Signs you are ready to retire ( Philippines )

Written by: King San Jose Santos, RFP

Most Filipino’s have a short term mindset instead of preparing for a relaxing future, they tend to enjoy life in the short term while suffering in the end. An investment mindset and a long term vision is what lacking in the Philippines.

 We asked our clients in San Jose Financials website (www.sanjosefinancials.com) and asked them,  “ What is the best investment for you?”.  80% answered  they prefer to put it under time deposit.

 Related Topics:

•      Know more about SJF Business Management
•      SJF Business Solutions

Financial literacy is too low in the Philippines. The Majority of Filipino’s is intimidated when they talk about stocks, bonds or other investment materials that is available. So what are the factors for us to retire early?

If we talk about retiring, there are other factors you need to consider. Spiritually and mentally, a person should consider asking yourself if you are ready to have a life of no work.  You have to understand the when you decide to retire, every day is “ Sunday”.

 Related topics:

•     Know the requirements in Retirement
•     How SJF Wealth Managers can help you retire?

Being ready financially is easy to compute. We always do that in here with SJF computing the readiness of our clients in retirement and preparation of funds. However,  we should know the right perspective. It is not with the age but with the financial readiness and proper mindset is a sign when you are ready to retire.

What are the signs that you are ready for retirement?

1. Following a Plan

• Being retired involves discipline.  If you have a plan when you are playing games or sports, isn’t that logical to have one for your wealth as wealth ?

 ( visit www.sanjosefinancials or call for a free consultation 798.8111)

2. You are fully covered with your risk

• From your life for your health,  Your risk for you and your family is fully covered

3. Your children are financially independent

• Seeing your children grow and worry free is every parents dream.  You are ready to retire if you see your kids fully independent and well covered.

4. Almost no debt.

• You are ready to retire if you see your house, car and other loans fully paid.

5. Your investments can sustain your everyday

• You are definitely ready when you see that you can survive by just your investments.

Everyone has a different standard. A retirement plan for Mr. Guitirez can’t be fit for Mrs. Salvon. There is no amount that can tell you that you are ready for retirement.  Filipino’s often tend to look for the value of income as the basis, however the secret formula there is not only income but several financial factors.

 To know more about retirement planning, visit SJF website atwww.sanjosefinancials.com or call 798.8111.

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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.

Related Topics:

* Know SJF Business Management
* Benefits of Wealth Management
* 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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5 People You Should Never Get Investment Advice From

by MIRANDA MARQUIT on MARCH 13, 2013 of excessreturn
www.sanjosefinancials.com

These days, it seems as though almost everyone has an idea of how you can get ahead as an investor. However, no matter how good the investment advice sounds, you need to do a gut-check. Can you trust this person? And why is he or she sharing such a great tip with you?

While you can listen to the investment ideas put forth by just about anyone, it’s another thing to whole-heartedly trust someone else with your money. Before you take the plunge, carefully examine the situation and the fundamentals, and then reconsider. Here are 5 people you should be wary of when they are giving you investment advice:

1. Family ( Related Topic: What is the best investment for you? )

It’s tempting to get in on that “hot” tip that your brother-in-law is offering, or get in on the bottom floor on that “investment opportunity” Your cousin is involved with. Unfortunately, too often, your family members don’t really understand investing. Like many others, they are following the herd, and that “hot” stock may be in bubble mode.

Even worse is the possibility that your family member has been taken in by an investment scam. Going in can mean that you are caught in the trap, too. Before taking the advice of a family member, review his or her track record with finances, as well as remind yourself that your family member probably doesn’t have the know-how or credentials to be giving investing tips.

2. Strangers ( Related Topic: how to reduce debt? )

Why would a stranger go out of the way to give you great investment advice? In this category are those emails you receive about penny stocks and other “opportunities.” Also, be wary of taking advice from strangers you meet in social settings. He or she might be bragging about his or her investing prowess, but you don’t really have any proof that there is a real performance capability there.

3. Co-Workers ( Related Topic: Legal Forex Scams) 

Unless you work in the investment industry, and your co-workers are all analyzing the merits of a particular investment, your co-workers probably aren’t the best people to turn to for financial advice. Instead, your co-workers are likely just behind the curve, buying when everyone else is, and selling in panic when things go south.

On top of that, co-workers are often sources of investment scams. They get taken in by scams, and then ask you to participate. They may be in earnest about the “opportunity”, but that doesn’t make you feel better after you’ve both been duped.

4. Media Talking Heads ( Related Topic: How to reduce your debt? )

It may be fun to watch Jim Cramer’s antics, but it’s important not to take your advice from media talking heads. Financial media don’t exist to inform investors. The primary goal of the financial media is to make money; any education or useful information provided to investors is merely a side product.

One of the best ways to make money is to sensationalize things. Media talking heads try to draw you in by convincing you that something is practically full-proof, or by whipping up fear about the imminent disaster. Making investment decisions based on these extremes presented by the media can lead to big losses to your portfolio.

Take the news with a grain of salt. Instead, you are better off following your own investing plan designed for the long haul, and ignoring the noise from the TV screen.

5. Brokers and Other Wall Street Types 
( Related Topic: Risking your life with brokers and advocates)

Going to a stockbroker for advice seems like a slam dunk. After all, these folks know all about investing. Unfortunately, Wall Street types probably don’t have your best financial interests at heart. Brokers are, on a basic level, salespeople. This means that they are trying to get you to buy products that will earn them a better commission.

Whether it’s someone at your local bank, or a broker with an official firm, the reality is that these advice-givers only have to recommend something that is “suitable.” And suitably isn’t the same things as “best”.

If you want solid advice from a professional, consider using a Registered Investment Advisor (RIA) or a fee-based financial planner. The RIA has a fiduciary responsibility under the law to look to your interests ahead of the commission, and a good financial planner that isn’t paid by commissions can offer mostly unbiased advice. 

Here are a few tips to know more about independent 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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* 6 easy steps to get rich
* What is Wealth Management?
* Tips for your growth
* Free wealth seminars to know more about Investments
* ABSCBN Celebrities attending free Wealth Seminar
* How to Reduce your Debt?

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.

Related Links:

* 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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ABS-CBN's Fear Factor Jommy Teotico.A Celebrity with a Big Heart. A love for SJF's Advocacy 2013

By: SJF News Team
June 7,2013

In the past few months, Philippines is currently growing steadfast against her Asian neighbors but in a recent report from National Statistic office, Philippines recorded at 7.1% unemployment which is an increase of .1% from year 2011 even though the economy grew 7.3% & outperformed China.

Photo courtesy to COSMO.PH

In this regard,  a local Celebrity and ABS-CBN Fear Factor winner, Jommy Teotico decided to launch an advocacy campaign along with SJF Wealth & Investment Management Group. "WE KNOW THE TRUTH." A financial literacy campaign which helps individuals understand basic Financial concepts. "Understanding how you manage your wealth can definitely turn not only an individual future but the entire nation in the long run", said Jommy.

Related blog:

* Schedule of SJF Free Wealth Seminar
* Free Wealth Seminar with SJF
* Why do you need to get a Wealth Manager?

* Join SJF Free Wealth Seminar Now

We were able to set up an interview with Jommy.

Part 1 of the conversation:

SJF Team: " Good Morning Jommy! How are you today?"
Jommy Teotico: "It's a happy day! Spreading the love to everyone!"
SJF Team: " That is so nice of you looking positive in life Jom. So, how are you in your showbiz career?"
Jommy Teotico: " I'm doing good. Kakatapos ko lang ng Soap with ABSCBN and now I'm preparing for new projects and busy with my advocacy in helping people."
SJF Team: "You are doing Advocacy lately? what kind of advocacy?"
Jommy Teotico: " I want to help people. I just launched my own advocacy and supporting SJF Know the truth campaign.                                  

Photo courtesy of #wearemproud

SJF Team: You are currently supporting SJF in their advocacy in Wealth Management?
Jommy T: Yes. I'm currently supporting "know the truth campaign of SJF"
 SJF Team: " what is Know the truth?"
Jommy Teotico: My friend King San Jose told me regarding SJF's advocacy in helping people understand their financial health and proper management. Nagulat ako eto pala ang kulang para sa tamang pagunlad ng tao. Most often, if we talk to agents and often sell us their product or create a plan to input their product. DI TAMA YUN. Kailangan natin ng doctor bago kumuha ng gamot kumbaga. Ang problema, walang doctor. Halos lahat ng tatanungan ko bebentahan ako ng insurance, fund or kahit anong produkto nila. Buti dumating na ang SJF sa Pinas."
SJFTEAM: Why do we need to join SJF Free wealth seminar?
Jommy T: Marami kayo malaman in the event. You will understand information about investments, financial products, strategies and also the advantage of wealth management and SJF Wealth Managers. All about the truth in your finances at di lang yung pati INVESTMENTS!

Related Topics:                                     Related Blogs

* Free Wealth Seminar                         * Risking your life with agents
* Future of Wealth Management           * What is investment Management
* Secret to Financial Success                * Top 10 starting up tips
* Official SJF Website                          * Official SJF International website.

SJF Team: " When did you see there is a problem in the Philippines?"

Photo courtesy of J. Teotico FB

Jommy Teotico : "When I saw people doesn't care but profit in expense of people's future.Nalaman ko na di tama ang paghawak ng pera at tamang pag invest sa mga pilipino. When I keep seeing good economic reports pero marami parin nahihirapan sa buhay dahil merong mali. I believe there is something we can do to help and improve the system. Kaya I decided to support SJF and their advocacy to help people."
SJF Team: " What made you decide supporting  SJF "Tell the truth"  ?"
Jommy Teotico: " Nakita ko yung isang malaking mission nila na tulungan mga tao not only at present for for the future. I learned that proper wealth&investment management makes a big difference in changing lives of a generation. Akala ko kasi dati pang VIP at mayaman lang ang serbisyo.. yun pala, ngayon kahit sino kaya na pwede na! salamat sa SJF.

SJF Team: "Do you have any suggestions in Wealth and Investment in the Philippines?"
Jommy Teotico: " Attend SJF Free Wealth seminar. This is one of the basic things you have to do in your life. Bago ka gumalaw, bumili ng kahit anong Financial instrument, you have to attend at least once in your life. Di ko masyado alam ang finance at investments pero buti na lang meron naman katulad ng SJF na tumutulong.You have to know the TRUTH and the basics at pano ba talaga maayos ang iyong future. They offer complete and real information which brokers wont dare touch. They never sell any financial products or sell funds. They are simply highly trained professionals who just want to help people reach their goals."
SJF Team: "How can we join the Seminar?"
Jommy Teotico: " Punta lang kayo sa SJF Facebook or official website nila. Just click the icon and register. Pag nahihirapan mag register online, tawag lang sa hotline nila at 78-99099 to register.


SJF TEAM: Any tips for the newbie's in Wealth Management?
Jommy Teotico: Magtiwala lang kayo sa isang Licensed Wealth Manager. SJF Wealth Management ay isang Wealth Management who focuses mostly in Client's growth. In simple terms, Di sila nagbebenta ng kahit anong produkto.They focus mostly in your personal growth. Real Wealth Management. This is one of the most important services ng isang tao. Iba na panahon ngayon, We need Financial doctors katulad ng SJF.
Change your life now by attending SJF FREE Wealth Seminar. Learn Stocks, FX and all investment materials and discover how wealth management change your life. I learned about my wealth. Now , it's your turn to do the same."

Related links:

* Official FB Free Wealth Seminar
* Registration for free wealth seminar
* 6 reasons why you need a wealth manager
* Benefits of Wealth Managers
* Tips on how to reduce your debt.

Part 2 of our conversation will be posted on June 12,2013:


Watch out for SJF second part interview with our Celebrity Advocate, JOMMY TEOTICO.
Subscribe to our SJF Blog and Visit our official facebook page.

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Wealth Management: Not just for Filipino Millionaires anymore

By SJF team

In every problems we have in our lives, we tend to go to professionals on how we can solve our problems or how to reach our objectives.

If you have a headache? You See your doctor.

If you have a toothache? You See your a dentist.

A money problem or investment problem? Well, that's when you might want to make the acquaintance of a good Licensed Wealth Manager.

Related Blogs:

*What is Wealth Management?
*What are the other services of Wealth Management?
*Investment Problem? NO PROBLEM WITH SJF
*Future of Wealth Management in the Philippines
*ABSCBN Hunk and COSMO supports Financial Literacy Advocacy of SJF

Maybe you've come into a large inheritance or your own income popped suddenly.

Maybe you gave birth to triplets or recently divorced. Maybe you just bought or sold a business. Or maybe you just feel uneasy about your money -- you're not sure where it's going now or how far it will take you in the future.

Whatever your money problem -- too much or too little -- A Wealth Manager can probably help.

Why do you need an INDEPENDENT WEALTH MANAGERS?

Independent Wealth Managers can recommend you the RIGHT PRODUCTS, investments and other financial products that YOU NEED rather than hear sales pitch from agents and brokers. Wealth Management is a very sensitive issue that can affect your future. You may be paying for insurance that you dont need or may be losing money with over investment.
Independent wealth managers also can give you reports what are best for your money rather than limit yourself in one institution or 1 bank.

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* Free Wealth Seminar
* Schedule for Free Wealth Seminar
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* Secret Keys to Financial Success

No one can dictate the high probability of reverse trend in your finances which can affect not only yourself but you family as well."Many people don't realize that hiring a Wealth Manager" can be a good investment," says Gerri Detweiler, radio host and author of "Slash Your Debt." "If you find yourself letting important financial decisions go because you just don't seem to get around to them, you might want to talk to a Licensed Wealth Manager to get those jobs done."

Currently. there are free Wealth Management seminars SJF offer for first time clients. We strongly suggest to attend in one of the seminars before getting Wealth Management services.

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PH also among the TOP RETIREMENT HAVENS

This article is brought to you by : PHILIPPINE DAILY INQUIRER
Written by Fe Zamora

MANILA, Philippines—Scoring a perfect 100 percent in “Cost of Living,” the Philippines makes it to the “World’s Top Retirement Havens in 2013,” an annual list prepared by International Living, a monthly publication about the best places to live in, retire, travel  and invest.

The Philippines ranked 15th in a list of 22, sharing the spot with France and Ireland, the magazine said in its website, www.internationalliving.com.

The ranking was based on a retirement index which the magazine’s editors, correspondents and in-country experts collected. The index cited eight categories, namely, real estate, special retirement benefits, cost of living, ease of integration, entertainment and amenities, healthcare, retirement infrastructure and climate.

Related Topics:

*What is Wealth Management
*Retirement Planning
*The secret of Investment Management

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* Keys to Financial Success
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Ecuador, which topped the list, scored a perfect 100 on climate. It scored a total 91.9 percent.

The Philippines, France and Ireland tied on the 15th place with an index score of 79.5 percent.

The Philippines scored high in ease of integration, healthcare facilities and retirement infrastructure. It scored the lowest 57 percent for real estate.

“Each destination is desirable in its own way, but they all offer something increasingly hard to come by at home: A good quality of life for a reasonable price,” the magazine said.

“Among these 22 destinations, you’ll discover places where you can save tens of thousands of dollars on world-class healthcare administered by English-speaking and US-trained doctors … find beachfront condos for less than $90,000 … and see that a couple can live well on just $900 a month excluding rent.

“Now, no ‘formula’ can spit out the name of the place that’s just right for you. After all, your priorities are uniquely yours,” it also said, addressing the retirees.

Data from the Philippine Retirement Authorities (PRA) show a high concentration of foreign retirees in Makati City, which boasts of modern hospitals, malls, hotels and entertainment amenities.

The PRA is the government agency mandated to attract foreign nationals and overseas Filipinos to invest, reside and retire in the Philippines.

Panama, Malaysia, Mexico, Costa Rica, Uruguay, Colombia, Spain, Thailand, Malta, Portugal, Nicaragua, New Zealand, Italy, Brazil, Chile, Honduras, Belize and Dominican Republic also made it to the www.internationalliving.com list of Retirement Havens.

Related Blogs:

* UITF, Mutual Funds, Stocks? What is right for you?
* Risking your life with advocates
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Related Services

* Do you want to retire early?
* Retirement Planning
* Asset Management
* Investment Management
* Wealth Management

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