Best Time To Prepare for Retirement


Last Updated on by Raymund Camat

What’s P50,000 to you?

P50,000 could be a brand new laptop or smartphone because you want to replace the one you just bought a year ago.

P4,167 could be your shoe, bag, wallet, purse that you buy every month to add up to your collection.

P962 could be clothes, tshirt, blouse or cap that you buy every week for your OOTDs. (Outfit of the day)

P137 could be a latte, frappe, milk tea or bottles of beer that you drink everyday.


95% are financially failing because they failed to plan early. You will work for almost entire life so do something now to reward yourself when you retire. The goal is to be rich and not to look rich. Don’t go broke trying to look rich!

A VUL Life Insurance allows your money to work for you while having a peace of mind that your loved ones are protected should anything happen to you.

Friends, your P137 now can be your Million someday.. Educate yourself or allow your advisor to educate you! Save your money now because it will save you tomorrow!

(Credit to: Rino Miranda)

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Raymund F. Camat, CIS, REB, CWP®, CEPP® is a SEC-Certified Investment Solicitor (CIS), Certified Wealth Planner and Certified Estate Planner, Phils. He is also a licensed insurance and mutual fund advisor for Sun Life Financial. He wants to educate the Filipino public on the importance of financial planning, investment planning, wealth planning and estate planning. He offers Personal and Family Wealth Planning to Filipinos from different generations. He has a bachelor's degree from the University of the Philippines. You can reach him at 09179698062 (Globe/TM/ABS-CBN/Viber), 09392787408 (Smart/TalkNText/Sun Cellular), (02) 508-9025 (Landline) or email him at For OFWs, he also conduct online video consultation through Skype, Viber or FB Video Call. ________________________________________ DISCLAIMER: This website reflects only the views and opinions of Raymund F. Camat and is not part of any official communication tools of any life insurance and investment company. The views and opinions on this website do not necessarily reflect those of the company, the management, the advisors/agents and the employees of any life insurance or investment company.
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