Good Article about Pre-Need Problems

[cirext]

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Dependi ra nimu bro kung kanusa ka mu redem or mu dugang.

Sa akong expreience, cge ra kog palit ug share, kay ang pinaka ka importante maka accumulate ka ug daghan na shares. Sa akong personal exprience, wala nako bultoha ug add, akong style kay palit ko ug ginagmay in different months. Wala pa nako ni gi redeem. Kung akong i redeem naa may kita, pero akong goal ani after 10 years pa nako kuhaon. hehehe! Accumulate ra kog shares sa fund. Hinay2x basta kanunay.

pangita lag IMG Broker kay sila ra akong na ilhan na nag distribute ani na funds sa Cebu.

Duha ni ang Office sa IMG sa Cebu, ang usa naa sa AyalaLife FGU, ang usa ka branch naa sa Lahug Salinas Drive.

Sato pa if u r planning to grow rich in mutual funds mura dugay pajud...
magulang rani gamay sa bangko..still bznz is better

[lorenzoleo]

Sato pa if u r planning to grow rich in mutual funds mura dugay pajud...
magulang rani gamay sa bangko..still bznz is better

Long term gani akong goal. Hehehe! Early Retirement sad.

[cirext]

Long term gani akong goal. Hehehe! Early Retirement sad.

its good bro..kuyawa jud ninyo bro oi..grabe ka long-term inyo goals... retirement najud maski bata pa kaayo
pero maayo bya ud na..

bznz pud bro..para money-growing jud..

[lorenzoleo]

its good bro..kuyawa jud ninyo bro oi..grabe ka long-term inyo goals... retirement najud maski bata pa kaayo
pero maayo bya ud na..

bznz pud bro..para money-growing jud..

Yes, nag brokerage business ko sa IMG. At the same time akong kita akong sad I add para long term nako. Delekado ng inig ka tigulang pata mangita ug kwarta. Mas maayo gi sugdan karon para ma enjoy ang compound interest. Kay sa mga tiguwang pa na imung discussan, it's too late na daw. Sayang daw iyang time ug kwarta na wala niya gi tigum sauna. Hehehe!

Dili man jud na sa age mu matter ang retirement, dependi man gud na kung pila kabook imung gi create na passive income. Hehehe!

Pwdi ko mag stockholder sa imung company? Pila ang akong kitaon ani? At least dawat na lang sad kog dividends.

[pogy_uy]

Thanks for the info on this thread... keep it coming! I'm planning to invest on a long term basis if naa nakoy mga surplus funds... (when pakaha ni)

[lorenzoleo]

At least gi una nako ug build akong long term na investments para akong malimtan na naa diay koy gi invest para long term. After building this long term plan. Diha nako mu start ug venture ug short term investments. At least naa jud koy sure income sad sa future. Lisod na baya trabaho kung naa na tay mga sakit anang panahona. Kung d ko ka abot ana na time, at least naa koy maikabilin para sa akong family, because I love my family so much. Kani di jud ka kalimtan sa imung mga kaliwat ani. Ampoan pa cguru ka permi kay dako imung gi bilin para sa ila.

[jabez_rmc]

At least gi una nako ug build akong long term na investments para akong malimtan na naa diay koy gi invest para long term. After building this long term plan. Diha nako mu start ug venture ug short term investments. At least naa jud koy sure income sad sa future. Lisod na baya trabaho kung naa na tay mga sakit anang panahona. Kung d ko ka abot ana na time, at least naa koy maikabilin para sa akong family, because I love my family so much. Kani di jud ka kalimtan sa imung mga kaliwat ani. Ampoan pa cguru ka permi kay dako imung gi bilin para sa ila.

wise choice and decision

[HenryLiwanag]

Nice kaayo ni nga thread bro. It somehow gives us a better perspective on investing for your protection and future.

[COMCAM]

Philequity Management, Inc.

PhilEquity Fund, Php 5,000 ilang beginning.

Naa ra sa ilang website kung unsay steps pag open ug account.

Nindot ng PhilEquity kay transparent jud kay tagaan ka nilag Financial Reports kung asa gina invest sa ilang fund managers and Fund.

Not entirely true. It doesnt mean that transparency in Financial Reports can be 100% trusted. You can always hide somethings in financial reports.

[COMCAM]

Just to add, insurance is a protection of something, either a thing or a living thing. In which case, you can always compare Life Insurance to a pre-need.

Life insurance can be considered as income protection for the family just in case the bread winner dies.

Pre-need does the same, however the Governing body here in the Philippines is not the same. Life insurance is governed/controlled by the insurance commission while Pre-need is governed by SEC (Securities and Exchange Commission)

Its clearly stipulated in the laws under the insurance commission that any closure of any insurance company, the orphan accounts (the investor/the insured) will always have (step parents) another insurance company by way of purchase/ reinsurance (bidding among life insurance company) of the closed insurance company. So that the insured are still insured.

While with the SEC (it is where businesses are registered) if the pre need insurance dies, simply it dies since its like a "popcorn business" or a "sewing shop business" in short, no other pre need company is obliged to bid for such pre need company.