Boooya Posted March 30, 2023 Share Posted March 30, 2023 Anong insurance company ang maganda pagkukuha ng VUL? Quote Link to comment
glc69 Posted April 1, 2023 Share Posted April 1, 2023 On 3/31/2023 at 2:42 AM, Boooya said: Anong insurance company ang maganda pagkukuha ng VUL? sunlife pero mag Pagibig MP2 ka na lang Quote Link to comment
jamesbalingit Posted April 3, 2023 Share Posted April 3, 2023 Net worth ko as of now Bpi checking --- 1688 Main ---3367.67 Dollar ---608.25 Aub Checking ---340 Main ---743 mula 11 million pesos ang net worth ko last week at 4,400 usd may the universe grant me strength and guidance that I may overcome this and earn more and save big Quote Link to comment
neville Posted April 5, 2023 Author Share Posted April 5, 2023 On 3/31/2023 at 2:42 AM, Boooya said: Anong insurance company ang maganda pagkukuha ng VUL? 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. Quote Link to comment
neville Posted April 5, 2023 Author Share Posted April 5, 2023 On 6/9/2022 at 6:39 AM, Blue Boy said: Yeah, di na ako sumubok sa iba kasi mare-reject din naman ako. So anong option nating mga may pre-existing condition na hindi ma-approve for life insurance? 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. Quote Link to comment
bradbro Posted May 18, 2023 Share Posted May 18, 2023 wala akong kaplano plano sa financials, pero kung may advice kayo sa mga magsisimula palang, ano kaya una dapat gawin? lalo na di naman kalakihan sweldo, halos paycheck to paycheck lang haha Quote Link to comment
Boooya Posted May 23, 2023 Share Posted May 23, 2023 On 4/1/2023 at 12:35 PM, glc69 said: sunlife pero mag Pagibig MP2 ka na lang Mas okay ba MP2 kesa sa VUL? Quote Link to comment
MinsanLang Posted May 24, 2023 Share Posted May 24, 2023 15 hours ago, Boooya said: Mas okay ba MP2 kesa sa VUL? MP2 mas liquid. VUL you cannot liquidate without taking massive losses. Quote Link to comment
MartinDomingo Posted May 29, 2023 Share Posted May 29, 2023 kaya ko gawin to if i put my mind into it Quote Link to comment
Boooya Posted May 30, 2023 Share Posted May 30, 2023 On 5/24/2023 at 3:31 PM, MinsanLang said: MP2 mas liquid. VUL you cannot liquidate without taking massive losses. Aaah, okay2x. But in terms of growth? Quote Link to comment
neville Posted June 9, 2023 Author Share Posted June 9, 2023 On 5/31/2023 at 6:00 AM, Boooya said: Aaah, okay2x. But in terms of growth? 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. Quote Link to comment
Ben.Dover Posted June 10, 2023 Share Posted June 10, 2023 Maraming youtube for financial advices but mostly summary: Before mag invest sa stocks or anything save up muna ng emergency money minimum to 6 months before din mag invest as much as possible bayaran mua utang kung plan kung para saan ba yung investment Inaapply ko yung mga advices nila. Dinagdagan ko lang ng nililista ko lahat ng gastos ko para dun ko nalalaman kung saan napupunta pera ako at kung ano yung pwede tanggalin sa gastos sa oras na kagipitan. Maganda sana sa skwelahan pa lang tinuturo na Financial Education siguro bago maggraduate sa college 1 Quote Link to comment
dvclem Posted June 11, 2023 Share Posted June 11, 2023 I invest in stock and try go get 15-20%profit a year, conservative return pa to basta wag lang maging greedy. Quote Link to comment
Boooya Posted June 14, 2023 Share Posted June 14, 2023 On 6/9/2023 at 12:29 PM, neville said: 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. Thank you paps! Quote Link to comment
charles michael Posted June 27, 2023 Share Posted June 27, 2023 On 5/18/2023 at 9:31 AM, bradbro said: wala akong kaplano plano sa financials, pero kung may advice kayo sa mga magsisimula palang, ano kaya una dapat gawin? lalo na di naman kalakihan sweldo, halos paycheck to paycheck lang haha I suggest try mp2 you can invest as low as 500 pesos last year ang performance nila is 7% dividends. Quote Link to comment
krking Posted June 29, 2023 Share Posted June 29, 2023 Kakaumpisa ko lang sa trabaho so thinking of investing part of my salary. Ano po recommendations for both short and long term investments? Quote Link to comment
combatjames Posted July 16, 2023 Share Posted July 16, 2023 On 6/29/2023 at 11:02 PM, krking said: Kakaumpisa ko lang sa trabaho so thinking of investing part of my salary. Ano po recommendations for both short and long term investments? First ten years Invest on yourself (25% of income) Invest on other instruments (5% of income) Next ten years (assuming natuto ka nung first 10 years) Invest on yourself (15% of income) Invest on other instruments (15% of income or more) Next ten years still (assuming natuto ka nung first 20 years) Invest on yourself (15% of income) Invest on other instruments (30% of income or more) if you do it wisely and prudently, darating ang araw, kahit na in % maliit or same na yung investment mo pero in actual value, malaki na yun kasi lalaki income mo. Quote Link to comment
changedman27 Posted August 22, 2023 Share Posted August 22, 2023 On 3/31/2023 at 2:42 AM, Boooya said: Anong insurance company ang maganda pagkukuha ng VUL? di naglalayo ang mga insurance and investment products kahit iba ibang company pa. instead of anong company, better to look for a good agent na yung interests mo talaga ang binibigay Quote Link to comment
BaileyG Posted November 14, 2023 Share Posted November 14, 2023 On 3/31/2023 at 2:42 AM, Boooya said: Anong insurance company ang maganda pagkukuha ng VUL? Not the direct answer you may be looking for sir, pero I’ve often discussed with friends who work in finance-related industries na it might be better to just separate insurance and investment. Was never a fan of VUL or mutual funds kasi parang performance-wise, mas consistent pa market index kesa sakanila. Unless totally clueless ka about investing in which case, baka better na VUL kesa bank (or worse, magastos mo ang savings). But if you’re timeline is relatively mahaba2 pa naman, parang mas ok pa just plain life+emergency insurance nalang and invest in maybe an index fund. Caveat nalang. Sobrang dami in flux pa man din sa mundo ngayon. If you’re into books, I suggest reading “The Psychology of Money”. Isang lesson dun is that the two most impt factors lang to grow money is consistency and time (yung tagal na ginagawa mo ang boring stuff consistently). Quote Link to comment
TennisElbow Posted November 20, 2023 Share Posted November 20, 2023 On 11/14/2023 at 5:07 PM, BaileyG said: Not the direct answer you may be looking for sir, pero I’ve often discussed with friends who work in finance-related industries na it might be better to just separate insurance and investment. Was never a fan of VUL or mutual funds kasi parang performance-wise, mas consistent pa market index kesa sakanila. Unless totally clueless ka about investing in which case, baka better na VUL kesa bank (or worse, magastos mo ang savings). But if you’re timeline is relatively mahaba2 pa naman, parang mas ok pa just plain life+emergency insurance nalang and invest in maybe an index fund. Caveat nalang. Sobrang dami in flux pa man din sa mundo ngayon. If you’re into books, I suggest reading “The Psychology of Money”. Isang lesson dun is that the two most impt factors lang to grow money is consistency and time (yung tagal na ginagawa mo ang boring stuff consistently). Agree never mixep up investment and insurance. Quote Link to comment
PenetrayShawn Posted November 21, 2023 Share Posted November 21, 2023 On 11/20/2023 at 11:58 PM, TennisElbow said: Agree never mixep up investment and insurance. Rule of thumb na siguro na yung aggressive nila imarket na product, yun yung dapat mag isip tayo ng mabuti Quote Link to comment
BaileyG Posted November 21, 2023 Share Posted November 21, 2023 1 hour ago, PenetrayShawn said: Rule of thumb na siguro na yung aggressive nila imarket na product, yun yung dapat mag isip tayo ng mabuti Kind of like the 2nd cheapest bottle of wine sa menu hehe Quote Link to comment
tombone Posted November 28, 2023 Share Posted November 28, 2023 For Retirement, Passive income is important should plan ahead. Quote Link to comment
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