When you hear “Philippine Stock Exchange Index” or PSEI, it sounds like the heart of local investing — the benchmark that supposedly represents the country’s biggest and best companies. But here’s the truth that many don’t talk about: most Filipino … Continue reading
Building wealth doesn’t happen overnight — it’s a journey that changes depending on where you are in life.A 25-year-old shouldn’t invest the same way as someone in their 50s. Your goals, risk tolerance, and time horizon evolve with age, so … Continue reading
When financial experts say you need an emergency fund, it often sounds like vague advice — “Save three to six months of your expenses.” But for most Filipinos, the question is: How much is that, exactly? In this post, we’ll … Continue reading
When it comes to personal finance, two essentials often come up: building an emergency fund and getting life insurance. But ask 10 people which one to prioritize first, and you’d get 10 different answers. In this article, we’ll clarify the … Continue reading
What Is an Emergency Fund? An emergency fund is a dedicated amount of money set aside to cover unexpected expenses like medical emergencies, job loss, urgent home repairs, or even family emergencies. It’s not for buying a new phone or … Continue reading
Managing your salary can feel overwhelming, especially when bills, savings goals, and unexpected expenses keep piling up. If you often wonder where your money went before the next payday, then the 50-30-20 rule might be the budgeting formula you need. … Continue reading
For most Filipinos, hitting that ₱1 million mark feels like the ultimate financial milestone. Whether it’s for building a house, starting a business, or simply securing your future—₱1M is no small feat. But here’s the truth: it’s possible, even if … Continue reading
The Philippines is taking a big step in protecting consumers from online gambling. Major e-wallets like GCash and Maya have removed in-app access to online gambling platforms following a directive from the Bangko Sentral ng Pilipinas (BSP). This move is … Continue reading
Effective July 1, 2025, the Philippine government rolled out a flat 20% final withholding tax (FWT) on all interest income from bank deposits. Yes, kahit anong klase pa ’yan—regular savings, time deposits, or foreign currency accounts—basta may interest, may bawas … Continue reading
One of the key questions people often ask is, “Should I be saving or investing my money?” The answer is not always clear cut and there are pros and cons to both. In this post, we’ll explore the difference between … Continue reading
