Where to put your Christmas Bonus, 13th month pay and Excess Cash sleeping in the Bank? Put it in where it can GROW over time. Bank Savings - 0.25% annual return Time Deposit - 0.875% - 1.25% annual return (depends on tenure) Inflation rate - 4-5% (4.3% - Oct 2014, NSO) Stocks/ Equity Funds - 12% or more (potential returns) Match your short-term financial goals (Emergency Fund) with short-term investments (Bank Savings and Time Deposits). How about your long-term goals (Retirement fund, Capital for Business, House)? If you dont need your money in the next 5 years or more, you can invest it in pooled funds like Mutual Funds and UITFs, trade in the Stock Market or Invest in Single-Pay VULs. Maximize your moneys growth potential. Single-Pay VUL is good retirement fund option and is the perfect Estate Planning tool. They are invested in Stocks, Fixed-Income and Money Market Funds. What: Money Tree, minimum P125,000, with 125% insurance (156k). Advantages: - Single-pay meaning one-time investment. Option to add anytime (top-up) - Professionally managed by expert Fund Managers (PAMI) - Estate tax-free if beneficiary is Irrevocable Only invest excess cash you dont need in more than 5 years. Past Performance does not guarantee future returns. Feel free to PM me or so I can assist you in investing. Cheers! https://youtube/watch?v=BGa6Je5T55w
Posted on: Thu, 11 Dec 2014 04:45:34 +0000
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