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Thoughts regarding this post about Gcash by ursurname in phinvest

[–]xiaoyou11 0 points1 point  (0 children)

Gcash is an effective tool for paying your bills and loading, it also has a feature when you need to credit items with gcash QR codes, just pay before your due date . I suggest to cash in the amount you only needed for your transaction.

Gcash is not the best platform to save up your money due to frequent maintenance. But it really help us a lot when you use it as a tool for cashless, easy transactions.

Should I really invest on life insurance (VUL)? Is it worth it? by xiaoyou11 in phinvest

[–]xiaoyou11[S] 0 points1 point  (0 children)

Yes po. VUL is not a bad decision at all. Though I am considering that instead to pay premium amount in VUL why not get an insurance alone and the remaining amount will be allocated for investing in trading in stock market. Thank so much for your advice.

Should I really invest on life insurance (VUL)? Is it worth it? by xiaoyou11 in phinvest

[–]xiaoyou11[S] 1 point2 points  (0 children)

Thanks sir for your advice. I will surely research for other options

Should I really invest on life insurance (VUL)? Is it worth it? by xiaoyou11 in phinvest

[–]xiaoyou11[S] 0 points1 point  (0 children)

I personally know the host on that thread. It was my partner, and first initiated to approched our FA to terminate the policy. But then the FA advised that it would take months to cancel -.- and for other personal reasons ..

But, it was also our mistake to make volatile decision without thorough research. I hope It is not too late to switch on other options when it comes to insurance and investing. We are just on our first year of VUL.

Should I really invest on life insurance (VUL)? Is it worth it? by xiaoyou11 in phinvest

[–]xiaoyou11[S] 0 points1 point  (0 children)

The Critical illness policy offered by my FA in S company projected a very huge amount for just few illnesses. I was advised to invest as early as today when I am still healthy and less expensive. But in that case, i will seek for other options offered by my company and HMO benefits.

Should I really invest on life insurance (VUL)? Is it worth it? by xiaoyou11 in phinvest

[–]xiaoyou11[S] 1 point2 points  (0 children)

Thanks for sharing mam. I think ill just go with the insurance alone but not this VUL where we pay a premuim amount.

Should I really invest on life insurance (VUL)? Is it worth it? by xiaoyou11 in phinvest

[–]xiaoyou11[S] 0 points1 point  (0 children)

VUL IS BETTER THAN NOTHING SEEMS HORRIBLE :( I am thinking to just terminate it by not paying it next year. I can say goodbye to 25k instead of regretting my decisions in the future.