Investment Advice

[hinlog]

Hinde naman libre un insurance component ng VUL. Kung ayaw mag opt out, may option to do the fund switch if the risk is too much to handle. Personally, if I am the agent at wala naman kailangan to meet product allocation, I will not sell VUL, napakaliit lang ng commission sa VUL kumpara sa traditional life insurance.

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[dr. d]

pag sinabing mayroong risk,
mayroong risk talaga!

if you want relatively risk-free, you have to settle for less interest earnings.
ganun lang.

if the future can be predicted, then it won't be risk-free 'no more.

[dreamur]

I have VULs with BDO and BPI. Parehong lugi so hindi ko na lang ginalaw so paper loss pa lang. Kids will eventually reap the benefits. Hehe

Got another form of life insurance though - Prulife PruM and FWD All Set Higher. With quarterly dividends of 4% to 6%. A lot better than VUL.

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[papi smith]

Kailangan ng mahabang pasensya ng mga kumuha ng equity based VUL at the open of 2018. Down 30% to date.