Insurance is a way for your family and beneficiaries to receive money on your untimely death. Sadly, most of us Pinoys have grown allergic to talks about death and life insurance products in general. Culturally, we stay away from or avoid bringing up t...

Do you find it difficult to save despite working so hard and for so many years, you still don’t have any savings? At the end of the month, do you ask yourself where all your money went? They say that knowing the problem is halfway to the solution. Here...

One of the first things that beginners would look is a free resource online. This article is a list of blogs and websites that talk about how to invest in the stock market. It is arranged alphabetically. Top Stock Market Investment Blogs and Websi...

Do you have debts? Have you been planning to pay them off with the goal of closing them down? Everybody would agree that debts can be a headache. When they are uncontrolled, they can harm even the most careful financial plan that you put in p...

Why do you need to buy insurance? And when you buy one, what are the advantages of buying a life insurance policy? You may find that we cover this topic extensively in our blog, and it’s because we believe in it. We advocate for every Pinoy to get insu...

In the Philippines, businesses can register as a corporation with the Securities and Exchange Commission. Corporations will start as privately-held; meaning, they do not have to submit periodic reports that are to be made public. Publicly-listed compan...

There is an ongoing debate whether it makes sense to buy a life insurance for your kids. Many experts in the industry don’t seem to quite agree. While it is ultimately your decision, it pays to understand the two sides of the coin on this mat...

What can you buy with P20 pesos? It is a simple question. You can take it as a helpless statement about how the value of our peso is becoming less and less over the years due to inflation. Way back in college, P20 pesos could buy a decent lunch. (Oh do...

I am going to attempt and point out the risks and returns in investing in various assets in general. Of course, while the list below is not complete and as comprehensive as I would like it to be, I will try to be fair and objective. When doin...

We’re now on the last post of our Investing series. I would like to say that you can go ahead and buy shares from the Philippine Stocks Exchange. But checking which stocks to buy, at what amount to purchase and how to build your portfolio are beyond th...

You are reading this short course because you might have heard about investing, but you don’t know where to start. Don’t worry. I was once like you. This is first part in a series of articles about the basics of investing. And it is my hope that a...

In Part I, I talked about the need to start saving money and investing early. Because the value of money grows not only with earnings (compounding interest) but also with respect with time, we found out that there is cost in waiting. The longer that yo...

Why do companies decide to join Philippine Stocks Exchange? What are the benefits of the company going public? And how can retail investors invest in companies whose shares are traded on the exchange for the very first time? This beginner’s guide to IP...

Do you know that Social Security System has a special savings program exclusive to Filipinos working abroad? It’s called SSS Flexi-Fund, and it’s an investment option for overseas Filipino workers (OFWs) who would want to invest in ...

Have you heard of feeder funds? Is this the first time you’ve come across them? If you said yes, then you’re in luck. This article is going to discuss what they are, who offer them, their pros and cons, and how you can get started in investing in them....

Don’t you know that there’s a stock that holds stocks of other companies? It’s called FMETF or First Metro Philippine Equity Exchange Equity Traded Fund, and it’s the only exchange traded fund in the Philippines. This article discusses an actual ETF th...

Long term negotiable certificate of deposit or LTNCD is one of the lesser known products in the Philippines that Pinoy can invest. In fact, BPI, Metrobank and BDO recently announced that they’re offering LTNCD with 4%, 5.375% and 3.75% interest per yea...

Investing a managed fund is one way to earn passive income. As already discussed, there are different companies that offer them: mutual funds, unit investment trust fund (UITF), exchange traded fund, Personal Equity and Retirement Account, and variable...

A managed fund, also called investment fund, is a pool of money from willing individual and institutional investors. It is for this reason that it is sometimes called pooled funds. It uses the money that it collected to buy and sell stocks, bonds, mone...

Studies show that millionaires do not depend on only one income. They have at least seven streams of income. How do they do that? Simple. They invest. This article is the beginner’s guide to investments that covers passive income, importance and benefi...

So I’ve talked about investing in index funds could be a better option when done long-term. Such claim is based on two things: expert recommendation and return over long term. Advice from experts like the highly successful stock investor Warr...

A lot of people on social media and those who are beginning to invest have one question. When investing in the Philippines which is better, mutual fund or unit investment trust fund (UITF)? And it’s been asked so many times that I finally just want to ...

If you have P10,000 right now that you’re ready to invest, where would you place it? Buy direct stocks or put it in UITF, mutual fund, PERA account, or exchange traded fund like the First Metro Philippine Equity Exchange Traded Fund? In this article, I...

One of my many mistakes when I was starting was to disregard some of the important things about investing, such as tying it with a personal goal, knowings its and returns. In this article, I am going to write about what makes your investment meaningful...

In investing in investment funds like mutual funds, you would want the cost of investing as low as possible. This is done by selecting a fund with the least cost. The higher the mutual fund fees, the lesser your potential&...

Insurance plays an essential role to personal finance. It protects you against life’s uncertainties, such as sickness, disability and untimely death. It’s a means of replacing loss of income brought about by these circumstances, minimizing their impact...

Personal financial planning is about managing your money. Plain and simple. And I know you might ask, why am I making a blog about this one topic? I mean, I know all of us are dealing with money day in and day out for personal and work-related reasons....

Debt is any money you owed. It can range from personal loan with a friend or a family member to loans with a bank through a credit card and home mortgage. Good debt versus bad debt Something is considered a good debt if its value increases over time an...

Download the Living Expenses Statement worksheet for free! To use the worksheet, make sure to read our post on why estimating your expenditures is important in knowing your cash flow. Here are the instructions: Download Living Expenses Statement worksh...

Download personal Income Statement Worksheet for free! To use the worksheet, I recommend that you read post on the purpose of an income statement, and why understanding your financial status is crucial to financial planning. Here are the instructions. ...