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. ...

The first step to smart financial planning is knowing where you are at right now. Having a clear picture of your present standing makes you aware of how much you are earning, how much you are spending, how much you end up saving, and how much you are s...

Download by clicking Financial Goals Worksheet. Before using, it is best to read my post on financial goal-setting and the importance of writing down your life’s dreams. To use, here are the instructions. Download the Financial Goals Worksheet. Open th...

For the longest time, I’ve been thinking about writing this guide because mutual funds are a good passive income option but they’re not well understood. And when you’re lucky enough to attend free seminars that are provided by investment houses and fin...

You’ve heard about unit investment trust fund or UITF in the Philippines for Pinoy, and you might’ve spent the last hour scouring the internet or this blog on how to invest in them. And you’ve probably heard that UITF is offered by banks and trust comp...

Do you want to own stocks of the Philippines’ largest companies? Would you like to subscribe to initial public offering (IPO), which are shares that are trading on the exchange for the very first time? Heard some people receiving their dividend income ...

How easy it is to open an account at any bank? As you may already be aware, there are many bank accounts that you can choose from and establish. You can start a time deposit, checking account, credit card, unit investment trust fund (UITF), personal eq...

In stage 4 of financial planning, I talked about basic ideas of insurance products. I am going to dig a little deeper about them. I am doing this because we, Pinoys, may have an idea or two about insurance in general but most of the time we r...

Here is the list of insurance companies in the Philippines whose licences are renewed until the year 2018 by the Insurance Commission. The list is in no particular order. Life insurance companies Philippine AXA Life Insurance Coporation Allianz PNB Lif...

All of us needs insurance as a way to protect ourselves from unexpected emergency situations. However, there are many types of insurance cover, and I have mentioned a few in my first post about insurance. The list can be overwhelming. Each company has ...

Life is full of surprises. It can throw both the good and the bad in your way. When bad things happen, make sure you are prepared financially with insurance. Here are the 7 reasons why getting insured can be your life-saver. 1. Insurance manages life’s...

Life insurance is an important aspect of financial planning, but it is sadly the least understood. In the hope that I can help you make your decision on buying one, here are quick answers to frequently asked questions by Pinoys. Can I choose more than ...

Choosing your beneficiaries is a major decision. When you buy insurance in the Philippines, they are among the things asked from you. You will need to give a name or list of people to be part of your policy. At first, you would think they’re simply a p...

Insurance companies in the Philippines offer their products to everyone. But that does not mean all can go ahead and buy a policy. That is because of one question. Are you insurable? Insurability Insurability means that you meet certain standards that ...

Insurance is an important part of financial planning as a way to build strong financial foundation. It helps prepare for any untoward, trying events in our lives such as sickness or demise by providing financial assistance during the times that we need...

This website is already late to the party, and if it hadn’t been for the Facebook UITF group there wouldn’t be a post about Premyo Bonds 2 that was on offer late last year. (We don’t know how this information has gone past our notice as we are keen to ...

What are the charges when you invest in the stock market? In this article, we are going to look at the costs in buying or selling shares in publicly-listed companies on the Philippine Stocks Exchange. What are the charges, fees, and taxes involved in t...

What if you can have an investment that combines the advantage of mutual fund and UITF and the power of stock trading? It is now possible with exchange traded fund, a relatively new way to earn passive income. What is an exchange traded fund? An exchan...

In stock investing and in value investing in the Philippines, we know that the market goes up and down. When it is up, the prices of stocks rise and it’s pretty tricky to find ones that are inexpensive. When it is down, the prices of stocks goes down t...