Sunday, March 31, 2013

Happy Easter Sunday Everyone!

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"This is the day that the Lord has made, let us rejoice and be glad in it." 
Psalm 118:24
The heart of Easter Sunday is giving to others --to go a little further than we would normally do. Whether we are Christians or not, everybody would benefit from meditating on the meaning of Easter, when a good man gave his life for others. The miracle lies not just in the belief that He resurrected from the dead after three days, but also the fact that he was prepared to suffer on a cross purely out of love.

Photo courtesy of Father Ramil Marcos

As we reflect on the Resurrection of Jesus Christ, let us pray for the grace to be more aware of others and consider the things that we might do to help for those who are in need. It is not enough just to received the many blessings that God offers us through Christ's death and resurrection. We need to be on the lookout for opportunities whenever possible to share how the grace of God has transformed our lives. As the song goes: "walang sino man ang nabubuhay para sa sarili lamang", let's take responsibility in sharing and helping others even in our own little way.  Happy Easter Sunday everyone!
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Wednesday, March 27, 2013

PH gets first-ever investment grade rating

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PH gets first-ever investment grade rating

By 
 141 558 402
AFP PHOTO
MANILA, Philippines–The Philippines has achieved its first-ever investment grade rating after international debt watcher Fitch raised the country’s rating to BBB- from BB+.
Fitch Ratings — the first of the three major international debt watchers to upgrade the Philippines — also assigned a stable outlook for the country’s credit rating.
Fitch cited the country’s sovereign balance sheet as being comparable to those of ‘A’-rated nations, while a “persistend current account surplus, underpinned by remittance inflows” has made the country a “net creditor” from its previous deficit position.
FItch also noted the economy’s 6.6-percent economic growth for 2012 and the expected 5.5 percent growth for this year, both of which are “stronger and less volatile” that BBB-rated peers over the last five years.
“Improvements in fiscal management begun under President Arroyo have made general government debt dynamics more resilient to shocks,” Fitch said.
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Wednesday, March 20, 2013

Financial Planning Pinoy Style!

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I want to share another interesting article I read  from Mr. Randell Tiongson. By the way Mr.Tiongson is a RFP, an advocate of Life & Personal Finance. Hope you find his article not only worth reading but may it also help you to start planning ahead.

Question: How should we do personal financial planning based on our culture? Unlike the west, we heavily support family members. Randi Espera Ongoco (@randieongoco) via Twitter

Answer: I have been a student and a teacher of financial planning for many years, and it is true that we do things very differently here in the Philippines.
It is a common observation that financial literacy is not very high in our beloved nation, which makes it very difficult to do financial planning. To make things worse, the citizens of this nation, and the nation itself have very low savings rates. The Philippines has a savings rate of less than 20 percent while it is estimated that the Filipinos themselves have a savings rate below 10 percent. Reports from the Bangko Sentral ng Pilipinas say that of about 36 million Filipinos with bank accounts (with a total of over P5 trillion), 23 million of us have balances below P5,000.
Filipinos are not much of an investor, which is why our investment market, although performing extremely well, is not as big as it should be. The rate of Filipinos with insurance is likewise low at less than 20 percent of the household heads.
Here’s another disturbing statistic, it is believed that only about 10 percent of Filipinos actually prepare for retirement. Because of all these, a big majority of the population ends up financially dependent on their children during their old age. An SSS (Social Security System) study said that over 70 percent of Filipinos during retirement are living with and are being supported by their children.
There are many issues abound with context to your question. We can’t argue the fact that income opportunities in this nation are really a big problem, but I believe that our financial woes go beyond just income. I have personally been a witness to many individuals who had relatively good income and yet failed miserably with regard to being financially secure. For instance, the increase in the average of income employed by the BPOs and our dear OFWs was not a guarantee to see many of them with a financially secure future.
While the results or the symptoms may seem economic in nature, I believe that our problems are largely behavioral and cultural. It is said that personal finance is 80 percent behavior and only 20 percent skill, a notion that I agree with. In our case, we have big issues with both the 80 percent as well as the 20 percent.
A big behavior issue is that we spend much more than we should and we save far less than what we are supposed to. Don’t you even wonder why our nation now has the record number of malls and it seems that many malls are being built monthly, maybe even weekly? The stark increase in the number of shopping malls through the last 10 years only shows that the income of Filipinos is improving; and yet the increase in savings among us is grossly disproportional.
To make things worse, a big cultural issue that you pointed out is that Filipino parents expect their children to support them financially. While supporting parents financially is very noble, the impact of such actions to many Filipinos results in not being able to save enough for their old years and making themselves dependent on their children in the future; a vicious cycle indeed. A skill issue among many of us is we do not really know how to properly invest and we borrow too much.
Here are my tips for you:
Increase your cash flow. You can do this by earning more money and spending less money. Your biggest asset is yourself. If you constantly invest in your competence and abilities, your income will surely grow. Be disciplined in spending, reduce unnecessary expenses, avoid too much “wants” and evade buying too many “stuff.” Having budgets and sticking to it is your best strategy in better handling your finances. As your cash flow improves, you will begin to generate more savings.
Reduce or eliminate debt. Borrowings, especially unnecessary borrowing such as consumer debt (credit card debt, personal loan, hulugan, etc.) is very costly because of the interest you pay. Also, it is difficult to have a good level of savings when you owe too much as you end up paying debt against saving money.
Take baby steps in savings and investing. Often, we think we always think too big when it comes to saving and investing. In reality, big savings is really just small savings done very regularly. The same goes for investing. You may want to enroll in an auto-debit program of your bank so you will have forced savings. Some banks like BDO and BPI offer auto debit arrangements that go into an investment account like a mutual fund or a unit investment trust fund.
Review your finances periodically. It is prudent that you inspect what you expect. Regularly check your progress vis-à-vis your goals. Always check your spending, ideally on a daily or weekly basis. Review your savings level also, maybe twice a month or once a month. Look at your investment progress and performance at least on a quarterly basis so you can make changes if need be. Regular reviews not only keep you informed, it also motivates you when you actually see progress.
Communicate with family. This is perhaps the most difficult task of all. Respectfully discuss financial matters with affected members of the family. Let them know that while you really want to help members of the family, you are also limited by your resources and your personal obligation to prepare for your own future. Limits or budgets are a good way to objectively set expectations. Other members should also be given the obligation to provide assistance. It is unfortunate that many families rely on just one member (the one who earns the most), but that shouldn’t be the case. Reliance on just one or two members of the family results in a scrounging dependence by other family members. Communication done with utmost respect and a lot of love will solve many issues of family members. Remember, you need to do this so that you will not be a burden to your children in the future.
Financial planning “Pinoy style” is a bit tricky, but it is not rocket science. The only way for this country to really move towards a financially peaceful future is to start planning today.

http://www.randelltiongson.com/financial-planning-pinoy-style/
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Monday, March 18, 2013

A letter worth sharing

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This feel worth sharing, It's a letter of an American to Filipinos, it caught my attention and I hope you find it worth reading too. Here it goes:


Love letter to Filipinos by David Harwell, PhD

I am writing to thank Filipinos for the way you have treated me here, and to pass on a lesson I learned from observing the differences between your culture and mine over the years.
I am an expatriate worker. I refer to myself as an OAW, an overseas American worker, as a bad joke. The work I do involves a lot of traveling and changing locations, and I do it alone, without family. I have been in 21 countries now, not including my own. It was fun at first.  Now, many years later, I am getting tired. The Philippines remains my favorite country of all, though, and I’d like to tell you why before I have to go away again.
I have lived for short periods here, traveled here, and have family and friends here. My own family of origin in the United States is like that of many Americans—not much of a family. Americans do not stay very close to their families, geographically or emotionally, and that is a major mistake. I have long been looking for a home and a family, and the Philippines is the only place I have lived where people honestly seem to understand how important their families are.
I am American and hard-headed. I am a teacher, but it takes me a long time to learn some things. But I’ve been trying, and your culture has been patient in trying to teach me.
In the countries where I’ve lived and worked, all over the Middle East and Asia, it is Filipinos who do all the work and make everything happen. When I am working in a new company abroad, I seek out the Filipino staff when I need help getting something done, and done right. Your international reputation as employees is that you work hard, don’t complain, and are very capable. If all the Filipinos were to go home from the Middle East, the world would stop. Oil is the lifeblood of the world, but without Filipinos, the oil will not come from the ground, it will not be loaded onto the ships, and the ships will not sail.  The offices that make the deals and collect the payments will not even open in the morning. The schools will not have teachers, and, of course, the hospitals will have no staff.
What I have seen, that many of you have not seen, is how your family members, the ones who are overseas Filipino workers, do not tell you much about how hard their lives actually are. OFWs are very often mistreated in other countries, at work and in their personal lives. You probably have not heard much about how they do all the work but are severely underpaid, because they know that the money they are earning must be sent home to you, who depend on them.  The OFWs are very strong people, perhaps the strongest I have ever seen. They have their pictures taken in front of nice shops and locations to post on Facebook so that you won’t worry about them. But every Pinoy I have ever met abroad misses his/her family very, very much.
I often pity those of you who go to America. You see pictures of their houses and cars, but not what it took to get those things. We have nice things, too many things, in America, but we take on an incredible debt to get them, and the debt is lifelong.  America’s economy is based on debt. Very rarely is a house, car, nice piece of clothing, electronic appliance, and often even food, paid for.  We get them with credit, and this debt will take all of our lifetime to pay. That burden is true for anyone in America—the OFWs, those who are married to Americans, and the Americans themselves.
Most of us allow the American Dream to become the American Trap. Some of you who go there make it back home, but you give up most of your lives before you do. Some of you who go there learn the very bad American habits of wanting too many things in your hands, and the result is that you live only to work, instead of working only to live. The things we own actually own us. That is the great mistake we Americans make in our lives. We live only to work, and we work only to buy more things that we don’t need.  We lose our lives in the process.
I have sometimes tried to explain it like this: In America, our hands are full, but our hearts are empty.
You have many problems here, I understand that. Americans worry about having new cars, Filipinos worry about having enough food to eat. That’s an enormous difference. But do not envy us, because we should learn something from you. What I see is that even when your hands are empty, your hearts remain full.
I have many privileges in the countries where I work, because I am an expat. I do not deserve these things, but I have them. However, in every country I visit, I see that you are there also, taking care of your families, friends, bosses, and coworkers first, and yourselves last. And you have always taken care of me, in this country and in every other place where I have been.
These are places where I have been very alone, very tired, very hungry, and very worried, but there have always been Filipinos in my offices, in the shops, in the restaurants, in the hospitals, everywhere, who smile at and take good care of me. I always try to let you know that I have lived and traveled in the Philippines and how much I like your country. I know that behind those smiles of yours, here and abroad, are many worries and problems.
Please know that at least one of us expats has seen what you do for others and understands that you have a story behind your smiles. Know that at least one of us admires you, respects you, and thanks you for your sacrifices. Salamat po. Ingat lagi. Mahal ko kayong lahat.
David H. Harwell, PhD, is a former professor and assistant dean in the United States who now travels and works abroad designing language training programs. He is a published author and a son of a retired news editor.
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Sunday, March 17, 2013

The Beauty of Compound Interest

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"Compound interest is the 8th Wonder of the World" - Albert Einstein

Albert Einstein called compound interest the greatest mathematical discovery of all time. The wonder of compounding transforms your working money into state-of-the art, highly powerful income generating tool. It is the process of generating earnings on an asset's reinvested earnings. It is generally used in one of two ways: To figure out how long it will take to double your money in a savings or investments, or how long it will be before your current stash of cash loses half its real purchasing power.

In other words, it's interest earning interest. For example you invested P1,000 a year ago. It earned P100 in interest last year. This year you will be earning interest on P1,100 (original investment+interest earned). The video below from Pesos and Sense explains Compound Interest:



Important Pointers About 
Compound Interest
(An excerpt from G.Foreman)

Anyone can benefit from it 
You don't have to be a genius. Almost any investment will earn compound interest if you leave earnings in the account. Just remember to invest your hard earned money to an investment vehicle that can beat inflation.
Compound interest is a double-edged sword 
It's great if you save or invest regularly, but it can be cruel if you are borrowing money.
Time is on your side 
The longer money compounds, the faster it grows. Money growing 6% per year will double in about 12 years, but it will be worth four times as much as in 24 years.
Time is not on your side
CREDIT CARDS and other open-ended accounts use compound interest against you. That's the reason why "minimum payments" are likely to keep you in debt forever. 
You don't have to be rich to make compound interest work for you The principal works the same whether you invested P1,000, P10,000, P100,000 or P1,000,000. The millionaire may have more investment options, but even the poorest among us can use compound interest to reduce the amount we pay credit-card companies and payday lenders. 
Compound interest requires you to sacrifice today to reap a benefit tomorrow You can choose to improve your lifestyle as you age instead of feeling like you are always making sacrifices by downgrading your lifestyle as your obligation increase. Too many people spending their younger years living large, only to be forced to downgrade as they age and start a family. If you save early, you won't be used to a larger lifestyle in the first place and due to your out-sized savings, you can choose to upgrade your lifestyle as you fit.


Saving a few pesos a month might not seem like much, but if done consistently it could make a BIG difference in your financial future. Understanding these simple facts can have a major impact on your financial success.
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Friday, March 15, 2013

Financial Planning Seminar

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Yesterday, I was invited to give a talk to the graduating students of my dear alma mater in Industrial Engineering Department. It's nice to be back in Adamson University after 11 years. I felt the warm and welcoming atmosphere from my professors as they greeted me one by one before I made my presentation. It was nostalgic as well, remembering the days when I was the one sitting there as a student attending seminars. 

My talk is all about the Basic Steps to Financial Security

I am equally happy and proud because everybody seems to be having a great time enjoying the seminar. The students were actively listening and participating. Heading home I received a text message and it goes like this: "Good evening po, Ma'am! Thank you so much po sa seminar. We really learned a lot, nag-enjoy din po kami :-) Thank you po!" Wow! It felt so great, to be appreciated in what you do is indeed priceless! It gives me a more compelling reason why I need to continue what I'm doing, and that is to spread financial literacy. 

Kudos to the facilitator of the event, specially to Gian Carlo Reyes and his team. Not wanting to sound to cliched, but I would like to take this opportunity to thank Engr. Maida dela Cueva for assisting us and of course to Engr. Noe Enriquez, and to all my beloved professors for believing in me. I would not be the person I am today if not for them. I am always proud to be a Falcon! ( I dream! I soar! I am possible! ) 

Special thanks also to my financial planning team namely Jacqui, Jonel, Raymund & Ms. Rowena for their untiring support and of course to my mentor, Sir Garry de Castro of FinancialPlanningPh for gracing the event.

"An investment in knowledge always pays the best interest." 
-Benjamin Franklin


We will all start out working to make money. But we must not stop there. We must advance to the position that money serves us so that we can devote our time serving God by serving people in need and not being controlled by the need to make money in order to survive. We need to have enough determination and passion to drive us to do whatever it takes to become financially literate and get control of our finances. 

If you would like us to conduct a financial planning seminar in your school or in your workplace, my team and I will gladly offer it for free... to schedule an appointment, you may call us at (02)585-4500,  09178404561 or 09328920658





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Thursday, March 7, 2013

Understanding Mutual Funds

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Mutual Fund is an open-end fund operated by an investment company which raises money from shareholders and invests in a group of assets, in accordance with stated set of objectives. The assets are then entrusted to a full time professional fund manager who develops and maintains a diversified portfolio of security investments. People who buy shares of a mutual fund are its owner or shareholders. For most mutual funds, shareholders are free to sell their shares at any time, although the price of a share in a mutual fund will depend on the prevailing Net Asset Value Per Share (NAVPS).

What is NAVPS?
Investing in Mutual Funds is similar to buying shares of a company. Your share has a specific value which will vary from day to day. The term used to determine the value of your investment in Mutual Funds is referred to as Net Asset Value Per Share (NAVPS), NAVPS is calculated daily at the end of trading day, so the price of your investment changes from day to day. 

NAVPS = Total Value of Fund Asset - Liabilities
Offering Price

How is the number of shares computed?
To compute for the number of shares bought, simply divide the investment amount by the offering price. Offering Price is equivalent to NAVS plus applicable sales charge.

Basic Type of Mutual Funds  in the Philippines 
(According to Investment Objectives)

  1. Bond Funds - invest primarily in bonds such as Treasury Notes issued by the Philippine Government and commercial papers issued by reputable companies. Having a full basket of only fixed-income securities, bond funds provide capital preservation while maintaining a conservative stance in terms of asset allocation.
  2. Equity Funds (Stock Funds) - invest primarily in shares of stock issued by Philippine corporations and listed on the Philippine Stock Exchange.
  3. Balanced Funds - invest in both shares of stock and debt instruments. It is a type of fund that is even more diversified in terms of classes of assets in its portfolio is the asset allocation fund. It may invest in practically all types of securities - depending on what the fund manager deems as approriate for the times. 
  4. Money Market Funds -  invest purely in short-term (one year or less). May be diversified or specialized by the type of money market instrument (prime commercial paper, short-term government securities, repurchase agreements, etc.                  

PESOS & SENSE EXPLAINS: MUTUAL FUNDS



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Bullseye! Ignite Your Business Animo!

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The De La Salle Alumni Association in partnership with Go Negosyo, Philippine Franchise Association (PFA), and Association of the Filipino Franchisers (AFFI) launches it's first-ever entrepreneurship expo entitled ..."Bullseye! Ignite your Business Animo!" It aims to awaken the spirit of the people aspiring to start and grow their own business. And to drive the entrepreneurial mindset of the youth, the future leaders of our nation.
It's mission is to build awareness and harp the novelty of the Bullseye Expo. DLSAA believes that they could contribute to nation building directly to its members through entrepreneurship.


There will be more than 25 reputable franchisers represented by different companies that will participate in the expo.  Ahead Learning System, Bubbatealicious Pearl Milk Tea Place, Generika, Kumon Philippines, Microsoft,  SEAOIL Philippines, Inc., and many others will be putting up booths that can help participants to choose on where to start up their own franchising business. Aside from the top corporations, participants will learn from the success stories of Binalot's Rommel Juan, Mekeni Food Corporation's Mr. Prudencio Garcia and Chatime and French Baker's Johnlu Koa.
The event will be held on March 16, 2013 at the Henry Sy, Sr. Hall Grounds from 9:00 am to 7:00pm. The entrepreneurship expo is open to all students, DLSU alumni and to the general public. There is an entrance fee of P50.00 for non DLSU student and alumni.
BULLSEYE Ignite Your Business Animo! is also co-presented by San Miguel Corporation.
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Wednesday, March 6, 2013

Join the RFP Financial Fitness Forum

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May 4, 2013 (10:00 am - 9:00 pm) /
SM Megatrade Hall, Mandaluyong City, Philippines

Get Informed and Get in Shape

Financial Fitness Forum is a one-day personal finance event that answers everything you need to achieve your financial goals! Regardless of your situation in life, whether you are salaried employee or entrepreneur, this is your opportunity to get valuable personal finance advise you can't afford to ignore. Get fresh ideas on investing, learn powerful insights about wealth building, apply new strategies in growing your money. Plus, interact with Registered Financial Planners (RFP®) for free counseling and advise at Financial Planning Clinic sessions.

Agenda

Keynote Presentation
09:30am - 10:30amRegistration
10:30am - 11:15amWelcome Remarks / Key Presentation
Taking Charge of Your Personal Finance
  • Where are you now financially?
  • Identifying and setting your goals
  • The need for Life Event Planning
Efren Cruz, RFP®
best selling author of "Pwede Na!" and President of Personal Finance Advisors
11:15am - 12:00nnBuilding Wealth to Meet Your Goals
  • Stock, bond, real estate or other kind of investments, which one suits you?
  • Developing a personal investment strategy
  • Implement and monitor your investment performance
Aya Laraya, RFP®
Investment advocate, speaker and TV host of Pesos and Sense
12:00nn - 01:30pmBreak / RFP® Financial Planning Clinic
01:30pm - 02:15pmTwelve Steps to Build Wealth on Any Income
  • Overcoming the obstacles to building wealth
  • Preparing for life's financial challenges
  • Finding ways to earn more and save more
Alvin Tabanag, RFP®
Best selling author of "12 Steps to Build Wealth on Any Income"
02:15pm - 03:00pmPlanning Your Secure Retirement
  • How much do you need to fund your retirement nest egg?
  • Putting your money work for you
  • Enjoying the lifestyle you want upon retirement
Noel Arandilla, RFP®
Chief Executive Officer, International Marketing Group IMG
03:00pm - 04:00pmPanel Discussion: Good Debt vs. Bad Debt
  • Why do people get into debt?
  • What are the signs that you are in financial trouble?
  • How to get out of debt and be responsible
Salve Duplito, RFP®
Writer and TV host of ANC On The Money
Edwin Suson, RFP®
Speaker / trainer of Financial Literacy 101
Kendrick Chua, RFP®
Columnist of Business Mirror / TV Host of CHInoy TV
04:00pm - 04:30pmBreak / RFP® Financial Planning Clinic
04:30pm - 05:15pmWinning the Stock Market Game
  • How to pick the right stock
  • How to trade profitably if market is bullish, bearish or sideways
  • How to protect your gains and minimize risks
Marvin Germo, RFP®
Stock market trader and investor, speaker, and columnist of Business Mirror
05:15pm - 06:00pmMaking Money in Real Estate Investing
  • Selecting the right property, for the right reasons, in the right location
  • How to protect yourself when group investing with family, friends, or other investment partners
  • How to avoid the classic pitfalls when investing in real estate.
Atty. Ariel Martinez, RFP®
Author of best selling book, "The Real Estate Service Act of the Philippines", and president of Phil Assoc of Real Estate Boards (PAREB)
06:00pm - 07:00pmPanel Discussion: Should I Invest in Stocks or Bonds?
  • Is the stock market going to crash soon?
  • Should I invest in mutual funds?
  • How to develop profitable investment portfolio?
Rienzie Biolena, RFP®
Senior Financial Advisor at Philam Asset Management, and columnist of Business Mirror
Jeff Gonzales, RFP® Vice President of Insular life Assurance
Ricky So, RFP®
Speaker and independent Financial Adviser of Rampver Strategic Advisors
07:00pm - 07:30pmClosing Remarks
Randell Tiongson, RFP®
Speaker and Columnist of Philippine Daily Inquirer and Money Sense Magazine

Conference Fee

  • Super Saver Rate (February 14 - 28 only):
    • Individual: P1,297
    • Group (10 or more): P997
  • Early Bird Rate (March 1 - 31 only):
    • Individual: P1,497
    • Group (10 or more): P1,197
  • Pre-registered Rate (April 1 - 15 only):
    • Individual: P1,997
    • Group (10 or more): P1,297
  • Regular / Walk-in Rate (April 15 - May 4):
    • Individual: P2,997
    • Group (10 or more): P1,997

RFP Financial Fitness Forum

Date: May 4, 2013
Time: 10:00am - 9:00pm
Venue: SM Megatrade Hall, Mandaluyong City, Philippines
Contact: (+632) 480 1997

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Tuesday, March 5, 2013

Invest As Early As You Can

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One of the main reasons why we need to start investing as early as we can is to fight INFLATION.

Inflation is the rise in prices commodities. Yearly, we do have inflation rate. Inflation decreases the purchasing power of our money. The tricky bit to remember is that with rising prices, we get corresponding decrease in purchasing power. In 1989, jeepney fare in Metro Manila was only P1.00 .Today minimum jeepney transport fare is P8.00.

Now that we know about inflation, it is very important to educate ourselves when it comes to investing. You should invest in a type of investment that could provide you an interest rate at least higher than the inflation rate. If the annual inflation rate is 5%, then you must find an investment that will give you a yield or return at least 6%. In that way, the purchasing power of your money is preserved and you could have earned an additional income too.

Everything in the world changes with TIME.  The saying "the early bird catches the worm" is true when it comes to investments. You cannot get rich overnight. You need time for your investments to grow. The earlier you started, the higher the chances of getting better returns for your hard earned money. Let's take a look on Pesos and Sense Educational Video:




Time is passing by. You don't want to waste it and ponder one day when your old enough why you never started. TIME is Money! You've got to start building your investments now! not tomorrow, not next week, not next year, but NOW!

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Monday, March 4, 2013

Variable Unit Linked Insurance (VUL)

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A Variable Unit Linked Insurance is a non-traditional life insurance plan with benefits directly linked to the performance of the units of investment fund/s you choose. It is also called variable universal life, unit linked product, equity product or investment linked product.

To give you a better understanding, please watch this video:



What funds to choose from?
There are three investment fund to choose from, the Bond, the Equity and the Balanced Fund.


  • BOND Fund - is designed to invest only in high quality fixed income instruments that are classified as below average risk.
  • EQUITY Fund - is designed mainly to generate long-term capital appreciation through investment in high quality equities diversified across sectors.
  • BALANCED Fund - is designed to provide total returns consisting of current income and capital growth through investment in a diversified portfolio of debts (BONDS) and equity (STOCKS) securities from both domestic and foreign issuers.

What is the best fund for me?
In choosing the best fund for you, first you have to know your investment objectives, length of time you plan to remain invested and your risk tolerance to market volatility.

Is the return on my investments guaranteed?
No. Returns on investment fund/s are not guaranteed since the returns will depend on the performance of the fund. However, researched has confirmed that stocks, equity funds go up in value over time for investors who prepared to buy and hold for a period of time (e.g. 5-10 years)

Does this mean that I will bear the risk associated with the investment fund I choose?
While you will bear the risk associated with your chosen investment fund, it will also provide you with opportunity to take advantage of the growth in the economy.

Can I switch from one fund to another?
Yes, you can switch from one fund to another to take advantage of the growth of a particular fund.


Should you be interested in this kind of product you can consult me anytime.Just leave your comments below or you can email your inquiries to: gotheextramyles@gmail.com or mayleen.q.bautista@sunlife.com.ph







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