InvestWise PH

InvestWise PH InvestWisePH was founded because of the desire to help every Filipino to become FINANCIALLY LITERATE.

Imagine this...May ipon kang ₱500,000 sa bank. Bigla kang tinamaan ng critical illness—heart attack, cancer, o iba pang ...
20/07/2026

Imagine this...

May ipon kang ₱500,000 sa bank. Bigla kang tinamaan ng critical illness—heart attack, cancer, o iba pang seryosong kondisyon.

Pero dahil may health insurance ka, covered ang eligible medical expenses mo.

Instead na maubos ang pinaghirapan mong ipon, nananatili itong buo para sa pamilya mo, sa negosyo mo, o sa mga pangarap mo.

Ang insurance isn't just about paying hospital bills. It's about protecting the wealth you've worked so hard to build.

Protect your health.
Protect your savings.
Protect your dreams.

Message me if you'd like to know how health insurance can fit your financial plan.

“Magkano dapat ang Life Insurance Ko?”Kung ikaw ang breadwinner or isa kang magulang, this is the minimum insurance cove...
19/07/2026

“Magkano dapat ang Life Insurance Ko?”

Kung ikaw ang breadwinner or isa kang magulang, this is the minimum insurance coverage you need.

Let’s break it down 👇
📌 Monthly Expenses: ₱30,000
📌 Times 12 = ₱360,000/year
📌 Then times 10 = ₱3.6 Million

Pero wait, bakit nga ba times 10?

✅ Kasi kung mawala ka, your family needs at least 10 years of financial protection habang nag-a-adjust sila.
✅ At kung i-invest nila yung ₱3.6M into something that earns 10% per year, that’s ₱360,000 passive income/year or exactly ₱30,000/month.

👉 Covered pa rin ang expenses nila.
👉 Hindi nila kailangang baguhin bigla ang lifestyle.
👉 May time silang maka-recover emotionally and financially.

Hindi ito para sa’yo ito ay para sa mga iiwan mo.
This is not about death, it’s about love and responsibility.

Make sure insured ka ng tama.

Around 7 out of 10 people buying a new iPhone or Mac insure their device from accidental damage and/or theft.That’s what...
15/07/2026

Around 7 out of 10 people buying a new iPhone or Mac insure their device from accidental damage and/or theft.

That’s what the staff at Power Mac Center told me when I recently bought a new device there.

Yet most Filipinos still don’t own a personal life insurance policy.

Many only have temporary coverage through their employer—coverage that disappears when they leave their job.

According to the Insurance Commission, the Philippines’ life insurance pe*******on remains under 2%.

Many Filipinos remain uninsured or underinsured despite the financial risks families face.

Ironic, isn’t it?

We rush to insure the things we can replace.

Yet we delay protecting the one thing our family can never replace—our ability to earn, our health, and our life.

If we can spend a few thousand pesos each year to protect a phone…

We can at least have a conversation about protecting our families.

Try mong manghingi ngayon doon sa friend mo na nagsabi na okay na ang HMO lang. Anong probability na may ibibigay siya?R...
04/07/2026

Try mong manghingi ngayon doon sa friend mo na nagsabi na okay na ang HMO lang. Anong probability na may ibibigay siya?

Real talk tayo, basahin mo ito.

Makinig sa Advisor at sa kaibigan mo pareho, pero ikaw pa din magdedecide at the end of the day.

𝐄𝐅 + 𝐇𝐌𝐎 + 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐅𝐮𝐧𝐝 𝐄𝐱𝐩𝐥𝐚𝐢𝐧𝐞𝐝:

Emergency fund - start with one month muna, until mabuo mo 6-12 months worth of emergency fund mo. Prepared ka if in case maxed out HMO at hindi covered ng health insurance because thank God, hindi pa critical illness. Anything emergency.

HMO - checkups, lab tests, hospitalization, dental, annual physical exam, think smaller cases.

Health Insurance - bigger cases like heart attack, cancer, kidney failures, anything critical. Lump sum money can help cover expenses outside hospitalization like maintenance.

Ano uunahin? Dumaan ka sa planning para makapag-strategize kasi for your future and your family 'yan.

A friend recently reached out because he needed 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐝𝐞𝐦𝐩𝐭𝐢𝐨𝐧 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐌𝐑𝐈) for his housing loan.Sabi niya, “Ika...
04/07/2026

A friend recently reached out because he needed 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐝𝐞𝐦𝐩𝐭𝐢𝐨𝐧 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐌𝐑𝐈) for his housing loan.

Sabi niya, “Ikaw na bahala.”

Pero ang una kong sinabi?

“Kunin muna natin yung quotation ng bank.”

Kasi para sa akin, hindi naman dapat automatic na sa akin kukunin. Ang importante, malaman muna natin kung alin ang mas makakatipid ka. Your money deserves that kind of due diligence.

After comparing the options, we found something surprising.

His ₱14 million MRI requirement could be covered by Sun Life, and his application was approved. More importantly, he’ll be saving around ₱17,000 every month compared to the insurance initially offered by the bank. Yes 17,000 difference!!

Honestly, hindi ito alam ng marami.

Kapag may housing loan, maraming nag-a-assume na kailangan sa bank na rin kunin ang MRI. In many cases, you can also source it from an insurance company, as long as it meets the bank’s requirements.

For me, that’s what financial advising should be.

Hindi lang tungkol sa pagbenta ng policy. It’s helping people compare their options, understand what they’re paying for, and make sure they’re getting the best value for their hard-earned money.

Sometimes, the best financial advice starts with, “𝐓𝐢𝐧𝐠𝐧𝐚𝐧 𝐦𝐮𝐧𝐚 𝐧𝐚𝐭𝐢𝐧 𝐥𝐚𝐡𝐚𝐭 𝐧𝐠 𝐨𝐩𝐭𝐢𝐨𝐧𝐬.”

And the best feeling is to inform your client..
𝐘𝐨𝐮𝐫 𝟏𝟒 𝐌𝐈𝐋𝐋𝐈𝐎𝐍 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐂𝐎𝐕𝐄𝐑𝐀𝐆𝐄 𝐈𝐒 𝐀𝐏𝐏𝐑𝐎𝐕𝐄𝐃!!

Hindi kita mamadaliin, pero ‘pag natapos mo akong kausapin at ma-explain ko sa’yo lahat sa pinakasimpleng paraan, masasa...
04/07/2026

Hindi kita mamadaliin, pero ‘pag natapos mo akong kausapin at ma-explain ko sa’yo lahat sa pinakasimpleng paraan, masasabi mo na lang na…

“𝐃𝐚𝐩𝐚𝐭 𝐩𝐚𝐥𝐚 𝐦𝐚𝐭𝐚𝐠𝐚𝐥 𝐧𝐚 𝐚𝐤𝐨𝐧𝐠 𝐧𝐚𝐠-𝐬𝐚𝐯𝐞 𝐚𝐭 𝐤𝐮𝐦𝐮𝐡𝐚 𝐧𝐠 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞.”

Kung totoo ba ang benefits ng life insurance— hindi na ‘yan question. You can do your own research.

Kung mahal ba ang life insurance— marami tayo pagpipilian. May mga client ako na 15k ang monthly income pero may 1M insurance.

Kung… ah basta... Message your Trusted Financial Advisor — yung willing ka turuan at samahan sa journey mo. 💛

“AT LEAST THE BILLS ARE PAID ERA”It’s end of the month, sweldo day and the bills are waiting to be paid.The familiar sto...
29/06/2026

“AT LEAST THE BILLS ARE PAID ERA”

It’s end of the month, sweldo day and the bills are waiting to be paid.

The familiar story.

The part of life where you’re broke but not unemployed.

Working but still not earning enough.

Living paycheck to paycheck.

You’re not “broke” because you can’t splurge. You’re someone who put responsibilities first,
someone who tried to make ends meet.

If you pay your bills, pay for your transport and other monthly necessities and you’re left with little to no amount for yourself, you’re not “broke.”

If you’re in this season, remember:

THE BILLS ARE PAID.

You showed up.

You prioritized.

You took care of what needed to be taken care of.

Take it easy. You’ll have more for yourself soon.

You did well this month. 👏🏻

Looking back, ang daming plot twist ng buhay natin. And the best plot twist is when God's hand is on it.🎯Maybe, muntik k...
24/06/2026

Looking back, ang daming plot twist ng buhay natin. And the best plot twist is when God's hand is on it.🎯

Maybe, muntik ka na mawalan ng trabaho, but now, you are the Manager of a company.

Maybe, you've almost given up on your life, but now, you are now successful.

Maybe, dapat wala nang patutunguhan ang buhay mo, but God saved you and restored you.

If we will just take a moment and look back on what God has done on our lives, we'll be surprised that there's a lot of undeserving things we have received because of God's grace.

Ngayon, halos nasa kalagitnaan na tayo ng taon.

Maybe nawawalan na ng pag-asa.
Maybe, pasuko ka na.
Maybe, natatakot ka sa mga pwedeng mangyari.

But just like what God had done in the stories in the Bible, there's a plot twist that's about to happen in your life!

He is the God of plot twist!
He takes what the enemy meant for evil and turn it for good!💯

Hold on! Keep the faith!

Here's the truth:The moment you decide to start saving and investing for your future, it might feel uncomfortable.Why?Be...
17/06/2026

Here's the truth:

The moment you decide to start saving and investing for your future, it might feel uncomfortable.

Why?

Because every peso you set aside is a peso you choose not to spend today. It means saying "not now" to some wants so you can say "yes" to bigger goals later.

And that's okay.

Some of the best decisions in life come with temporary discomfort. They push you out of your comfort zone and require discipline, patience, and sacrifice.

But don't mistake that discomfort for a bad decision.

That temporary pain can become your future freedom.

✨ The savings you build today can become your emergency fund tomorrow.

✨ The investments you start now can create opportunities later.

✨ The sacrifices you make today can give you choices, security, and peace of mind in the future.

The journey may not always feel easy, but your future self will thank you for starting.

Because the hardest part isn't growing your money.

It's making the decision to begin.

🚨 “Kaya ba talaga, o pinipilit lang?”Ready ka na ba sa bahay at kotse?Masarap sa pakiramdam kapag pareho kayong kumikita...
17/06/2026

🚨 “Kaya ba talaga, o pinipilit lang?”

Ready ka na ba sa bahay at kotse?

Masarap sa pakiramdam kapag pareho kayong kumikita o nasa magandang income phase na bilang mag-asawa. At madalas, doon pumapasok ang thought na:

💭 “Deserve na natin ’to.”

Totoo naman. Pero tandaan:

Deserve ≠ Financially Ready.

Bago mag-commit sa malaking monthly payments, siguraduhin nating kaya ng budget — para hindi monthly ang bayad at monthly rin ang stress. 😅

✅ Safe Budgeting Guide

🏠 House Loan
• Safe range: 25%–30% ng combined gross monthly income
• Ideal: 20% or lower, lalo na kung may anak o iba pang financial obligations

🚗 Car Loan + Gas + Maintenance
• Safe range: 10%–15% ng income
• Tip: Huwag monthly amortization lang ang i-compute. Isama ang gas, insurance, maintenance, registration, at repairs.

⚠️ TOTAL Housing + Car Expenses
• Target: 40%–45% max ng monthly income

Kapag lagpas dito, mas mahirap magtabi para sa:
✔️ Emergency Fund
✔️ Savings
✔️ Investments
✔️ Family Goals

Sample Computation

👨‍👩‍👧 Miguel & Jell

Combined Income:
💰 ₱60,000 + ₱40,000 = ₱100,000/month

🏠 Safe House Budget:
₱25,000–₱30,000

🚗 Safe Car Budget:
₱10,000–₱15,000

💸 Total Monthly Commitment:
Up to ₱40,000–₱45,000

Beyond that, maaaring maipit ang cash flow at mahirapan sa ibang financial priorities.

Pero paano kung may biglang mangyari?

❓ Nawalan ng trabaho?
❓ Na-diagnose ng critical illness?
❓ Naaksidente at hindi makapagtrabaho?

Ang bahay, kotse, at mga pangarap na pinaghirapan ninyong buuin ay maaaring malagay sa alanganin.

💛 Dito nagiging mahalaga ang Life Insurance.

Hindi ito para sa iyo lang. Para ito sa mga taong maiiwan mong umaasa sa'yo.

✔️ May pondo kahit mawala ang income
✔️ Mas protektado ang pamilya
✔️ Hindi agad mabubulabog ang mga financial plans

💥 Kaya ang mas mahalagang tanong ay hindi lang:

“Kaya ba ang house at car?”

Kundi:

“Kaya ba ng pamilya mo kung mawala ang income mo bukas?”

Protect the life you're building while you're healthy and insurable.

📩 Message me if you want help reviewing your budget and protection plan.

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2/F, ACE Building, 101-103 Rada Cor. Dela Rosa Street , Legaspi Village
Makati
1229

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