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  • [Infographic] 5 Financial Goals Every OFW Should Have

    18 September 2019


    [Infographic] 5 Financial Goals Every OFW Should Have

    It’s a dream come true for many Filipinos: finding a job overseas and having the chance to earn a larger income. It may be bittersweet to land that job while being far away from your family, but remember this sacrifice has an ultimate goal: to give you and your family a better life.

    Achieving your ultimate goal is a journey that starts with setting up financial goals that will help you become financially literate and strong. These goals will give you direction in planning your future, and help you stay on track.

    [Infographic] 5 Financial Goals Every OFW Should Have

    What kind of goals should you aim for as an OFW?

    1. Be debt-free. Aim to eliminate all of your debt obligations. Avoid incurring higher interest rates or penalties by paying loans and debts on time. Being debt-free means you can use more of your income to for savings and investments.

    2. Build up savings. Saving up must also be your top priority and should take up a larger share of your budget. Savings can also be found when you spend less, become prudent with your budget, and recognize your wants from your needs when setting up your finances.

      Opening a US dollar savings account helps secure more funds that you can use for emergencies, family vacations, investments, or even opening your own business in the future. Explore your savings options to see which ones can secure and grow your money.

    3. Prepare for retirement. As much as you enjoy working right now, retirement should not be far from your mind. Think of how you want to retire in the future and make a plan on how to make your desired retirement possible. You will need sufficient funds to sustain your day-to-day expenses, plus an emergency fund for future needs.

      This is where having a US dollar savings account and a US dollar-based investment can help. When you save or invest the dollars you’ve earned, you have the opportunity to get bigger returns and obtain wider insurance protection than most plans. Bigger returns will mean more funds to support you and your family when you retire.

    4. Learn how to invest and diversify your investments. Next to setting up substantial savings, you should aim to have an investment portfolio to help stretch out your earnings. Start by investing in BPI AIA's Dollar Protect Plus, which gives you access to global funds, allowing you to grow your US dollar portfolio.

      As you build your earnings, you can then push for higher goals like investing in real estate or funding a business opportunity. The key is to keep your money from being static and find as many ways as possible to grow your money.

    5. Secure your income and protect your family’s future. Look for an insurance plan that will serve several purposes: to secure your own life, health, and income; to secure your family’s life, health, and other needs; and to grow your premium through an investment linked with the plan.

      Aside from giving you the opportunity to invest your money in the most widely accepted currency in the world, Dollar Protect Plus also has a life insurance component that ensures your family's future is protected in case something happens to you. Combining your life insurance with a linked investment expands your savings, giving you additional cash benefits that you can either claim at the end of your plan’s term or re-invest so your fund can grow further.

    If you’re looking for a plan that will help you cover your financial goals, look no further than BPI AIA’s Dollar Protect Plus. This affordable plan combines life and health insurance with expertly-managed investment funds, giving you the chance to have higher returns and better value over time. With the comprehensive coverage and value offered by Dollar Protect Plus, you become one step closer to achieving your goal of providing a better future for you and your loved ones.

    Learn more about achieving your financial goals by visiting 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

    Philam 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

    (02) 8 528 5501

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

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