Results 11 to 20 of 109
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June 17th, 2014 05:37 PM #11
My salary is not enough to cover my expenses so when my family gifts me with cash, that's what I try to save. During my first job were were offered shares in GBP for a very low price. I made a good profit there when I had to sell it when I resigned. I had very low risk there since part of the share prices were paid for by the company. I was given a test on my risk appetite and I scored low. Kaya hindi ako yumayaman e
Isn't retirement pay standard for companies? You only need to stay for X number of years to qualify. In my current job, it's only a percentage of your salary like what Qwerty posted. In my first job it was automatic 150% of salary X years of service.
Those VUL stuff all sound greek to me. Hindi maganda yung nagbenta sakin ng una, I wasn't given much options and explanation so I only got the simple life insurance. I got Manulife. I should have gotten Sunlife.
We have a similar scheme. It increases for every year of service.
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June 17th, 2014 05:42 PM #12
Yung nagbenta sakin hindi rin ganun kagaling. Parang napakauninformed niya about other options (stocks, MF, UITF). Ang kabisado niya lang is yung products nila, and parang memorized pa as opposed to an intrinsic understanding of the product.
Kaso mom siya ng friend ko, so gusto ko rin makatulong and help her have a new client. So ako nalang nagbasa and nagresearch about VUL, whole life, and term insurance.
Then nagpacompute nalang ako ng options, tapos from there ako nakadecide na parang pinakasulit for me VUL since macacapitalize ko yung compounding growth since bata pa naman ako and it would take a while before I need to claim my insurance coverage.
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June 17th, 2014 06:40 PM #13
Stocks via BPITrade and BPI UITFs. Monthly ang add ko dyan. I want to buy some real estate din sana, just looking for options. Dami kasi kapag sa province, pero pangit lahat ng locations. ehehe!
Last edited by slapz; June 17th, 2014 at 06:46 PM.
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June 17th, 2014 06:52 PM #14
I am sustaining monthly additional deposit to my (two) Mutual Funds both in Equities, paying annually to my Healthcare from Kaiser, and monthly additional deposit to PNSLAI. I'm still in the Debt Management phase, I plan to pay the remaining balance of my car loan this August [1.5 year] by God's grace so that I could optimize my investment. My next target is to complete that amount of 6x monthly income for my Emergency Fund.
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June 17th, 2014 06:53 PM #15
Check out PhilamLife's HealthInvest -- accident, critical illness and acts of God covered plus you can choose the fund you can invest your money in and it grows annually. Ten years to pay lang and after that it will keep on growing for you. The rates of return depend on the fund you choose. I chose the more aggressive strategic fund so minimum return is 4% and conservatively, it can go up to 11% annually.
Pero if mahilig kang magbutingting ng stocks on your own, Citisec online is the way to start. :-)
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June 17th, 2014 07:02 PM #17
I'm just a member in their FB page. Search and Like TGFI [The Global Filipino Investors] page, there you can learn many investment vehicles and about RISKs of each investment.
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June 17th, 2014 08:30 PM #19
Just started in Insurance Brokers-Zurich, I regret why I did not do this before...but it's not yet too late.
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June 17th, 2014 08:36 PM #20
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