AS we approach the end of another year, many of us are left reflecting on the goals we set and the progress we’ve made. The reality, however, is that life rarely unfolds according to our plans, especially when it comes to personal finance. Perhaps you started the year with ambitious goals — to save more, … Read more
CHRISTMAS is often described as “the most wonderful time of the year.” But for adults, it can sometimes feel more overwhelming than magical. While children gleefully count down the days, thrilled by the prospect of gifts and holiday fun, adults often wrestle with financial concerns, packed schedules and the weight of high expectations. The magic … Read more
Psst… hindi ka nag-iisa. Kung pakiramdam mo na parang hindi mo alam kung paano pagkakasyahin ang budget ngayong holidays habang iniisip pa rin kung paano makapag-invest para sa future, maraming nakaka-relate sa’yo. Hindi madali ang pagsabayin ang mga bagay na nagpapasaya sa pamilya ngayon at ang mga hakbang para sa kanilang kinabukasan. Alam namin, Christmas … Read more
RETIREMENT — once seen as a sunset, a slow fade into the twilight years of life — is being reimagined by modern Filipinos. Today, retirement is not just about resting after decades of hard work; it’s about embracing a new dawn full of opportunities to reinvent oneself, pursue passions and live life with renewed purpose. … Read more
SUMMER is the perfect time to take a break from the daily grind and embark on an adventure. Whether you’re dreaming of sandy beaches, bustling cities or quiet mountain retreats, the anticipation of a vacation is thrilling. However, the excitement can quickly turn to stress when you start thinking about the costs involved. With so … Read more
AS we enter Fire Prevention Month, a period marked by heightened awareness of fire safety and preparedness, it’s crucial to protect our physical environment from wildfires and safeguard our financial well-being from potential economic fires. Just as this season’s hot and dry conditions increase the risk of fires, economic factors can also create explosive situations … Read more
A SEASONED seafarer dwelled in a beautiful coastal province. I met him 10 years ago and attended one of my financial planning seminars when I was starting as a financial planner. With salt-kissed dreams of financial prosperity, he often gazed out at the boundless sea, envisioning a future of abundance. However, there was an ever-present … Read more
MOST Filipinos rely on social security for their retirement. However, despite the evidence in the past that depending on the government retirement program will surely lead us to despondent golden years. Still, from generation to generation, this is a considerable debate about whether to invest in it or just be faithful for the future. Of … Read more
As investors, we know too well that volatility is part of the game, whether it is war or time of peace. That is why it is a good investment to have an alternative asset that will add to your diversification, which will then help reduce overall portfolio volatility. And now is a good time for you to check the health condition of your portfolio.
THE Bangko Sentral ng Pilipinas (BSP) announced last May 19 the decision of the Monetary Board to hike rates by 25 basis points (bps) effective May 20. Some analysts expect the Monetary Board to hike benchmark rates by 75 bps this year to tame inflation and reduce currency risks after the US Fed (US Federal Reserve) hikes its benchmark rates. … Read more