Financial Care with Khar

REAL TALK: SAAN AABOT ANG 13TH MONTH PAY MO?

With our resource speaker MR. CHINKEE
December 9, 2022 at 6:00pm via Zoom.

Simply register by:
• scanning the QR code or
• accessing the link

Looking forward to seeing you in this informative forum!
Thank you!

SET UP YOUR PAMANA PARA SA MAHAL MONG PAMILYA WITHOUT SAVING UP AND WAITING FOR DECADES PARA MABUO ITO.

In one of my client meetings, my client asked me, paano ba niya maiiwanan ang pamilya niya ng milyon, eh "AVERAGE INCOME EARNER LANG" siya?

He told me, willing siyang magtabi ng 1,500, then mag-adjust sila ni misis sa budget para total of 3,000 ang maihulog nila buwan buwan.

This client is 40 years old.

We used the figures he gave to paint a scenario if he and his wife opted to save the 3,000 sa bank. Magkano nga ba ang pera nila?

BANK SAVINGS:

🥰Year 10 (age 50): 360,000 plus interest earned (maliit, huwag na tayo magbolahan)
🥰Year 20 (age 60): 720,000 plus interest
🥰Year 30 (age 70): 1,080,000 plus interest

Then I had him reflect on these conditions:

🧐 How sure are we, na walang mangyayari sa atin in the coming 10, 20, or 30 years? With the bank, kung ano ang laman at the time of death, yun na din mismo ang matatanggap ng family mo.
🧐 Whatever you leave sa bank could be subject to asset freeze, then document submission before it will be turned over sa mga beneficiaries mo, then the amount will be subjected to 6% estate tax.
🧐 How sure are you, na for example at age 70, INTACT yang 1,080,000? Hindi ba kayo magwiwithdraw ng pamilya? What if may magkasakit? Or mahospitalize?

After doing a lot of reflection, I presented insurance with investment ni Pru.

Here are the benefits:

INSURAVEST WITH PRU LIFE UK:

🥰 From Day 1, if ang committed savings ni client ay 3,000 per month, insured siya ng 1,500,000. From Day 1, basta na issue na ang policy, may peace of mind. YES, kahit 3,000 pa lang ang nahuhulog, kahit may mangyari kay client, assured ang pamilya niya ng 1.5M.
🥰 The beneficiaries will receive the full amount. Wala itong estate tax.
🥰 Throughout the years, kahit magwithdraw, or maaksidente ang client, yung death benefit na 1.5M will stay intact. Yup! Savings ito na may insurance, and availing the investment component (halimbawa may partial withdrawals) will not affect the insurance value.
🥰 Ang projected investment niya at age 70 ay 1.6M. Anong mangyayari if tinawag na si client ng Panginoon? The beneficiaries will receive BOTH the sum assured (1.5M) and the investment fund value (1.6M) for a total of 3.1M.

Kaya kung sa tingin mo average income earner "ka lang", think again. It's actually where you place your money strategically to make it work for you. Ilagay mo kung saan accessible (bank), pero maglagay ka din kung saan may magbabayad in case magkasakit or maaksidente or disabled ka (insurance). At higit sa lahat, kahit one month pa lang hulog mo, may naiready ka na na milyon para sa pamilya mo.

Almost two centuries globally.
Almost three decades in the Philippines.
When you choose Pru, you are partnering with an industry giant.

Start na natin ang plan mo! 🥰

Khar Yboa
Licensed Financial Advisor
BSP-Certified Investment Advisor
[email protected]

When is the BEST TIME to get your child’s insurance?

TODAY, is the BEST TIME to get a protection and investment plan for your child.

Sabi nga nila “the younger you get insurance the better”, ito kasi yun time na healthy pa ang isang tao at may chance na magkaroon ng maganda at malaking health coverage that will give a QUALITY HEALTH CARE. This is also the best time to invest because INVESTMENT need time to grow. Imagine pag laki ng anak mo may ready funds na sya for business or possible pang college even in other country.

Tara usap tayo 😀
Let’s customize your child’s plan according to your goals.

PROTECT THE ONES YOU LOVE♥️

It’s almost Christmas. If you are thinking a GIFT for your spouse that is worth so much for your family. Give each other INSURANCE. This will give assurance to your family that no matter what happens, YOU will still be there to PROTECT their future.

“HINDI HABANG BUHAY ANG TRABAHO ABROAD”.

I’m glad to assist my recent OFW client to prepare for her RETIREMENT.

Client :”hindi habang buhay malakas ako at hindi habang buhay magtratrabaho ako abroad.”

A SAD REALITY, most of our OFWs spend their lives working abroad to provide for their loved ones. Madalas nakakalimutan na nila paghandaan ang kanilang RETIREMENT.

Do you want start to PREPARE for your RETIREMENT?

Tara usap tayo. Let’s customize your plan according to your needs and goals. 😀

Maraming Salamat po sa mga taong nag-tiwala at sa mga magtitiwala pa.

Para sa inyong lahat po ito. 😊

Being recognised for hard work last September.

Thank you Lord🙏

Improve your FINANCIAL SAFETY NET by adding CRITICAL ILLNESS coverage.

Client: Ako kasi ang BREADWINNER ng family, “kung mawala man ako sa hindi natin inaasahang pagkakataon”atleast sigurado ako na may maiiwan sa mga anak ko. (Yun tipong mapapa- sana all ka na lang na lahat ng tao most esp breadwinners ganito mag isip)😀.

Malaki man o maliit na pag-iipon upang mapangalagaan ang ating mga mahal sa buhay, ay siguradong di natin pagsisihan pagdating ng araw.

Tara usap tayo 😀. Let’s customize your plan according to your needs and goals.

Mas kakayanin ko ang 2,000 buwan-buwan kesa sa 2,000,000 biglaan.

When my client mentioned this to me during our meeting, it really makes me feel accomplished. 😀 Sabi nya she realize daw having a SAFETY NET can guarantee her and her family sa kanilang NEEDS if UNCERTAINTY happens.

Friends, if you are saving a certain amount every month, why not allocate SOME of it towards BUILDING your SAFETY NET.

FINANCIAL SAFETY NETS

✔️Emergency Fund
✔️HMO
✔️Critical Illness Coverage
✔️Income Replacement Fund

Tara usap tayo 😀
Let’s customize your plan according to your needs and goals.