Guys, have you think about your life will be in the next years. Counting years and whats next to you.Being in my late mid-20s now, parang ang hirap what will be me as years go by. Ngayon po ay 27 na ko, at nag-iisip kung anu-ano ba ang pwede kong gawin by this time and Investing ang pinakamasasabi kong magandang gawin habang ako ay working in office.
Well, first I actually started my thinking about investing last 2years (2014). I was then second year counting to my work. Tapos kakagaling ko lang sa perks sa aming office (next blog ikukuwnto ko ehehehe).And then continuous na ang pagiisip kung anong investment pa ang gustong pasukan.
So lets start counting
1. Life Insurance/Mutual Funds-- started in 2014 and na-open ang idea ko about insurance sa aking kapatid. My sister had a plan in Sunlife of Canada Philippines. pero before akong magapply for a plan, i research about what is life insurance. Wikipedia.com said "Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policy holder typically pays a premium, either regularly or as one lump sum. Other expenses (such as funeral expenses) can also be included in the benefits." Maganda pala sya actually. sa dami kong naririnig about the insurance mas naintindihan ko na kailangan natin nito to provide our beneficiaries an insurance na at least if ever theres something happen, you can still provide for them. Mas maganda pa ngayon na nung nakausap ko yung advisor ng Sunlife na my plan that will be applying for ay makasamang investment. VUL (later tackle sa nxt blog). I had read about also the company which is Sunlife of Canada Philippines. The company itself is a very good financial institution na trusted worldwide and ang maganda dun ay top-listed and company sa Philippines ayon sa Insurance commission. (ang alam ko top parin sila up to now). So GRAB na ako at SIGN na din agad. Now , i paying my premiums and i am happy.
2. IUTF-- this one is good (2014). It is because most of UITF ay handled ng mga Banks ang funds na ito. It means Investment Units Trust Fund. you are buying a units of the company through their Mutual funds or Trust funds which is invested in different kind of stock market activity. Ang maganda dito you can start investing for 10,000 pesos. and you will know what kind of investor you are after you inquire to them. BPI Uitf holder ako kaya if much appreciated ko kung dun kayo kukuha. meron silang regular subscription plan where every month you can invest for only 1,000 pesos. Pero alam ko meron din ang ibang Bank ng UITF tulad ng Metrobank, BDO at Security Bank.Kayo na lang mamili kung saan kayo mas malapit na branch na available ito.
3. Stock Market-- started 2015 at hanggng ngayon ay i am still studying this kind of investment. masasabi kong napakacomplex nito kay matinding pag-aaral ang ggawin ko. but today after i open an account sa BPITrade and FirstMetroSec, everything is fine regarding their site kasi naman user friendly at may mga insights din sila kung anong maganda bilhin na stocks sa market for the week.well ano ba ang stock market, so stock market is a place where companies and investors(like us) to buy and sell stocks o shares ng company. parang isang lugar na pwede kang bumili at magbenta. but more on papers and based on prices available.
So this are my investment now. more on financial investment but i will try other investment like skills and more on technical/training invesment para naman sa knowledge side naman.
Hoping na magkaroon kayo kahit isa man lang sa investment na ito aside sa savings account sa bangko.
