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Smart Investing PH, 31F Wynsum Corporate Plaza. F. Ortigas Rd. , Ortigas Centre, Pasig (2026)

06/09/2021

🚨 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐄𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 𝐅𝐮𝐧𝐝 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐚𝐧 𝐞𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 🚨

🔑 Why it's important for young professionals

A young professional is someone who is generally just starting to accumulate wealth and experience handling finances. And yet, experiences with unforeseen expenses are just all too common. POV: 🥵

A life with no emergencies is a perfect life 😎 and there is no perfect life...(well just in technical sense, life is perfect life is what u make of it ;) ) Okay going back, everyone deals with emergencies. Here are some samples:

🥵 your gadget broke.. cellphone, tablet, laptop. earphones, you name it.
🥵Rent Increase
🥵 Car Repairs (Auto Insurance)
🥵House repairs
🥵 Hospital Costs(Dog bite, check up not feeling well, broken limbs, got cut, etc. etc. and new on the list, COVID Tests)
🥵 Family emergencies: parents, siblings, relatives need money. (yes their emergencies could be your emergency and this is quite frequent)
🥵Job loss
🥵Pet Illness
🥵theft
🥵Unexpected Travel
🥵Critical Illness, Disabilities, and accidents (Life Insurance)

the general rule of thumb👍 for emergency fund is at 6x 🖐☝️ your monthly salary.

Why is it so high! 6x?? 😥

Actually, that is relatively low esp as a young professional since you're still growing your income.

It could even be at least 12-36x your monthly salary, if not for one thing. 👍

✅That is insurance.

So make sure to have all kinds of insurances (Auto, Life, Health, House, Business) you name it. Compared to having your phone screen replaced, these can cost millions so it's better to be ready☔️☔️☔️☔️

If you don't have any of these, simply put, your emergency fund should be able to withstand the expenses.

🤔You may have also experienced withdrawing or liquidating some of your investments for emergencies. It defeats the purpose of investing if you withdraw for emergencies.

Not saying you can fully prevent that from happening but you can minimize, leaving more capital for your investment/business to grow. 🌊🌊

💡Added tips for building your emergency fund:

✅have a separate account just for your emergency fund.

✅Be Patient. No shortcuts. Build a good buffer fund before investing.

✅Invest in insurance. Lowers your needed emergency fund.

✅Grow your emergency fund as you grow your assets/income.

Now you're on your way to establishing a sturdy Financial Foundation!! 🙌
______

If you have questions about
anything money, don't hesitate to message Smart Investing PH 😉

04/09/2021

Have you started preparing for these major financial needs? 🤔

Let's break these down:

☔️ PROTECTION

Protection means protection for your finances. Protecting your finances means protecting yourself and your family. You should have income protection in the form of Emergency Fund, Life, Disability and Critical Illness Insurance. Also add Car, property insurance. This will make sure that you are ready for any Financial Shock that can drain you and your family's finances. 💯

✅ SAVINGS and INVESTMENT

Are you savings up for a house, car, business, etc?

It's not about how much money you make, but how much you keep. Be diligent and savings and investing your hard earned money. Your income has the capability to grow and it will help you reach your much desired goals in life 😉

👨‍🎓 EDUCATION FUND

As parents, it is our responsibility to make sure that our children will get the best life that they deserve.

It all starts with planning ahead. As the Philippine Education Costs continue to rise, it's much more important to start saving up to equip our kids with the best best gift out there, their education. 🥰

🧓👵 RETIREMENT

9/10 Filipinos are not financially prepared when they retire.
We want to break this cycle.

When we retire, we want to live comfortably, and that entails being able to spend on the things that we need and want even if we no longer work. As much as possible, we do not want to depend on our kids to provide for us, as they will also embark on the journey of financial growth towards financial freedom, for their own families.

It is best to save at least 10-20% of your income for your retirement.

💡 The earlier you start saving up for retirement, the cheaper it will be. Compounding investment works wonders with more time ;)

✨✨Smart Investing PH can help you achieve all of these major and essential goals!!!

Send us a message and let's talk about your goals, and how to achieve them 💌📩

31/08/2021

What is inflation? 📉

It's a silent thief. 💸 No one escapes it, but you can face it. 😉

❌Don't put all your savings in the bank.

Yes money in the bank is important. Use it for your operational spending (living expenses), and for emergency fund(usually 6x your monthly salary)

✅The rest, you may alot into investments that grow your money long term. Beat inflation, take care of your money. 💯

29/08/2021

Don't miss this window to invest in the Philippine Stock Market📈 Send us a message to invest now‼ 📩

"Be fearful when others are greedy, and be greedy when others are fearful" - Warren Buffet

Every crisis is followed by a recovery. The same holds true in the stock market. 🌱

Misconceptions about investing:
🔴"I need a large amount to invest"
✅Investing is more accessible nowadays.
You can get started with investing for as low as 1,500 per month or 50 pesos a day. 💯

🔴"I need to learn how to trade stocks to invest in the stock market"
✅ You can invest your money with a Fund Manager or a Stock Broker.

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31F Wynsum Corporate Plaza. F. Ortigas Rd. , Ortigas Centre
Pasig
1605

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