Tuesday, April 15, 2014

Mutual Fund NAVPS: Compute Your Mutual Fund Earnings in 3 Simple Steps

Is your mutual fund investment earning money for you? 

After reading about the benefits of investing in mutual funds in the Philippines, most of you have taken to emailing me their questions about how to earn in their investments. 

Here's a short (edited) email sent to me by one of The Wise Living's readers: 
Hi! Lianne,

I would like to ask questions regarding Mutual Funds.What is NAVPS? I've read that you can sell your share and redeem it. Please correct me if I'm wrong. Thanks! 
Most of you guys have sent variations of that email, so we've decided to make a general post about it. Let's get this mutual fund party started! 

Mutual Fund NAVPS: Compute Your Mutual Fund
Yay, math that isn't complicated!

1. Get the total number of shares that you own in your mutual fund investment. 

When you invest in mutual funds (or when you get a VUL), you buy shares of the mutual fund company, right? 

The price per share is called the Net Asset Value Per Share (NAVPS). This price changes daily and it depends on the investment type that you have. 

We'll do a real-life scenario, based on actual figures, okay? 

For example, last June 26, 2006, you invested P20,000 in Sun Life Balanced Balanced Fund which has P1.5542 as its NAVPS for that day. 

Number of shares = Investment Capital / NAVPS 
Number of shares = P20,000 / P1.5542
Number of shares = 12,868.36
Since there are no half shares, we'll get the whole number.
Number of shares = *12,868

* Assuming that there are no fees, since you invested in a Back Load option: meaning, you'll hold your investment for 5 years or more. 

You got 12,868 shares when you originally invested. Assuming that you didn't add any subsequent investments,  12,868 is the total number of shares that you own. Of course, this will increase if you added more investments. :) 

2. Get the current NAVPS value of the mutual fund you invested in. 

It's now April 15, 2014, tax season. After giving your hard-earned money to BIR (and not getting any transparency in the tax allocation scheme), you realize that you're short in cash, so you want to redeem your investment. It's been 8 years, after all! 

Right now, the NAVPS is P3.5342. Where did we get this amount? It's displayed on Sun Life's website. 

3. Get the profit of your mutual fund investment. 

Take note that you can only get profit once you actually redeem your investment. Otherwise, it's just "paper income." 

Profit = (Current NAVPS - Original NAVPS) x total number of shares that you own 
Profit = (P3.5342 - P1.5542) x 12,868
Profit = P25,478.64

Another way you can compute this is: 

Profit = Current investment value - Beginning investment value

Beginning investment value = 12,868 shares x P1.5542
Beginning investment value = P19,999.4456

Current investment value = 12,868 shares x P3.5342
Current investment value = P45,478.0856

Profit = Current investment value - Beginning investment value
Profit = P45,478.0856 - P19,999.4456
Profit = P25,478.64

It's as easy as 1-2-3, right? 

See, investment doesn't need to be such a pain in the head. It doesn't have to be complicated and it doesn't need to make your nose bleed! 

For any comments/questions, feel free to comment. 

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Get a FREE VUL proposal - personalized and made especially for you or open a mutual fund account now. Simply fill out this form. 

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Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741 

And we can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works. 

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) Thank you, wonderful people!

Live wisely,








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Wednesday, April 09, 2014

Rio 2 Movie Review: 5 Life Lessons Rio 2 Taught Me

Did you notice these life lessons from Rio 2 too? 


My family and I just came back from watching Rio 2 at Powerplant Mall, Rockwell in Makati City. (Take note: they don't sell cheese sauce exclusively. You've got to buy the nacho, too! No, thanks.) 


The movie, although targeted to kids and the childlike (childish?) population, highly appealed to me because of the life lessons that it made me realize. 

You might call them cliche, highly over-used or even extremely cheesy, but these life lessons are responsible for helping you make better decisions, do better actions and even let you feel better about yourselves: 

rio 2


1. People are scared of things that they personally don't understand. 

The movie: 
Jewel's dad, Eduardo, hates humans because some of them burned their homes in the past. Now, he wants nothing to do with them. Because of what he's experienced, Eduardo chooses to shut off everything that's related to humans, not knowing that not all humans are the same. 

In real life:
Professionally speaking, this is true whenever the concept of life insurance comes into discussion. Some of my clients believe that the pre-need companies that closed in the past are the same with insurance companies, when in fact, that's not the case at all. They're significantly different! 

Before you completely close your mind about something, why don't you try and spend some time to understand it first? Don't let fear and bias get in the way of knowledge. You might be missing out on something good in your life. 

2. Changing yourself to please others will only hurt you. 

The movie: 
Blu felt out of place in his wife's family's tribe, so, in order to fit in, he decided to change himself. It...didn't work out. He bathed in mud, played with crocodiles and started a bird war.

In real life: 
If the face that you expose to others is always a mask, then what's the point of living? Why are you so concerned about what other people think of you? 

Don't spend time, effort and money into being who others want you to be. Whoever you are, whatever you do, wherever you go, people will always judge you. No one is perfect! 

rio 2
Rio 2 is full of quirky new (and old!) characters!
3. Jealousy (or envy) will always manage to bring out the worst in you. 

The movie:
Blu is jealous of Roberto, Jewel's childhood friend (and ex-boybird?). This led to him being insecure, irrational and irritable. 

In real life: 
In today's world where everyone seems to be competing with someone, being jealous/envious can come naturally to us. 

That rich neighbor who was born into a wealthy family, that drop-dead gorgeous office mate who always smirks at you, and that super successful relative who always posts his achievements on Facebook: you know someone like these, right? 

Being jealous/envious can do nothing good for you! Instead of controlling how others fare in life, why don't you control yourself to focus on how the previous you fared in life, compared to the present you? 

Comparison is a thief of joy. The only one you should strive to beat is the past you. 

4. Accomplishing something just to prove a point won't make you a better person. 

The movie:
Nigel, the hilariously diva bird, is out to seek revenge. Things didn't go the way he planned them to be. 

In real life: 
Are you stuck in your job because you want to prove people wrong? 

Are you away from the people you love because you want to prove to them that you can do something without their help? 

Are you pursuing something that you're not passionate about just because you want to prove that you're capable of achieving it? 

Stop. 

You don't need to prove anything to anyone. You're not entitled to anyone, and no one is entitled to you. 

You don't need anyone's approval for you to go on with your life. Approval comes from within. 

5. Never let anyone tell you who you are.

The movie: 
Gabi, a seemingly poisonous frog, got the shock of her life when she found out that she's not really poisonous. She only believed her parents telling her that she was - she didn't even make an effort to find out for herself. 

In real life: 

When someone tells you that you can't do something or that you can't be someone, will you just stop and let them dictate your life? 

Don't lose hope just yet.

Never let someone create your dreams for you. You're here to find out what that reason is. 

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Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

And we can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works.

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) Thank you, wonderful people!

Live wisely,








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Sunday, April 06, 2014

RAWlicious Green Smoothies: A Raving Review on RAW

Since The WiseLiving has been particularly involved with investing in wealth for a while now, it’s been decided for us to stir things up a bit and focus on investing in health now.

It all makes sense, if you think about it: people say that health is wealth. And let’s face it, what good is your rich wealth if you have poor health? You won’t be able to enjoy all the hard work you've made into saving, budgeting and investing!

With that said, we present to your RAWlicious Green Smoothies, an entrepreneurial venture by Angela Lichauco who is dedicated into providing fresh, natural and healthy concoctions made from organic greens, herbs, vegetables and fruits.

Now, unlike those “natural” drinks you see marketed all over the Philippines, RAWlicious products are different. In fact, they’re so natural that they’re blended and delivered at the same day! You have within 2-3 days to consume the drinks, so be sure to include them in your daily meal plan.

RAWlicious Green Smoothies
RAWlicious Green Smoothies come in cute bottles. Return it to them to receive discounts! 
We've been privileged to receive sample products from RAWlicious last April 03. They have a lot of flavours to choose from, but for quality control, they offer only 5 flavours periodically. We got the following:



  •  Hella Green (pure coconut water, mango, banana and organic greens)
  • Green Kiss Xavier (fresh pineapple, banana, organic greens and organic celery)
  • Seriously Green Federico (banana, organic cucumber, organic tomato, organic celery, organic greens, raw unprocessed wild honey and calamansi
  • Green Junkie  Jimena (fresh watermelon, organic cucumber, organic greens, pineapple and banana)
  • Green God Sebby (pure coconut water, peeled apples, organic greens, organic ginger and banana) 

Since Angela mentioned about RAWlicious products’ freshness, we decided to drink all four products at the same day, April 04. For breakfast, I drank Kiss on an empty stomach. There was excitement because it’s known that consuming organic fruits and veggies can lead to better digestion, more manageable weight, healthier skin and a more energized body.

All the smoothies look and taste green, and that’s a good thing! This means that your body is really going to experience the products’ benefits.

For merienda, I drank Sebby and my mother drank Federico (which is also my Tatang’s name.) I loved the fact that they’re not sickeningly sweet. Just pure, unadulterated health goodness is what I tasted – I made sure to chew the smoothie slowly, as instructed.

Don’t chug it down. It’s not a sports drink! :)

RAWlicious Green Smoothies


For dinner, I drank Hella Green. Hands down, this is my favorite one. It’s not too sweet and not too bitter, so for future reference, I’d make sure to order this one.

Papa, Mama and LJ drank Jimena after eating dinner. They shared the 500 ml drink, so it was pretty manageable. LJ reported feeling an energy boost, so good for him.

Personally, I’d love to get more RAWlicious products. What I loved about them was the fact that they were able to minimize the pain that I feel when I experienced dysmenorrhea! Usually, I’d need to ingest a lot of medicine because I have low pain tolerance, but surprisingly, when my "monthly visitor" arrived, I didn't need to drink pain relievers anymore. 

I guess nature being the best medicine is really true. 

Don't just take my word for it, though. Try the benefits yourself. 

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RAWlicious Green Smoothies
For details on orders and delivery: http://rawliciouswellness.com/?page_id=20

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Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

And we can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works.

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) Thank you, wonderful people!

Live wisely,








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Monday, March 24, 2014

7 Signs That Your Multi-Level Marketing Business Is Really A Pyramid Scheme

Are you sure that your multi-level marketing business isn't a pyramid scheme? 

Imagine this: It's a lazy Saturday afternoon and you're relaxing yourself. Instead of reading a nice book, you decide to log in at your Facebook account and catch up with your long-lost friends. 

As you're browsing your news feed, you see some of your friends posting pictures of thousands of pesos and pictures of brand new cars and brand new houses. 

7 Signs That Your Multi-Level Marketing Business Is Really A Pyramid Scheme
Pyramid scheme or multi-level marketing? 

You notice that all these posts contain this tagline: 

"Thanks, (company name)! Friends, join this company too so you can earn lots of money like me! Send me a direct message now!" 

Sometimes, the message can also be something like:

"My gosh, it's so easy to earn money! Jejejeje. Look, I just bought this car today because of what I've earned at (company name)! Message me, hurry!" 

Now, while I find these messages funny, because they're obviously fake, the number of people who get tempted into joining these "multi-level marketing businesses" is not a laughing matter. 


What is a "multi-level marketing" business?

In "multi-level marketing", you're supposed to recruit people to be a distributor of the company's products or services. These people you recruit and the people that your recruits recruited will all be a part of your "down-line."

You get paid when the people in your down-line sell the company's products/services to others. 

Simple, right? 

Yes. In fact, it's so simple that a lot of Filipinos sign up immediately after hearing all about it.

However, did you know that a lot of multi-level marketing companies are actually just pyramid schemes in disguise? Pyramid schemes are illegal. 

What is a pyramid scheme? 

Now, multi-level marketing by itself is not illegal. What makes it illegal is if income primarily comes from bringing in new recruits, not from selling products/services. 

In pyramid schemes, money from new members is used to give income to old members. 

This is why these companies tell you to recruit, not really to sell. If you don't recruit, no new member will join, so, no income will be given to old members. 


What are the seven signs of a pyramid scheme? 

1. No product/service or the product/service is inappropriately priced. 

If there is no genuine product or authentic service that you're supposed to sell, then it's a warning sign already. 

How are you supposed to earn income if there is nothing to sell, diba? Through recruits? Then it's a pyramid scheme. 

If there is a product or service, but it's inappropriately priced, then consider it as a warning sign, too. For example, if a product is actually worth P2,000 in the current market, and they're selling it for P12,000, you might want to think twice.

Most likely, a small part will be used to cover the expenses, while the larger part will be used to give income to the old members. 

7 Signs That Your Multi-Level Marketing Business Is Really A Pyramid Scheme


2. They tell you that you can earn "easy money" just by staying at home, recruiting other people (mostly through the Internet) and giving testimonials. 

Of course they'll tell you it's easy money - they want you to join right away! 

There's no such thing as easy money. If it sounds too good to be true, it's probably a scam. 

3. They tell you that you can "get rich quick". 

Some would say that your low-risk investment would immediately double in such a short span of time. 

Remember that in investing, there's a risk-return trade-off. 

The lower the risk, the lower the potential of return. 

The higher the risk, the higher the potential of return. Invest for long-term so the risk is managed. 

If the multi-level marketing is saying that they're a low-risk and high-return and short-term "investment", then it's most definitely pyramid scheme! 

4. You're supposed to pay a fee for joining. 

Multi-level marketing is there because its members sell products. 

If you're required to buy-in or pay before selling something, it's best to think twice, do more research and never sign anything yet. 

5. There is no substantial proof of revenue from sales. 

Since you'll be joining a company, you're sure to be curious about their revenue, right? 

Try asking the company for CPA-audited financial statements about their revenue. Multi-level marketing companies are supposed to earn income from selling, not from recruiting. 

6. They focus on recruiting, not selling. 

The company's training programs are all about recruiting new members to join. It should be about selling products. 

You get more income from your commission from recruiting. You're supposed to get more income from selling! 

7. You don't really understand how you'll be compensated. 

When you're into sales, you can easily compute how much you'll earn based on how many products you'll sell. 

Calculating your commission is supposed to be simple, straightforward and sensible. 

If you're given a complicated compensation structure, and you can't really determine your income because it's based on recruiting, consider it a warning sign. 

Friends, you worked hard for your money. 

Why should you invest in something that you don't understand? 

You're not dumb: 

"If you don't understand, don't shake his hand!" 

Meaning, if you don't know how it works, don't enter a deal yet. 

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Invest in Knowledge: ICON 2014 
"Investment Conference Advocates Training Up Pinoys to Invest" 
Before investing any money on companies, why don't you try investing money on yourself first? 


Listen to experienced finance and business professionals speak by attending the Investment Conference (iCON) 2014 on May 17, from 8:30 am-5:30 pm! 
Win two (2) free tickets for yourself and for your friend! Simply leave a comment below related to this blog post. Include your full name, email address and cellphone number as well! :) 
ICON 2014 is co-presented by the Bank of Philippine Islands and Sun Life Financial Philippines, in partnership with the Registered Financial Planners (RFP) and Stock Smarts. For more information and updates about the event, visit www.brandspeakasia.com/icon or contact the Conference Secretariat through Deniece Pineda at 750.6510 or 501.5090.
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Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

And we can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works.

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) Thank you, wonderful people!

Live wisely,








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