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VUL Investment - Insurance. Clearing up the confusion of Filipino Wealth Builders.
By: Christian Ramos, L.F.A SJ&P | Licensed Solicitor for Investments and Insurance Variable Universal Life (VUL) insurance is a widely discussed yet often misunderstood financial product in the Philippines. It is marketed as a combination of life insurance, investment, and retirement fund, but has faced criticism from policyholders. This article aims to clarify misconceptions about VUL to aid informed financial decisions. Misconception 1: VUL Is Mainly an Investment The Reali
Christian Ramos
2 min read
Navigating Philippine Instability: A Call to Action for Global Fund Shifts
An SJ&P Special report on the political and landscape dynamics of the Philippines and the world. The Philippines is known for its vibrant...
SJ&P | Wealth Advisory
4 min read
Is the CMEPA Taxing Our Savings or Just Feeding Fake News Frenzy in Manila?
By: King San Josè - Santos, RFP,CFC,CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory The recent discussions surrounding the...
SJ&P | Wealth Advisory
4 min read
Determining the Ideal Salary Allocation for Your Retirement Fund
By: King San Josè Santos, RFP , CFC, CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory Planning for retirement is key to...
SJ&P | Wealth Advisory
4 min read
The Hidden Pitfalls of Corporate Retirement Funds and Strategies for Longevity
By: King San Josè - Santos, RFP, CFC, CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory Retirement funds are essential for...
SJ&P | Wealth Advisory
5 min read
Finding the Perfect Retirement Fund: How to Allocate Your Income for a Stress-Free Retirement
By: King San Josè - Santos, RFP , CFC, CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory Planning for retirement can feel...
SJ&P | Wealth Advisory
4 min read
Risk Management Strategies to Protect Your Assets in Volatile Markets
By: King San Josè-Santos , RFP, CFC,CTA,FIFC Chief Financial Planner | SJ&P Wealth Advisory The financial markets can often resemble a...
SJ&P | Wealth Advisory
4 min read
Building a Diversified Portfolio for Long-Term Growth
Investing can be an intimidating journey, especially for beginners. However, creating a diversified portfolio is essential for long-term...
SJ&P | Wealth Advisory
4 min read
Are AI Investments or Cryptocurrency the Underdog in the Next Tech Gold Rush?
Discover why AI is the future in Investment.
SJ&P | Wealth Advisory
5 min read
Introducing the Black Rock Fund: Your Gateway to Strategic Investments
By: Mr. King San Jose- Santos, RFP, CFC, CTA, FIFC Global Systematic Sustainable Fund | Philippines gateway in Investing in Blackrock...
SJ&P | Wealth Advisory
5 min read
Closing the Retirement Fund Gap: How to Ensure Financial Security in Your Golden Years
By: King San Josè - Santos,RFP,CFC,CTA,FIFC Illustration of a retired couple What is a Retirement fund? A retirement fund is a pool of...
SJ&P | Wealth Advisory
3 min read
Examining the Influence: How Will AI Transform Investment Opportunities in the Philippines?
by: Mr. King San Jose-Santos, RFP, CFC, CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory Report of AI transition: Courtesy of...
SJ&P | Wealth Advisory
8 min read
Determining Your Investor Profile: What Type of Investor Are You?
by: King San Jose - Santos, RFP, CFC, CTA,FIFC Chief Financial Planner | SJ&P Wealth Advisory An Investor reading Financials statements...
SJ&P | Wealth Advisory
6 min read
The Essential Benefits of Establishing Your Own Retirement Fund
By: King San Jose Santos, RFP, CFC,CTA, FIFC Chief Financial Planner | SJ&P Wealth Advisory A loving grandfather shares a joyful moment...
SJ&P | Wealth Advisory
4 min read
Which Investment Fund Will Yield the Best Returns in 2025: MP2 Pagibig, Time Deposits, or J.P. Morgan Fund?
2025 Investor's Guide to Selecting the Appropriate Product by: King San Josè-Santos, RFP,CFC,LFA,CTA,FIFC Updated article for 2025 An...
SJ&P | Wealth Advisory
8 min read
Understanding the JP Morgan Investment Philippines Fund and Its Potential
By: King San Jose- Santos, RFP,CFC,CTA,FIFC Chief Financial Planner | SJ&P Wealth Advisory JP Morgan Investment Philippines. Helping you...
SJ&P | Wealth Advisory
7 min read
Investment In the Philippines : Global Technology Fund, The future of AI Investment.
Know more about AI and how it will shape the future .
SJ&P | Wealth Advisory
4 min read
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