The Young Investor

The best health protection plan that you can give to your loved ones.

Retirement is your longest holiday. No work, no income but expenses are still present.

Prepare ahead so that you won't need to depend on your children. In that way, your children can also prepare for their retirement and your grandchildren can also prepare for theirs ♥️

Start creating a good cycle in your family.
Let us PLAN your FUTURE as early as NOW.

Message me to know more!



-ctto

As long as you believe in yourself and you have a burning desire to achieve your dreams, nothing can stop you from achieving them, not even your
teacher.💯✌

Ready for Policy Contract delivery for brighter promise🌞🌞🌞
Congratulations to all my clients for making a bright decision to start something for your future and as provider of your family!

My goal is to secure each breadwinner and responsible family members to have less worries for the future!

Thank you for choosing me as your Lifetime Partner! ✨💖

✨🙋‍♀️

Before you say NO to a Life INsurance policy.......

think your future and your family's future.
Know your priorities.

Get a FREE Quote NOW
👉🏼 https://www.facebook.com/TheYoungInvestorPH/

or pm me on my personal fb account
👉🏼
https://www.facebook.com/graziey.lasquite
👩🏻Irene Garcia | Licensed Financial advisor



🌞🌞
👨‍🏫👨‍🏫

TRIVIA:
Variable Universal Life Insurance (VUL) or Mutual fund (MF)

Madami nagtatanung kung ano ba dapat nila unahin kung VUL daw ba or MF. Ano daw ba mas maganda?ano ba yung mas ok unahin?

Magkaibang magkaiba ang VUL at MF.

VUL is INSURANCE with INVESTMENTS while MF is pure investments.

-If you're for short term (5 years) money gain then go with MF (still not guaranteed base padin sa phil market)

-If you're expecting money gain in less than 10 years then dont go with VUL. Pero kung long term naman goal mo like retirement or more than 10 years from now. you can consider VUL.
Priority ng VUL ang insurance at bonus niya ang investment na pwede mo magamit for your retirement or education ng anak mo kung more than 10 years from now,at the same time insured ka pa.

PERO ANO BA DAPAT KONG UNAHIN?

Ganito yan,

Kung susundin natin ang financial pyramid dapat pinakabasic na meron tayo is Life/health insurance.

Bakit? Dahil life uncertainties can happen to anyone.

Scenario. mas inuna ni juan (bread winner) ang kumuha ng pure investments, life uncertainty happens to juan nagkaron ng major critical illness or worst death, ang tendency nito ay possible na withdraw nya pera niya sa investment niya para makatulong sa pagpapagamot.

What if kung may life/health insurance sana siya? possible na hindi niya nagalaw investments niya.

2. Wealth accumulation or investment

Dito na papasok ang pure investments, as long as enough ang life insurance at meron na health insurance. then go with MF para mas maximize ang gain,

Anytime pwede ka makakuha ng MF kahit nagkaron kana ng critical illness or may health issue, while VUL once naunhan ka ng health issue worst case ma decline ka na kahit willing ka magbayad ng million for your insurance,

Again: if you really want for your money to gain in short period of time (5years)then go with mf,but please if ever mag mf kayo do it regularly,wag yung makapag open lang hindi na dagdagan.

Pero kung long term ka naman then gusto mo may taga push sayo to save and gusto mo din may insurance na kasama you can consider VUL. Pareho silang not guaranteed still depends on phil market.

Know your priorities.

Get a FREE Quote NOW
👉🏼 https://www.facebook.com/TheYoungInvestorPH/

or pm me on my personal fb account
👉🏼
https://www.facebook.com/graziey.lasquite
👩🏻Irene Garcia | Licensed Financial advisor

May balak ka ba ngayong bumili ng bahay, condo, o lupa na naka-bank loan o Pagibig Funding at gusto mo pang makatipid at makasulit?

Kung oo, alam mo ba na every loan application, isa sa mga binabayaram mo ay MRI (Mortgage Redemption Insurance) for assurance na di mawawala ang pinag hirapan mong pinundar kung sakaling may mangyari sayo at maputol ang pagbabayad mo. Normally package na un sa loan application mo. Okay na dba?

Eto pa maganda, para maka sulit ka at mas makatipid pwede mong gamitin ang existing insurance mo ngayon. Nakabawas ka pa ng loan application expense!

Marami na kaming clients na nagamit nila ang Sun Life plan nila. Covered na ang loan, meron pang kasamang savings/ hospitalization benefit. Walang tapon. Nakatipid ka na, nakasulit ka pa. 😉

Let me help and guide you. Financial Advisor at your service! 👨🏻‍💻

Did you know that giving love offerings or “Abuloy” to a bereaved family is a good example of risk sharing in a community?

This act of kindness comes in the form of money given to the family who has lost someone to help them with the burial expenses, and in most cases to help them cope financially, especially if they have lost a breadwinner.

Insurance companies operate under the same principle, wherein, they collect premiums from their clients with the objective of helping the community in risk sharing in case of untimely death from its members. The money they collect and manage, are given as benefits to policyholders’ families who experience death in their family to help them move forward and cope with the death of a family member. In most cases, beneficiaries are able to survive with the loss of income from the death of a loved one, and still manage to fulfil their obligations and dreams like keeping their children in school and keep their worldly possessions within the family.

So, if the love offerings will be the last income you will be able to bring to your family when you die, ask yourself; would you like your “abuloy” to come from just family and friends or, would you like it to come from your insurance policy?

Getting Life Insurance must be a mutual decision between husband and wife.
It's a life changing decision that benefits the entire family.

So, husbands and wives protect yourselves! Protect your income, protect your assets, protect your family and your family's future.

Get insured now with Sun Life.🌞
Please PM me, I'm glad to help you. ❤️

Q&A with Chinkee Tan

(Zoom webinar on Term insurance vs Variable insurance, April 29, 2020, 4pm-5pm):

Q: I’m 40yo with 2 kids. Anong suggestion mo na bilin ko for my kids, term or VUL?
A: If u have excess money, you can buy policies for your kids. BUT if limited ang funds, protect yourself first. Insure yourself first. You always cover the breadwinner muna.
Sa airplane, ang adult ang mas pinoprotektahan dahil kapag ang nag-pass-out yung adult, hindi mapoprotektahan ang anak. Same thing with insurance.

Q: What are the disciplines I need to build my emergency fund?
A: Believe me, automation is the key. Make a formula, a percentage formula. Ito yung ginagawa ko ever since I started earning:
50% of my monthly income goes to my basic expenses
25% of my monthly income goes to savings and investments and business
25% I spend kung saan ko gusto
Yan sinusunod ko, regardless of the amount of my income.

Q: Is it wise to have both term and VUL?
A: Complicated discussion ito ah. To make it simple, I have both. I have VUL para sa long term. But I also have term para lumaki pa coverage ko habang nag aaral mga anak ko ngayon. Lahat ng mortgages ko (car and home), nakacover yon through term insurance. Pero pag natapos na ang payment years ng mortgages ko, di ko na kailangan ng term non. And tapos na din mga anak ko mag aral non. So by that time, I can let go of my term insurances. At ang mahal na ng premiums ko non. Pero in terms of my retirement fund, ang pangcover ko don ay VUL.
(In short, ang purpose ng term ko ay: higher insurance coverage for the meantime (habang may car/home loans ako and habang nag aaral mga anak ko.
Ang purpose ng VUL ko: retirement fund and permanent life insurance).

Q: I availed of VUL 3 yrs ago. Now the market is down. So my Fund Value is down by almost 30%. I’m worried.
A: Ano ba ang time horizon ng investment mo? Did you invest for just 3 years? Or for 10 years? It’s just the 3rd year. You won’t lose money until you sell. You’re not selling naman. So wag ka mabahala. You’re not losing any money now. Paper loss lang yan. Nasa 3rd year ka pa lang. Eh 10 years to pay yang plan mo diba, or even longer. In fact, this is the best time to add more premiums. Sabi ni Warren Buffet: when everyone is afraid, be greedy. When everyone is greedy, be afraid. When the market is down and there’s no business, be greedy; dun ka mag invest, dun ka bumili ng mga bahay na low-priced at bagsakan sa presyo. When the market is up and everybody’s happy, be afraid. That’s not a good time to invest.

————-

How to compute for your peace of mind (life insurance):
1. Multiply monthly expenses x 12
2. Add 0.

Sample:
P20k ang monthly expenses mo.
Multiply it by 12 (months).
It becomes P240,000.
Add 0.
It becomes P2,400,000.

Yan ang ideal life insurance coverage mo (worth 10 years of expenses mo, para magsurvive ang family mo for the next 10 years kahit wala ka na.)

———-

Final message
We’ve been through worse times: Pinatubo, Yolanda, earthquakes.
Keep the faith. We’re a resilient race.
What this covid made us realize is we can live on basic things.
For more than 40 days, all of us haven’t eaten in fancy restaurants or bought frappucino.
We now realize ano yung mga mas mahalagang bagay like health and family.

This is the time to adjust. How can I adapt? How can I adjust? How can I adjust my finances to this kind of lifestyle? How can I adjust my business?
Don’t refuse to change. If you do not change, you will die.
Don’t be afraid to re-invent.
This is the best time to think, to be creative. Ask God for guidance.
There are opportunities. Kailangan lang natin mag isip and be creative and be willing to experiment, to adjust, to change.

CTTO