Miss Invest

My Citi Rewards Card got APPROVED IN 24HRS! No annual fee for life pa yan 😱

🎥 Watch this video for TIPS how to get yours! Referral link in the comments.

🎄 Christmas Shopping Tipid Tips! 🛍

May challenges din ba kayong na encounter at the beginning of your crypto journey? I'm sharing mine in the comments.

✨ 5 Simple Things I do to invest in myself ✨
• Embrace learning — read, pag tinamad I let👂audiobooks/podcasts play on the background while doing sumtn else (take adv of free online content)
• Buy 💄 things that make you feel confident until YOU become confident — gel 💅 are worth it😭
• Prioritize ur mental health — take a break, experience sumtn new, set boundaries
• Declutter
• Budget — lots of free resource to get you started from spreadsheets (DL my budget planner in my bio), buy or DIY cash envelopes.

What are your goals before turning 30? Create your goals in Savings while earning 6% interest!

ITO ANG BEST INSURANCE 👉PARA SAYO👈

I met 3 Millennial clients.
Eto yung pinili nilang plans:
1️⃣ Lifetime Life Insurance coverage with scheduled and guaranteed cash payouts at 5k a month
2️⃣ Lifetime Health AND Life Insurance, also at 5k a month
3️⃣ Health AND Life Insurance pero short-term coverage, at around 10k a YEAR.

✅ PWEDE PALANG MAGKAIBA ANG COVERAGE FOR THE SAME PRICE?
✅ MERON PALANG MURANG INSURANCE OPTION?

For this video, let's debunk these misconceptions. Pwede kasi na...
✨ Same age
✨ Same budget

Pero si 1️⃣ merong preexisting medical condition making her ineligible for a Health Insurance kaya i-ffocus nalang ang budget sa Life Insurance coverage na may kasamang cashback

Eto naman si 2️⃣ both parents died before 60 due to Critical Illness.

At si 3️⃣ meron ng existing permanent insurance coverage, at gusto ng additional coverage for a low price point in the next 10 years lang - kasabay ng housing loan nya.

👉 Ito po ang trabaho ng isang Financial Advisor, ang kilalanin ka, ang alamin ang needs and goals mo, at i-balance ang budget mo sa coverage na kailangan mo at kaya mo AT THE MOMENT.
👉 As an FA, ito ang pina-practice ko. I show my clients the possibilities, pros and cons of each: Term, Permanent and VUL policies. And in the end, they CHOOSE what they think is BEST for them.

—

💌 If you wanna know YOUR insurance options, check the comment box to get a 1-on-1 Zoom link.

😷 CRITICAL ILLNESS INSURANCE ☂️

If you wanna know what I got for myself, watch until the end of the video!

⚠️ WARNING ⚠️
Mahaba tong video, kasi I'll be sharing 3 TYPES of CI Insurance: Term, VUL, and Permanent/Whole-life Insurance.

--

1️⃣ Sun LifeAssure / Term Insurance
☂️ 36 Critical Illness/surgeries OR Life insurance
✅ On a budget ka, pero ang gusto mo ay MATAAS na coverage.
✅ Kung ang target mo ay short-term coverage, to match a temporary financial obligation. When the need ends, there is a chance that you might terminate the insurance. e.g. Pagkatapos ng car/housing loan mo, or pag nakagraduate na si bunso.

📣 Renewable until 70y.o. only, so it might not be the best option if you’re looking to address your permanent insurance needs.

--

2️⃣ Sun MaxiLink100 / Regular Pay VUL (Insurance w/ Investment)
☂️ 36 Critical Illnesses/surgeries AND life insurance
✅ High Critical Illness coverage
✅ If you want control over your insurance coverage. For this type of policy: It's possible to add/remove/adjust benefits in the future including Critical Illness, Hospital Income, Maternity, Accident-related benefits, etc.
📣 Dahil "Regular-pay" ito, ibig sabihin continuous ang payment KUNG gusto mo na continuous din ang coverage mo.
✨ However, you have the option naman to PAUSE paying your premiums IF the fund value is enough to pay for the recurring insurance charges.

📣 I would suggest this IF: (1) your primary focus is INSURANCE PROTECTION at secondary nalang si investment returns. (2) you understand that LIKE TERM INSURANCE, regular payment ang plan na ito, ang pinagkaiba lang, the moment you decide to terminate the policy, meron ka pang fund value na aasahan, compared to term where there is none.

--

3️⃣ Sun Fit & Well Advantage / Permanent Insurance
☂️ 114 Minor and Major Critical Illnesses/surgeries OR life insurance until 100y.o.
☂️ Add'l coverage for: Specific cancer conditions, home recovery and palliative care, etc.
💰 Cash benefits: Paid-up Bonus and annual Dividends
✅ FIXED payment period of 10, 15 or 20 years
🎥 More info on Sun Fit&Well here: https://fb.watch/eQlUj3QUiy/

📣 I would suggest Sun Fit&Well IF your target is comprehensive and permanent CI coverage, lalo na kung may CI history ang family mo kagaya ko.

-

💰 Is your budget HIGHER or LOWER than 3k? Pwede naman yan gawan ng paraan.
💌 For inquiries on insurance and/or investments, send a message: m.me/missinvest

📣 If you wanna have chill "Adulting" conversations, ask anonymously and get unbiased opinion, welcome ka to join of FB Group: Investarians PH 🧘‍♀️

Beginner Investing: Mutual Funds/UITF 📈

✅ Low-cost investment
✅ Risk profile: Low to High (you can switch funds later)
✅ Minimal monitoring
✅ Mobile-app features: adding more capital, transferring to a different fund, and redeeming of investments

Mutual Fund/UITF are examples of pooled funds. Nag-iiba ang tawag depende kung sino ang nag offer nito.

Mutual Fund = Investment Companies under SEC
UITF = Banks/Trust Corporations under BSP

Think of it as a basket with different assets like:
👉🏻 Stocks - shares in the ownership of private corporations; sa stocks, inaantay natin itong mag-appreciate in value para maibenta at a higher price sa stock market; some stocks also pay dividends
👉🏻 Bonds - in short ay “Utang”; kagaya ng mga personal loans natin, we are required to pay fixed interest sa inutangan natin. Sa bonds, borrowers (private or government institutions) issue bonds to raise money from investors (like YOU) with a promise to pay back with interest at a specific maturity date.
👉🏻 Combination of both

Some funds focus on a specific businesses like Technology, Consumer Trends, Health Care, Financials, SDGs and more!

🛍 FUND PROVIDERS I’VE TRIED SO FAR
👉🏻 ATRAM Group MF/UITF: https://atram.com.ph/ - some funds available at GInvest
👉🏻 GInvest by GCash: https://gcsh.app/r/cDEzsLC
👉🏻 Sun Life MFs: https://www.sunlife.com.ph/en/investments/
👉🏻 FirstMetroSec MF/UITF/ETF/Stocks: https://www.firstmetrosec.com.ph/fmsec/
👉🏻 Investa MF Platform, Stock Monitoring, Virtual Trading: https://www.investagrams.com/prime?ir=jrw478566

⚠️ DISCLAIMER: These are my personal preferences but there are still other MF/UITF providers you can choose from. I’m NOT an investment solicitor of these companies.

Kung may nag message sayo, pretending to be me, tapos sinabihan ka na “GCash mo ko 3k gawin nating 30k in a month”. RUN! 🏃🏻‍♀️ WALANG INVESTMENT NA ZERO RISK WITH GUARANTEED RETURNS!

Google is 🔑
Research more.
Practice due diligence.

-

You can share your story or ask our group anonymously!
Join here ➡️ Investarians PH

Lifetime Health Insurance na fixed 10-year payment?

First and foremost, this is NOT a VUL policy.

SAAN MAGAGAMIT?
✅ Lump sum cash pay-out upon diagnosis of Critical Illness
✅ Additional cash pay-out if diagnosis is cancer
✅ Cash assistance during hospitalization, and after discharge

WHAT IF HINDI AKO NAGKASAKIT?
✅ Your unclaimed Critical Illness fund converts to a Life Insurance fund as automatic "Pamana"

OTHER BENEFITS?
💰 Get annual dividends, special cash bonuses, or accumulate with interests!

—

💌 For inquiries, please send a message: m.me/missinvest

DO I NEED LIFE INSURANCE IF I'M SINGLE?

Sa totoo lang, madaming factors na dapat i-consider dito. For this video, I shared my FIVE REASONS bakit ako kumuha ng first insurance policy ko at the age of 21, single without dependents.

8 years later, sa guidance ng FA turned Manager ko, ako na mismo ang nagsshare ng personal experiences ko. 🔆

-

☔️ Confused ka pa din ba kung anong type ng insurance ang BEST FOR "YOU"? Copy link or screenshot this video and send it to me sa messenger, para alam ko na eto din ang concern mo.
💌 m.me/missinvest

📣 If you wanna have chill "Adulting" conversations, share your money mistakes, and get unbiased opinion, welcome ka to join us at Investarians PH 🧘‍♀️

Lifetime coverage Health AND Life Insurance in one plan! ☂️
Guaranteed limited payment period din to.
With dividends and cash bonuses. 💰

What can you get? Watch the video to know more!

If you're interested, comment "PROTECT" for a personalized quote!

Buying a House? 🏠

I followed this Rule, and my PAGIBIG Housing Loan got approved without me going to PAGIBIG!

Ask me "HOW" I did it in the comments!

~

⬇️ Watch Next ⬇️

PAGIBIG Housing Loan Requirements for Freelancers: https://www.tiktok.com//video/7068122932953763099

Most people already realized the importance of having an Emergency Fund because of pandemic. ⛑

But despite having 3 to 6mos-worth of household expenses saved up, kukulangin pa din talaga kung ang usapan eh Critical Illness or ICU na.

Whenever I meet my mentees, I guide them through the pros and cons of having this or that plan, the choice is theirs. 70% of the time, they chose lifetime Health Coverage (2021 Mentorship Sessions).

How about the 30%?

🩺Most of them already have their Health Plans in place.
💪Some focus on generating income to build their EF first.
🏦Some are still in the process of paying off their debt.
🎓Some prioritize educational fund.
🤑Others are in a more advanced life stage of Wealth Accumulation and Estate Transfer.

Different life stage, different plan.

💡If you’re torn between getting a Life or Health Insurance, watch this!
✨If you want to know more about this Health Insurance w/ lifetime coverage, comment “FIT”.

Or send a message 💌 m.me/MissInvest

“WHAT’S THE BEST INSURANCE?” - I will always get this question.

Sa dami ng insurance solutions available in the market, it’s hard to give you a reply outright pag nag comment ka. Insurance can be tailored to fit your needs depending on where you are in life.

In this video, I’m sharing an unbiased Life Insurance Calculator so you can gauge how much coverage you might need.

-

Don’t be surprised if the app recommends a high coverage for you, it’s the ideal and non-emotional computation. Everyone’s personal goals are different. Some of us want to pay off debt. Others want to ensure quality education for their kids. And for many people, they simply want to pass on a guaranteed inheritance.

Kaya kung gusto mo talaga ng BEST insurance policy, play your part and take the time to get to know FAs, companies, and the solutions they may have for you.

Sun Life alone has over 20,000 FAs nationwide,
In the Philippines, there are over a dozen insurance companies,
In one company, there are multiple types of insurances.

Ikaw, what insurance fits you best?

NASAAN ANG EMERGENCY FUND MO?

In the event of natural calamities, walang magagawa ang ATM at Pera Padala. Digital banking is a thing pero right after Odette, I realized that having cash on hand is GOLD ✨

Here's a quick video how I distribute my EF the practical way.

Poll:
👍 this post if you're full "CASHLESS"
❤️ this post if you're traditionally spending CASH 💸

Comment "Me too" if you're like me who does both!