Imagine you want to build your dream house or building your dream business. Without proper planning or following a blueprint, the outcome may not be as satisfactory as you can expect, or even worse, it may not reach its full completion. The same as planning with your financial goals. BIG DREAMS DON'T HAPPEN BY CHANCE OR ACCIDENT, we need PROPER PLANNING, EXECUTION, MONITORING, TIME and PATIENCE to make it into a REALITY.

People don't plan to fail, they fail to plan.

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One common mistake of many Filipinos in allocating their money is they only focus on EARNING MORE INCOME.... Yes! you heard it right, most people give attention in getting more money and not thinking of building a good safety net for their family (Protection & emergency funds). We all know it's important to accumulate more wealth through work, business and investments. However, without setting-up a strong foundation (safety net) can potentially wipe out the entire earnings/savings of the family whenever life's risks arise such as sickness, accidents, disability, sudden death, crisis or disaster.

Setting balance and healthy allocation to every financial priorities is the key to financial peace. A trusted advisor can help you organize, allocate and prioritize finances according to your goals and current resources. They can also provide the right instruments that will be tailor fitted to your needs. 

People know that cost of goods goes up over time, but most people are not aware of its long-term effect to the value of their money and savings.  For example, a 1M  pesos kept in time deposit for 10 years can give you a gain of 112,500 at 1.125% interest, which turns your initial capital to 1,112,500 PHP. 

On the other hand, with our current average inflation rate at 4% and applied to that same capital, the value of money after 10 years will go down to 664,832.64 PHP! Money loses its value over time with inflation if not managed and placed to right instruments.

Inflation rates of 2021 (source: Philippine Statistic Authority)
Philippines inflation average 4.4%
Alcoholic Beverages and Tobacco 11.2
Transport 9.6
Health 2.9%
Foods and Services 3.9%

Inflation indeed is a silent thief.  

You can fight inflation through investing. Before you do this, you can reach an advisor to help you analyze and identify the best instrument that will meet your investing goals depending on your risk profile. To talk to an advisor today to get a FREE assessment.

Are you familiar with a story of an OFW who saved money to build a capital for business and let his family & relatives in Philippines run it? It went well for a couple of years, but it was already unproductive. Why did it happen? The business was mismanaged.

When starting a business or investments, you should have a good knowledge about it. Get counsel to the right people, look for a mentor and most importantly, start small.

Even with a small margin of error and mistakes done repeatedly overtime will  accumulate and create a disaster!

A small hole can sink a great ship

We know that we all have busy schedules either for work or personal matters. Some clients do not bother taking time to fully understand how a financial plan would work for them (not just about the cost and benefit, but the plan's fine print - features, technicalities, conditions, limitations, etc.). They could get a policy immediately and hassle free!, however, difficulties, conflicts or delays in claims may arise as a consequence later. 

If you are  planning to build your dream house, wouldn't you take time to talk to an Architect and Engineer to come-up with a design for your project rather than just giving them your budget because you are too busy to talk about it? 

The concept is similar in building your wealth, and you need a TEAM of EXPERTS to help you set-up, execute and recalibrate your plans along the way to keep you on-track of your goals!

Having a financial plan is not a one sitting program. It's a process you need to take with the right guidance of a trusted advisor.