MoneySense Philippines

17/10/2025

MANILA, PH – October 2025 – In the world of financial planning, one solution that has sparked both interest and debate over the years is a Variable Unit-Linked (VUL) insurance plan. While it became well-known for offering life insurance with an investment component in one package, it has also garnered mixed feedback, often with negative reactions from Clients who felt their investments did not grow as expected.

“VUL has been misunderstood by many,” shares Ivan Corcuera, Head of Insurance Investments at Sun Life Investment Management and Trust Corporation. “It’s not a one-size-fits-all product, and it’s certainly not a shortcut to wealth. It’s a financial tool designed to protect first and grow second.”

A life insurance plan that combines lifelong protection and fund accumulation, VUL’s core purpose is to provide a substantial financial shield for a family when they need it most. The opportunity for growth, while a powerful and valuable feature, is a secondary benefit.

MANILA, PH – October 2025 – In the world of financial planning, one solution that has sparked both interest and debate over the years is a Variable Unit-Lin

17/10/2025

Retirement is a chapter in life that many look forward to, yet few are truly prepared for.

An online survey by Sun Life Asia across the Philippines, mainland China, Hong Kong SAR, Indonesia, Malaysia Singapore, and Vietnam conducted in July 2024 revealed that 21% of retirees in the Philippines had not planned their retirement expenses and close to half express regret over past financial decisions, with 73% saying they have not saved enough for retirement.

Today, many Filipinos live well into their seventies, and many may outlive their retirement savings, as the cost of living doubles approximately every eight to 10 years, according to the Bangko Sentral ng Pilipinas (BSP). Additionally, major illnesses that come with age can deplete years of hard-earned savings.

These realities highlight the urgent need to plan early. To guide Filipinos on this journey, Sun Life Grepa Financial, Inc.

Retirement is a chapter in life that many look forward to, yet few are truly prepared for.  An online survey by Sun Life Asia across the Philippines, ma

01/02/2025

https://www.moneysense.com.ph/product/digital-copy-moneysense-q4-2024-features-skincare-storyselling-and-saving-castles-the-remarkable-journey-of-sixteen-ramos/

Skincare, StorySelling™, and Saving Castles: The Remarkable Journey of Sixteen Ramos

01/02/2025

By EXCEL V. DYQUIANGCO

Amid the serene Arizona desert, Sixteen Ramos contemplates her next adventure. Having built a network marketing empire of 100,000 distributors before pivoting to preserving French castles, her journey from diplomatic aspirant to digital storyteller to château preservationist exemplifies the power of following one's unique path.

Growing up in Manila with parents who valued education and world exposure, Sixteen pursued a bachelor's degree in Consular and Diplomatic Affairs at De La Salle-College of Benilde. Though initially eyeing a career in law, her true passion lay in cultural affairs and international relations. "I was fascinated by how different nations survive and thrive and interact with each other," she recalls.

Her path to entrepreneurship came naturally, though unexpectedly. "I became a business owner because I love that you can make a living doing something you love without having to answer to someone else," she explains.

By EXCEL V. DYQUIANGCO Amid the serene Arizona desert, Sixteen Ramos contemplates her next adventure. Having built a network marketing empire of 100,000 dist

03/11/2024

https://www.moneysense.com.ph/product/digital-copy-moneysense-q3-2024-features-richard-carvajal-property-entrepreneur/

Grab Your Digital Copy of MoneySense Now
Table of Contents
Cover Stories
The Millennial Property Entrepreneur - BY EXCEL V. DYQUIANGCO

Building Wealth with Rental Properties - BY CARLA CONCEPCION

Financing Your Real Estate Investments - BY CARLOS GONZALES

The First-Time Homebuyer’s Guide - BY ANDY CRUZ
Plan
How to Pick the Perfect Location for Your Property Investment - BY CARLOS GONZALES

Best Real Estate Marketplaces to Market Your Properties - BY CARLOS GONZALES

Condotels vs. Timeshares - BY ANDY CRUZ

Primer: Pag-IBIG Benefits - BY CARLA CONCEPCION

My Money Story: Navigating Crypto and Real Estate Success - BY ANGELINE VIRAY AS TOLD TO EXCEL V. DYQUIANGCO

My Money Story: Empowering Talents, Building Brands - BY JOSEPH MAX WEBB AS TOLD TO EXCEL V. DYQUIANGCO

My Money Story: From Corporate to Crypto Leader - BY ARLONE ABELLO, AKA COACH MIRANDA MINER, AS TOLD TO EXCEL V. DYQUIANGCO
Invest
Stock Market 101: Stock Market Cycles:
Understanding Boom and Bust Phases - BY CARLOS GONZALES

Real Estate 101: Understanding Property Taxes and
Fees in the Philippines - BY CARLA CONCEPCION
Spend

Best Places to Buy Home Furniture and Décor - BY CARLA CONCEPCION

Digital Copy: MoneySense Q3 2024 PDF Download MoneySense Q3 2024 Features: Richard Carvajal - Property Entrepreneur

03/11/2024

03/11/2024

The Millennial Property Entrepreneur

How Richard Cavajal’s go-getter attitude and digital savvy led to his real estate success

By EXCEL V. DYQUIANGCO

At a time when most young people are still trying to figure out their career paths, Richard Carvajal has not only found his calling but thrived in it. At just 23, Richard had already made his million from real estate. Today, he’s a successful entrepreneur, property investor, content creator, and personal finance advocate.

Ironically, real estate and entrepreneurship were never on Richard’s radar. He once aspired to be a dentist, fascinated by the profession since childhood. While most kids dread the dentist’s chair, Richard was a fan. “I initially wanted to take up dentistry because I loved going to the dentist as a kid,” he recalls with a grin.

But a scholarship at Enderun Colleges set him on a different path.

The Millennial Property Entrepreneur How Richard Cavajal’s go-getter attitude and digital savvy led to his real estate success By EXCEL V. DYQUIANGCO

24/08/2024

https://www.moneysense.com.ph/moneysense-q2-2024-features-finfluencer-antonette-aquino/

24/08/2024

The TikTok Finfluencer

How Antonette Aquino’s path led her from teen entrepreneurship to personal finance social media influencer

By EXCEL V. DYQUIANGCO

From juggling part-time jobs as a teen to becoming a TikTok personal finance sensation, Antonette Aquino’s journey in the finance industry is a masterclass in turning adversity into achievement.

The TikTok Finfluencer How Antonette Aquino’s path led her from teen entrepreneurship to personal finance social media influencer By EXC