money Financial Planning

[JohannBeckham]

Tingin ko kaya sir kaya lang stick ako sa strategy ko, which is 60% ang iniinvest ko. Sabi ng financial advisor ko 2021 daw. Maswerte lang siguro ako kasi maaga ako nagsimula at wala akong sinusustentuhan...ako pa nga ang nagpapasustento 😂 Pwede na akong mag-asawa...yung mapapangasawa na lang kulang 😂😂😂

Kailangan mo ng dating services na ino offer ni neville. Murang mura lng daw ang singil nya sa tamang halaga. Neville sino mare reto mo?

Edited September 12, 2019 by JohannBeckham

[Papa Popoy]

Kailangan mo ng dating services na ino offer ni neville. Murang mura lng daw ang singil nya sa tamang halaga. Neville sino mare reto mo?

Wahahahahahaha

@neville palitan na natin ng dating room itong financial planning room mo 😂😂😂✌️✌️✌️

[K0RN - RETIR3D]

Di ako nakatiis, naghanap na rin ako ng pagkakaiba ng Mutual Funds sa UITF. Baka kako sa terminologies lang nagkakatalo at halos lahat kayo nasa abroad. hahaha

 

Mula po ang infographic sa https://www.securitybank.com/blog/investing-101-uitf-vs-mutual-fund-vs-vul/

 

 

uitf-mutual-vul-blog-infographic (2).jpg

 

 

Daragdagan ko pa ang Mutual funds ko (come to think of it, minsan may natatanggap nga akong email tungkol sa shareholders' meeting ng mutual funds ko hehe). Target ko, PHP 1 Million minimum pa rin. US 1 Million in today's value by the time i turn 60...which is 19 years from now.

 

Galingan ninyo sa financial journey rin ninyo.

 

Yep, kape tayo pag-uwi ninyo mga sir. Mahabang kuwentuhan tayong lahat niyan.

 

Hahaha, Doña Neville? Kaloka kayo. :D

 

With the inforgraph, I'd Pick VUL First especially if your still in your 20's since mas mababa pa ang premium na binabayaran mo compared when you're older (I pay mine at 80K Annually with Critical Illness Rider as a Safety).

 

If masipag ka naman tumingin sa Stock Market, better invest there kesa either UITF or MF since may mga charges pa na napupunta sa mga Fund Managers. Plus sila din yung magdedecide which stocks to buy/sell compared kung ikaw magdedecide (especially if you'll go into Active Trading).

[sexycayote]

 

With the inforgraph, I'd Pick VUL First especially if your still in your 20's since mas mababa pa ang premium na binabayaran mo compared when you're older (I pay mine at 80K Annually with Critical Illness Rider as a Safety).

 

If masipag ka naman tumingin sa Stock Market, better invest there kesa either UITF or MF since may mga charges pa na napupunta sa mga Fund Managers. Plus sila din yung magdedecide which stocks to buy/sell compared kung ikaw magdedecide (especially if you'll go into Active Trading).

 

To add: if you're after growth of your funds, VUL won't be a good investment vehicle. The primary purpose of the investment portion of the VUL is to sustain the insurance charges.

 

Compared against directly investing in a fund, you get better returns with the fund. If you want to directly manage your finances, another option to look at is BITD (Buy Term and Invest the Difference).

[Papa Popoy]

To add: if you're after growth of your funds, VUL won't be a good investment vehicle. The primary purpose of the investment portion of the VUL is to sustain the insurance charges.

 

Compared against directly investing in a fund, you get better returns with the fund. If you want to directly manage your finances, another option to look at is BITD (Buy Term and Invest the Difference).

Agree..Para sa akin hindi maganda ang VUL..maganda ang marketing strategy ng mga insurance company pero sa totoong buhay ambaba ng interest compared to as advertised (by the way, i have a VUL from prudential). Para sa akin ETFs ang best option...mataas ang return, mababa ang fees, highly liquid and no need to invest much time. Whatever investment you choose, ang suggestion ko is diversified dapat. Edited September 12, 2019 by Papa Popoy

[JohannBeckham]

 

With the inforgraph, I'd Pick VUL First especially if your still in your 20's since mas mababa pa ang premium na binabayaran mo compared when you're older (I pay mine at 80K Annually with Critical Illness Rider as a Safety).

 

If masipag ka naman tumingin sa Stock Market, better invest there kesa either UITF or MF since may mga charges pa na napupunta sa mga Fund Managers. Plus sila din yung magdedecide which stocks to buy/sell compared kung ikaw magdedecide (especially if you'll go into Active Trading).

If you want to waste money on expensive insurance plus expensive investment vehicle, and donate your hard earned dollars to insurance companies, then buy VULs. And do that while your young e.g. in your 20s to screw potential growth due to compound interest, and voila you have significant less money in retirement.

 

Otherwise, just buy term insurance and invest the rest in passive investment such as index fund/ETF.

[K0RN - RETIR3D]

 

To add: if you're after growth of your funds, VUL won't be a good investment vehicle. The primary purpose of the investment portion of the VUL is to sustain the insurance charges.

 

Compared against directly investing in a fund, you get better returns with the fund. If you want to directly manage your finances, another option to look at is BITD (Buy Term and Invest the Difference).

 

 

Agree..Para sa akin hindi maganda ang VUL..maganda ang marketing strategy ng mga insurance company pero sa totoong buhay ambaba ng interest compared to as advertised (by the way, i have a VUL from prudential). Para sa akin ETFs ang best option...mataas ang return, mababa ang fees, highly liquid and no need to invest much time. Whatever investment you choose, ang suggestion ko is diversified dapat.

 

 

 

If you want to waste money on expensive insurance plus expensive investment vehicle, and donate your hard earned dollars to insurance companies, then buy VULs. And do that while your young e.g. in your 20s to screw potential growth due to compound interest, and voila you have significant less money in retirement.

 

Otherwise, just buy term insurance and invest the rest in passive investment such as index fund/ETF.

 

 

I was referring to the Inforgraph posted to which can be a better investment vehicle. But given another choice, BTID would be the best option for everyone to consider.

 

But still to each his own still why one prefers the other.

[Papa Popoy]

If you want to waste money on expensive insurance plus expensive investment vehicle, and donate your hard earned dollars to insurance companies, then buy VULs. And do that while your young e.g. in your 20s to screw potential growth due to compound interest, and voila you have significant less money in retirement.

Otherwise, just buy term insurance and invest the rest in passive investment such as index fund/ETF.

If i am not mistaken, index fund is same as mutual fund. I still think ETF is the best passive investment.

 

I was referring to the Inforgraph posted to which can be a better investment vehicle. But given another choice, BTID would be the best option for everyone to consider.

 

But still to each his own still why one prefers the other.

 

Yes, depende pa rin sa preferences yan, but try mong mag-invest sa ETF. After 3years compare mo. Baka isa ka na rin sa magsasabing mag-invest sa ETF 😜

[K0RN - RETIR3D]

Yes, depende pa rin sa preferences yan, but try mong mag-invest sa ETF. After 3years compare mo. Baka isa ka na rin sa magsasabing mag-invest sa ETF

 

Thanks Paps. Pang-Tamad ba yan?

[Papa Popoy]

Thanks Paps. Pang-Tamad ba yan?

 

Dito sa sg pramis pang tamad 😂 seriously, pangtamad sya. Nag-sign-up lang ako for few minutes at naglagay ng initial deposit (ibanking transfer) naghintay ng 1 araw for approval then simula na ng pagyaman 😂😂😂 every month naglalagay ako ng fixed amount...ay hindi pala fixed kasi nagbabago pag nagbabago sweldo ko.

Hindi ko lang alam sa pinas kung ganyan din kadali. Natry ko kasing mag-MF sa pinas, ilang araw din ang lumipas bago magstart...ang pag-init ng ulo ko sa tagal 😂😂😂✌️✌️✌️ Joke lang..hindi ko na kasi matandaan

[MRROUGHSEX]

MRS, bkit ka pa lalabas ng bahay to go to the Spa when the SPA can just simply go to your house??? Lol!

Haha lakas ng loob. Bakit nagagawa mo ba dyan yan? LOL Lagot ka ke esmi pag nahuli.

 

I'll let you show me around the nice "spas" there kung meron when I visit Australia. Dati ko pa inaasinta yan for vacation. I love nature kasi of which Australia has a lot to offer.

[MRROUGHSEX]

Tingin ko kaya sir kaya lang stick ako sa strategy ko, which is 60% ang iniinvest ko. Sabi ng financial advisor ko 2021 daw. Maswerte lang siguro ako kasi maaga ako nagsimula at wala akong sinusustentuhan...ako pa nga ang nagpapasustento Pwede na akong mag-asawa...yung mapapangasawa na lang kulang

Hanap lang tayo sa spa thread.

 

Or baka me mga beautiful prends si Neville dyan na single (or kahit hindi, ok lang sakin haha). Pakilala mo naman sa amin ni Papa Popoy.

[Papa Popoy]

Hanap lang tayo sa spa thread.

 

Or baka me mga beautiful prends si Neville dyan na single (or kahit hindi, ok lang sakin haha). Pakilala mo naman sa amin ni Papa Popoy.

 

Wahahaha

Darating din yan...sa panahong hindi natin inaasahan 😜 may ipapakilala ka nga ba sakin neville? 😂✌️ Yung maganda, mabait at kaya akong sustentuhan 😂😂😂✌️✌️✌️

Edited September 12, 2019 by Papa Popoy

[neville]

Wahahaha

Darating din yan...sa panahong hindi natin inaasahan may ipapakilala ka nga ba sakin neville? ✌️ Yung maganda, mabait at kaya akong sustentuhan ✌️✌️✌️

Lol. Maganda at mabait, meron. Susustentuhan ka? Asa.

Edited September 12, 2019 by neville

[Papa Popoy]

Lol. Maganda at mabait, meron. Susustentuhan ka? Asa.

Wahahahaha

Hindi naman ako masyadong maluho 😜 tanggap ba nila kahit panget, hambog, bobo, pandak at hampaslupa?? 😂