Checklist Before Investing
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- Опубликовано: 15 окт 2024
- Before you invest, there are things you need to have and do first. In this video, Fitz and Rienzie talks about the items on this checklist.
Money Insights & Advice is a video project of Wealth Arki, Inc. Visit their website at www.wealtharki.com.
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Checklist before investing:
1. Emergency fund
2. Life insurance (not for everyone, but if some people are depending on you then this is a must)
3. Financial goals (why are you investing? Don't invest without a goal because you will not succeed)
4. Research! (study the different kind of investment vehicles and learn it well before investing)
Informative na masaya pa, parang kwentuhang tambay lang but will surely elevate your financial knowledge
im new here...im learning & enjoying . thanks much mga kuya. God bless ur tandem !
Thanks for explaining
Thank you sa mga information
Very informative ❤
This is very informative. I hope more Filipino learn this at the very young age.
i agree dapat tinuturo to sa school
Good day sir,San poako pwedeng mag invest like emergency fund
Ang saya ng channel na to. Subs 👍
Thanks!!!! Join us on out weekly livestreams as well, Thursdays @ 6pm!
Hndi pa nmn siguro huli para mag simula kahit tumanda na sa pagtatrabaho. Sayang ngaun ko lang nalaman mga ganitong investment pano lumago ang pera... salamat sa mga ganitong videos.
Jhun S. thank you. please do browse on our other playlist and share our videos, too.
Oo tama po dapat talaga FIRST THINGS FIRST ang EMERGENCY 🚨 FUND before health and life insurance 👍👍👍👍👍
ang galing nyo tlga mg advise mga sir
Bahay b muna before investment?
Pag sa banks Di po ba kung magkano ung savings mo times 3 ng coverage ng free insurance. So kung Di pa ganun kalakihan ung savings Di din ganun kalakihan ung coverage. Iniisip kasi ng iba na dahil may free insurance sila sa banks okay na un. Pero coverage wise laki ng shortfall. Thanks for this video!!! Sakto mag start na ko mag invest sa stocks! More more to come!
yes, usually it is 3x, but what we are contemplating here is that if a person has some insurance gaps, instead of just putting it in a regular ATM, then might as well put it in an ATM with free insurance as well--you get the same interest rate but--as we said in our vlogs--free insurance benefit, too.
but if the person doesn't have insurance gaps already, then a money market fund would be more suited for more returns. it really depends on the case at the end of the day.
Thank you!!! Sayang din naman ung free insurance. 😊
Good topic for beginners like me. ❤️
Love this video😊 blessed you two and more power.😇😇😇
Thanks mga sir. Very timely that I come across your channel. Kudos!
You are great financial mentors. Thank you!
thank you. please do share the learnings--and our videos, too!
very helpful mga sir videos nyu. salamat po sa lahat.
thank you. please do share the learnings and our videos, too!
Hi Sir Frits can i just invest in mutual fund or UITF am already retired and i have emergency fund and rental for daily needs ko but i still want to invest my money to grow where can i invest
can you make videos about sa mga nauuso na inooffer ngayon ng mga banks na insurance. nakita ko po kasi sa BPI ung P1 per day insurance. And kung ano ano pang mga banks ang mga may offer ng ganito. Sino ang pwedeng kumuha ng mga ganung offers. Pros and cons of getting insurance na connected sa bank than getting insurance from the insurance companies talaga.
Abigail Coloma we have noted this. For the meantime, please do watch our insurance playlist-it has troves of videos there. Thanks!
Ano po Yung health insurance company nyo?
Ang galing galing!!! Bongga talaga mga lodi ko! Dami na ng subscribers!!!
thank you and we're glad to know that you learned from our vlog. please do share the learnings--and our videos, too!
ano pong magandang investment para matarget ang pagbili ng house in a span of around 5 yrs.
that would depend on the amount that you need, your risk structure, and other factors in this regard but given the timeline, we would be more prudent with a bond or bond fund investment.
we can give you a more accurate recommendation through, through our financial consultation. just visit this link for more details:
www.wealtharki.com/
Thanks!
Question lang po related to that...kelangan ba debt free ka before you invest? If i have extra money should i pay first my home loan 6.88% per annum to lessen the principal or should i just invest it let say stock market with an average of 10% p.a?....thanks po
pay your loan first. loan payments is constant--stock market returns is not. the average may be 10% for the long term but it does not mean that it will give you 10% per year. some years it goes down so this is really not a good strategy.
Yun ohhh sakto sakin tong video!!!!
thanks!
Very informative
Okay lang po bang mag invest sa mutual fund kahit wala pang emergency fund? Balak ko po sanang pagsabayin ang ipon. Thanks in advance
Mark Anthony Villarda we have answered that in our video. Thanks!
ano po idol yung health insurance na maganda? yun bang less or wala kang babayaran sa Ospital? mahirap usama sa Philhealth.
you can buy hospital stocks, we have a video here:
ruclips.net/video/IUY2g9We-qE/видео.html
you can also look into HMOs. we can design a health insurance package for you as part of our professional services. please do email us admin@wealtharki.com should you be interested. thanks!
hi sir./s, may maisasuggest po ba kaung trusted insurance company?
CHERRY BELLS hi you can contact me im a licensed financial advisor from Pru Life UK +639754358379
Sir saan pong health insurance maganda kumiha?
we need to see your financial resources, needs and goals first before we can give an accurate recommendation in this regard.
we can do that through our financial consultation. please do visit our website, wealtharki.com for more details.
thanks!
Sir may investment kami sa bpi philam na bpi-philam equity inedex fund 2. Ok ba sir performance ng bpi dito? Kasama insurance sa critical illnesses. Pano ba sir kumikita to Hindi kase namin masyado naiintindihan.
Pano bumili book ninyo sir from Saudi.
Salamat more power.
Neo battlegear the investment portion mirrors the performance of the index. be aware, though, that a portion of what you pay--called the premium charge--goes to insurance premium, so you are not really investing everything that you are paying.
thus, it is not really an investment, but an insurance that can grow with the underlying fund. if you want pure investment, we recommend that you don't go for this one.
thanks!
It sound like VUL, hahatiin gagawin ng bangko diyan sa isang hulog mo mapupunta sa insurance, middle man, then pang huli ang investment.
You gained a subscriber! Thank you for the info Sir :)
thanks! please do share the learnings--and our videos, too!
Meron po bang HMO or health insurance for seniors? Yung kasama din po sana yung hospital confinement
Sir paki answer po ng tanong ni ma'am sa itaas..pls.🙏
Hi, you may pm me. Thank you 😊
Thank you wealth Arki.. Dami na naman namin natutunan. 😊
Lyndon Edoloverio welcome! please do browse our playlist to view our other videos. thanks!
Me,unang lumapit sakin Sun,tpos philam life then huli BDO..kmuha nlng ako ng mutual fund plus life insurance sa bdo add k nlng ng rider kung gusto mo or magta top up ka 10k sa stock market.ipon muna ng emergency fund hehe.
thank you once again mga sir
welcome! please do share the learnings--and our videos, too!
Mga Idol, kindly discuss Forex Trading and when should we start. Sino po nagreregulate ng forex trading? Panu pumili ng tamang broker?
john ezekiel Odtohan we'll definitley discuss that in one of our videos so please do stay subscribed!
Wealth Arki Thank you Idol !!! I will certainly wait..
Also do banks offer Forex Trading?
john ezekiel Odtohan you can buy and sell from them to a certain extent.
Ano po suggested nyong health insurance?
It would depend on a lot of factors such as your financial goals and resources. Best we sit down first so we can discuss these more and recommend which one is best for you. You may email us admin@wealtharki.com to set an appointment. Our professional fee is P1.5k per hour of consultation. Thank you.
Thank u so much po mga sir. I have learned a lot from ur vlogs. I will open an emergency fund thru money market.
thank you and we're glad to know that you learned from our vlog. please do share the learnings--and our videos, too!
Pwede pala un ung emergency fund nasa money market? @wealtharki
Akiko Camille Lavapie yes po! Sa kanila ko rin po natutunan yan na pwede mong ilagay a portion of ur emergency fund sa money market. Try to watch this link..ruclips.net/video/sqMIhaQNjS8/видео.html.
Ah okay a portion!!! Got it sis 😇👍😊
Akiko Camille Lavapie the level really depends on the interplay of client’s liquidity needs and insurance coverage 👍
Thank you so much for the info
Mga sir pwede po ba discuss kayo ng kaoser...
Hi Baya, we can add this topic to our list of suggestions. Thank you!
Kaiser po idol, pa review po.
@@WealthArki tsaka yung senior healthcare na rin ng kaiser..thank you
Nice information. Thanks.
welcome and we're glad to know that you learned from our vlog. please do share the learnings--and our videos, too!
Yung mga alahas po ba is consider as emergency fund? heeh
june reah Lluvido as it does not meet our requirement of liquidity and safety of principal, it is not.
What is the example of the ATM with insurance, Sirs? God bless always po!
so far, you have bpi's pamana and security bank's all access.
How can a minimum wage earner like me start investing? Your videos are very very helpful
ZnelZ04 you can invest in mutual funds for as low as 1k. Please do email us admin@wealtharki.com for more details. Thank you.
Big no no imho dpat invest in yourself first. Saka na mag-invest kapag wala kana sa minimum wage.
I'm wondering if we still need personal Health Insurance on top of the Health Insurance our company provides? (OFW po)
Rio Tañafranca any insurance that your company provides is most probably temporary--that is, it is only good as lng as you are employed. if you still need health insurance even after you leave your current employer, then we suggest you get one. thanks!
Hi mga Sir, tanong lang or advice. Maganda ba ang Pag-ibig MP2 at SSS flexi fund? Gusto ko sana pero gusto ko ng advice galing sa inyo😂😂
Marso3 yes, they are good. But in order to havr a more precise and accurate recommendation, we suggest that we talk more during our financial consultation. Please email us admin@wealtharki.com to set an appointment. Thanks!
salamat mga idol!
thank you and we're glad to know that you learned from our vlog. please do share the learnings--and our videos, too!
Hi, ask ko lang po if pwedeng iconsider ang VUL as emergency fund din?
Honey Pie no, you can’t. It does not meet our prudent standards of an emergency fund: 1) liquidity, 2) safety of capital
No no VUL kasi madaming middleman bago ihulog ng bank sa investment at 1-2year niyan lugi talaga kasi popondohan muna ang insurance part bago sa investment part. Sa chart na pinakita sa iyo lumalabas na dapat doble ihulog mo for example sabi 1k per month ang totoo dapat 3k hulog mo madalas din magkafloating amount kasi walang advance paying sa mga bangko kung sakaling gusto mo mapondohan agad ang insurance part.
@@bimboyaquino7091 pero do you think i made the right decision to take VUL? Mag 1 year palang po akong may VUL. I was 23yrs old then, now 24. Should I continue?
@@sheii28tweet Ikaw makakasagot kung i-continue mo pa kasi insurance iyan wag lang sa 'free insurance'. Kung naka-1year ka may Nareceived ka bang noong 1st Aniv na SOA Statement of Account kasi doon mo makikita saan napupunta yung kaliwaan ng kada hulog mo. Sa akin medyo dismayado kasi although malaki ang inaangat ng fund sa chart madaming fees involve at saka hindi pumasok yung mga advance payment ko nakafloat imbes na naibili sana ng units. Kung matatandaan mo may pinakita sa inyo mga iyan sa assurance na chart of benefits kung saan kikita ang fund value mo ng (4%) (6%)(10%) dito mo ilagay yung nasa SOA deduct mo yung kinaltas ng bangko as Net of Fund Account Value, makikita mo hindi umabot sa criteria na 4%-10% dahil sa hidden fees. Para mas magcompound dapat alligned sa chart doon sa libro na illustrations of benefits na pinakita sa iyo.
So tuwing kelan lang po pwede i withdraw yung pera sa investment niyo?
at pag bumababa po ang stock market anong nangyayare? nababawasan po ba ung pera? or hindi lang nadadagdagan?
Hi Ericka you can withdraw your investment once your reached your target amount.
To know more about the stock market, you may watch our videos on our stock market, mutual fund and UITF playlist.
On another note, we can help you with your investment plans, kindly send us an email at admin@wealtharki.com to schedule a consultation.
ang pagbili po ba ng gold jewelries considered investment?
purple thartz if you plan to sell it in the future with an increase in value, yes.
No hindi babaratin yan ng jewellery pawnshop mabilis magdepreciate yan
Mga sir pano po bumili ng books nyu? Byaran kopo sana sa byad center. Slmat po
Please email us admin@wealtharki.com for your orders. Thanks!
Hello po! Just got invest sa east west bank for life insurance plus investments and 7 years maturity nya. I still have doubts if itutuloy ko p ba. Kasi natatakot ako mapunta s wala hulog ko, first time ko. Please make a review for it. Godbless!
Joan Catherine Capito we can do a thorough and more precise review in our financial consultation. Please email admin@wealtharki.com to book an appointment. Thanks!
Security Bank free life insurance 😂😂
Some VUL has 1-3years to fund the insurance side of that VUL policy then 4-7years they will fund the investment side.
If im retired for my health expenses
Ano po yung link ng video na may atm na may life insurance? Hindi ko po mahanap. Sana po may makatulong. Thanks! 😊
Pao Angad please do look up in our product review playlist. Thank you.
Meron s bpi... Atm na may insurance... Ask k lng s teller
ask ko Lang kung anong bank ang me atm w/ insurance. Thanks
may casiguran thus far there is from bpi and security banks. Thanks!
Any comment for IMG? Lot of comment from previois video asking about IMG. They ask for member fee and will give you discount in Rampver and Kaiser Insurance plus FREE Financial Education etc.
IMHO Big No, madaming middle man bago mapunta sa talagang dapat patunguhan ng pera. At hindi guaranteed ng Gov't kung sakaling tumakas malugi yan tulad ng mga pre-need plans noong 20's.
Sir pa review din po about IMG..pls
And the products they offer.
Sir ibig sabhin po para po sa kgya kong mgccmula p lng dpat po emergency funds po muna ang kunin ko?at hlimbawa po sa loob po ng 6 months at hindi ko po ngamit ung emergency funds, klngan po ba kunin na ung pera o ok lng po n hindi kunin? Pcnxa na po di ko po kc ganu naintndhan po about po sa investing..slmat po sa sagot
your emergency fund is your standby fund for whatever sudden expense happens. for example, if you suddenly need money for home repair or if your vehicle broke down or even f you need money for hospitalization--you get that from your emergency fund.
lee worth kumbaga, ipon mo yan para kung sakaling may mangyari, may mapagkukunan ka ng pera at hindi mangungutang.
Sir ano pong masasabi nyo kung ang Financial goal ko is magkaroon ng passive income monthly ng 50k?Posible po ba yun? isa po akong ofw
it could be done thru a combination of dividend-paying stocks, rental income, and royalties, among others--if you want pure passive income.
Salamat po sa pag reply. Pag aaralan ko pong maigi yung mga nabanggit nyo. Salamat
Gudpm ano po ung video na pde paglgyan ng emergency fund na with insurance po?
Julius mark galapon you can look for our bpi pamana video. thanks!
Sa bdo po ba meron po?
@@juliusmarkgalapon3635 as far as we know, they still do not have
How About bdo kabayan? It is like bpi pamana...
Julius mark galapon yes, it is like that.
Hahahahahahahaha natawa ako sa premature withdrawal at up hahahahahaha
Sir pwede nyo po ba ko mtulungan kung san po ako pwede mginvest na legit na mutual funds? Ntatakot po kc ko n bka m mscam po ako😅 pero gustong gusto ko na po tlga mgcmula un nga lng po ngaalanganin po ako n bka maloko po ako...sir mayron po ba kau facebook page pra nmn po mafollow ko po at para n rin po mkhiingi ng advice po sa inyo..mrming slmat po at mrmi po kau ntutulungan mga tao sa pmmgitan po nito..☺
lee worth you can go to www.pifa.com.ph for the list of legit ones. Thanks!
@@WealthArki
Slamat po☺
lee worth welcome!
Petmalu ka sir fitz, napanood kita sa dzmm with marc logan and amy perez
thank you. i hope that you picked up a thing or two.
Pls sirs help me to find best health insurance company po
we can help you design a health insurance plan as part of our professional services. you may email us admin@wealtharki.com. thanks!
Sir Godbless sa inyo more videos pa
Power!! 😂 😂 😂
Frederick Acera thanks! pease do share the learnings--and our videos, too!!!
walang sout sa ilalim....funny shirt...
Sir db po may Fund Value naman ang mga VUL ma pwdeng withdrawhin for Emergency fund maliban sa Sum Assured?
Jon Christopher Ermitaño yes, but you may find the amount way lower than what you have originally paid becuse of premium and other charges--and check if they have holding period as well. if they do, just hope that no emergency will happen within that period. otherwise, you would be caught with no money to use, if not less money than what you would have wished.
Nalilito ko, pero sabi nyo po dapat may insurance din, you mean Traditional Insurance lang tapos savings for Emergency Fund na?
Jon Christopher Ermitaño the type of insurance depends on your cash flow. but usually, you should have an emergency fund first before having insurance, although you can have both benefits in a saving account with free insurance already.
Saving Account with free insurance? Mukang ok yun ah.. gano nmn po ang coverage nun? Ano po difference nun kumpara sa Insurance sa mga kilalang Insurance firm? Maliban sa free sya..
Jon Christopher Ermitaño this is one such example:
ruclips.net/video/nFVxUCQpe2A/видео.html&lc=z23ffv3wqw3xgxsu1acdp431t0fwek2ry32dswcc01lw03c010c
Thank you for sharing this video! :-)
Seryoso ako nakikinig tapos... BIGLA AKO NATAWA sa Walang Suot Sa Ilalim. Hahahaha!!! Lol 😄😄😄
Hahahahahahahahahah nabasa ko yung comment mo hinihintay ko ma mention nila yung walang suoy sa ilalim. Nasa damit pala, natawa din ako hahahaha
hahaha kuhlet :)
Hug to hug sa munting bahay ko slamat po,slmat po ng marami dagdag kaalaman po itong vlogg nyo para sa isang ofw na tulad ko na gsto mg invest para sa future ng kids ko