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May 12, 2015

Bigger & Better ICON 2015 Slated Towards Financial Freedom!!!

Financial planning, entrepreneurship, trading, investment, and stocks... What do these all really mean beyond their dictionary meanings? Do we know what money management exactly means? Are we utilizing what we earn in the right way to invest and create value for a better future?  What are the risks involved when it comes to trading and stocks? These are a lot to think about. It might even sound complicated and intimidating, but this is where Randell Tiongson’s ICON 2015 comes in. Hailing from the success of last year’s ICON 2014, Tiongson makes a comeback with a conference that’s bigger and better, and promises to have more in store.

ICON 2015 will be held on May 30, 2015 from 8AM to 5PM at the SMX Convention Center, Pasay City. It will be a whole-day event with a packed program flow. Learn the basics, get motivated and ultimately be inspired by the best speakers in the Philippine financial industry. This event is for all walks of life that has a disposable income and a keen interest in learning how to manage what they earn.  In just one day, you will gain the knowledge and tools you need to get started in making the right investments and financial choices.

This year ICON 2015 is bringing you no less than the best speakers and advocates in the field of investing. First is the event’s pioneer, columnist, and best-selling author of “Money Manifesto,” Randell Tiongson. Along with him is the respected lecturer, inspirational speaker and author of Only the Real Matters Francis Kong. Also, the well-known stock market trader and best-selling author of Stock Smarts Marvin Germo, Global Investing Advocate, personal speaker and finance coach Jess Uy, and Economist and Ateneo De Manila University Professor Alvin Ang will be coming in once again this year.

The new speakers for this installment are: the seasoned financial adviser, best-selling author of the “Pwede Na! The Complete Pinoy Guide” series and founder of Personal Finance Advisers Philippine Corporation (PFAPC) Efren Cruz and radio host, wealth coach and best-selling author of “Till Debt Do Us Part” Chinkee Tan. Also, a brief sponsor’s session will be given by Sun Life Financial’s Managing Director (Asia) Michael Manuel as he tackles “Why It Is A Good Time to Invest Now.”

So much talent in one dynamic and event-filled day! Sounds exciting, right?

If you want to join us to this avenue of learning and investing, visit us at Randell Tiongson’s ICON Facebook page and log on to to book your seats as soon as possible! Also stay tuned to for our posts on Twitter (@icon_ph) and Instagram (icon_ph) for more information.

Be part of this and learn how to invest for a greater future!

Program Flow


Mamimigay kami ng DALAWANG (2) GOLD PASS AT TATLO (3) SILVER PASS!!!

Kailangan mo lamang sagutan ang mga sumusunod:
1. Paano ka natulungan ng Mag-Invest Ka Pinoy sa iyong buhay pinansyal?
2. Ano ang Mission ng Mag-Invest Ka Pinoy?

Email mo samin sa: ang iyong kasagutan at sundan ang aming hinandang format:
Name: Jo Valerio
Contact #: 0917 123 4567
Ang pa-raffle na ito ay hanggang May 17 lamang. Bawat entries na aming matatanggap ay may kaukulang numero at amin itong iraraffle. Ang pinaka mapalad na aming mabubunot ay makakatanggap ng email kung paano ang proseso ng magkuha ng ticket.

Maraming Salamat Po sa patuloy inyong pagsuporta sa MAG-INVEST KA PINOY!

Apr 29, 2015

Four Intriguing Social Anxiety Issues that Millennials May Want to Treat to Save Finances

While a few nods to the claim, most Filipino Millennials prove that being stereotyped as privileged individuals, who have their finances as the least of their worries, is a myth. Contrary to the idea, many of them are stressed since they constantly have to come up with witty responses to being branded cheapskates because they, indeed, prefer living frugal and simple lives. 

However, it’s a different story for Filipino Millennials who are dealing with various social anxiety issues on the side. As much as they wouldn’t want to, they end up screwing their budget whenever they’re under pressure. Despite brilliantly laid out plans of being financially responsible, they tend to be the most illogical persons the instant a set of social situations comes up.

Here’s the list of their social anxiety issues:

1. The incessant need to be above
Some Filipinos are socially crippled by their incessant need to be above. For them, they have a right to be anxious and push aside any plans of following a personal budget because there’s always competition. From their choice of clothes, condo units, and office furniture, to having the sexier and more gorgeous date to a party, they crave to be better and have something better than the person next to them.

Consequently, this anxiety issue ends up killing their chances of being in total control of their finances. Because they want to be better than the others, they’re usually willing to go off-book and purchase items that could allow them to elevate their status from that of another’s.

2. The fear of missing out
A 3rd-generation iPod Nano would suffice for many Filipinos. However, for those who think that fitting into society means having the latest model of the music player, it wouldn’t. 

In the aforementioned scenario, Filipinos with the particular social issue are afraid that unless they act similar to the rest of society, they’re doomed to be left behind. Thus, even if they hadn’t planned a purchase of over P10, 000 originally, they’ll figure out a way to get a brand new Apple product for themselves.

3. The crowd chooser
Some millennials are suffering from a type of social anxiety if they go out of their way to avoid certain people. For them, stumbling upon them will herd in bouts of overwhelming emotions. Whether the subjects will make them feel too happy, irritated, embarrassed, or nervous once they laid eyes on them, they refuse to have any intention of acknowledging those people’s existences.

For instance, instead of planning to walk along the street from the offices to their houses, they choose to spit out P70 for taxi fare. Because they do not want anything to do with the crowd, they’re about to encounter, they make plans contrary to their usual afternoon stroll.

4. The urge to be the star
Because of their urge to be the star at a gathering, many Filipino Millennials will ditch the idea of keeping a handle on their spending habits. With this social anxiety problem, they’re making themselves believe that it’s not them who are the star. Rather, it’s their new possession: the new dress, new car, new smartphone, new shoes, a new purse, and what not. 

Unless they’ll indulge in the desire to be on the spotlight, they are likely to go all over the place. Among the worries that are theirs for the taking are paranoia, self-hatred, self-doubt, self-pity, and jealousy.

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Apr 20, 2015

The Real Price of Borrowed Money

So what’s the real price of borrowed money? The quick answer of course is whatever the loan’s principal is plus interest and fees. And that’s true if you’re getting a loan from a bank or from small finance companies who might have given you a flier while you were walking to the office.

But in reality, it’s more common for us Pinoys to borrow not from firms but from family members and friends. For small entrepreneurs, “5-6” is another more common source of credit and many don’t seem to mind paying the high interest rates from these informal lenders for the convenience of having their lender drop by their store every day to collect the daily “hulog” or payment.

The answer to what the real price of borrowed money becomes a little more complicated than just interest and fees when your lender is a “kamag-anak” or a friend. When you’re the kamag-anak or kaibigan who was approached for a loan, there are a few things to consider before lending money to friends but when you’re the one who needs a loan, what should you consider before you ask for a leg up? Here are some food for thought.

Many Pinoys are hesitant to take out a loan because of “hiya” and that’s understandable. Having an “utang” has a negative connotation in our culture so it takes a lot to swallow one’s pride to ask for financial help.  How can you put a monetary value on something as intangible as pride?

The same goes for collecting debt. A friend or relative, especially close ones find it hard to approach you when you owe them money. It takes pride swallowing and even a certain amount of risk. For some reason, there are those people who antagonize the collector instead of knowing that debt should be collected and repaid after a fair amount of time. This happens more often when the lender is well-off and has a lot to spare. For some reason, we tend to think that well-off kamag-anaks owes us and are obligated therefore to lend us money without the pressure of having to pay it back on-time.

How Strong Is Your Relationship?
Borrowing money, and owing a debt, can put a strain on a relationship. Money problems are a big reason why couples split up and if you’re borrowing money from a relative or a friend, it can definitely strain your relationship if you’re unable to pay the debt. 

To avoid losing a friend or falling out from the good graces of your ninong, make sure that you prioritize paying whatever you borrow. If the amount you need is above your ability to repay soon, be honest about it and ask them if they understand that it will take you time to repay it all back. Don’t let a good friendship go to waste over money.

Friendships don’t just end because you have a debt. When word gets out that you have debt, it causes a lot of hurt feelings. One consequence of having a debt is that people can talk about it. It’s still connected to the negative connotation that we have about debts so that’s another thing to consider before you borrow money.

The Price of Lost Opportunity
Money deposited on a savings account earns interest, and money invested on investment machinery earns even more. Owing someone cash, is owing someone lost opportunity. Not just the opportunity to spend it on something that they may want or need at the time, but also the opportunity of investing it and growing that money.

This is most especially evident in times of emergency. This may not be a case of missed investment opportunity. But in cases where the lender failed to save up for emergency, the money that could have been used for the unexpected expense won’t be there. In such cases, stress will be the least of the lender’s worries. Coming up with the sum would often require them to take borrow or take up a loan themselves, which in turn will gain interest. These situations will cost the lender more than it should have had if he hadn’t lent the money in the first place.

Is Money What You Really Need?
Sometimes, it’s easy to believe that money is the solution to your problem but a lot of the times when you might discover that something else may be a better solution. When you find that you’re chronically low on funds that prompts you to borrow money, it may be time to assess whether your source of income is enough and it may be time to augment it or to find another job that pays more. Or perhaps you’re spending too much on some things and you need to cut back on these expenses to avoid borrowing money. To live within your means is an advice we hear over and over, and is one advice we should adhere to for us to avoid having to borrow money unnecessarily. 

These are some of the things to consider before you borrow money from a relative or a friend. Lots of times, you can avoid paying an interest for this loan and this is one reason why many choose this option over getting a personal loan or getting a cash advance from a credit card. But they still have costs that you need to be aware of and weigh before you suck up your pride and ask for help.

This post is brought to you by: is the Philippines’ leading financial comparison site where you can save money by comparing financial and car insurance products and services – fast, comprehensive, and free. We aim to give the power of smart purchase decisions back to Filipino consumers by providing everything they need to become financially savvy. 
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Apr 6, 2015

Frequently Asked Questions and Answers

Paano Mag-Invest?
Maari kang makapag-invest sa Mutual Fund, UITF, Direct Stock Investing o sa Property Investment.

Narito ang ilang paraan kung paano ka makakasabay sa tuloy-tuloy na pag unlad ng Pilipinas:

Bakit kailangan Mag-Invest?
Una, Depende ito sa layunin o goal mo. Maaaring ito ay sobrang pera na nais mong ilagak para kumita at magamit para sa iyong Retirement, Dream House, College Fund ng mga bata. Pangalawa, Alam natin na hindi kalakihan ang kita ng ating Savings sa bangko. At kung hahayaan mo lang ito doon sa matagal na panahon ay lugi ka dahil sa epekto ng inflation. Para sa dagdag na paliwanag, basahin mo ito "IPON o INVEST, Alin nga ba?"

Kung Mag-iinvest ako sa Mutual Fund, UITF o Stock Investing sigurado bang kikita ito?
HINDI. Subalit, ayon sa historical data, kung i-aaverage mo ang kita at lugi ng iyong investment, nahihigitaan nya ang kita na ibinibigay ng savings sa bangko. Mahalagang malaman mo na sobrang pera o perang hindi mo kakailanganin sa mahabang panahon ang dapat mo gamitin kung nais mong mag-invest sa Mutual Fund, UITF at Stocks.

If I'm working overseas, can I still invest in Mutual Funds/Stock Market in the Philippines?
YES. All you need to do is fill-up the application form, scan the requirements and email it to them so they can verify. Once verified, Send the original documents via mail. You also need to remit your initial Investment in their designated bank account.

I have documented the steps on each Investment Type:

Apr 2, 2015

Tips for Getting Your Family Out of Debt

Take Stock of Your Assets

Sometimes, a lot of your money is locked up not in the bank or under your bed but perhaps it IS your bed. By that I mean you may have bought furniture like beds, or flat screen TVs or consumer electronics that you may not be using as much. Don’t be reluctant to sell off appliances you don’t need and don’t think of it as a desperate move to get more cash to pay down your debt. Think of it as a de-cluttering exercise that lets you earn money—money that you can use to pay down your debt. 

Much has been said about minimalist or frugal living these days. It might be a good idea for you to jump in on the bandwagon and cut down on the number of things that you own. If you sell your game console for example, you don’t have to spend on games anymore!

Savings vs. Debt Payment

If faced with a choice to put money towards savings or to pay down debt, choose to pay down debt. Why? Because the interest rate on your debt will undoubtedly be higher than the interest you can earn from your savings. 

Compare financial products online and see for yourself how loan interest rates are usually higher than the interest you earn on your savings account. Prioritize debt payment and start rebuilding your savings instead once you’ve eliminated your debts.

Be Relentlessly Thrifty

Pinoys are fond of “sidelines” or raket and that’s good. When faced with debt, earning a little more with the help of a side job can go a long way. But not everyone has the time or the skillset to take on another job and what do you do in this case? 

Be relentlessly kuripot. It may take some practice to be a little more frugal if you grew up without thinking twice about buying something at the mall, but if you stick to your plan, you’ll eventually get the hang of it. Even grownups can fail to differentiate between wants and needs. To be kuripot means knowing the difference of these two and finding ways to save up for your wants.

Don’t be disheartened if you and your family are struggling with debt. There are ways to get out of it and being more mindful of your expenses is one. Taking a strategic plan to tackle debt through the snowball method or by talking to debtors are some other the ways to get out of debt. 

It might take a lot of sacrifice but when you finally make the final instalment and realize you have more money in your hands to spend on things you want, you’re going to realize it’s all worth it. Know of other ways to get out of debt? Share it in the comments below!

This post is brought to you by: is the Philippines’ leading financial comparison site where you can save money by comparing financial and car insurance products and services – fast, comprehensive, and free. We aim to give the power of smart purchase decisions back to Filipino consumers by providing everything they need to become financially savvy. 
Like us on Facebook to get the latest tips on how to save.

Mar 22, 2015

How To Spot A Real Estate Scam

The property listing almost looks too good to be true - it is in the perfect location, has beautiful photos and is well below your budget. You send off an inquiry and receive a quick response: the landlord is currently overseas and cannot show you the home. But if you can wire through a deposit as soon as possible, the property is yours.

For many people who have tried to rent a property online, this scenario might sound all too familiar. While new technologies have made it easier than ever before for property seekers to get all the information they need to supercharge their house hunt, the Internet has also made it easier for online fraudsters to target both buyers and renters.

But by being aware of a few tell-tale signs, house-hunters can learn to quickly sort the scammers from the legitimate real estate agents. Global property network Lamudi has compiled a guide to help online property seekers avoid falling victim to a scam.

Always insist on inspecting the property.

Never agree to make any payments upfront or sign a contract without first inspecting the property. Viewing the property and meeting the agent in person are the best ways to guarantee that the listing is legitimate.

Verify the identity of the person you are dealing with.

Take steps to check the agent you are dealing with is a licensed broker or agent. In the first instance, a simple online search can help you detect a scam. Try searching for the property’s address, the name of the agent and their email address.

Avoid listings that have been posted multiple times.

One common scam is for fraudsters to copy an existing (and legitimate) listing of a property for sale and repost it as a rental, with their own contact details attached. Look out for duplicate listings which have different asking prices.

Never give away your personal information or documents.

You should never be asked to provide your bank account details or personal identification documents to someone over the internet. Importantly, never provide your credit card verification code to anyone.

Remember that if it sounds too good to be true, it probably is.

One of the most important rules in real estate is that if a deal sounds too good to be true, it most likely is. Be skeptical about any online listings for attractive properties which are very well priced for the area. Scammers often use these very low prices to lure property seekers.

If you detect a scam, get in touch.

Focus your search on properties listed by well-known real estate agencies and trusted classifieds websites. Once you have detected a possible scam on a real estate search website, notify the platform immediately.

Launched in 2013, Lamudi is a global property portal focusing exclusively on emerging markets. The fast-growing platform is currently available in 28 countries in Asia, the Middle East, Africa and Latin America, with more than 600,000 real estate listings across its global network. The leading real estate marketplace offers sellers, buyers, landlords and renters a secure and easy-to-use platform to find or list properties online. For more information, please visit

Mar 17, 2015

Tips for Getting Your Family Out of Debt

“Utang sa bumbay… utang sa credit card… utang sa mga kamag anak at kaibigan.” Are you having difficulties with any of these types of debt? We feel you. It’s tough living with debt. Unlike in other countries, Pinoys are generally debt-averse because we don’t want others to know that we are in debt so there’s this “hiya” attached to having debt.

Don’t lose hope, there are ways to get out of debt. But before you embark on the process to get out of debt, you’ll need to first figure out the reason why you’re in debt. Sometimes, being in debt is a symptom of a problem and not THE problem.

See the Big Picture 

Take a look at your recurring expenses. These are your monthly bills like your Meralco bill, your water bill, the cable TV, postpaid mobile phone bill, or your home loan payment. How much are you paying for these every month? You might discover that these cost more than what you take home every month. If that’s the case, it’s time to find ways to cut these expenses.

Do you know which category you spend on the most every month? Is it for food, on household bills, or perhaps on shopping? Download an expense tracking app on your smartphone today and start categorizing your daily expenses. Knowing which categories you spend on the most allows you to get a clearer picture of which area you can easily cut back on.

Rethink how many electronic appliances you really need and cut back on running the aircon at night to save electricity. Can you downgrade to a cheaper postpaid plan? Postpaid plans are always changing and you may be able to save a good amount just by switching to another plan.

Snowball Method to Pay Off Multiple Debts

Are you faced with multiple debts? You could try the snowball method: Start by paying off the debt with the smallest balance. For example, you owe balances amounting to P5,000, P17,000, and P25,000 to various lenders. Pay off the P5,000 debt first, then the P17,000 next, and the P25,000 debt last. You pay the minimum on the bigger debts and put any extra towards paying off the smaller debt. 

There’s a psychological benefit to this method as you systematically get rid of your debt. Each debt that you eliminate is a victory that gets you raring to take on the next step.

Talk to Your Debtors

Whether it’s an unpaid bill or a credit card bill, talk to your debtor and see if they will work with you to bring your debt down or at least negotiate the terms of your debt. Your credit card provider may be able to offer you a lower interest rate if you explain to them your current situation and assure them that you’re working on paying down your debt.

This post is brought to you by: is the Philippines’ leading financial comparison site where you can save money by comparing financial and car insurance products and services – fast, comprehensive, and free. We aim to give the power of smart purchase decisions back to Filipino consumers by providing everything they need to become financially savvy. 
Like us on Facebook to get the latest tips on how to save.

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