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  • 4 Investment Terms You Need to Simplify for Your Kids

    26 June 2019


    4 Investment Terms You Need to Simplify for Your Kids

    Financial literacy is crucial even at a young age. Your children’s ability to manage funds as adults will be heavily shaped by the environment you’ve created at home when it comes to dealing with finances. When they see that you take charge of your family’s daily budget with less stress while still being able to enjoy quality time with them, they develop a positive relationship with money as well as good spending-and-saving habits.

    However, protecting your family’s future not only requires saving up for it. It also involves helping your children understand the importance of financial literacy. Spark your kids’ curiosity about financial responsibility so they don’t shy away from it in the coming years. Start a healthy discussion by defining investment terms in a way that they can understand them with minimum effort.

    The Concept: Investment. An investment is an item purchased to generate income in the long run, or which can be later sold for a higher price than when it was initially bought.

    Simplify it: Make finance 101 a lesson on the value of learning—take education as an example. Help your kids realize that while doing good in school doesn’t seem to bring immediate monetary benefits, these will come once they become professionals earning a salary. How do they make this happen? They need to finish a degree. Let them discover that school sets a foundation for their financial independence, which will come in handy as soon as they build their own savings.

    The Concept: Wealth. Wealth or assets are measured by the amount of money or property in one's possession.

    Simplify it: Wealth can also be in the form of friendships. Children value their friendships at any age, and these friendships are nurtured by playing and spending time together. In the same way, material wealth can grow over time, allowing your children to pursue their dreams. While this can be done on their own, expert advice is a must, much like how their teachers guide them in school.

    The Concept: Life Insurance. Life insurance guarantees that an insurer hands over a monetary benefit to a policyholder’s dependents in the event of his or her death.

    Simplify it: Liken insurance to a sturdy roof that keeps your home safe and protects your family from danger. For your family, life insurance ensures that you have the financial means to deal with unexpected emergencies like accident or death. Your family's future is also financially protected no matter how big a storm may come in the future. Depending on your family's needs, BPI AIA offers different types of life insurance products with an investment component, such as Dollar Protect Plus.  At an affordable amount, Dollar Protect Plus offers you access to global funds, while at the same time allowing you to enjoy the benefits of a life insurance plan that protects your income from unforeseen emergency expenses.

    The Concept: Financial Security. This is the ability of a person to cover expenses through his or her income without worry. The end goal of financial security is peace of mind.

    Simplify it: Relate it with your kids’ allowance—without it, they can’t buy lunch nor commute going home. For your family, it means having the financial means to pay bills on time and cover your health needs. It also means financially preparing for your future by investing in diverse investment vehicles such as life insurance, mutual funds, and stocks.

    Educating your children about the rewards of financial responsibility not only assures your family of a stable future; it also inspires them to think of ways on how to spend, save, and invest wisely, too. BPI AIA’s suite of protection solutions lessens the probability of economic and health risks, so you and your loved ones can enjoy the rewards of a longer and more fulfilling life. Dollar Protect Plus not only offer premium benefits of life insurance, but it also makes investing in global funds accessible and affordable, too.

    Lead by example today—visit any of the 900 BPI branches nationwide and talk to a Bancassurance Sales Executive.

    Live Longer, Healthier, and Better

    Invest in both your health and wealth with BPI AIA Wellness Series

    AIA Vitality

    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
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    CONTACT BPI AIA

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