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Grow your Funds in Phil.Stock Market

Enroll to savings program of Insular Life that is invested in Phil. Stock Market.

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The Financial Instrument that your money will grow is called Variable Unit Linked or VUL

 

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You may also see this short video about VUL from Pesos and Sense https://www.youtube.com/watch?v=i6HN3Z_DBoo 

Where do we invest your money? We invest it in blue chip companies where it is diversified and it is well-manage portfolios of our Fund Manager. It has 38-40 companies that is in a Fund. You don’t have to buy one company only but you can be an owner of these companies. These are some of the companies where we grow your money. If these companies earn, you will also earn.

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It has a Life Insurance and you can add riders like Accident Death Benefit, Payor’s Rider, Waiver of Premium of Disability, Dread Disease Fund, etc. . Your earning here is tax-free.

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Insular Life the is First and the Largest Filipino-owned Insurance Company since 1910. We have more than 100 years experience when it comes to investing.

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We can make your money grow. If you want to maximize the returns of your money, you can choose Insular Life as we can give high returns as compared to other VUL in the market.

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You will have savings that can be withdrawn partially or fully after 10 years, you can have a life insurance coverage and investment that your money can grow.

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Next step is to fill out this link and choose a schedule where you can meet me for me to show you how to start to grow your money in Philippine Stock Market. ⇒⇒⇒⇒⇒⇒ ⇒ https://goo.gl/forms/YG9jfAA2pYOjoCXL2

 

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
The Insular Life Assurance Ltd.,Co.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
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13th month bonus=Invest or Spend?

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What are you going to buy when you receive your 13th month bonus?

If you are employed, most likely you are entitled to receive your 13th month bonus or most of us call it Christmas Bonus.

What is 13th month pay?

13th month pay is a form of monetary benefit equivalent to the monthly basic compensation received by an employee, computed pro-rata according to the number of months within a year that the employee has rendered service to the employer.

When shall 13th month pay be paid?

The 13th month pay should be paid not later than December 24 of each year.

Source: http://www.dole.gov.ph/news/view/2652

Upon receiving this 13th month, what do you intend to buy? Will you just spend it all? Or you can allot a small savings for you to grow your money like investing in Phil. Stock Market.

Let’s say  if you will buy your 13th month  bonus with iPhone 6 from Kimstore worth Ph25,800.00 this year 2016. What will be its value in the future?

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According to the article I read that iPhone phones depreciate its price for about 33% per year.

What Happens To An iPhone’s Value After 2 Years? 

To find out what happens to the depreciation of the iPhone after two years of usage, we look at the iPhone 6.

The iPhone 6 was launched about 2 years ago with a retail price of $1,288 for a 128 GB model. If you were to sell it today, you would be able to get about $450 based on the online price offered. That means your depreciation over 2 years would have been $838, or about 33% per year. It’s still a lot, but not as much compared to the iPhone 6S after one year.

Reference:http://dollarsandsense.sg/how-quickly-does-the-value-of-your-iphone-depreciate/

Let’s see if what will happen to the value of your iPhone as years go by.

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This is just an estimate the value of  iPhone 6 but in the Philippines this can be different but the point here is your iPhone’s value will surely depreciate.

Now, what if you decided not to spend all your 13th month bonus to buy iPhone 6 and you decided to set aside Ph6,000 only for you to start to invest in Phil. Stock Market through Insular Life’s Wealth Secure and for the next months you will set aside Ph67 per day so that every quarter you will invest Ph6,000 only. What will happen to your money if you regularly set aside to invest on the 10th year?

Let’s see what will happen to your money if you invest. The age of the owner is 27 years old.

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If your money invested earned 10% per year on the 10th year you would have Ph307,416.52 already and if you let it grow when you reach the age 60 your money would have Ph2,773,287.69. Now, the advantages of this Wealth Secure is it has added features of Life Insurance and Dread Disease fund. In this sample illustration, if the owner was taken out of the picture, his family will get a guaranteed Life Insurance of Ph120,000 plus his investment fund. So if the owner passes away at age 40 and he has a fund of 443,677.15 if it earns 10% per year, what will his family get will be Ph443,677.15 plus Ph120,000 or a total of Ph563,677.15.

What if the owner was diagnosed with  one of Dread Diseases like cancer, brain surgery,kidney failure and etc., the owner can get an amount of Ph300,000 after 30 days of diagnosis of the dread disease. This money can be used for the treatment of the disease.

Here are the list of Dread Disease that can be covered.

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In summary:

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The question here is what will you choose to buy when you receive your 13th month bonus? Will you just spend it all to the things that will have no value in the future or will you invest your some of your money(take note, not all your 13th month bonus) that will benefit you in the future. It’s up to you but my advise is to buy assets than liabilities while also enjoying your 13th month bonus.

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To know more how to grow your money in Stock Market through Wealth Secure of Insular Life, you may reach me.

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
The Insular Life Assurance Ltd.,Co.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com
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Loan a brand new car or Invest your money first?

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Having your own car is awesome! Some people think that you are successful already if you have a car. You can take a selfie while driving with seat-belt on of course, take pictures of the traffic and put #TrafficinEDSA in your Instagram and Facebook posts for you to voice out your irritation for waiting for almost 3 hours without any movement, and most of all you can bring your friends and family to different places with comfort and safety. But, before getting a car, you have to consider if you are financially ready. Can you really sustain the monthly payment?  Gasoline expenses and maintenance expenses.One of my senior Financial Advisers told me that if you will loan a car from the bank, you must have a ready cash that is half of the price of the car so that if emergency expenses happen you can still pay your monthly amortization for your car loan otherwise the bank will repossess you car. These days, cars can be easily acquired through bank loans. There are promos that you can only pay less than Ph50,000 and you can take home the car already and just pay the monthly amortization. This is no wonder that heavy traffic these days are worst. Anyway, some people think that traffic is only a state of mind.

As a Financial Literacy Advocate, I want to suggest that you practice delayed gratification. It is wiser to pay it in cash and grow your money as well. I created a comparative analysis of loaning from a bank to purchase a car as compared if you invest your money first and you can buy a brand new car by paying it in cash and you can arrange better terms.

Let’s say you will apply a bank loan to purchase The All-new VIOS  2016 1.5 G A/T with SRP of  Ph880,000.00. Here is the sample computation if you will loan it from the bank.

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Let’s see how it looks like if we will break it down including car insurance and gasoline. My estimate for Gas expense is Ph5,000 per month only. and 30k per year for car insurance.

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Once you got the car out of the car dealer, the price of your car depreciates already. It is assumed that it will depreciate 10% every year. So after 5 years, if you sell your car, it will be only Ph440,000.00 or you lose the 50% the value of the price the original price of Ph880,000.00. You spent a total of Ph1,076,000 and Ph425,000 for the gas and car insurance and after 5 years your car’s value will be only Ph440,000.

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What if what you did was you invested first the money in Insular Life’s Wealth Assure Plan?

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Let’s say you will invest annually your annual amortization of Ph180,000 per year and top-up your 20% Downpayment, Gas expenses and Car Insurance will be spread equally in 5 years.

This is how it looks:

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This is the illustrative growth of your money if you invest in Wealth Assure first after 5 years and onwards. Assumed age of the investor is 34 years old. This investment has also a guaranteed Ph1,000,000 if death comes that will be added to his Full withdrawal value for the beneficiaries of the policy owner.

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If the investment earns 10% per year, your money will keep on growing. If you delayed loaning a car from the bank, you will have a lot more of options because you have cash with you. You can partially withdraw later on and buy a car and pay it in cash and the remaining fund n Wealth Assure will keep on growing. You can arrange also for better terms for you to avoid high interest because you have a fund in Wealth Assure that can be withdrawn.

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10% annual return is not guaranteed but this is way better than losing your money. As of August 5, 2016 Year to Date, our Equity Fund earns 15.19% already.

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Now, you can choose if you will loan a car now or you can delay it and invest first for you to benefit in the future. You should use correctly your hard-earned money. Getting a car should be planned very well don’t be fooled by people saying that your car is an asset. It can be an asset if it will generate income to you like making it as Taxi or Uber. I hope that you learn something by reading my blog.

Practice temporary pain for permanent gain.

To know more how to grow your money with Wealth Assure. Kindly sign up to this link and I will contact you. https://goo.gl/forms/17yU7e7p2Vy50ulO2

Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
The Insular Life Assurance Ltd.,Co.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com