How to Have 1 Million Pesos through Investing (With Visuals!)

Inflation is a bad thing. Basically, this means that what your P 100 can buy then will be less than what you can buy with your P 100 today. It is the reason why putting your long-term savings in a bank is not a good idea. Banks are good for only our emergency funds. 

Let me give you some figures: 


The inflation rate of the Philippines is 2.7% for February 2012.  (Trading Economics, 2012) And how about the time deposit rates?

Usually, they’re between 1.750% - 2.50%!

This means that your money which is stuck in the bank is actually losing its value over time. Your money earns a measly 2.5% at most while it loses 2.7% - can that be considered as negative income?

The only way to combat inflation and actually earn money? 


This can be done through investing.

Investments are available for people of all walks of life now. Gone are the days when investing is only for the rich. Now, we can all invest with the initial amount of either P5, 000 to P10, 000! 

We as young professionals owe it to our older selves to invest.  Trust me. I have met a lot of people who wanted to go back in time to tell their younger counterparts to save money for investing. 

You should remember that the best way to prepare yourself with investing is through self-insight. Investing goals are subjective since we have different situations. 

Simply speaking, know your what your investing goals are. 

Short-term goals: (1-3 years): You will need the money in a few years’ time so you need to invest in something where the possibility of losing money is very small. Examples: Time deposits or Retail Treasury Bonds.

Medium-term goals: (3-7 years): This is where there is a chance that you will lose some money although there is also a chance wherein your investments will yield a substantial profit. Examples are balanced mutual funds and bond mutual funds.

Long-term goals: (7 years and beyond): This is where there is a chance that you will lose a portion of your money within a short period of time. An example would be losing 10-30% in a span of two months. This is also where there is a chance that you will earn huge profits, provided that you keep the money in for the long term. Examples are equity mutual funds, the stock market and businesses.

Tips to Keep in Mind:

  1. Invest NOW, my friend. Compound interest working for you for a very long time is your best friend. Later you will see that when you start investing early, you will be able to get a huge amount of money just by investing a little amount. When you put off investing by a few years, you might need to invest a larger amount to catch up.

  1. Diversify your investments. Don’t just bid everything on one company. This is because if one company folds, then you will be sure that the other company’s got your back. 

  1. Make investing your habit. Treat is as one of your bills. Pay it monthly. Make your money work for you. Invest consistently and regularly so that you will make it as your habit as time goes by.
Do you want a visually-appealing and objective motivation? 

Let’s say you invest in a mutual fund company with an average annual return of 9%? 

Age Now
To have 1 Million Pesos at a specific age, you need to SAVE & INVEST the following amounts monthly (9% Annual Return)
Age 30
Age 35
Age 40
Age 45
21
PHP 6,042.91
PHP 2,989.38
PHP 1,668.97
PHP 986.64
22
PHP 7,150.20
PHP 3,396.81
PHP 1,864.45
PHP 1,092.68
23
PHP 8,589.08
PHP 3,880.31
PHP 2,088.04
PHP 1,211.74
24
PHP 10,525.54
PHP 4,460.80
PHP 2,345.16
PHP 1,345.81
25
PHP 13,258.36
PHP 5,167.58
PHP 2,642.67
PHP 1,497.26
26
PHP 17,385.04
PHP 6,042.91
PHP 2,989.38
PHP 1,668.97
27
PHP 24,299.73
PHP 7,150.20
PHP 3,396.81
PHP 1,864.45
28
PHP 38,184.74
PHP 8,589.08
PHP 3,880.31
PHP 2,088.04
29
PHP 79,951.48
PHP 10,525.54
PHP 4,460.80
PHP 2,345.16
30
PHP 13,258.36
PHP 5,167.58
PHP 2,642.67
31
PHP 17,385.04
PHP 6,042.91
PHP 2,989.38
32
PHP 24,299.73
PHP 7,150.20
PHP 3,396.81
33
PHP 38,184.74
PHP 8,589.08
PHP 3,880.31
34
PHP 79,951.48
PHP 10,525.54
PHP 4,460.80
35
PHP 13,258.36
PHP 5,167.58
36
PHP 17,385.04
PHP 6,042.91
37
PHP 24,299.73
PHP 7,150.20
38
PHP 38,184.74
PHP 8,589.08
39
PHP 79,951.48
PHP 10,525.54
40
PHP 13,258.36
41
PHP 17,385.04
42
PHP 24,299.73
43
PHP 38,184.74
44
PHP 79,951.48



Do you feel motivated to invest now?

Find out the shocking money facts that'll make you want to invest now!

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Want to: 
- get FREE life insurance proposal - to financially protect your family;  
- get FREE VUL proposal - to financially protect your family and invest to make your money work for you so you can reach your target goal; 
- open a mutual fund account - to make your money grow and increase in value over time? 

Let me help you. 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

We can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works. No obligation to do anything - except share what you learned with your friends! :)

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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