Retironaryo

Life is hard, and your hard-earned money needs to work for you. In this episode we discuss some of the scams that are currently happening at the moment. They might be scams you are not aware of, but if you are, this episode is a good reminder to watch out. Scams are everywhere and in various forms, so please listen reduce your risk of being a victim of these types of scams.  Like, share...

In this episode we look at GInvest options to determine which ones suit your risk appetite. It is good to know the different ATRAM offerings and which ones would be the best for you. We present these options to help you decide on which fund to go with if and when you join our Retironary Challenge. However, this information is also a good general overview for anyone wishing to consider investing th...

Alamin ang ilan sa mga basic terminologies na dapat nyo malaman para maging pamilyar kayo sa larangan ng savings, budgeting and investing. Hosted on Acast. See acast.com/privacy for more information.

This is an exciting episode because we have a BIG announcement to make! We are giving away money!!! Yes! We want you to have it -- just simply join our RETIRONARYO Challenge. What is the challenge all about? Well this episode explains the mechanics in detail. You will be saving for a year and when you are successfully able to do it, you are in for a chance to win a portion of the 25 Thousand Pesos...

In this episode we divert from our usual discussion of stocks or numbers to discuss an important issue facing Overseas Filipino Workers (OFWs) which is money matters. Entitled “Usapang Pinansyal” we discuss the common financial worries OFWs face and some ways to avoid it. Whether you are an OFW, or thinking of being an OFW it would be good to know about these matters so that you are forewarned abo...

In this episode we discuss the concept of stock dividends and whether or not it is the suitable investment vehicle for you. We compared stock dividends with stocks that have greater capital appreciation. We did an overview of some companies in the market that provide dividends vis-à-vis those that do not offer it. We weighed the pros and cons, and present to you what is the possible scenario. So i...

In this episode we continue to speak to Leo Viray of Sunlife of Canada (Philippines), Inc. who showed us some scenarios of potential returns from clients from different age groups. We also discussed some investment options for the clients. An interesting insight on how preparing for the future makes it really reasonable to set aside meaningful savings. Please like, share and subscribe to our video...

In this episode we speak to Mr Leo Viray, Financial Adviser and currently Unit Manager at Sunlife of Canada Phils, to give an overview about Sunlife Philippines and the types of products and services they currently provide. We deemed it important to give you an idea of how this works if you have not availed of any insurance product whether from Sunlife or from another provider, OR if you are curre...

In this episode we continue to explore SSS – from the point of view of an existing member who is a regular employee. Unlike the previous episode where we looked at SSS from an OFW perspective using Jarvis as a case study, this time we will look at a hypothetical 20-year old existing SSS member and how much this young person could receive at the age of retirement. We also look at what happens to th...

In this episode we tackle a common issue or topic among overseas Filipino workers (or OFW) and even to those who already live abroad who give contribution to SSS or the Philippine Social Security System, as they depend on this for their retirement. We take as an example or case study Jarvis himself and analysed his real-time contributions. We did 3 types of analysis in order to determine if it is...

Here is an episode na ka-aabangan! Do you have a GCASH Account? Or do you know someone who has a GCash account? Do you know that you can start your investing journey through GCash? Well, listen to this episode because this might be the perfect vehicle for you to start saving for your retirement! In this episode we give you an introduction to some of the funds you can invest in and what the possibl...

Have you ever heard of the concept of Superannuation? This is a system in Australia where employers contribute an amount monthly towards the retirement fund of the employee. Curious? Then this episode is for you, and it does not matter whether you are in Australia or any where around the world, it would be good to know how benefits like superannuation is relevant for one's retirement. If you are e...

We hear a lot of stories from people who are into stock investing in terms of their fear of the stock market crashing and what this means for their investments. Because of that fear, people panic. For those who are new to investing or thinking about starting to invest, what do you think – should you buy, hold or sell when the stock market is low? In this video, we share our insights on what could...

In this episode, we explore the difference between a conservative versus an aggressive fund and explain when it is best to consider conservative over aggressive. We also show its potential depending on your goals and age. Hosted on Acast. See acast.com/privacy for more information.

Episode 18 is dedicated to 10 of the questions we received recently asking us for our comments or opinion on some questions sent to us by our viewers. Questions such as "is it better to buy property for investment or put my money into stocks", "Are stocks also taxed", "where is it better to invest, in the Philippines or in US stocks" are only some of what we will answer. Please join us to learn mo...

Retironaryo Episode 17 Discusses a simple, stress free and with minimal investment effort strategy. We have been advocating for this strategy especially for those who might not have the time to study investing, and those who have only a small amount of money that they can save monthly. In this episode we look closely again into the idea of investing money through index funds. We tried to project m...

How do we try to implement a retirement concept or plan based on what we learned so far in Retironaryo? In this episode we have considered how a retirement plan can be achieved using pooled funds to purchase UITF to replace or supplement any SSS benefits being received to achieve a better retirement fund at age 65. In this episode we used a private school in a rural area (with a group of teacher i...

Retironaryo Episode 15: Tamang UITF Batay sa Inyong Financial Objectives  In this episode, we discuss more closely the concept of a UITF, and in particular we looked into BPI funds as an example. We discussed how you select the appropriate UITF based on your personal profile when you apply to be assessed and we also discussed how to “read” or analyse the figures. We also partly talked about a...

This is a question of some of our friends to us when we ask them if they have thought about savings and investment. They believe it is too late. In this episode, we will show our own plan and strategy on how to attain a sustainable financial plan for our retirement. We will share with you our situation and how we plan to attain our financial goals. We will discuss how to leverage on investment or...

Episode 13 is all about an open and honest discussion of the realities facing us at different stages of our lives. These realities are what hinders, slows us down or diverts our attention from thinking about our future financial goals. This episode is not a "blame game" episode but is just a check on what we could have done or could still potentially do to mitigate our current situation. We are ac...

Do you know of someone at the age of 20 who has managed to buy her own land for investment purposes? Well lucky for us here at Retironaryo we found another guest, a very young person who will share what she did to do just that! We managed to convince our very own daughter, our youngest child to be interviewed about her financial goals and what her plans are for her future. Disclaimer: This is not...

Ano nga ba ang isang Financial Adviser? What can an FA do for us? In this episode we will be talking to a financial adviser who can give us an idea of how they can assist us in our financial goals. This is a very good initial overview -- we are not talking about specific plans or insurance packages here but just gives you a better idea of why you might need the services of a financial adviser. Ple...

Hi, welcome to Episode 10. This is the third part of our case study where we look at different scenarios of what happens if a person has a certain amount of money, and how we can project if that person has enough to retire a comfortable life. In the previous episode we looked at a young person in the 20s as hypothetical planner. In this episode we will look at a more mature person, a person in the...

Retironaryo Episode 9 is a continuation of our discussion around a simple retirement plan using our case study of an individual who may have expenses worth 20 thousand pesos, but still very much applicable to those who are over the age of 25. In this case study we can project and predict what needs to be saved and invested using our retirement calculator. Find out why we chose a case study of a 25...

EPISODE 8: SIMPLE PERO EPEKTIBONG RETIREMENT PLAN talks about the keys to success for a comfortable retirement. We share tips on how to get started -steps and actionable strategies such as how to manage your salary, how to open the right savings account, etc. This is part 1, panimula and we will have another part 2 to continue this topic -- we will discuss a case study to show how the simple retir...