Vince Rapisura 505: May Yumaman Na Ba Sa VUL? with Hanna

[@mrssue143]

I have learned a lot from you Sir Vince. I cancelled our VUL and has been saving more money ever since. We are so lucky because you are doing the due diligence for us. God bless🙏🏻

[@rjs1407]

MP2 talaga...kaya sinurender ko na din ung VUL ko sa isang bank (35K/year for 8 years...naka 3 years ako, then nakakuha na ako ng 10K sa 2nd year....so meron akong loss of 19K. considered ko na lang na un ung coverage ko during the 3 years. next year, sa MP2 ko na idadagdag ung 35K ko. Natutunan ko ito kay Sir Vince. Thanks po.

[@jerryllucas8660]

It depends. What if malaki naman pala ang coverage that’s why mababa ang investment? Can we check first the benefits included on her VUL? Hindi lang dapat Investment portion ang tinitignan since this is a Insurance and Investment product 👍🏽

[@curiouslegend1696]

Meron sir Vince ah! Kompanya

[@AlvinBristol]

VUL is actually for 10 to 15 yrs term. Hinde mo talaga ikakayaman kung you are expecting a return in just a span of 2-5 yrs.

[@nanetnanet9640]

Kahit 50 years madam, hindi mo pa din ikayayaman. LoL

[@jaycris6338]

Hindi ba at ang VUL is designed for long term? For 20 yrs maybe? Naisip ko na lang na ituloy pa yung Vul ko and just wait for it to mature after 20 yrs. i dont know if i can request to cut it in half sa annual contribution ko, otherwise, will treat it as a savings and to beat inflation with that money.

[@rouxzherr1304]

you cannot beat inflation in VUL and treat it as savingsL...as the word implies "VARIABLE",as stocks ,indices are market driven..meaning it will depend on current market price...better invest your money in COOP or Government vehicle projects like MP2 coz what ever happen ur capital are protected, next thing you will notice ur old enough ..ur not hitting your expected goal, dont mix investment with insurance..its a big HINDE!, madami sa mga insurance puro promise lang.just ask urself first why im i getting this insurance . GETZ! bongga!

[@jaycris6338]

@@rouxzherr1304 dont talk beyond the information given to you sa comment ko. pero just like what other ofws already said, it is a common mistake for us to invest on this and i dont want to go into details since nabanggit naman na ni sir vince yin sa mga videos nya. so for the mp2, yes meron din ako nyan and mas mataas yung nilalaan ko for it compared sa vuls ko. vuls varies depending on the product. luckily yung kinuha ko is more one 70/30 sya, investment/insurance sso may ineexpect pa din ako. nag btid din ako. Gets? :)

[@ginaamerin4755]

Sir, panu to be convincers?

[@dennisallenangeles4297]

VUL is insurance which is the savings and investment is considered a medium to long-term, let's start there!

[@JJ-ug8np]

Continue it. Down talaga ang market ngayon. Pang long term naman talaga yan. Sana alam nya pinasok nya.

[@ciriloybanezjr.7183]

Happy Birthday! Ganun din po ang nakuha ko na VUL AXA Accelerator. Kaso 4 years na ako nag hulog nang malaman ko po sa inyo kaya itinuloy ko nalng. Pero depressing talaga ang naging naidulot sa akin.

[@luther7541]

Cut your loss and consider it learning experience. You will lose more in opportunity loss. So much more investments to choose.

[@maich3lbio]

If one year or less pwede ba ma withdraw or considered loss nalang ang VUL? Need advise po.

[@patrickpunzalan5939]

Hi @JAJ! What is your goal bakit mo kinuha yung VUL? your VUL should have never been pitched nor considered an investment in the first place :) it is an insurance and a form of wealth protection. Yung cash value niya is more of pang sustain din sa insurance mo but naka invest naman yan :) VUL is a bad thing as an investment but if treated as a protection and insurance, ok naman siya. At least, more of inflation adjusted insurance siya wherein your ‘invested side’ could be added on your insured amount in case na may mangyari sa iyo :) If wala naman and you live till 88 or 100, then yung invested side is plus na lang and can be added as a retirement fund. Never ever treat VUL as an investment. It is an insurance. Review again what is your goal why did you get that VUL? Do you have dependents? Do you have a family na ba? Review again if you remove that VUL, can you afford to lose protection? Anu next plan mo? Baka kapag kumuha ka uli ng insurance, baka mas mahirapan ka na if ever due to age. If you can afford the VUL, then at least try to consider that you can continue to pay for it. try to consider as well to find other Investment vehicles such as stocks, pag ibig mp2 and mutual funds. But again, it depends on you, VUL was meant for a long term protection, not investment. Lesson to be learned from this is NEVER EVER Invest in something you never truly understand. Due Diligence is a must in investing. Great day Kabayan!

[@maich3lbio]

@@patrickpunzalan5939 BTID nalang daw as recommended. Thanks though for your insight.

[@patrickpunzalan5939]

@@maich3lbio Hope you get a well suited investment that fits you :) Hoping for the best for you :) Great day :)

[@pablovinedaordinarioconfis9083]

parehas kme ng VUL, AXA accelarator same amount dn 300k for 5yrs.

[@devavenueph]

Ayun.. Ito sir ang itatanong ko sa fa ko hahaha. Thank you Po

[@edwingracilla1886]

Good day Sir vince,8years na po ako naghulog 30k po annual payment ko, now nag verified ako sa ang laki ng nawala sa found value,Kaya gusto ko na isurender

[@MrBrey-qv6jp]

Meron naman po sir vince. Si garett maralit of "The Bright Millenial". 😅

[@lowprofilebehumble1427]

I actually stop my VUL sir vince, the reason why is, im afraid of lapsation of the product. As an ofw most of us are working as a contractual. The moment we lost or end our contract theres a big chances that we are not capable to continue the said payment regularly. And thats a probability happend normally. Since i join in financial group, i discover a lot and found out that there are alot of option to have investment and insurance as well that will let your worry free and also the affordability. I learned that theres nothing wrong about VUL, as an individual you know your purpose. If your plan design for purely protection VUL can do instant, and i think its design for the person who dont have time to learn financial literacy. Cause again if you know well about financial literacy, you will not lose a lot of money. Invest a little money for your self first or you will lose a lot of money... Thats the rule of life...

[@MargaritaGarcia-y8y]

Meron. Once na na approved ang policy mo, milyonaryo na agad ang family mo.

[@Dalmacio784]

Maganda ang VUL KUNG LONGTERM ANG MINDSET MO. PAG SHORT TERM WAG KANA KUMUHA NG VUL.

[@maich3lbio]

Withdraw meaning? Withdraw the plan like stop na and never contribute na or withdraw yung fund value?

[@mrysleonor1525]

Yes po. Stop na po yung policy pag ganun (according sa video) - hindi na rin po kayo magbabayad ng premiums at kung may napunta na po sa investment part po (fund value), may makukuha po kayo kaso konti na lang po kasi may charges po. Depende rin po sa insurance policy nyo po. Better na basahin nyo po yung insurance policy nyo po (especially yung sa table po, dun po makikita yung charges, san napupunta yung pera nyo po, interest rate, projections, etc.). Pero lagi pong tandaan, always check your financial plan. Kung pang-long term naman po kasi ang VUL (10-20 years up), continue nyo po VUL. You can do naman po fund switching kung ayaw nyo pong matalo sa VUL. Ask your financial advisor for more details or sa kakilala nyo po na may alam regarding personal finance :) pero kung short term naman po ang plan nyo, you can do the video's advice which is BTID (Buy a Term insurance, Invest the Difference) strategy.

[@maich3lbio]

@@mrysleonor1525 this is very helpful. Many thanks ❤️

[@rosiepacis51]

Good evening sir vince ako myron din vul bago lng ako kumuha 5 years to pay 1year nkong naghuhulog ng 1000 monthly po.ano po gagawin ko di ko npo itutuloy ang vul kong ako ay talo din nman po.dahil sa sabi nyo maliit lng ang makukuhang pera kysa ibinigay mo sa kanila po.

[@ulysseslegatona6512]

Ilang percent na po ba ang mp2 nxt yr?

[@patrickpunzalan5939]

Dividends in Pag Ibig are being announced on the next year :) the performance of the Pag Ibig Mp2 for 2020 as announced was 6.12% this would depend on the performance of Pag ibig :)

[@coachjbbaldoza4737]

Better naman talaga ang BTID compared VUL.. I love BTID strategy...

[@patrickpunzalan5939]

It depends on the person. There is no investment strategy that fits all :)

[@rosiepacis51]

Hinde ko nlng po cya ituloy sir sa pag ibig nlng ako mag invest po

[@albertoopena5921]

If you plan for investment, VUL is not the right one, I loss so much in AXA expecting to gain something after maturity. Pero wala negative losssssss so much money... Bad investment if you put your hard earn money and expect to gain something or at least breakeven in 5yrs or in 10 years time Not a good one. but if your willing to wait for 20 years, maybe or nobody Knows, it is your choice. Better to look for insurance that cost you 10K+ annually and equivalent to a 1M insurance coverage and have multiple insurance with same. I think it's much better. Anyway Just sharing my failed experience. have a good day everyone.

[@keepcalm3275]

Gusto ko pong masama sa training of trainers hehe

[@milkyfern9422]

Di ba ang purpose ng VUL ay for long-term, eh bakit tarantang taranta kayong mag-grow ang pera nyo in just 1-2yrs? Hindi rin ba iniexplain ng advisor ninyo na malaki ang charges sa first two years kaya maliit lang ang portion na na-allocate sa investment sa mga taon na yun? Yung 4-8 percent na returns ni VUL ikayayaman mo b yun? Hindi naman di ba pero maganda sya to beat inflation. Para kahit paano hindi bumababa ang value ng pera nyo. Stress nyo ako.

[@binance2018]

😄

[@pobrengnilalang5]

VUL is a long term protection.. You may withraw the Fund value, pero if you cancel VUL ACCOUNT, eh di natigil na rin yong insurance coverage & services. Pag namatay ka, nga nga

[@RIa-sq5yk]

Marycris Borce

[@gosunli6361]

Xa

[@luther7541]

Yes ung seller ng VUL haha

[@Dennis07-yl3cf]

So sa mga naka 10 years na dyan kumusta returns? 🤣

[@moslimaodeh9980]

Haha. Natawa ako sa " itigil n ntn ang kalukuhang ito". Haha

[@jocelynmillares]

This is the worst form of investment...bought BDO Save Flex 2 policy worth 500K each so total 1M. Now i checked the money its down to 630'K for both policy....pra kong na scam actually!!! hahayaan ko n lng muna pera dun hngg sa lumaki pero hngg kelan?? Binalikan ko Agent ko sbi kc Pandemic daw pero grabe nmang loss yan sobra...naka depress!! yung inaasahan mong magpapalago ng pera mo ginatasan k lng pala!!

[@arvintroymadronio7298]

Ang problema diyan kapag kinancel mo ang VUL insurance, sayang ang mababang premium while you're still young. Ang practical tip diyan kung mayroon ka nang VUL, lalo kung matagal na ang policy, shift mo na lang sa bonds o money market ang fund value nito, tapos bayaran mo na lang ang insurance premium na nasa policy every payment due para hindi sayang. At the end of the day, makaka-recover din yan after ng COVID, babalik din iyan sa dati. Tip ko lang sa mga may VUL o kukuha pa lang nito dapat may iba pang source of income aside as work mo dahil sa oras na di mabayaran ng tama at on time, magla-lapse ang policy sa oras na maubusan ng fund value sapagkat doon lang sila kumukuha ng pondo in case of default. Sana may VUL din na pang masa ang market.

[@user-ye9hn7tb2z]

@Arvin Troy Madronio panu po ma shift into bonds or money market ung fund value?

[@arvintroymadronio7298]

@@user-ye9hn7tb2z kung sa sunlife iyan pwede shift to bonds or money market up to 4x a year free of charge. Depende pa din iyan sa VUL na kinuha ninyo.

[@user-ye9hn7tb2z]

@@arvintroymadronio7298 paanu po gawin nio pede po ba kayo email or PM?

[@elbulakenio4457]

Sagot ko Wala ...halos lahat nalugi

[@lukasloh2509]

Kun May VUL ka at sinasabi mo na Di ka apektado at Wala kang paki sa response ng govt natin sa covid 19, Oi bagsak lang naman ang stock market natin and our economy is in worst recession since WW2.

[@judahbenj5246]

dami ahente sa baba...butt hurt😁