Jump to content

neville

DIYOSA 2
  • Posts

    8991
  • Joined

  • Last visited

  • Days Won

    1

neville last won the day on October 30 2013

neville had the most liked content!

Profile Information

  • Gender
    Female
  • Interests
    reading, vegetarianism, meditation, art, travelling, daydreaming, writing

Recent Profile Visitors

7567 profile views

neville's Achievements

Explorer

Explorer (4/14)

  • Well Followed Rare
  • Reacting Well Rare
  • First Post Rare
  • Collaborator Rare
  • Posting Machine Rare

Recent Badges

379

Reputation

  1. SKL mahirap pala talagang maglaba.
  2. Marshall. Four years of good sound and counting.
  3. Career. May sense of fulfillment at achievement, lalo na kaoag natapos mo ang isang mahirap na trabaho tapos ang ganda ng rewards. Kaya kang buhayin ng career, ang love, aawitan ka lang.
  4. Insurance ang VUL. Insurance na nilagyan ng mutual fund para lang mas lumaki ang value. Don't think of it as an investment. Instead, look at it as future protection for your family should you bite the dust earlier than expected. MP2 naman, stuck for five years. May listahan ang PAG-IBIG ng mga dahilan para tanggapin ang early withdrawal ng MP2 mo. Kung kailangan mo ng liquid na investments na walang masyadong losses, go for bank savings or money market funds.
  5. Savings ang una kong naiisip. Kasi kailangan ay liquid cash para sa panahong may sakit ka and all. Kung target talaga ay insurance na walang check-up? SPVUL ang naiisip ko. SPVUL is Single-Pay VUL. Pero dapat may pera kayo kasi 500k-1M ang minimum one-time payment requirement nito. Puwede raw itong magamit sa estate matters or estate tax kapag namatay na ang policy holder. At confirmed ng Insurance agent ko sa Sun Life na walang check up ang SPVUL. Cough up the money nga lang.
  6. Kung financial protection ng pamilya mo ang habol mo, bata ka pa (20s to early 30s), at may extra kang pambayad ng insurance, go for Sun Life. AIA okay din naman. Pero kung investment habol mo, isa sa safest investment platforms ay PAG-IBIG MP2. Okay din ang Retail Treasury Bonds pero may tax, unlike MP2 na tax-free. Pero may 5 year lock in period sila kaya di ka dapat basta maglagay sa kanila kung hindi ayos ang safety net mo aka savings. Kung cash flow investments ang gusto mo, pag-aralan mo ang dividend investing. Pero ihanda mo bulsa mo para dito kasi malaki ang puhunan sa stock market na gagamitin para malaki rin ang dividend payout mo.
  7. I'm looking for advices from financial planners and rich folks who managed to retire early. I'm 35 this month, no dependents and projecting I will be single forever. Currently, I have savings and mutual funds. Im also paying off my card debt which will be paid off by november and personal loans which in my current plan, will be paid off next year. I have work and plan to take my Master's next sem. What investments do I need to buy for my long term gain? Should I tweak my budget and payment scheme to reach my goals quicker? Thanks!
×
×
  • Create New...