The Practical Pinay

This month of May marks my 9th year as a Licensed Financial Advisor. ✨

Grateful for every company, experience, and client that became part of my professional journey in the Banking, Finance, and Insurance Industry.

More than the titles and milestones, I’m thankful for the opportunity to educate and help Filipinos understand the importance of Financial Literacy and Financial Planning.

Lord, continue to guide me to serve with integrity, wisdom, and always with my clients’ best interest at heart. 💛

For your UITF needs 💚

Parang bumilis ang heartbeat ko bigla. 😂

Headline inflation this April 2026 umabot sa 7.2%. Pero ung sahod mo, same parin? Yung interest rate ng pera mo sa bangko- ni 1% wala unless may milyon milyon ka.

Akala mo safe yung pera mo sa bank deposit account kasi andun lang siya- nakikita mo, hindi nawawala. But in reality, niloloko ka ng figures na yan. Kasi tinatalo ka ng inflation.

Inflation- sa madaling salita, ung pagtaas ng presyo ng mga bilihin.

Imagine mo ha, ung interest sa bank account mo, usually traditional banks .00625% lang. Ni .5% wala pa. Tapos ung taas ng presyo 7% bigla.

Ending ung 1k na pang grocery mo, ano nalang nabibili ngayon? Kung dati pang 1week, ngayon pang 2-3days nalang? Minsan kulang pa kasi madami kayo sa family?

This is not AI-generated, but coming from someone who has been in the finance industry for 10yrs.

Kaya one of my life mission talaga na-magcreate ng contents na makakapag educate sa maraming Pinoy. Kasi nakakalungkot. 🥺

Ang daming ways to invest- at isa ang UITF or Unit Investment Trust Fund-usually basta may minimum 1k ka pwede ka na maginvest.

Sa UITF, pinagsama sama ang pera ng mga investors para makabili ng units ng mga big companies. Eto is pang economical kasi pag mag-isa mo lang bumili ng shares sa aabutin ka ilang thousands tapos ilang shares of stocks lang ang meron ka.

Throug UITF- may access ka na sa maraming companies-here and abroad plus managed by professional fund managers- kasi aminim naten, di naman tau expert sa stocks. Kung may alam man tau, limites. So if you are a starter sa investment sa stocks- you can try UITF kasi low initial investment lang naman siya.

Takot ka sa stocks? Marami namang ibang asset classes gaya ng bonds, money market etc. Etong mga to considered- CONSERVATIVE and low risk. Higher yield compared to tradition bank deposits lang.

At kahit nasa abroad ka, you can invest.

Anyways, ang dami kong sinabi. I can tell you more about this and how to start if interested ka- just shoot me a message.

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Not all work comes with a salary, a title, or recognition.

But every meal prepared, every tear comforted, every sleepless night—these are acts of love that keep a family standing.

To all full-time moms, your work may be unseen, but it is never insignificant.

This Labor Day, we honor you. ❤️