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
    • Live Better
    • Get Better
    • Protect 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

    • Live Better

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

    • Get Better

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

    • Protect Better

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

    • 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}}
  • Here’s Why You Should Start Investing During A Pandemic

    18 December 2020


    Here’s Why You Should Start Investing During A Pandemic

    The COVID-19 pandemic got many people spending money on bare essentials, with investing not likely to be considered as such. Most are generally unsure if they should invest their money right now, especially with economies on the decline.

    Given the uncertainty of the future, you’ll probably be inclined to save versus shell money out. It’s also possible that you’d think twice before investing in something that involves even the least amount of risk.

    But what if investing during a pandemic is actually an excellent move? Take a look at these reasons discussing why it may be a good idea for you to start investing right now. 

    1. A recession can present affordable buying opportunities

      With investors pulling out their money from stock markets, you may be able to buy stocks at a lower price during this period, especially if historical trends show that a particular company is strong. Commonly, you will find these stocks in the “blue chips” category. But for a more informed decision, be sure to also look at the company reports available.

      Then there’s real estate, where rents are rising along with condominium supply. In fact, owning a condo has become more and more affordable, with developers offering mid-end units to OFWs and their families. With monthly earnings of about P30,000, you may already be able to secure a condo unit for yourself.

    2. There’s never a wrong time to secure your future

      Chances are, the year 2020 will go down as one of the worst in modern history. All the bad things that recently happened may have made you worried about 2021 and beyond. But as experts always advise, good investing is a long-term affair, and the earlier you make your move, the longer time you have to make your investment work for you.

      Take the case of health insurance: logically speaking, getting yourself insured while you’re young and healthy is way better than waiting it out. For one, you can get lower premiums since insurance companies aren’t expecting you to file a claim within the next few years.

      By paying low insurance premiums, it may be possible for you to diversify your investment portfolio to include a mix of stocks, bonds, commodities, and so on.

    3. Timing is not the only indicator of a good investment

      Aside from timing the market, the type of investment you choose will matter, as well. To have a secure investment, you should learn about the different options that are right for you. If you’re a low-risk investor, you may prefer treasury bonds. These are very secure since the government insures them.

      You also need to observe how the country is faring in terms of its gross domestic product. A high GDP means the nation is properly producing goods and services, giving you a signal to invest.

      You can also gauge your potential success in investment by looking at employment indicators within your own company. If the company you’re working for is hiring more staff, then more families will have greater spending power, which may be a favorable sign for investors like yourself.

    4. Emergency funds can turn into investments

      If you’ve managed to build an emergency fund over the years, you may want to consider using a part of it toward certain types of investments to help you increase your savings. Just remove the more volatile stocks from your list of possible options.

      Instead, you would want to reserve your emergency funds for low-risk mutual funds, UITFS, or bancassurance VULs. Since VULs involve adding a cash component to your insurance policy, they can complement your emergency funds by preparing you for whatever tomorrow may bring.

    5. Additional income from online selling means increased ability to invest

      Getting into the mind of an investor means jacking up your income stream. One way of doing this is going into a business. Online selling in the Philippines has given many Filipinos an extra source of income. With a minimum capital, you can be an online seller of your own product or another brand.

      Your online selling business can be as small or as big as you want it to be. What’s more, your financial gains can be much higher compared with the minimal risks of starting your business from scratch and going about it on your own.

    6. Working from home equals more time to learn about investing

      If you have a remote working setup with your company, you may want to devote your extra time toward learning how or where to invest. You can either take up an online investment course or, if you’ve always wanted to go into cryptocurrencies, now may be an excellent time to get started.

      Some may tell you that crypto is a dangerous form of investment, but the numbers will tell you a different story. For example, while perceived negatively as extremely volatile, Bitcoin seems to be more resilient than some think, posting only a 5% price drop this year. 

    Investing is Hoping for a Better Future

    The reasons mentioned all tie up to a simple and meaningful answer to why you should invest in a pandemic: hope. Hope for a bright future. Hope for your children or loved ones. Investing can be a jump-off point to a secure life even in these troubled times if you study your options and establish a strategy to help you achieve a financial breakthrough.

    If you were thinking of getting VUL insurance products, BPI AIA allows you to get insured even in a crisis like COVID-19. Consult our Bancassurance Sales Executives online 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.