Skip to main content
  • Search
  • Home
  • Our Products
    • Protection
    • Health
    • Savings
    • Wellness Series
    • Insurance with investment
    • BPI AIA Direct
    • Partnership Insurance
    • Corporate Solutions
  • Key Moments
    • Building My Wealth
    • Getting Married
    • Becoming A Parent
    • Working Abroad
    • Planning For Retirement
    • Running A Business
  • About Us
    • Our People
    • Media Center
    • Corporate Governance
    • Our Commitments
    • Events & Promotions
    • Careers
    • Our Customer Charter
    • Our Internet Security Arrangement
  • Claims & Support
    • Contact Us
    • Contact Info Update
    • BPI AIA Funds
    • Payment Facilities
    • Benefit Payout Enrolment
    • Frequently Asked Questions
    • Claims Guide
    • Forms Library
    • Bill of Rights of Policyholders
  • Total Health Solution
    • Protect Better
    • Get Better
    • Live Better
    • My AIA PH
  • My BPI AIA
    • Bancassurance Portal
    • My AIA
    • REQUEST My AIA ACCESS
    • Bancassurance 101
BPI AIA
BPI AIA BPI AIA
  • Our Products

    Our Products

    Find a life insurance plan according to your needs

    SEE MORE

    For Individuals

    For Corporations

    • Protection

      Put yourself at ease by protecting those you love

    • Health

      Protect yourself from unforeseen medical costs and focus on getting better

    • Savings

      Make saving for the future within your reach

    • Wellness Series

      Protection solutions that reward your healthy choices

    • Insurance with investment

      Make the most out of your hard-earned money

    • BPI AIA Direct

      Affordable protection products readily available

    • Partnership Insurance

      Affordable insurance to protect yourself and your family

    • Corporate Solutions

      Protect your company's best assets

  • Key Moments

    Key Moments

    Where are you in life's key stages?

    VIEW ALL KEY MOMENTS
    • Building My Wealth

      Setting yourself up for success

    • Getting Married

      Embark on a beautiful journey as husband and wife

    • Becoming A Parent

      Preparing your child's future

    • Working Abroad

      Setting aside in order to come home for good

    • Planning For Retirement

      Having time to do things that you have always wanted to do

    • Running A Business

      Take care of your most important asset

  • About Us

    About Us

    BPI AIA is a partnership of financial icons

    Know more
    • Our People

      The foundation of our success

    • Media Center

      News and information about BPI AIA

    • Corporate Governance

      ASEAN Corporate Governance Scorecards

    • Our Commitments

      Partnerships and community initiatives

    • Events & Promotions

      Here’s what’s happening in BPI AIA

    • Careers

      Explore opportunities to bring real ambition to life

    • Our Customer Charter

      This is our commitment to you.

    • Our Internet Security Arrangement

      Safeguarding your data.

  • Claims & Support

    Claims & Support

    We strive to provide the best service for our customers

    Contact BPI AIA
    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now

    • Contact Info Update

      Easily update your contact information with us to receive timely updates on your policy.

    • BPI AIA Funds

      BPI AIA and Ayala Life Funds Information

    • Payment Facilities

      We make it easy to pay your premium. Choose the best payment option for you.

    • Benefit Payout Enrolment

      Receive your benefits via our convenient payout options.

    • Frequently Asked Questions

      Have a question? You may find the answer here

    • Claims Guide

    • Forms Library

      A selection of forms you can download, fill in and send back to us

    • Bill of Rights of Policyholders

      The Bill of Rights details an insurer's obligations to consumers to better protect policyholders.

  • Total Health Solution

    Total Health Solution

    • Protect Better

      Be better protected against life's uncertainties so you can live worry-free.

    • Get Better

      Be on the road to full recovery with access to health care services.

    • Live Better

      Enjoy a healthier, better, longer life with AIA Vitality.

    • My AIA PH

      Welcome to My AIA! It's your new all-in-one customer portal for your policy, health and wellness needs. Login and try it today!

  • My BPI AIA

    My BPI AIA

    Access your BPI AIA accounts

    • CUSTOMER

      My AIA

      View the status of your policy & claim requests, monitor your policy’s account values, and keep tabs of your payments & benefits history.

    • BSE

      Bancassurance Portal

    • Bancassurance 101

      BPI AIA is the number one bancassurance company in the Philippines. Find an affordable life insurance product in 800+ BPI branches nationwide.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 5pm, Mon - Fri

    • Leave Us a Message

Finance and Insurance
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • 5 Smart Investing Strategies During the Pandemic | BPI AIA

    13 August 2020


    5 Smart Investing Strategies During the Pandemic

    The world, as we know it, is changing. Businesses from various industries are closing, stock markets have fluctuated since the onset of government lockdowns, and people are shifting towards a new normal. While healthcare workers and government officials continue to deal with the health and economic impact of COVID-19, you can take steps to secure your long-term financial stability.

    Pandemic or not, making the right decisions with money is still the most important factor in attaining a secure future. Whether you’re new to investing or already have existing investments that you want to preserve, staying informed on trends and making the necessary adjustments to your portfolio will help you get through this challenging period.

    The guide below will discuss smart investing strategies you should adopt during this health crisis.

    1. Diversification matters more than ever.

      We live in an uncertain time, and one of the best ways to balance risk and reward is by following the age-old saying, “Don’t put all your eggs in one basket.”

      People may have different approaches or outlooks towards their investments, but if there’s one thing that the pandemic has taught everyone, it’s that diversifying your portfolio matters now, more than ever.

      Since there’s no way to predict how well a particular asset category will perform, setting the right amount of money to different types of investments should be your course of action. In case one of your ventures ends up failing, your returns from other assets will help you manage your losses.

    2. Make investments aligned to your risk profile.

      With so much negative news on social platforms and media outlets, many investors have become conservative. Due to the uncertainty that clouds the future, people are starting to pull out their ventures and have even avoided investing altogether.

      While this may be a good idea if you’re in the process of securing your retirement savings, it’s a different case for younger professionals.

      Now that stock value prices are relatively low, this opens up a ton of long-term opportunities that you can take advantage of. At the same time, you can gain some reassurance knowing that there are government policies in place to protect you in case the country goes into recession.

      Investing is a long-term game, and assets that may not perform well today may suddenly rise in value in the years to come. If you’re unsure of whether you should keep your current investments, take some time to revisit and reflect upon your risk profile.

      Cashing in or continuing to let your money work for you both have their share of risks, so you need to make a decision based on your current portfolio.

    3. Settle remaining debt as soon as possible.

      Don’t let your debt get in the way of your investments. Your assets may be giving you a good amount of returns, but you won’t be able to maximize your earnings if the interest rate of your credit card bills is slowly chipping away at them. Settling your remaining balances before you enter a new venture will give you more assurance and confidence.

      You should also take advantage of the current concessions provided by lending institutions. In case you need to make a loan, know that many credit providers are giving privileges, such as low-interest rates, waived transaction fees, and zero-interest installment plans, during this pandemic.

    4. Build a big safety net.

      Aside from setting money aside for a retirement savings account, you need to allocate and budget your monthly income for emergencies.

      Since a vaccine is still unavailable, there’s still no definite date as to when this pandemic will end. The second wave of COVID-19 cases can suddenly hit the country, the government may suddenly impose another lockdown, and commercial establishments may be forced to cease operations once again.

      Financial advisors recommend that your emergency fund must be six months’ worth of your monthly salary. In case your investment doesn’t produce the returns you expected or that you come face-to-face with other unexpected complications, you can steer away from hefty loans with the financial flexibility your emergency fund provides.

    5. Consider professional help.

      Stock market crashes, recessions, and investment crises aren’t new. If you’re unsure about what you want to do with your assets, you should turn to those who have survived a similar dilemma.

      You may discuss matters with friends who have successfully overcome a similar crisis, or you may even acquire the services of a financial advisor to guide your investments in the right direction. Acquiring another person’s perspective or educating yourself through books and other material can give you all the clarity you need.

    Be a Smart Investor

    Figures and statistics may give you an idea of where the stock market is headed, but there’s no exact way to predict what will happen in the future. With the pandemic still looming, it won’t be a surprise to encounter market drops in the months and years to come. To secure your financial stability, staying calm, keeping a rational mindset, and careful planning is a must.

    Know that the market is and will always be volatile, so don’t let fear get in the way of your ventures. In case you’re still nervous about investing in something big, you can always go for safer options. Luckily, BPI AIA makes it easy for you to acquire a comprehensive life insurance policy and investment plan amid the COVID-19 crisis.

    Get in touch with our Bancassurance Sales Executives to learn more.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

    Philam Life Vitality
    Newsletter

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

      

    Explore BPI AIA

    Our Products

    Key Moments

    About BPI AIA

    Who we are

    Our People

    Media Center

    Careers

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

    Learn more about AIA Group

    EXPLORE BPI AIA

    Our Products

    Key Moments

     

     

    ABOUT BPI AIA

    Who we are

    Our People

    Media Center

    Careers


    Copyright 2016. AIA Group and its subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.