Insurance/Investment Advisor PH

04/05/2019

Ito dapat tayo Financial Goals😆😆

03/05/2019

Live your best life ever by being healthy, wealthy, and happy! Let Sun Life guide you in this journey. Explore our plans that fit these goals here: bit.ly/CharosCall

29/04/2019

Retirement maybe decades away but it'll come. So invest for your retirement fund as early as you can.

27/04/2019

FOR OUR FUTURE

Bakit ba kailangan natin mag-invest?
Saan ba dapat mag-invest?
Paano mag-invest ng pera?

Ilan lamang ito sa mga katanungan tungkol
sa investment. Kaya naisipan kong gawin ito
upang mas lumawak ang inyong kaalaman.

Kailangan natin mag-invest at matuto nito
para mapalago ang ating pera at maihanda
ang ating sarili sa future lalo na ang ating pamilya.

The earlier we invest, the better. Kaya ‘wag na nating
antayin na may mangyari pa at tumanda na tayo
bago natin ma-realize na sana nag-invest tayo.

So ilan sa mga pwedeng paglaanan ng investments ay ang

REAL ESTATE

“Eh daming nalulugi d’yan!”
“Di naman totoo yan. Dagdag gastos pa!”
“Masyadong malaki ang ilalabas na pera d’yan.”

Maraming nalulugi dahil hindi nila alam kung
ano ang pinasok nila. Kaya kailangan ay legal
ang developer at alam natin ang market value sa lugar.

Ang bahay na titirhan natin ay hindi isang investment.
Dahil ang investment ay may bumabalik
na profit mula sa binili nating property.

Kaya ang tinutukoy ko dito ay ang mga condominium,
townhouse or apartment na maaaring paupahan
sa ibang tao at may papasok na profit mula dito.

Kailangan lamang alam natin pumili ng tamang
lugar tulad ng malapit ba ito sa paaralan, o kaya
hospital o kaya naman sa mall or mga opisina.

Isa pang pwedeng investment ay ang

MUTUAL FUND, UITF or STOCK MARKET

Ito naman may bibilhin tayong shares or unit
mula sa investment companies, bank or private
companies at palalaguin ito over time.

So tandaan lamang na ang pera na ilalagay sa investment
ay pera na hindi natin kailangan i-withdraw agad
dahil ang investment na ito ay pang long term.

Meaning kailangan nating ilagak ang ating pera
for about 10 years or more. Kaya bagay ito para sa
retirement fund, medical fund or inheritance fund.

Tandaan lamang na dapat legit ang lalapitan nating
broker or bank manager para hindi tayo maloko.
Sa mutual fund, kailangan ay under ng SEC ang company.

Sa bank naman ito ay under ng BSP at sa Stock Market
naman, piliin ang mga blue chip companies tulad ng
nasa food industry, mall/commercial industry at utility industry.

Sa mga private companies na ito, they help us
grow our money higher compared to the usual
savings account or time deposit account.

Ang susunod naman ay may life protection, ito ang

VUL (VARIABLE UNIVERSAL LIFE)

Ito ay combination ng life insurance + investment.
Kaya may protection coverage at may investment
sa mutual fund. Para saan naman ito?

Ito ay mahalaga lalo na sa mga bread winner
para in case bigla tayong mawala, hindi natin
iiwanan ang pamilya natin na hirap at baon sa utang.

Long term din ito at for a certain period, once
ma-reach natin, may guaranteed payouts at may
investment din na kasama kaya lalago rin ang pera.

Tandaan lamang na kailangan ay legal din ang broker at
companies na paglalaanan natin sa investment na ito at
huwag magpadala sa excitement at emotions.

I also have to say na sa lahat ng mga ito, mayroong RISK.
The value can go up or can go down. Kaya kailangan
ang perang ilalagay sa mga ito ay purely for investment.

Hindi pwede yung pambili ng grocery or pambayad sa
kuryente ang ilalagay dito. This is purely saving
over a long period of time for our future.

Dahil sa investment

“We don’t just invest money to make our family secure,
but we also invest time for our better future.”
- Chinkee Tan, Filipino Motivational Speaker

THINK. REFLECT. APPLY.
Kailan mo sisimulan ang pag-iinvest?
Gusto mo bang palawakin pa ang iyong kaalaman sa investment?
Gusto mo bang protektahan ang iyong pamilya at paghandaan ang iyong retirement?

24/04/2019

Budgeting and saving for the future

Financial Planning is a PROCESS of managing one’s financial resources, accompanied by STRATEGIES, in accordance with your FINANCIAL GOALS– and it all starts with proper budgeting and saving.

Budgeting is making sure that your money is going where it should be. It simply means: income minus expenses equals your potential budget. If expenses turn out higher than income, then you need to make some changes on how you spend your money right away! You can do this by eliminating bad debt and through reducing, cutting, or postponing unnecessary expenses.

Saving refers to the act of putting aside money for basic needs or emergency situations. But to make it really effective, you must make saving a habit by doing it consistently and with purpose.

23/04/2019

23/04/2019

21/04/2019

Usapang plus a of Insurance..

☀️SUN SMARTER Life ELITE Peso 10...

Ito ay 10 year payment whole life insurance na merong GUARANTEED CASH VALUE or GUARANTEED ANTICIPATED ENDOWMENT BENEFIT.

✅double ang face amount upon death
✅merong syang GUARANTEED 8% na endowment benefit beginning on the 6th year and every 2 years thereafter until age 100
✅meron kang dividend (not guaranteed, projected 3%)
✅maganda sa child's educational fund from 0 to 10 years old
✅ikaw ang bahalang ilipat sa anak mo ung cash benefit, until magka apo ka, meron kang makukuha until 100 years
✅merong waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan ( wag man sana), makakatanggap sya ng pera until 100 years old.
maganda sa taong sigurista
✅may paying period na 10 years
✅merong Accidental Death at Total Disability Benefit

For example if you have 1,000,000 Face Amount (Insurance Coverage): 8% is Php80k.

Ibig sabihin, may makukuha kang Php80k simula 6th year nung policy mo (hindi ka pa tapos magbayad, nasa ika 6th yr pa lang ng pagbabayad), then every 2 years hangang age 100 nung insured ay makukuhang Endowment.

If 0 to 10 years old yung insured, you do the math.... May dividends pa na pwedeng ma earn yung pera mo, though not guaranteed pero at least meron pa din kahit papano.

20/04/2019

Why do we need life insurance?

20/04/2019

The Big C: What We Fear More than Cancer Itself