Getting Financial advice from Independent advisers

In the Philippines, it is hard to get financial advice especially the low financial literacy of the Filipinos comparing to other neighboring countries such as Singapore.
 In this regard, some individuals take advantage of this scenario which affects their future, affecting the quality of the life or even destroy their portfolio.

People working for institutions such as Insurance or banks' claims they care for their clients, however you have to ask yourself. Can you tell the client 100% disadvantage of your product? Or can you tell the client they don't need it? Or even give advice without buying the product? The main objective is to sell the product to you. It's hard to accept but it is a fact.

1. Knowing the complete Truth.
 Independent Financial advisers tell the truth including the disadvantage of the product or investment. They give you alternative in reaching goal.

2. Have a vast knowledge in all your investments.
 Real Independent Financial advisers have a vast and wide knowledge in different investment you have. From equities to your business, they make sure everything is aligned to your goals and objectives in life.

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* Know SJF Business Management
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* Understand your goals in life

3. They give you advice without getting a commission when you buy or invest.
 Real Independent Financial advisers give you advice even though you don't buy any product. Conditions such as "free financial plan" or "we will teach you how to reach your goals" when you buy their product are top signs they are brokers selling you a product. Real Independent Financial advisers double check your current status before acquiring an investment. They don't look for your portfolio on how they can put the product in your product.

4. They put your interest first.
 Real independent Financial advisers search for ways how you can reach your goals and look what is best for you. They look for alternatives that is comfortable for the client and offers different alternatives such as opening business ventures, real estates or even  investment abroad.

Before, only high net worth individuals  can afford Independent Financial Advisers . Some individuals even travel abroad to acquire independent and real financial advice from independent firms.
Now, new groups such as San Jose Financial Wealth Management Group which offers unbiased financial advice and planning on how you can achieve your goals in life, aligning your goals and objectives with your overall financial status. From your investments to your debts, SJF helps you plan your goals in life and find alternative on how you can achieve our dreams in life. A group of professional people helping you reach your goals in life.

Talk to your SJF Wealth Manager for a FREE 1 HOUR Consultation and see the difference.
Helpdesk (+632 798.8111)

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Searching for the Question of the Week #asksjf. Be featured in SJF BLOG and SJF Website

By: SJF Team

SJF San Jose Financial Wealth Management Group is now searching for individuals to be featured in SJF Question of the week (#askSJF).

Related Topics:
9 tips to increase your income
ABSCBN Hunk supports SJF

Requirements:
1. Leave a question on our blog page or
Facebook or twitter
2. Retweet this post on Twitter and Facebook.
3. Like us on Facebook and submit a headshot picture of you.

Related Topic : What is Investment Management?

 Be featured on the SJF Blog  and be seen by thousands of SJF readers in the Philippines and around the world.

You may also submit your question at info@sanjosefinancials.com or on twitter #askSJF

WIN a SPECIAL PRIZE from SJF and be featured along with Models and Celebrity. JOIN NOW!

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* Free Wealth Management Seminar
* How to Reduce your Debt
* Beware of Forex Scams
* How invest properly
* What is Wealth Management

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Proper way to Invest

By: FPT 

From FPT Website

Investments offers a dangerous draw: enormous rewards with the possibility of awful losses. Investors are in love with the idea of amassing wealth, however, no one likes to lose their money. The key here is to learn how to invest your money with minimal risks. It’s impossible to predict the daily fluctuations of our market, but as you begin to invest you’ll soon learn to withstand the losses and bounce back with the next market swell.



Related Topic: 6 Reasons why you need Wealth Management

The market cannot be controlled, but with practice you will learn how to invest wisely when buying stocks, bonds, options, ETFs (i.e a silver ETF and biotech ETF), trading forex or even mutual funds. It’s important to familiarize yourself with the products of the business you’re investing in before you take the plunge. Also, remember that market high isn’t everlasting. It’s wise to invest into a powerful stock with a long lasting record than a recent trend that’s in the first year of its infancy. These usually don’t last.

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Equally as important to the product is your thinking behind the decision to invest in it. A very important step in locating good stocks to invest in is to know the company of the stock very well- so you’ll be one step ahead of the game and already know the direction of your next move. For example, if you’re investing only for profit you’ll know to drop out once the prices fall instead of worrying about whether to hang in there until the next market high.

Related Topic: Philippine Stocks erased all earnings for the year 2013 .

Investing is all about the timing – by this I mean the timing of your moves in relation to the market highs and market lows. You must know when it’s time to cut your losses. It’s equally important to know when to take the profits and run. Many people believe running a profit when the market is up to be the correct course of action. However, many others are afraid the market will soon fall. When the market dips you should cut your losses. Back out quickly before the situation gets worse.

Related Links: Register for free Wealth seminar

Never ever invest in things you cannot afford and never invest without a sound reasoning. Yes the market highs are incredibly rewarding, but the market low is also part of the journey. Much of investing is run by guy instinct, but you shouldn’t and cannot afford to make reckless choices.  Mutual funds are always a great place to start – and finding a no load mutual fund, without any fees is on the safe side when it comes to investing in the stock market.

A popular investment these days are ETFs like the energy ETF (energy-sector exchange traded funds), silver ETF, financial ETF, natural gas ETF and more.  If you aren’t sure about a specific company, but want to get into the sector it is in, ETFs may just be for you.

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* What is Investment Management
* Future of Investments and Investment Management in the Philippines
* Beware of Forex Scam in the Philippines

The ideal thing is to study the market. Don’t throw yourself into the deep end without first studying the product record. There are many good books available. If you get a chance check out “The Real Life Investing Guide” or “The Only Investment Guide You Will Ever Need”. Know what you’re up to before you ever set foot on the path of the investor.

When the time comes to make an informed decision you’ll gain plenty of benefits from the world market. Business very unpredictable indeed, but when the market is up the reward are worth far more than the gamble.

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The Secret Keys to your Financial Success

by:Deborah Fowles, former About.com Guide

Keys to Financial Success

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially.

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* Knowing your goals in Life
* Attending Free Wealth Seminars

1. Get Paid What You're Worth and Spend Less Than You Earn

It sounds simplistic, but many people struggle with this first basic rule.

Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.

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* Investing                                   Wealth Management
* Retirement Planning                  Knowing more about SJF

2. Stick to a Budget

One of my favorite subjects: budgeting. It's not a four-letter word. How can you know where your money is going if you don't budget? How can you set spending and saving goals if you don't know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.

Related Resources:

*Investment Planning in the Philippines
*9 things you can do to increase your income

3. Pay Off Credit Card Debt

Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don't, and end up paying far more for things than we would have paid if we had used cash.

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*Knowing SJF Assistance
*Planning Your Life

4. Contribute to a Retirement Plan

If your employer has a 401(k) plan and you don't contribute to it, you're walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you're already contributing, try to increase your contribution. If your employer doesn't offer a retirement plan, consider an IRA.

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* Retirement Planning                        * Philippines Named Top Retirement Haven
* Wealth Management                       * Be warned Against Forex

5. Have a Savings Plan

You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments. Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

Related Topic:                                                 Related Blogs:

*Risking your life with a broker                        * Tips on how to save
*Understanding Wealth Management   

6. Invest!

If you're contributing to a retirement plan and a savings account and you can still manage to put some money into other investments, all the better.

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* Wealth Manager Strategy                               * How to invest in the stock market
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7. Maximize Your Employment Benefits

Employment benefits like a 401(k) plan, flexible spending accounts, medical and dental insurance, etc., are worth big bucks. Make sure you're maximizing yours and taking advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses.

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* Attending SJF Seminar

8. Review Your Insurance Coverages

Too many people are talked into paying too much for life and disability insurance, whether it's by adding these coverages to car loans, buying whole-life insurance policies when term-life makes more sense, or buying life insurance when you have no dependents. On the other hand, it's important that you have enough insurance to protect your dependents and your income in the case of death or disability.

Related topic: 

*Complete Wealth Management System

9. Update Your Will

70% of Americans don't have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated you can even do your own with software like WillMaker from Nolo Press. Protect your loved ones. Write a will.

Related topic:                          Related Blogs

* Estate Planning                     * Investment Management In the Philippines

10. Keep Good Records

If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It's much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.

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*Tax Planning

Reality Check

How are you doing on the top ten list? If you're not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle.

Suggested Reading:

*Wealth Management
*Investment Management
*6 reasons why you need a Wealth Manager

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9 Things to Increase Your Income – Today

 by:Written by Peter Roosen and Tatsuya Nakagawa from Atomica Creative.

 All rights reserved. Copyright to the author.

When is the best time to put yourself in a position to increase your income? Simple, the answer is today! Had you started this a few months back, you'd be well on your way. You didn't though so here we are.

Many of us are making the same money we did in 2007 and there are no bluebirds on the horizon. So, it's up to us to do something. 

If you are happy with your income level and not phased by the way everything has become more expensive in the last year, save time, stop reading, go take a nap. If however, you want to get a leg up and you are willing to do the work, read on - these will help you on your journey. 

Related blogs:

* Attending Free Wealth Seminar

So here are some things you can do to put yourself on a track headed for higher salaries, higher commissions, and higher rates. No one is going to do it for you, it's your ship to navigate.

1. Wake up early. Did you miss this one already? Don’t worry because we have 8 more things you can do to increase your income – today.


2. Practice and improve your speaking skills. Join a Toastmasters club if there is one in your area. If there isn't one, get a few like minded people together and start one.
   
   One of the most touted things people in business recommend to help others improve their income is to improve their communication and leadership skills. Being able to confidently stand up and speak in public is one of the most visible and recognized skills you can have at your disposal. Being able to present a compelling case to a customer prospect or to your boss as to why they should spend more on you or whatever you are selling likely won’t fly if you are a wallflower or turn to mush when called on to speak. You should instead stand and deliver your message in a clear and compelling manner.
        Related blogs: 9 things you can do to increase your income 
       

3. Sharpen your knife. Whatever your area of interest, become better equipped to perform analysis. Practice reviewing financial statements. Pay attention to the various aspects that experts in the field are looking at. Start with whatever your company or organization pays you. Whether you own it or not, learn to analyze it as an owner does. If you are in a technical area, practice analyzing the problems you are working on as though you were an expert or an owner with a vested interest in the outcome.


4. Ask. Ask for the order if you are selling something. Lift the telephone even if it seems to weigh 10, 000 pounds when it is time to ask a customer prospect for an appointment. When facing this person, ask for the order even if it is not highly likely you will get it and the odds are high that you will face rejection. Ask your boss for a raise if you are indeed as valuable as you think you are. Ask for candid feedback if you are not sure. Ask for a more generous severance package if you were wrong. People who tend to avoid asking difficult questions, generally do not fare as well as those who do ask such questions.


5. Focus. This is stressed so often in so many places by so many people that it has become cliché. But that doesn’t make it any less valuable. So, like so many others before us have said: focus, focus, focus.


6. Spend less. Spending money usually takes time and effort away from making money. It can substantially weaken your power base if you squander your financial resources and leave yourself dependent.


7. Increase your documentation habit. Writing or somehow tracking information in a permanent form dramatically decreases the need to remember stuff. It frees up tremendous mental capacity if we don’t need to rely on our memory for everything. In practice, those who document stuff well (from long term goals to short term stuff like contact information and item lists) tend to enjoy increased memory capacity.


8. Review meaningful stuff in a meaningful way. Find ways to immediately assess what you are doing so that you can determine what creates value. Then focus on it, and scrap the stuff that does not. Chances are that most of your value creation occurs in a relatively small amount of time. This works well with having good documentation habits.
          Related blogs: keys to Financial success


9. Take your best shot first. If you only had a day left to live and wanted to accomplish something meaningful, how would you approach the day? Don’t waste time fumbling around on unimportant or trivial tasks that won’t help you make an impact. Set the unimportant matters aside, focus on what matters and make the best move you can toward accomplishing what you need to accomplish to make your last day count.
   
   Use this same philosophy when it comes to increasing your income. If you have a good customer prospect or some opportunity to demonstrate a high value proposition to your boss or co-workers, don’t wait. Do it now. If it doesn’t work, you might still get another shot. And if it does, then you have just increased your income!

You might have noticed that some of these above things are slanted from a financial perspective. This is not by accident. There is a strong correlation between one’s income and his or her proximity to the financial aspects of the business or job. Owners, lawyers, accountants and top managers who tend to be involved with the financial aspects of life and business, tend to have much higher incomes than people who do not.

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* What is Wealth Management?                                      * Keys to Financial Success
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* Managing your investment                                              * 9 things you can do to increase your income

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Tips on how to save

To know more how you can manage your wealth,
CALL 78-99-0-99 (metro manila area) (+632 78.99.0.99) outside manila.

MSN Money.com

Modern technology helps us spend our money more easily, thanks to the instant gratification credit and EFTPOS systems facilitate. If you need to do the opposite: spend less or save, then some good old-fashioned money-saving tips might work for you.

I've trawled back to find some of the best tried and tested money management skills that should be revived. Granny managed money a hundred times better than any of her grandchildren by taking this approach:

Related blog: * Attend Free Wealth Seminar

Spend only cash

Yes. Try a week or even a month without your credit or EFTPOS cards. Pay everything in cash and know that you've not gone into debt at the end of the month. Or if you've got direct debits set up for your rent and utilities bills and don't want to cancel them, you may want to spend cash only for non-essentials.

Put your change in a jar or even a piggy bank

At the end of each day empty the coins out of your pocket or purse and drop them in your see-through jar or piggy bank. Or give something up, such as cigarettes, wine, or even buying magazines, and put the money you would have spent in your jar and watch how quickly your jar fills with coins and the folding stuff.

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Use envelope budgeting

In the old days people received their pay in cash. Good money managers would then split it into envelopes for things like rent, mortgage, groceries, public transport or car expenses, saving and so on. There's nothing stopping us withdrawing our cash as suggested in tip number one, and splitting it into envelopes. Once each envelope is empty you know that you've spent all you can on that category and that any more expenses will have to wait until next pay. Make sure one of your envelopes has the following word on it: savings.

Go back to basics with your shopping

You don't need Mr Muscle or that fancy shower cleaner. There's no cleaning job that can't be done with baking soda, vinegar, methylated spirits, washing soda, or a combination of the above. Likewise, bypass any processed food in the supermarket. Our grandparents ate meat, vegetables, potatoes and bread back in the 1950s and were mostly healthier for it. Allow yourself just one luxury a week such as: ground coffee, muesli bars, Coca-Cola or juice, individually wrapped anything, boutique breads and so on. Not all of them.

Do your banking in person

If you've overspent it's all too easy to go online and move money from one account to another. If you have to go to the bank to do it, you might think twice.

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Budget

Oh yes. Find out how much you're over spending by and work out how much that works out per day. If you're over spending $2000(P100,000) a year that's $5.48(Approx P250) a day. There would be very few people that couldn't cut that out of their spending if they were honest with themselves. Then make a decision that will increase your income and you'll soon be saving not heading for financial Armageddon.

Be sustainable

Granny reduced, reused, and recycled without even thinking of her environmental impact. She made things last longer — even things that we consider to be disposable such as zip-lock bags. She even darned socks to give them another year's life out of them.

If you have no discipline you need radical changes to your approach to money management and granny's tried and tested ways might be the answer. There is no magic formula. You need to reach into yourself to make those changes.

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6 Reasons You Need a Wealth Management Plan

By ROGER WOHLNER,CFP

As a child my family went on a number of driving vacations. Before leaving, my parents generally contacted AAA and obtained a step-by-step series of maps of our planned route. Typically, each page depicted the route between two major cities: the route from Indianapolis to Louisville, followed by Louisville to Nashville, and so on.

Reaching your financial goals is like a trip. While there are many reasons you need a financial plan, here are six to get you started:

Related Blog: Attending Free Wealth Seminar

If you don't know the destination, how will you know when you've arrived? A financial goal is something that has a time frame and that can be quantified. An aspiration such as a "comfortable retirement" is hard to plan for. The financial planning process will help you define and quantify your goals.

[Related Topic: Keys to financial success.]

Determining a proper investment allocation is critical. An outgrowth of your financial plan should be a plan for the allocation of your investment assets across all of your accounts. The allocation should reflect the goals you are trying to attain as well as your tolerance for investment risk.

Are you saving enough? Whether you want to fund your children's college education, save for retirement, or buy a new house, most financial goals mean periodic savings. The financial planning process will help you identify how much you will need to save periodically—and in total—for each of your goals.

What will happen to your assets upon your death? Most of us have someone to whom we would like to pass on whatever wealth we have accumulated during our lifetime. Estate planning is a central part of
the financial planning process. Do you need a will or a trust? Are your beneficiary designations on retirement accounts and insurance policies up-to-date? What would happen to your assets if you died today? Is this what you intended?

[See What is Investment  and Asset Management]

Are you properly insured? Do you have enough life insurance, and do you have the right kind of policy for your situation? Do you have disability and long-term care insurance? Do you need this coverage? A financial plan addresses all of these issues.

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Are you fully using all of the benefits available to you through your employer? This question addresses issues from health insurance all the way to your retirement plan to any types of stock options or company stock benefit you may have access to. Benefits generally range from 30 percent to 40 percent or more of your cash compensation, so understanding what is available to you and how to best use these benefits is crucial.

These six reasons barely scratch the surface of why you need Wealth Management. In general, the financial planning process can help you take a thorough look at all aspects of your financial life and organize them in the most efficient fashion for your situation.

Related topics: What is Wealth Management?

Finally, do you need to hire a Licensed Wealth Manager to do all this? My answer is yes, but I am severely biased. What a good financial planner will do for you that you cannot do yourself is to take an objective, unemotional look at your situation. He will then apply his expertise, training, and experience to your unique financial needs. One last (biased) suggestion: Always hire a fee-only financial advisor, someone who does not earn a commission based on selling you a financial product. This eliminates a huge potential conflict of interest.

Remember: Planning your Wealth and your future is not a one-time event, but rather an ongoing process. The plan is a base from which to make financial decisions, but the plan can and should change over time based upon changes in your personal circumstances.

What are some other benefits of Wealth Management Financial Plan? We'd love to get your thoughts—feel free to leave a comment below.

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From:http://money.usnews.com/
Visit: http://www.sanjosefinancials.com

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EASY WAY TO GET RICH

by: SJF Team

The new campaign ,"upgrade your life" gained tons of question in the Philippines.
For the past few months since our launch of our new look, we experienced bombardment of questions online and offline. Now, we decided to post the top questions we often receive.

1.What is SJF  Wealth Management?

   

      Wealth Management is a financial service concept that emerged as a specific offering during the 1990’s.Generally, firms that offer such a package provide a wide range of financial services to their clients that will include such basic elements as estate planning, asset management, and even private banking options.

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      SJF Wealth Management System is an investment-advisory discipline incorporates financial planning, investment portfolio management and a number of aggregated financial services. High-net-worth individuals (HNWIs), small-business owners and families who desire the assistance of a credentialed financial advisory specialist call upon SJF Wealth Managers to coordinate retail banking, estate planning, legal resources, tax professionals and investment management. SJF Wealth managers can have backgrounds as independent Registered Financial Planner RFP and MBA's in Finance, or any credentialed professional money managers who work to enhance the income, growth and tax-favoured treatment of long-term investors. SJF Wealth management is often referred as a high-level  for the especially affluent.

Related links:                                                   Related Blogs:

  * Benefits of SJF Wealth Management         * 6 reasons why you need a wealth manager
  * Wealth Management Products                   * tips on how you can save
  * What Is Investment Management?            * Forex Scams in the Philippines

 •Helps you avoid making costly financial mistakes

 SJF Risk management program protects you from wrong investments and minimize your mistakes.

• Can help you pay less in taxes

  We help you strategize on how to save paying too much from taxes legally and efficiently via our SJF Tax Planning Program.

• Makes the difference between your Financial Success and Failure.

  Client’s see the whole picture and understand if their strategies will help them grow further or will result in high risk.

• Pays for themselves many time what they contribute to your life.

  SJF Wealth Management contributes to our client’s lives are huge. Saving millions and maximizing your investments ,creating more wealth to our clients.

• Helps you focus on the rest of your life and make it more enjoyable.

 SJF Wealth Management handles all your Financial Problems, investments and other personal requirement which helps you enjoy your life worry free.

2. What is SJF Wealth Management?

SJF Wealth Management  is a process which a SJF Wealth Financial Planner evaluates a client's current future financial state and balances futures clients risk by adding variables which asses the future asset values and liabilities.

Related Events:

*Attending Free Wealth Seminar
*Register for free Wealth Management

3. What is SJF Investment Management?

SJF Investment Management is a service which a client explains to the financial planner regarding his or her goals. They asses the clients growth and may recommend investing in financial materials which the client may consider.

Related blogs:

* Benefits of investment
* Investment Management services

 

4. Do I really need SJF Wealth Management?

SJF Wealth managers do more than pick stocks. They can help you plan your total financial life.

SJF Wealth Management helps you identify what really benefits the client and develop financial strategies to compliment your financial goals. SJF Wealth Management has vast investment vehicles which will help you build and protect your hard earn money .

Related blogs 

* Benefits of SJF Wealth Management
* The future of Wealth Management

5. I already have enough Income, do I still need a SJF Wealth Manager?

 Yes. People who engage in Wealth Management regardless of their net worth experience  a significantly greater senses of emotional and financial well being. Almost all  respondents who engage in comprehensive wealth management  system feel they are prepared to manage during economic times compare who  do not engaged in wealth management.

6. Is it better to get a Financial advice from advocates and brokers?

 No. Broker’s objective is to sell the product to you. Even though there are some brokers who tries to help the client, the main objective of the broker will still sell you the product.

  Some advocates lack the proper training and knowledge in line with investments and wealth management. Even though they have knowledge in a specific sector, this is dangerous  in general which affects the total future well being of an individual.

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* Risking your life planning with brokers and advocates

7. I want to increase my earnings, do i need to increase my investments?

 No. There are factors  that we need to consider before we invest. Investments involves risk. We have to study the whole portfolio and client’s current performance before we start investing in different investment vehicles.

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8. I am interested with your service. How do I sign up?

 Click “Contact us” above. You may set up a meeting via phone, skype or visit our office.

9. I’m a Foreigner who stays in Manila, How do I sign up?

Click “Contact us” above. You may set up a meeting via phone, skype or visit our office.

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* Top 10 starting up tips

10. Is there a service that focuses mostly in investment?

Prime Service Group handles our Investment Planning. Talk to our SJF Wealth Financial Planner to know more about PSG

SFJ Wealth Management helps you grow faster and makes your life simple, happy and relaxed. Call SJF Hotline at 78-99099 for more details or visit our official website at www.sanjosefinancials.com 

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Question of the week March 21,2013 SJF Wealth Management

Question : How can I make most out of my savings? Is it risky to invest?

SJF Wealth Management Answers:
 This is a typical presumption of our clients. There are techniques that we can magnify your savings depending on your risk appetite,criteria and even your current situation. Always remember, even though you are not invested, the value of your money decreases due to inflation.

 Sparing some portion of your money for savings is the right way for a secured future but we strongly recommend to invest especially when you're young. There are investments for everyone than an individual can choose and studied on. From Conservative to Aggressive investors, you just need to know which kind of investment fits your goal.

Some steps to follow:

1. Identify your budget allocation for saving per month and year.

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2. Agree on the allocation for your investment depending on your risk appetite.
   We strongly suggest to use banks auto debit to transfer your funds to specific accounts.

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3. Monitor your growth.
      If you don't have any experience in investing, we recommend to invest on Mutual funds and UITF that is exposed for your goal.

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"Is there a shortcut in life?"

There are lots of Filipino's who wants to take the faster and easier route. To make you life quicker and easier, SJF offers Investment Management which helps you design your own investment portfolio. SJF Prime Service Group is the Flagship of SJF Wealth Management  which focuses mostly in Investment and Investment strategy around the world. Now, you can create your own investment fund not only in the Philippines but all around the world.
We strongly recommend to check all other financial factors first and your performance
before you invest. Consult a professional or an SJF Wealth Manager before investing.
 Always remember, Wrong Financial and Investment planning can destroy your life and future. Always ask professional before you start investing.

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To know more about SJF , visit www.sanjosefinancials.com
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