To get 4 free stocks, sign up via this webull free stock link and deposit at least $100 within 30 days.

Updated 1/19/2021 – webull limited-time promotions: from 1/16/2021 – 2/1/2021, new users can get 4 free stocks. In addition, for each of your referrals who makes an initial deposit of $100 or more between 1/16/2021 – 2/1/2021, you will be able to claim 2 free stocks. [read more] webull brokerage account app: 4 free stocks referral bonuses

Voyager no-fee cryptocurrency brokerage $25 free bitcoin credit

Try voyager’s commission-free cryptocurrency brokerage to trade crypto assets across multiple exchanges with USD, plus get $25 in free BTC when you trade a minimum of $100, and earn $25 more BTC for each qualified referral. [read more] voyager no-fee cryptocurrency brokerage $25 free bitcoin credit

If you want to earn some free stocks for your investing portfolio, check out these brokerage account offers that give new users free shares of stock. [read more] free stock sign-up bonuses: get free stocks with new brokerage accounts

Acorns – spare change investment app: $5 referral bonuses + $150 september promo

Refer 3 friends for $150 in september 2020: acorns will give you $150 in bonus cash when you invite 3 friends to acorns who sign up and make their first investment between 9/1/2020 and 9/30/2020. [read more] acorns – spare change investment app: $5 referral bonuses + $150 september promo

Constant – secured P2P investment platform: $8 bonus + $15 referrals

Check out constant to automatically earn a 4% APY on all of your deposits, plus get a $6.67 bonus just for joining and verifying your ID, which can be withdrawn after 30 days with no obligation to invest further. [read more] constant – secured P2P investment platform: $8 bonus + $15 referrals

Bonus

What is a bonus?

A bonus is a financial compensation that is above and beyond the normal payment expectations of its recipient. Companies may award bonuses to both entry-level employees and to senior-level executives. While bonuses are traditionally given to exceptional workers, employers sometimes dole out bonuses company-wide to stave off jealousy among staffers.

Bonuses may be dangled as incentives to prospective employees and they can be given to current employees to reward performance and increase employee retention. Companies can distribute bonuses to its existing shareholders through a bonus issue, which is an offer of free additional shares of the company's stock.

Key takeaways

A bonus is a financial compensation that is above and beyond the normal payment expectations of its recipient.

Bonuses may be awarded by a company as an incentive or to reward good performance.

Typical incentive bonuses a company can give employees include signing, referral, and retention bonuses.

Companies have various ways they can award employee bonuses, including cash, stock, and stock options.

Understanding bonuses

In workplace settings, a bonus is a type of compensation an employer gives to an employee that complements their base pay or salary. A company may use bonuses to reward achievements, to show gratitude to employees who meet longevity milestones, or to entice not-yet employees to join a company's ranks.

The internal revenue service (IRS) considers bonuses as taxable income, which means employees will need to report any bonuses they receive when filing their taxes.

Incentive bonuses

Incentive bonuses include signing bonuses, referral bonuses, and retention bonuses. A signing bonus is a monetary offer that companies extend to top-talent candidates to entice them to accept a position—especially if they are being aggressively pursued by rival firms. In theory, paying an initial bonus payment will result in greater company profits down the line. Signing bonuses are routinely offered by professional sports teams attempting to lure top-tier athletes away from competitive clubs.

Referral bonuses are presented to employees who recommend candidates for open positions, which ultimately leads to the hiring of said candidates. Referral bonuses incentivize employees to refer prospects with strong work ethics, sharp skills, and positive attitudes.

Companies offer retention bonuses to key employees, in an effort to encourage loyalty, especially in downward economies or periods of organizational changes. This financial incentive is an expression of gratitude that lets employees know their jobs are secure over the long haul.

Performance bonuses

Performance bonuses reward employees for exceptional work. They are customarily offered after the completion of projects or at the end of fiscal quarters or years. Performance bonuses may be doled out to individuals, teams, departments, or to the company-wide staff. A reward bonus may be either a one-time offer or a periodic payment. While reward bonuses are usually given in cash, they sometimes take the form of stock compensation, gift cards, time off, holiday turkeys, or simple verbal expressions of appreciation.

Examples of reward bonuses include annual bonuses, spot bonus awards, and milestone bonuses. Spot bonuses, which reward employees who deserve special recognition, are micro-bonus payments, typically valued at around $50. Workers who reach longevity milestones—for example, 10 years of employment with a given firm—may be recognized with additional compensation.

Some businesses build bonus structures into employee contracts, where any profits earned during a fiscal year will be shared amongst the employees. In most cases, C-suite executives are awarded larger bonuses than lower-level employees.

Bonus inflation

While bonuses are traditionally issued to high-performing, profit-generating employees, some companies opt to issue bonuses to lower-performing employees as well, even though businesses that do this tend to grow more slowly and generate less money. Some businesses resort to distributing across-the-board bonuses in an effort to quell jealousies and employee backlash. After all, it's easier for management to pay bonuses to everyone than to explain to inadequate performers why they were denied.

Furthermore, it can be difficult for an employer to accurately assess their employees' performance success. For example, employees who fail to make their activity quotas may be very hard workers. However, their performance may be hampered by any number of conditions out of their control, such as unavoidable production delays or an economic downturn.

Bonuses in lieu of pay

Companies are increasingly replacing raises with bonuses—a trend that vexes many employees. While employers can keep wage increases low by pledging to fill pay gaps with bonuses, they are under no obligation to follow through. Because employers pay bonuses on a discretionary basis, they may keep their fixed costs low by withholding bonuses during slow years or recessionary periods. This approach is much more viable than increasing salaries annually, only to cut wages during a recession.

Dividends and bonus shares

In addition to employees, shareholders may receive bonuses in the shape of dividends, which are carved from the profits realized by the company. In lieu of cash dividends, a company can issue bonus shares to investors. If the company is short on cash, the bonus shares of company stock provide a way for it to reward shareholders who expect a regular income from owning the company's stock. The shareholders may then sell the bonus shares to meet their cash needs or they can opt to hold onto the shares.

Bonus issue

What is a bonus issue?

A bonus issue, also known as a scrip issue or a capitalization issue, is an offer of free additional shares to existing shareholders. A company may decide to distribute further shares as an alternative to increasing the dividend payout. For example, a company may give one bonus share for every five shares held.

Key takeaways

A bonus issue of shares is stock issued by a company in lieu of cash dividends. Shareholders can sell the shares to meet their liquidity needs.

Bonus shares increase a company's share capital but not its net assets.

Understanding bonus issues

Bonus issues are given to shareholders when companies are short of cash and shareholders expect a regular income. Shareholders may sell the bonus shares and meet their liquidity needs. Bonus shares may also be issued to restructure company reserves. Issuing bonus shares does not involve cash flow. It increases the company’s share capital but not its net assets.

Bonus shares are issued according to each shareholder’s stake in the company. Bonus issues do not dilute shareholders’ equity, because they are issued to existing shareholders in a constant ratio that keeps the relative equity of each shareholder the same as before the issue. For example, a three-for-two bonus issue entitles each shareholder three shares for every two they hold before the issue. A shareholder with 1,000 shares receives 1,500 bonus shares (1000 x 3 / 2 = 1500).

Bonus shares themselves are not taxable. But the stockholder may have to pay capital gains tax if she sells them at a net gain.

For internal accounting, a bonus issue is simply reclassification of reserves, with no net change in total equity, although its composition is changed. A bonus issue is an increase in the share capital of the company along with a decrease in other reserves.

Advantages and disadvantages of issuing bonus shares

Companies low on cash may issue bonus shares rather than cash dividends as a method of providing income to shareholders. Because issuing bonus shares increases the issued share capital of the company, the company is perceived as being bigger than it really is, making it more attractive to investors. In addition, increasing the number of outstanding shares decreases the stock price, making the stock more affordable for retail investors.

However, issuing bonus shares takes more money from the cash reserve than issuing dividends does. Also, because issuing bonus shares does not generate cash for the company, it could result in a decline in the dividends per share in the future, which shareholders may not view favorably. In addition, shareholders selling bonus shares to meet liquidity needs lowers shareholders' percentage stake in the company, giving them less control over how the company is managed.

Stock splits and bonus shares

Stock splits and bonus shares have many similarities and differences. When a company declares a stock split, the number of shares increases, but the investment value remains the same. Companies typically declare a stock split as a method of infusing additional liquidity into shares, increasing the number of shares trading and making shares more affordable to retail investors.

When a stock is split, there is no increase or decrease in the company's cash reserves. In contrast, when a company issues bonus shares, the shares are paid for out of the cash reserves, and the reserves deplete.

Best brokerage account bonuses in january 2021

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Brokerages are aggressively competing for your money. One way they do so is by offering competitive bonuses that you can add right to your brokerage account. It’s important to know the best offers so that you can decide whether it’s a good time to open a brokerage account and take advantage of what is often risk-free cash.

Here bankrate tracks the best brokerage account bonuses to help you compare active offers.

Best brokerage account bonuses in january 2021

Ally invest: $50 to $3,500

Merrill edge: $150 to $900

Charles schwab: $100 to $500 (personally referred friend offer)

E-trade: $50 to $2,500

Ally invest: $50, $200, $300, $600, $1,200, $2,500 or $3,500 bonus

New ally invest clients can earn up to a $3,500 cash bonus if they open a new account by march 31, 2021. The qualifying deposit must contain funds from outside of ally financial, and a person can only get the offer on one new ally invest securities LLC account. As an extra incentive, ally will credit your transfer fees from another brokerage, up to $150 as long as you bring at least $2,500 over to the new account.

Ally invest checks your deposit 60 days after your account is opened to determine the total qualifying deposit. You’ll receive your cash bonus within 10 business days after this review.

To receive a cash bonus, you must:

Deposit at least $10,000 in a new ally invest account.

Be a U.S. Resident.

Not be an existing ally invest account holder or a former ally invest account holder (which includes former tradeking securities LLC account holders). You’re not eligible to receive the cash bonus if you closed one of these ally invest accounts within the past 90 days.

You must use the “open account” button associated with this offer on ally invest’s site for opening your account to be eligible for this offer.

Here are the bonus tiers for this offer:

To receive the $50 bonus, deposit or transfer $10,000-$24,999.

To receive the $200 bonus, deposit or transfer $25,000-$99,999.

To receive the $300 bonus, deposit or transfer $100,000-$249.999.

To receive the $600 bonus, deposit or transfer $250,000-$499,999.

To receive the $1,200 bonus, deposit or transfer $500,000-$999,999.

To receive the $2,500 bonus, deposit or transfer $1 million -$1,999,999.

To receive the $3,500 bonus, deposit or transfer $2 million or more.

Once you receive your bonus, both the cash bonus and your qualifying deposit (minus any trading losses that are incurred) can’t be withdrawn for 300 days. A withdrawal may cause ally invest to revoke your bonus.

Read bankrate’s ally invest review to learn more.

Merrill edge: $150, $225, $375 or $900 bonus

When you open a merrill edge IRA or cash management account and make a qualifying deposit within 45 days of opening you can earn up to a $900 bonus. You need to use offer code 900ME during the account opening. This can be done while applying online or using it when speaking to a merrill edge financial adviser on the phone or at select bank of america branches. This offer expires april 15, 2021.

To receive a cash reward, you must:

Enroll for the offer at the time of account opening.

Deposit net new assets of at least $20,000 into your merrill edge account within 45 days of opening the account.

You must be enrolled in the preferred rewards program within 90 days of making the deposit.

Maintain that balance for at least 90 days.

The offer limits you to one IRA — rollover, traditional, roth and sole-proprietor SEP only — and one cash management account. Each account holder can’t have more than two enrolled accounts.

Assets from bank of america, merrill lynch, pierce, fenner & smith incorporated (MLPF&S), U.S. Trust, or 401(k) accounts administered by MLPF&S aren’t qualifying net new assets.

You’ll receive your cash reward two weeks after the initial 90-day period, assuming you meet eligibility requirements.

Business/corporate accounts, investment club accounts, partnership accounts and certain types of fiduciary accounts held at merrill edge aren’t eligible for this offer. The offer also doesn’t apply to accounts, which include iras or cmas, held with other business units of MLPF&S.

Here are the bonus tiers:

To receive the $150 cash reward, deposit $20,000 to $49,999.99.

To receive the $225 cash reward, deposit $50,000 to $99,999.99.

To receive the $375 cash reward, deposit $100,000 to $199,999.99.

To receive the $900 cash reward, deposit $200,000 or more.

Read bankrate’s merrill edge review to learn more.

Charles schwab: $100, $200, $300 or $500 (if you’re referred by a friend)

Schwab is offering personally referred friends the opportunity to earn up to $500 when they use a referral code, given to you by a current schwab customer, and open an eligible account at schwab.

To receive the bonus award, you must:

Receive a referral code from a friend or family member.

Be a new schwab client and make a qualifying net deposit within 45 days of both becoming a schwab customer and opening an eligible retail brokerage account.

You’re limited to one per account and only one account per client when you receive a referral.

Schwab retail brokerage accounts and iras are eligible for this offer. This includes accounts that are enrolled in schwab-sponsored investment advisery programs, such as schwab intelligent portfolios, schwab managed portfolios, schwab managed account select and connection and schwab private client.

You’ll receive your bonus approximately a week or two after the 45-day period ends if you made a qualifying deposit when becoming a new schwab customer and enrolling in the referral offer.

Schwab may charge back its bonus award if taxable accounts aren’t kept at schwab for at least one year.

Here are the bonus tiers for this offer:

To receive a $100 bonus, deposit $1,000-$24,999.

To receive a $200 bonus, deposit $25,000-$49,999.

To receive a $300 bonus, deposit $50,000-$99,999.

To receive a $500 bonus, deposit $100,000 or more.

Read bankrate’s charles schwab review to learn more.

E-trade: $50, $100, $150, $200, $300, $600, $1,200 or $2,500 bonus

You can earn a cash bonus if you open a retirement or brokerage account and fund it with $5,000 or more within 60 days of account opening. Your account must be opened by jan. 31, 2021.

To receive a cash bonus, you must:

Use promo code WINTER21 when opening the account.

Open your new account with funds or securities from accounts outside of E-trade. You need to also keep the new account (minus any trading losses) for at least 12 months to keep the cash bonus.

Here are the cash bonus tiers for this offer:

To receive a $50 bonus, deposit or transfer $5,000-$9,999.

To receive a $100 bonus, deposit or transfer $10,000-$19,999.

To receive a $150 bonus, deposit or transfer $20,000-$24,999.

To receive a $200 bonus, deposit or transfer $25,000-$99,999.

To receive a $300 bonus, deposit or transfer $100,000-$249,999.

To receive a $600 bonus, deposit or transfer $250,000-$499,999.

To receive a $1,200 bonus, deposit or transfer $500,000-$999,999.

To receive a $2,500 bonus, deposit or transfer $1 million or more.

Read bankrate’s E-trade review to learn more.

The startengine owner’s bonus

Get access to four unique perks on the startengine platform with your owner’s bonus. For the price of $275 per year, you can earn 10% more on your investments in bonus-eligible offerings, learn about new launches, get priority on the waitlist, and get a 20% discount on transaction fees when selling shares on startengine secondary.

Reasons to buy

Perk 01

Bonus
shares

Earn 10% more on your investments in participating campaigns.

Learn more →

Perk 02

Launch notifications

Be the first to hear about new bonus eligible launches when they go live on startengine.

Learn more →

Perk 03

Priority waitlist

Get priority on the waitlist when campaigns exceed their maximum raise amounts.

Learn more →

Perk 04

Lowered fees

Get 20% off the 5% transaction fee when selling shares on startengine secondary.

Learn more →

Owner's bonus

What is the startengine owner’s bonus?

The owner’s bonus costs $275 annually and will auto renew every year. You can cancel your renewal at any time. Once you cancel, your bonus will expire at the end of that year’s period.

With the owner’s bonus, you will earn 10% bonus shares on all investments you make in participating campaigns on startengine for one year.

Email notifications

Learn about new launches

Users with the owner’s bonus are notified every time a new participating campaign goes live.

Waitlist

Our platform gives investors with the owner’s bonus priority if they are waitlisted on a company that has surpassed its maximum funding goal. This means that bonus-eligible investors will have the first opportunity to invest should room in the offering become available, in the event of canceled or failed investments.

Note: this perk only applies to companies participating in the owner’s bonus program.

Trading

There are no transaction fees on our investor trading platform startengine secondary, but we charge sellers a 5% commission. With the owner’s bonus, you get a 20% discount on that commission and would be charged 4% instead of 5%.

How do I claim bonus shares?

Each participating campaign will display the owner bonus symbol to indicate they are participating in the owner’s bonus below the invest button at the top of their campaign page. The owner’s bonus will also be listed in the perks section of the campaign page.

To earn bonus shares, invest in the companies participating in the program!

Owner's bonus FAQ

The startengine owner’s bonus allows investors to:

Earn a 10% bonus in shares on their investment when investing in participating companies on startengine that are raising capital through regulation crowdfunding or regulation A+.

Receive priority on the waitlist when investing in oversubscribed companies.

Learn about new bonus-eligible launches via email notifications.

You will earn a bonus for any shares you purchase in participating campaigns. For example, if you buy 100 shares at $1 per share in a company, you will receive 10 bonus shares, meaning you’ll hold 110 shares for $100.

Investors with the bonus also have priority if they are on a waitlist to invest in a company that has surpassed its maximum funding goal. They will have the first opportunity (along with other investors with the bonus) to invest should room in the offering become available if prior investments are cancelled or fail.

In addition, startengine owner’s are also notified by email every time a new company participating in the owner’s bonus program goes live.

Companies choose to opt in and participate in this bonus program. Not every offering is eligible for the owner’s bonus.

To identify whether a specific company is participating in the owner’s bonus, look for the owner’s bonus symbol below the invest button at the top of the company’s campaign page. The owner’s bonus will also be listed in the perks section of the campaign as well.

The owner’s bonus is active for one year from the point of purchase. The owner’s bonus will auto renew every year. If you choose to cancel your owner’s bonus, it will expire at the end of that year’s eligibility period.

You buy it! The owner’s bonus costs $275 annually.

Note: prior to october 1st, the owner’s bonus was a perk associated with startengine’s regulation A+ campaigns, and you had to invest $1,000 or more in startengine itself, or make a subsequent investment in startengine if you were already a startengine shareholder.

The owner’s bonus has an annual $275 payment charged at the beginning of your year’s eligibility period. Your bonus will auto renew the following year. We will notify you in advance of that upcoming renewal.

If you choose to cancel at any point, your bonus will expire at the end of that year’s eligibility period.

Alternatively, if you make 2 investments of any amount within the first 15 days of having the owner’s bonus, you will receive 12 additional months of owner’s bonus benefits.

Note: if you earned your owner’s bonus through one of startengine’s regulation A+ offerings, then at the end of your eligibility period, you can renew your bonus by purchasing the bonus through this updated system.

The owner’s bonus previously was a perk associated with startengine’s equity crowdfunding offerings. Now that you can purchase the owner’s bonus as a standalone product, the bonus is not associated with startengine shares and does not come with any shares in startengine.

If you got your owner’s bonus through an investment in startengine, in essence nothing has changed. You still have access to the same perks, and your bonus will expire at the same expiration date as before.

The only change is that if, at the end of your owner’s bonus eligibility period, you decide you would like to renew your bonus, you would simply do so by purchasing the owner’s bonus directly through this page as opposed to making a new investment in startengine.

There is no cancellation policy with the owner’s bonus, and you are not entitled to a full or partial refund after purchase.

The owner’s bonus is set to auto-renew every year. If you would like to opt out of that auto-renewal, you can do so here . Once you opt out, your owner’s bonus will expire at the end of your year’s eligibility period.

Prior to october 1, 2020, the owner’s bonus was a perk associated with startengine’s regulation A+ and regulation crowdfunding offerings. Prior to that date, users had to make an investment of $1,000 or more in startengine (or make a subsequent investment in startengine if they were already a startengine investor) in order to be eligible for the owner’s bonus.

Prior to may 29th, 2019, the owner’s bonus only applied when investing within the first 24 hours of launch for participating reg CF campaigns. Now, investors can earn their 10% bonus when investing at any time over the duration of a participating company’s raise.

Important message

IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING, INCLUDING THE MERITS AND RISKS INVOLVED. INVESTMENTS ON STARTENGINE ARE SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.

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Investment banker salary report: full figures revealed

Let’s face it: many people are drawn to investment banking for the money. That’s why investment banker salary and compensation reports like this are one of the most popular topics on this site.

I used to report every year on the latest investment banking salary trends in order to answer the popular question, “how much does an investment banker earn?”

Luckily, banks ignored me and kept paying out healthy bonuses to everyone.

I’ll explain why I stopped publishing these annual salary reports, but rest assured: this article is about investment banking salary and compensation data, including the actual numbers as of 2019, so let’s get started:

The first rule of investment banker salaries

The “first rule” of investment banker salaries is to discount most of what you read online.

If you do some google searches, you’ll find articles that make statements like the following:

“an investment banking analyst should make $155K, $180K, and $205K in years one, two and three (plus or minus $5-10K depending on how good or bad the bank did).”

These reports aren’t necessarily “wrong,” but they are incomplete because:

They don’t provide a compensation range – and different banks and groups pay different amounts.

End of year bonus amounts can very widely based on the “performance bucket” you’re put into.

Most reports don’t specify whether these amounts include just your base salary plus end-of-year bonus… or also the signing bonus… or also the stub bonus.

How investment banking compensation works

For junior bankers (analysts and associates) in investment banking careers, there are five components to compensation: base salaries, end-of-year bonuses, signing bonuses, stub bonuses, and benefits. Let’s look at each one:

Base salary

$85K

$90K

$95K

$180K as they move up.

End-of-year bonus – this is a percentage of your base salary, and it’s based on your ranking “bucket,” overall deal flow, and how much other banks are planning to pay. Some banks pay this bonus to analysts at the calendar-year end and offer a “stub bonus” after the first 5-6 months, while others pay this bonus in the summer after an entire year of work has ended. Full-year bonuses for analysts tend to be between 70% and 100% of base salaries, with numbers at or above 100% for the top performers. Expect higher numbers at elite boutiques and lower numbers at regional boutiques. Top associate bonuses are 100%+ of base salaries.

Stub bonus – new analysts and associates start working in the summer. They used to receive their bonuses one year after that, but many banks started to pay bonuses to everyone at the same time, which created a problem: how much of a bonus do they award to bankers who just started working 5-6 months ago? The answer is “not much” because analyst stub bonuses range between $20K and $30K. Associates earn more than that, but it’s still a low percentage of the year 1 base salary.

Signing bonus – compensation reports often ignore this one, but most banks pay new full-time hires a one-time signing bonus as well. The range for analysts is $5K – $15K, with smaller firms at the low end of the range and elite boutiques at the high end. Associates should receive significantly more (a multiple of these numbers).

Benefits – finally, you receive health insurance, vacation days, and potential participation in the firm’s profit-sharing or 401(k) retirement plans. Many people ignore these points, but receiving solid health insurance from a large company is extremely valuable in the U.S., though it matters less in countries with healthcare systems that actually work (canada, australia, europe, etc.).

Beyond the analyst and associate levels, the stub bonus goes away because everyone works on a calendar-year basis from the start.

Stock and deferred compensation

Base salaries and bonuses increase substantially as you become more senior, but large portions of your bonus will be in stock and deferred compensation – at least if you work at a bulge bracket bank.

The deferred portions often vest over 3-5 years, so don’t count on being able to access that full $1 million bonus anytime soon.

Finally, bonuses for senior investment bankers are much more closely linked to individual performance, though the “formula” is not always straightforward.

For example, if you generate $10 million in fees for the bank, what percentage of it goes to your bonus? It depends on the bank and deal type.

Investment banker salaries by role

Investment banking analyst salaries

Base salaries for 1 st , 2 nd , and 3 rd year analysts at large banks are $85K, $90K, and $95K, with year-end bonuses between 70% and 100% of those numbers (lower percentages in earlier years and higher toward the end).

Average total compensation ranges might be $140K – $160K, $160K – $180K, and $180K – $200K for 1 st , 2 nd , and 3 rd year analysts.

These numbers are pre-tax and exclude the stub bonus and signing bonus; add

$10K if you want to count the signing bonus.

The stub bonus is a negative development because it means you’ll have to wait 1.5 years for the full year 1 bonus, and you may never see your full year 2 bonus.

Associate salaries

Associates earn base salaries of $140K – $180K, progressing up from year 1 through year 4, with bonuses of up to 100%+ of those base salaries.

Total compensation might be in the $250K – $400K range, with a lower number in the first full year ($200K or less) due to the stub bonus.

Vice president to director salaries

Investment banking vice presidents through directors (AKA senior vps) earn base salaries ranging from $200K to $300K, with bonuses worth 120% – 150% of base salaries.

Total compensation ranges from

Managing director salaries

Managing directors earn base salaries of $400K – $600K, with highly variable bonuses that might be almost nothing or millions of dollars.

Average total compensation is in the high-six-figure-to-low-seven-figure range; an MD doing decently at a large firm should earn at least $1 million per year.

Again, cash compensation will be far lower at bulge bracket banks because of the bonus deferral, which is one reason why elite boutiques have been on a recruiting tear.

Salaries in other groups, countries, and cities

Compensation does not vary much between different groups at the analyst level.

Even if your group’s deal flow is poor, you’re not going to earn much less than analysts in other groups because it’s not your responsibility to close deals.

Compensation starts to vary more as you move up, and it’s a bit lower in capital markets groups such as ECM than in industry groups or M&A groups.

London investment banker salary data

After new york, the biggest market for investment banking is london, and arkesden publishes helpful compensation reports there.

Standard base salaries for analysts are £50K, £55K, and £60K for 1 st , 2 nd , and 3 rd year analysts; average bonuses are £30 – £35K, £35 – £40K, and £40 – £50K.

At a 1.40x GBP/USD exchange rate, those numbers equate to lower compensation than in the U.S.: $115K through $150K rather than $140K through $200K.

That’s so much lower that I almost doubt the numbers; is brexit to blame? Or is it the bonus:salary cap? I don’t know.

Associates in london earn base salaries of £80K – £120K, while vps earn base salaries of £140K – £160K.

Total compensation ranges from £120K through £220K for associates and £250K through £350K for vps (also significant discounts to U.S. Pay).

No, I don’t have the specific salary numbers or any sources for canada, continental european countries, australia, hong kong, china, westeros, wakanda, etc., but feel free to contribute if you do.

I’m not going to delve into private equity or hedge fund compensation here because it’s less standardized. Sumzero produces a good report each year.

Why does compensation matter?

It’s always fun to look at compensation figures, see what everyone else is earning, and then calculate your effective hourly rate while binge-drinking (my favorite tipple is laphroaig, but it’s an acquired taste).

But I’m sharing these numbers and explanations to make a few other points as well:

**Point #1: there won’t be much left over fom your base salary early in your career**

An $85K base salary is about $7,000 per month. After taxes in NYC, it’s about $4,900 per month.

You’ll spend at least $2,000 per month on a small apartment, and more likely $2,500+.

So, now you’re down to $2,400 – $2,900 per month.

Then there are student loan payments, meals, transportation, going out occasionally to preserve your sanity, and so on.

Even if you live very frugally, you’re unlikely to save more than $2,000 per month, and you might save as little as $1,000.

Saving $12K to $24K per year is pretty good for a recent graduate, but it won’t make you wealthy anytime soon, and it’s very low compared to your after-tax bonus.

That’s why it’s so important to earn a high year-end bonus, avoid “investing” your entire bonus in bitcoin, and then to keep moving up, go to the buy-side, or start a business if your end goal is to become financially independent.

Point #2: investment banking is not a “get rich quick” scheme – it’s all about the long game

Let’s assume that you need $10 million to feel comfortable with an “early retirement.”

Let’s also be generous and say that you’ll save 40% of your pre-tax earnings each year (deduct 50% for taxes and 10% for other expenses) and that you’ll need 10 years to reach the MD level. You will also earn toward the top-end of the total compensation range each year.

After 10 years, that amounts to about $1.4 million in savings.

If the markets have performed well, and you’ve invested everything you’ve saved, perhaps you’ll have

That’s a good sum of money, but it’s not enough to retire at age 30-35 in new york city.

Once you become an MD, you might be able to earn $1 million per year and save half of it; that’s $5 million after another 10 years.

Yes, maybe you could move up more quickly, earn more than $1 million, or do incredibly well with your investments.

But the basic point remains the same: you’re looking at retirement in your 40s, at least if you want to keep living in an expensive city.

Most people would call that a good outcome, but it’s still far from “get rich quick.”

If you want to get rich more quickly, you have to start a business, become a successful investor, move up rapidly in a buy-side role, or use time travel to join facebook in 2004.

Point #3: if you want to make money more easily, go into tech

As finance pay has fallen, pay at tech companies, especially for engineers, has risen.

You’ll still earn more in cash compensation as an analyst in investment banking than you would as an entry-level engineer at most tech companies, but the difference is quite small. And once you factor in stock, all bets are off.

Just as one example, take a look at this google vs facebook pay report, which pegs the average total compensation for engineers at google at $191K, compared with facebook at $205K.

And you earn those amounts with far less work: normal, 40-50-hour weeks rather than 70-80-hour ones.

Admittedly, smaller tech companies pay below those numbers, progression up the ladder is slower, and the pay ceiling is lower unless you move into an executive role, so there are some disadvantages as well.

But as I’ve been saying for several years, if you want a comfortable lifestyle where you earn in the low-to-mid six figures and have free time, join a large tech company.

So, what about those annual bonus predictions and salary reports?

Now, back to that point I made in the beginning.

I stopped writing annual bonus predictions and investment banker salary reports because they stopped being useful – there was no longer one standard bonus, banks started paying bonuses at different times, and pay between banks began to vary.

Also, my strategy of using the bank’s IB revenue growth rate to determine the bonus growth rate became less predictive over time.

I have received many requests for compensation summaries, though, so I plan to keep this article updated over time.

Bonus issue

What is a bonus issue?

Key takeaways

A bonus issue of shares is stock issued by a company in lieu of cash dividends. Shareholders can sell the shares to meet their liquidity needs.

Bonus shares increase a company's share capital but not its net assets.

Understanding bonus issues

Bonus shares themselves are not taxable. But the stockholder may have to pay capital gains tax if she sells them at a net gain.

Advantages and disadvantages of issuing bonus shares

Stock splits and bonus shares

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Dollar general increases investment in frontline bonuses by 40%

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Dive brief:

Dollar general plans to award an additional $50 million in bonuses to frontline workers in the fourth quarter, the company announced tuesday.

That brings the discounter’s investment in bonuses for the second half of the year to $100 million — double the amount it initially planned during the period. All told, dollar general plans to award $173 million in additional pay to store, distribution center and private fleet employees during fiscal 2020.

The bonuses come amid similar announcements from competing retailers as the holidays draw closer and the pandemic extends into its ninth month.

Dive insight:

Dollar general is increasing its investment in frontline employee bonuses as sales have performed well above average this year and as other retailers offer extra compensation in order to retain employees and show their appreciation during the pandemic.

In august, the discount retailer said it had given out approximately $73 million in bonuses to workers across its more than 16,000 stores and distribution facilities, and said it planned to award $50 million in additional compensation during the second half of the year. Tuesday’s announcement doubles that back-half commitment and increases its overall bonus allotment for the fiscal year by just over 40%.

Walmart has doled out more than $1 billion in bonuses so far this year while competitor dollar tree spent approximately $120 million between march and june on $2 hourly increases for its store and distribution workers. Numerous retailers ended hourly bonuses early in the summer, and several, including stop & shop and H-E-B, have announced additional bonus payouts in the back half of the year.

Dollar general has recently faced criticism for its treatment of employees. A report by UBS found that the chain pays its workers the least among 25 major U.S. Retailers, including dollar tree and walmart. Recent reports have also spotlighted the security risks dollar stores face, noting locations are frequent targets for robbery. Earlier this year, a former dollar general employee sued the company for $1 million after getting injured during multiple armed robberies in 2017 and 2018 at the texas store where he worked.

In addition to its bonuses, dollar general is investing in store enhancements and self-distribution facilities that provide more fresh and frozen groceries. During the second fiscal quarter of this year, dollar general’s comparable-store sales rose 18.8% while net sales increased 24.4% to $8.7 billion.

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