PRUtureTalk With Angge

Your support means a lot as I share these stories! 🫶🏻✨

Jedi’s monetary gifts since birth are listed and separated properly, but the wisest decision I made was to use them to purchase his own Insurance Policy, complete package with Life Insurance, Health Insurance, and Investment, which is intended for his bright future. Kalooy sa Ginoo, his gifts can cover almost 2 years of premium payments. 🥰

Bank savings for babies are also good naa puy iya pero gamay ra kay unsay imong ibutang, kasagaran diha ra gyud siya kutob. While with Insurance ang emu ₱1,200–₱1,500 per month, it can grow into ₱500,000 of life coverage protection that’s why I chose Insurance over Bank Savings.

If you want to know more details ani, just DM me. I offer free financial planning. Pwede ra ta mag Video Call 😊

100 pesos lang puede na kayo makapag open ng bank account para sa anak po ninyo. nilista ko na para sa inyo.

Ito si daughter nung 4 years old sya. Maaring noon hindi nya pa naiintinidhan kung ano ang inaabot nya sa teller pero as she grows, nauunawaan nya na at nadedevelop ang habit ng pag se-save. Turuan natin sila mag save habang bata pa kasi "habit-forming" ang pagiging masinop sa pera.

Kapag naging part na ito ng system nila, kahit pag laki nila, mas conscious sila sa gastos nila, how to help the family sa pag bubudget and later on in life maaring mas maging entrepreneurial sila at nasa consciousness nila mag invest.

Daughter is 11 years old now and ito ang napansin ko sa kanya dahil maaga sya namulat sa pagse-save.

- Pag may natatanggap syang money, sa halip na iniisip kung anong bibilhin, tinatabi nya ang pera.

- Dahil nauunawaan nya ang value ng money, pag nasa store kami at may gusto syang bilhin pero hindi naman kailangan at nasasabay sa ibang gastusin gaya ng monthly bills etc, hindi sya mag iinsist bilhin. Walang attitude, hindi rin magtatantrums o magdadabog.

- Ginagamit nya mga gamit nya hanggat puede pa. Yung shoes nya sa school halimbawa, gagamitin nya basta hindi pa sira kahit luma na.

- Tumutulong sya mag isip ng ways kung paano namin puede mapalago ang pera namin.

- Together na a-achieve namin ang financial goals nanin kasi nagtutulungan kami.

Maraming banks where you can open bank accounts for kids. Usually, mababa lang ang initial deposit like 100 to 2000 pesos depende sa bank. Here are a few:

BDO Junior Savers Club
Minimum Initial Deposit: P100
Maintaining Balance: P100
Minimum Balance to Earn Interest: P2000

Eastwest Kiddie Savers
Minimum Initial Deposit: P2000
Maintaining Balance: P2000
Minimum Balance to Earn Interest: P2000

RCBC Go Savers
Minimum Initial Deposit: P100
Maintaining Balance: none
Minimum Balance to Earn Interest: P5000

Metrobank Fun Savers
Minimum Initial Deposit: P100
Maintaining Balance: P500
Minimum Balance to Earn Interest: P4000

BPI Jumpstart
Minimum Initial Deposit: P100
Maintaining Balance: P1000
Minimum Balance to Earn Interest: P2000

Security Bank Junior One
Minimum Initial Deposit: P100
Maintaining Balance: P5000
Minimum Balance to Earn Interest: P5000

*please check with bank if terms have changed

Depende sa bank yung iba may debit card, passbook and meron puede imanage gamit ang mobile app. Choose one na match sa financial journey ninyo