RetirementFund – Just Talk (2024)

Our life is only ever in front of us, never behind us but our past can be an informative tool that we learn a lot from it – kumbaga ‘life’s lesson na maging gabay natin to make the right decision in the future.

I’ve been born to a parents na negosyante, Sa Probinsya namin, They are wholesale & retailer ng bigas with sari-sari store, lumber yard, piggery, manokan may barber shop at iba pa na hindi ko na ma remember. Masipag ang nanay at tatay ko kaya pumapasok ang pera sa amin.

I remember I was in elementary that time na umiyak nanay ko dahil kinain ng daga ang pera namin na nakalagay sa kaban (a wooden rectangular cabinet aka kaha de yero kumbaga
:p) totally wiped out parang bulang naglaho ang pinaghirapan nila. Sa kanilang kapanahonan pag nag ipon ng pera ilagay sa ilalim ng unan, ilagay sa medyas and ilagay saan mang sulok o sa kaban.
Then Next nasunog yung tindahan namin, ang sabi nila mas maige pang binagyo or nanakawan at least may matitira pa sa pinaghirapan mo, Pag nasunogan lahat nagiging abo buti nalang ligtas kami kasi they definitely don’t believe in Life insurance kesyo na “nunglo” or it’s a “Death Wish”.

It’s a true story of my life na I want to share kasi I was deeply affected by it. In Restrospect, What happen to my parents was an example of being ignorant or kulang sa impormasyon or not well educated with regards to their finances , pero meron silang excuse noon kasi nga di sila well informed they thought it’s just an additional expense not knowing fully well it’s for their protection.

We are so Lucky today, kasi we are in the era of Information and Communication Technology —computers, social media – If we need information about something we just have to search for it.
Yes, A lot of things change na, we should adapt or mapag iiwanan ka sa mga kaganapan na makakatulong sana if you just take time to listen & learn, Sa panahon ngayon If you want to save or Invest your money meron tayong VUL may Savings/Investment ka na Protected pa ang life mo.

Apply Online or you can contact me on my platforms (click link here) or you can DM me. Change is great, Change is Constant, Change is inevitable just like death.

What is Variable Universal Life Insurance (VUL It is a type of Universal Life insurance product that incorporates investments which is the reason why the word Variable.

VARIABLE means ang balik ng iyong puhonan (Investment) ay nakasalalay sa pagtaas o pagbaba ng stock market sa dahilang ito ay pabago-bago at hindi fix. UNIVERSAL or UNIT-LINKED means flexible premium, it can adapt to your budget. LIFE means it is a Life Insurance Product na may Investment component kaya ito ay tinatawag na VU. Ang VUL is a 2-in-one product na pinagsama ang benepisyo ng Income protection at oportunidad na makapag invest, kaya protektado kana, kumikita ka pa. Ang portion ng payment mo ay ini-invest ng Insurance Company sa Stocks, Bonds, Money Market(Mutual Funds). Isa lang ang babayaran automatic na mahahati sa Life Insurance at Investments. Ang Life Insurance na parte ay nagbibigay ng income protection sa iyong pamilya kapag mangyari na ikaw (insured) ay wala na. Sa VUL ang makukuha o benepisyo ay DISABILITY, DEATH and LIVING Benefits.

The following are some of the basic product Riders of a VUL:

• Death Benefit – is usually equal to the face amount of life insurance which can be found in the “face” of the life insurance policy. The Death Benefit is the amount that the beneficiaries of the policy will receive once the insured dies.
• Accidental Death Benefit – is the amount that the beneficiaries will receive once the insured dies due to an accident.
• Critical Illness Benefit– is the amount that the insured will get once he/she contracted any of the critical illnesses listed in the insurance policy provided to him.

Fund Allocation (Investment Portion):

• Managed Fund –an arrangement in which a financialcompany invests money in shares, bonds for an organization or group of investors.
• Equity Fund –is a mutual that invests principally in stocks. It can be actively or passively managed. Equity funds are also known as stock funds.

As little as Php28, Php50 or Php100 Savings a day you can have Protection and you can Invest your hard-earned money to the TOP 30 companies in the Philippine Stock Exchange.

Apply Online or you can contact me at my platforms (click link here) you can DM.

Nung malakas pa tayo, mawala lang tayo sa mga mata ng ating mga anak hahanapin kagad nila tayo…

“nasaan si nanay”? kahit ba nasa kusina o sa banyo lang tayo. Ang sarap isipin na they needed us and we are very protective with our kids because that’s our instinct to be there for them. Nung malalaki na sila, syempre tayo matanda na, sakitin, alagain, arugain , slow na di lang sa paglalakad kung di sa pag iisip, and we can’t decide for ourselves na, sila na ang may decision sa lahat ng bagay kasi it’s their time to take care for us.

Ang Mahirap kahit ayaw natin na alagaan wala na tayong magawa;

“nay dun ka muna ke ate”

“Jun ikaw naman mag-alaga ke nanay kasi busy ako this week”

“Nay, may sakit si baby dun ka muna kila kuya”

“Si bunso naman mag-alaga sayo nay, wala na akong trabaho eh”

Pag Tumanda kang walang ipon, para kang naglalaro ng Trip to Jerusalem… Pinag pasa pasahan… palipat-lipat… walang permanente. Ayaw nating mangyari yun di ba? Ang gusto lang naman natin ay yung feeling na we are not a burden to them , gusto natin na di sila nahihirapan sa ating pagtanda ,gusto natin na ma-enjoy nila tayo at ma-enjoy natin ang remaining years ng ating buhay… So dapat, We are Financially Independent not a Burden but a Gift and it’s our responsibility na ilagay sa ayos ang lahat as early as today.

Get A Retirement Plan Now! Sa VUL may Savings/Investment kana Protected pa ang Life mo. We can give you a customized Plan/Proposal depending on your Age, Goals & Budget. Apply Online or you can contact me at my platforms (click link here) you can DM.

Mga mommies …alamin naman natin in depth kung bakit mas “powerful” ang Investing kaysa Saving. Heto na, may pera na tayong pang invest but Paano? how and where? Anong Asset ba ang nag go grow in value? Saan ba natin pedeng palaguin ang ating pera? Mutual funds may be the most suitable investment for you!

Ano ang Mutual Fund? Ang mutual fund ay ang pinagsamang pera ng iba’t ibang investors at ito ay pinangangalagaan ng isangfund manager. The fund manager will then invest the money in different instruments like stocks, bonds, or both, that can potentially make the money grow long-term.

1. Money Market Fund –Kung sandali lang ang gusto mong byahe, at kakailanganin mo yung pera ng madalian,you can get a money market fund where the money is invested in short-term debt securities (bonds). It’s less risky than other funds, but it also has low returns.

2.Bond Fund –Kung kakayanin mo naman ang byahe na medyo matagal ng kaunti,meaning you’re somewhat in between short-term and long-term investing, you can consider investing in a bond fund. Simply put,ipapautang ang pera sa gobyerno o sa mga company sa Pilipinas kung saan tutubo ito ng interest.It has lesser risk than other funds,at mas malaki ng kaunti ang returns compared sa money market funds.

3. Balanced Fund –Isa pang bagay na mutual fund para sa medium-term investor ay ang balanced fund.The money is invested in bonds and also in the stock market. If you’re willing to take a risk, but not too much, and you want higher earning potential than a bond fund, this is an option for you.

4. Equity Fund –Lastly, kung kaya mo naman ang malayuan na byahe na tatagal ng 5 years or more, at naiintindihan mo ang mga risk sa stock market at willing ka naman tanggapin ito para sa posibilidad na mas malaking kita ng pera mo, equity fund ang bagay sayo.There are more types of funds depending on the company offering them.What’s important is that you know: Where does the money go? How long can you wait? and How much risk can you take? So if you want to be diversified, invest a small amount, and have someone who will do the thinking and monitoring of your investments of have a fund manager.

If you want to Invest to Mutual funds thru VUL – Apply Online or you can contact me at my platforms (click link here) you can DM.