Think as a Businessman when you Invest in Stock Market


I’m really happy when I see people lining up to pay  their Meralco Bills, texting and calling me using Globe and Smart, buying items from SM Malls, opening an account in BPI and Metrobank and buying from all big companies in our country because I know that I have shares from these companies which I have in Equity fund of Insular Life. If these companies earn, I will also earn.  Insular Life’s Equity Fund is composed of 44 actively managed blue chip companies in the stock market. Let’s define blue chip:

What is a ‘Blue Chip’
A blue chip is a nationally recognized, well-established and financially sound company. Blue chips generally sell high-quality, widely accepted products and services. Blue chip companies are known to weather downturns and operate profitably in the face of adverse economic conditions, which helps to contribute to their long record of stable and reliable growth.

These are some of blue chip companies that Insular Life have in Equity and Growth Fund. If you if invest in our fund, you will be a co-owner of  these companies.


Because Insular Life is backed up with 106 years of business expertise, I am confident that my hard-earned money is growing where it earns BEST.

Below is the fund performance of various insurance companies for the year as of October 2016.


My investment comes with insurance, which is Variable Unit Linked(VUL). If I will be diagnosed with Critical Illness,Insular Life gives me a lump sum which I can use for treatment. There are different riders that you can choose to attach if you will invest in VUL like Accident Insurance, Hospitalization Rider, and a lot more.

If something happens to me, my dependents get the insured amount PLUS current fund value of my investment. This is something that only a VUL can provide and because my beneficiaries are declared irrevocable, they can claim the benefit ESTATE TAX FREE.

Think like a businessman if you invest in Stock Market, your mindset should be like partnering with top companies in the Philippines.Really, you are a businessman as well.  What do I mean by this? It simply means, you are owning shares of their company. You need to understand that you will not have to shell out a big amount of money to start your own business but rather you will just partner with their success. You can imagine your partners will be like Henry Sy, Ayala, Gokongwei, Tan and many tycoons that you know.

Imagine yourself owning blue chip companies in Insular Life’s Equity Fund, if they earn, you will also earn because you have shares from this pooled fund which comprises of 30 to 40 companies. If you will start your own restaurant, you cannot beat Jollibee now, so if you can’t beat them, why not join them instead. These companies will not close down for the next 10 years,20 years or 40 years. Do you think San Miguel Corporation will close down for the next 10 years? I don’t think so! A lot of beer drinkers will protest if San Miguel Corporation will close down. You don’t have to create your own portfolio if which company is the best to invest because our fund managers will do that for you. Your risk is lesser because if let’s say 10 companies will not perform well, you still have 30 companies. Your money is well diversified because it will be invested in different industries like Banking, Real Estate, Manufacturing, Energy, Tourism and etc.

It is really possible to earn money effortlessly in investing in Phil. Stock Market, but you have to be patient enough and have a discipline if you invest. Invest only the money that is your excess so that you will not be emotional to stop investing if you see that your money is not earning yet. Always think long term at least 10 years if you invest your money and know your purpose why do you want to invest. Without purpose, you can be easily swayed by the people will say that investing in Stock Market is not good particularly when stocks go down. Invest with purpose and think of long term.

I look forward to the day the most Filipinos will participate in investing in Phil. Stock Market because bulk of of money invested in our Stock Market are from foreigners. Don’t be afraid to invest. Study, read and look for someone who can guide you. Huwag tayong pumayag na puro dayuhan lang ang kikita sa bansa natin! Let’s spread the importance of Financial Literacy to fellow Filipinos!

Be Free! God bless

To know more about growing your money in Variable Unit Linked, 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





equities, Financial Literacy, Personal Finance, savings, stock market

Invest in Yourself


As a Financial Literacy Advocate, I always teach to invest in yourself first for you to acquire knowledge and that knowledge will give you the best returns in your life. In our times, information is really fast and sometimes we cannot really understand what are the things that will really benefit us particularly in Personal Finance. Most of the time if you are not careful about deciding how to do with your hard-earned money, you will fall into quick rich-schemes which promise high returns and guarantees with a very low risk. This can be a tragedy to a person who works hard to earn his money and turned out that he will lose it all because of not investing to himself first.

There are so many professionals that you can talk to guide you without any biases and can really guide you the complete approach when it comes to your Personal Finance needs. It is important that you study first what to do if you want to start to create a Financial Plan. You deserve to know all the things that you have to know when you create a Financial Plan in a holistic way.

I recently met Mr. Peter Yung,AFP  and I was in awe with him because he shared many things about Financial Planning. He told me that every person has different needs and therefore it requires different solutions as well for their personal finance. I totally agree with him so that the person can get the best fit financial plan for the circumstance of his/her life. A Financial Planner should understand what the client needs from now to the future needs of the client. His business is also in Financial Planning but he is an independent Financial Planner. The advantage of this is you can get an advise from him without any bias. It means that he can advise you  the best Financial Plan that you really need not because of he is representing a particular company. I think this idea is way better than being pushed by a seller who really needs a commission from you.

You may check his company if you need to learn about Financial Planning and he can help you to choose the best financial plan for yourself and for your family. You can get a consultation from them. You may check their website at


I got this from their page about Financial Planning:



The wisest thing to do is to invest in yourself first to know what is the best Financial Plan for you and don’t just settle for the things that you do not totally understand before you jump into investing. Make it a habit to read books, blogs, attend seminars about Personal Finance so that you can maximize the learnings  and you can use it for you to become Financially Literate and reap the benefits in the future.

I hope that you learn something about investing in yourself first!

I hope  that we all achieve our Financial goals for ourselves and for our love ones.

God bless Philippines!


Archie M. Yuki
Financial Planner,Investment Consultant and Insurance Specialist
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





How to achieve P1,000,000 in Stock Market.


You can achieve your Financial goals by learning things on Personal Finance by reading blogs, attending Financial Literacy Forum, reading books and many more. There are many ways how to earn money, you can work for an employer, start your own business, sell products or earn from investments. In earning money,you can get it through Active Income and Passive Income.

Let’s define Active Income and Passive Income

Active income is income for which services have been performed. This includes wages, tips, salaries, commissions and income from businesses in which there is material participation.

Passive income has been a relatively loosely used term in recent years. Colloquially, it’s been used to define money being earned regularly with little or no effort on the part of the person who’s receiving it. Proponents of earning passive income tend to be boosters of a work-from-home and be-your-own-boss professional lifestyle. The type of earnings people usually associate with this are gains on stocks, interest, retirement pay, lottery winnings, online work, and capital gains.

You can either choose if you want to earn it through Active Income or Passive Income or you can do both for you to achieve fast your financial goals.I recommend that you choose Passive Income because it is one way to earn even without you working for it. Money will go to you because your money will work for you. There are many ways really to earn your First Million but you need to study well how you can earn your First Million in a Financial Instrument which can be considered Passive Income. You have to consider the time and interest for you to reach it but be careful for the temptation to get into quick-rich schemes like offering a low risk in nature but high returns with guarantees.  Don’t be fooled by their promises as they will destroy your integrity.

If you want to grow your money, you can choose where you can put it.


If you have a lot of money to invest, you can start to invest big amount for you to reach your goal fast but if you will start small, you need more time to grow your money. You have to understand that there are risks that you have to embrace if you want to get high returns in the future.

Now, the question is, how to achieve your Ph1,000,000 if you will put it in a stock market. If you have time to study stock market you can invest on your own but you have to monitor it. You can go to a stock broker or sign up to an online stock broker. But if you want to let your money grow with professionals who create pooled funds, this is another way for you to achieve your financial goals, while you are busy working at your job or business, pooled funds will take care your money to grow without taking much of your time.

Let us define Pooled Funds:

Pooled funds are funds from many individual investors that are aggregated for the purposes of investment, as in the case of a mutual or pension fund. Investors in pooled fund investments benefit from economies of scale, which allow for lower trading costs per dollar of investment, diversification and professional money management.

Let’s say you put it in a pooled funds to reach your Ph1,000,000.00. Let’s say the investor’s age is 25 years old. Usually, pooled funds can give annual returns of 6%-12% conservatively.

If you want to reach a Ph1,000,000 after 10 years if the fund earns 8% per year.You just have to invest consistently an amount of Ph69,030 per year for the next 10 years.


To illustrate:


If you simply put your money in a savings bank on the 10th year, your money will be only Ph722,954.03 while if you put it in a pooled funds,it will reach Ph1,000,007.41 already if it earns 8% interest per year and the good thing about this if you let it stay, your money will stay grow.

The good thing about pooled funds is you can start on the amount that you are comfortable to start with until you adjust your investment for you to reach your Financial goals through Passive income.

There are different kinds of pooled funds that you can choose in the market. But for me, I recommend Variable Unit Linked(VUL) for you to grow your money at the same time you can also add a life insurance so that you can protect yourself because risks of life are always there. You can add riders as well for your Hospitalization needs rather than you use your investment or savings if illness strikes. VUL also is not taxable therefore you can preserve all your assets by growing your funds if the owner passes away in the future. I’m not saying that Variable Unit Linked is the perfect investment but there’s no such thing as a perfect investment. It will really depend to your needs. As they say. we hope for the best, but we have to be wise to prepare for the worst.

Here is the report that I got from top VUL’s in the Philippines these days that can give 6%-12% returns on the average long term.


Now reaching your First Million is not easy, you have to be disciplined for you to achieve your financial goals. It is not about what you know but it is how you do it through consistently saving and investing. If you invest in Stock Market, you have to invest long term to reap the benefits.

I hope you learn something about my blog. I look forward that you will achieve your Financial goals for yourself and for your loved ones. Be free!


Read more: Passive Income Definition | Investopedia http://www.investopedia.com/terms/p/passiveincome.asp#ixzz4TGjVkewL
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Read more: Active Income Definition | Investopedia http://www.investopedia.com/terms/a/activeincome.asp#ixzz4TGj6ihwD
Follow us: Investopedia on Facebook

Read more: Pooled Funds Definition | Investopedia http://www.investopedia.com/terms/p/pooledfunds.asp#ixzz4TGwQkMsV
Follow us: Investopedia on Facebook

To learn more about Financial Planning and sample computation how to achieve your financial goals, 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

Ready for Occupancy at Grand Riviera Suites


The Grand Riviera Suites is a 55-level luxury residential tower which features distinct Modern Contemporary Architecture, perfectly complimented by a high-ceilinged grandiose lobby and enhanced living spaces fit for urban living. Characterized by classy curtain walls and a chic color scheme, the glamorous feel of the project provides a trendy feeling different from the building landscape in the Roxas Boulevard bay area. The modern contemporary inspirations are drawn from the building facade, to the posh and luxurious common areas, to each of the individual dwellings complimented by magnificent views of the bay.

Set in the most historic and ever evolving thoroughfare in the Philippines, Grand Riviera Suites is meant to be a landmark along Roxas Boulevard, the city’s millionaire’s block. A residence that reflects the achievements you have attained and the bright future ahead that awaits you as you climb the ladder of success. Begin and end your day greeted by the world-famous view of the Manila Bay sun..

Strategically located in the magnificent strip of Roxas Boulevard along Manila Bay, it is in close proximity to major thoroughfares –Taft Avenue, Quirino Avenue and EDSA. International and domestic airports and the Ports Area is very accessible. SM Mall of Asia and Robinson’s Place Manila are just nearby. Schools like UP Manila, St. Paul University, De La Salle University are all but a few minutes away. Manila Doctor’s Hospital and Medical Center Manila is just a stone’s throw from your luxurious abode.


✔Outdoor swimming pool
✔Covered lap pool
✔Kiddy pool
✔Fitness Gym with male and female Locker Rooms
✔Recreation Room
✔Children’s Playroom
✔Function Room

Ready for Occupancy. Standard Finish. Why rent if you can own? A place to stay when you are in Manila for your family,OFWs looking for an investment and foreigners looking for properties.
Prices ranging from Ph2.5M to Ph13M. Units available are 3BR,2BR,1BR and Studio.Flexible payment terms through bank financing or in-house Financing.















For More Details, Inquiries and Viewing:

please contact ;
Archie M. Yuki
0917-5769607 or email archieyuki30@gmail.com
Moldex Realty Inc.
2F The Grand Tower Manila, Pablo Ocampo St. formerly Vito Cruz Manila Philippines

equities, Financial Literacy, life insurance, Personal Finance, savings, stock market

Personal Finance


There was a story about a company driver who earned his salary every Saturday. But every Wednesday afternoon he got his salary in advance and it had been a habit. His boss wanted to know if what would happen if he gave an advance salary on Wednesday and he would still give him a complete salary on Saturday. The boss did it, the driver was really happy because as if he just got a bonus  because he got his salary in advance and and he would receive the full salary still on Saturday. After one week, Wednesday came and the boss was waiting if his driver would still request an advance of his salary and luckily the driver did not. The boss was happy because the driver did not need get his salary in advance but came Thursday afternoon the driver requested an advance of his salary again. He was back again from his old behaviour that he cannot manage his finances even though he had a surplus.

If we don’t have a discipline in handling our finances, making more will not help. The Bible says at Luke 16:10, “If you are faithful in little things,you will be honest in big things.But if you are dishonest in little things, you won’t be honest in greater responsibilities”. It is easier said and done. We always hear that we have to save and invest but even a lot of us know it already yet we still do not do it.  You can see a lot of posts in Social Media about saving and investing but less than 1% of Filipinos only invest in Philippine Stock Market. According to statistics, 63% of the Filipinos will be broke upon retirement that is why Personal Finance is important to practice.


What is a Personal Finance?


Here are my suggestions to have a good behaviour about personal finance:

Continue reading “Personal Finance”

health insurance, investment, life insurance, Personal Finance

HMO Card or Health Insurance?

One of my friends asks me if what she should get if she wants to insure her health, will she get HMO/Health Card or Health Insurance?

I said, it depends to your needs. Some people can get Health Insurance while they are insurable and others can get HMO/Health Card while they are young and it is cheap.

Getting ready for the medical expenses is very important because it expensive to get sick nowadays and if you did not prepare for the medical expenses all of your savings will be wiped out and worst is you will get yourself into debts for you to pay the medical bills.

According to Philippine National Health Accounts (PNHA), Filipinos spent P526.3 Billion for health care in 2013 and majority were paid in cash.  Of that amount, 56.3 percent or P296.5 billion came from out-of-pocket spending. These are expenses paid for by individuals for medicine, medical consultation and hospitalization. It means that Filipinos could have save more money if we consider preparing a form of medical insurance rather than paying it through out of your pocket. It will help Filipinos to spend less on medical expenses if there’s a medical insurance.

Reference: http://bilangpilipino.philstar.com/news/2016/03/31/1567890/philippiness-health-expenditure-climbs-p526-b


Let’s define HMO:

What is a ‘Health Maintenance Organization – HMO’

A health maintenance organization (HMO) is an organization that provides health coverage with providers under contract. A Health Maintenance Organization (HMO) differs from traditional health insurance by the contracts it has with its providers. These contracts allow for premiums to be lower, because the health providers has the advantage of having patients directed to them; but these contracts also add additional restrictions to the HMO’s members.

Read more: Health Maintenance Organization – HMO Definition | Investopedia http://www.investopedia.com/terms/h/hmo.asp#ixzz4RY7v7ih8

Let’s define Health Insurance:

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.

Read more: Health Insurance Definition | Investopedia http://www.investopedia.com/terms/h/healthinsurance.asp#ixzz4RYA2MX9D

The questions is will you get an HMO or Health Insurance? Which option will you choose?


For me, it is both important. It should complement to each other. Ideally, I position HMO for your short-term needs and Health Insurance will be for your long-term needs. If you will get sick now while you are young, it is good that you have an HMO/Health Card while if you will get sick when you get old, you have your Health Insurance, while if you get sick at a young age while you have your HMO, you can supplement it with your Health Insurance. It is a win-win position to a person who has both HMO/Health card and Health Insurance.

While most of the Filipinos are employed, most of the employers provide HMO/Health Card to their employees which is a good thing but you are not sure if how long will stay to that company and also you will get old and if you get your own HMO/Health Card you will have to pay higher premiums.

Mostly, HMO’s can give you a Maximum Benefit Limit of Ph60,000 to Ph150,000 when a person will be hospitalized and your Health Insurance can give you from Ph300,000 to Ph1,000,000 coverage plus an investment component that will grow that can supplement your medical fund needs in the future. It means in Health Insurance, after you are finished paying for it for 10 years, your money still grows that you can withdraw in the future while on HMO, you just pay every year and your money will not grow. It is wiser to complement these two. You don’t have to spend a lot of money if you will get HMO and Health Insurance rather than if you get sick, it will cost you more.

If you want to know how to choose options how to create a fit HMO and Health Insurance for yourself and for your family you may reach me for a consultation.

Thanks for reading my blog.

If you want to know more about getting a medical insurance, you may fill out the link below and I will contact you soon.


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