Category Archives: Financial Products

6 amazing things I learned financially from SUPERBOWL LI (51)

Today, we witnessed another sports event that reminded us that everything is possible. New England Patriots and Atlanta Falcons had a really excellent duel in this Super Bowl LI. This sports event is such a big thing in the United States but in the country we are just wondering how this kind of sport really works. I’d like to share my observation within the game and how you can use it to change your finances this year.

Never give up – The score was totally not good at all for the New England Patriots, they need to make a stop, so they can score. For the last 2 quarters, everything is working against them. With the score of 3 (NEP) in favor of  28 (AF) and a limited time,  Tom Brady must create a really good play. Knowing that everything is not working, they decided that every possession counts, no turnover. Same thing goes with your finances; you’re running out of gas already, your money is getting thinner. Your emergency funds are no longer good. Never give up and be more creative. Be an entrepreneur and you’ll see money will flow again.



Make History– We have seen a historic comeback and they won the Vince Lombardi trophy, but remember it was such a bad start for the New England Patriots, but they compete and started embodying their roles. Soon, they were able to make another score until they tied the game. That moment, it already gave them advantage. The teams never waste it and their championship game will be put to the NFL history books. Your finances may look like ugly, but it’s not your destiny to settle for less. You should settle for more.

Beat your old record – Tom Brady was able to make some great comebacks in his career, that’s when he overcame a 24 point lead deficit from the previous Super Bowl.  Right now, he made every fans and sports analyst so proud of what he achieved. It’s overwhelming but your old assets must go up and not go down. Your liabilities must go down. You also need to bank on your Financial I.Q so you can grow your existing assets that you have.

FOXBORO, MA – SEPTEMBER 21: Tom Brady #12 of the New England Patriots and teammates run onto the field before a game against the Oakland Raiders at Gillette Stadium on September 21, 2014 in Foxboro, Massachusetts. (Photo by Jim Rogash/Getty Images)

Be in sync with the team – The greatest quarterback stated that “he’s so proud with what the team achieved”, that’s a powerful reminder that he’s with them for the last 60 minutes of the game and beyond. If you have financial counselors, talk to them, if none, you won’t achieve a lot. You may experience the brink of disaster. Speak to those who are self made and you’ll be inspire to emulate their good traits and avoid possible traps.

Do your Job – Coach Bellichik who won the 5 Vince Lombardi Trophy said to his team to do their job. You know what that signifies, that’s trusting your teammates, the system, your gut feeling. Your job is to change the course of your family tree and help them uplift their situation. It’s not enough that you earned a lot but your ability to pass it on to the next generation.


Feb 5, 2017; Houston, TX, USA; Lady Gaga performs during the halftime show during Super Bowl LI at NRG Stadium. Mandatory Credit: Kevin Jairaj-USA TODAY Sport

Set the bar – Have you seen Lady Gaga’s performance at the Super Bowl Halftime show, astounding! In your finances, change is inevitable, but your mentality should be quite different from the last 4-5 years ago. Start changing your habits and be the leader in your family in terms of finances.


David Isaiah Angway is a Registered Financial Planner, Chartered Wealth Advisor and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured multiple times in ABS-CBN News Channel show called On the money, Bloomberg TV Philippines First Up, Morning show of NET 25 called Pambansang Almusal, Eagle Broadcasting Company EagleNewsPh Facebook Live and different radio stations in Metro Manila. He also writes for BusinessMirror,, and MoneySense magazine. He’s also part of the most respected agency in the Philippines. Sun Life Philippines. 

He is the CEO and founder of WinLongTerm Financial Consultancy, that help organizations retain their top key employees such young urban and educated millennial (Gen Y) by teaching practical money management in the workplace. You can contact him thru his website and his Facebook Page @WinLongTerm for more informative ways how to grow your money and secure your family.

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Financial Advisors congress 2015 Part 1. Financial vehicle to all Filipinos from Marvin Fausto

Financial Advisors congress was brought to us by the Registered financial planning institute of the Philippines, the biggest event gathering of financial advisors in the Philippines. This is the first part of the nine series of my key takeaways from different speakers.   
The road to being financially savvy never stops and the best is yet to come in the financial industry. While the mighty economies are falling, the emerging tiger like the  Philippine is continuously growing than ever before. What do you do while these things are happening and what do you advice to your prospective and existing clients? As a financial advisor and evangelist I’ve seen a lot of companies innovating their products to gain loyalties when it comes to their brand, but I believe that  this is going to help everyone in reaching financial freedom to all Filipinos. COL Financial made a strong move when they took the legendary Chief Investment Officer Marvin Fausto under their wings.  These are my take home nuggets from the men behind the new program.
Creation of Funds supermarket – The Mutual fund market today in the Philippines is consist of  233 billion pesos with 290 thousand investors as of 2014. The one stop shop concept  for best mutual fund companies in the Philippines will solve the issues of inconvenience to those Filipino investors especially for those people who have tons of funds and hate banks because of the low return. The good part  on your end is you don’t need  agents anymore to sell you this funds. You can easily open an account and pick funds that suits your needs and risk profile.  Disrupting the old process wherein you need to deal with agents before and replacing it with an automation will cut cost effort and time. It is also  the best way how to think ahead among the competition that’s why they are bringing this to help you simplify the complex system of investing. Clients will experience adapting to digital world with no front end fees. In conclusion, financial literacy with a really good vehicle will bring you to the advantage. 
Col financial made an outstanding system to all potential client with great partnerships from the biggest  investment houses in financial industry today. The middle class society is growing with the help of IT- BPO industry and remittances from our OFW’s but the target market of COL is to also include those belong from  the low income bracket. You got no excuses now to save and invest in equities, bonds, money market fund because  you get an efficient  tool as low as 5000php. You can practice peso cost averaging and compounding interest with one goal; financial freedom. It also means more money invested leads to more projects, more business running  end goal is economy rising. I recommend you to continuously plan and ride the wave, begin with the end of mind so you can win long term.
Non stop shop for everyone –  As we increases our financial I.Q.s and discipline in managing our finances, you want a guide or a compass in the country today. There’s a recent study conducted that by attending financial seminars only 6% of them improve their behavior towards finances. This was revealed to us by (Source: Fernandez lynch Neyemete) so whenever you received your salary make it to a point you buy money regularly However, with an efficient tool and strategic planning, risk mitigation will be highly effective towards a strong solid return. 
Effective dashboard – The COL program will have a very comprehensive table of data. It gives you insights on  where and how to invest in a specific funds. You can base your investment decisions base on the following:

  1.  Risk rating  – This range from 1 as highly conservative to 8 for highly aggressive investors. The risk/reward trade off will help you finding your investments that will suit your risk profile immediately.
  2.    Historical Returns since inception – You want to figure out the historical performance of the funds from YTD, 1yr, 3yrs and 5 yrs. This will also give you the highlights and low lights of the funds.
  3.  Standard deviation volatility  For example, a volatile stock (speculative companies( will have a high standard deviation while the deviation of a stable blue chip stock such as Jollibee and Ayala Corp  will be lower.
  4.  Sharpe ratio Generally, the greater the value of the Sharpe ratio, the more attractive the risk-adjusted return. Investors should watch for this specially If you like to see a better return.
  5.  Expense ratio cost of operating fund – We are not only talking about the management fees but we also include the annual fees   recordkeeping, custodial services, taxes, legal expenses, and accounting and auditing fees and marketing. 
  6.  Expert opinion in a  fund fact sheets – This will be updated everyday since Marvin is the founder of the  Fund managers association of the Philippines he will see to it that he will give us insights how they strategize from Fund manager experience.

Our country is moving into a fast phase growth, now that an effective tool is being provided again to us I would recommend every savers, spenders, frugalistic people and  investors to maximize this technology. There’s always a better way how to invest your hard earned money but you need a system to drive growth.
For more information: Col financial

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