Monday 7 July 2014


Hi Rhea! As promised I'll be featuring your question on MONEY MATTERS series. Firstly, it brought me so much joy that someone spent her whole afternoon reading my blog. Thank you kindly! :) Going head on with your query, we've all been there. To start as a young professional with a meager salary, but remember: It's not about how much you earn but how much you save (or invest) that matters! You can earn so much but if you're living beyond your means - that would spell credit card disaster. I'm sure you've heard those horror stories. Good to know that as early as now, you're thinking of saving and investing! I've prepared some notes for you to think and consider.

♣ Diversify. You're right! Don't rely on only one investment. Diversification may mean opening a trust fund account (UITF) or investing directly through online brokerage (like COL Financial). Best way to start is little by little. You have all the time in the world with you being 23. I wish I came up with the same realization when I was your age! :) Time is by your side so no rush.

♣ Speaking of blue chip companies, my favorites are what you've just mentioned. Jollibee, PLDT, etc. Going back to your time horizon - which is about 5 to 10 years, it's optimum to invest on companies that you personally use. Like if your savings account is on BDO - why not buy their shares? Or if you are always shopping at SM malls, why not invest in SMPH?

♣ Insurances. One of the things a yuppie commonly neglects is insurances. However, if you have money to spare, this is a high time to buy one, because your premium will be minimum plus with the good plans they offer now, you can opt not to pay your whole life through. I personally have Variable Unit Linked (VUL) insurance, but as always, feel free to explore all the options available in the market.

♣ Set a percentage. As much as it's nice to save and invest early, make sure you enjoy the fruits of your labor. Set a percentage for your investing fund AND a FUN FUND as well. It's all about the balance.

That's about it. Hope this helps! -CMK.



  1. Great tips Ma'am! I miss your Money Matters so much. Glad you are back with posts na hehe :)

  2. Hello po. Paano po makakabili ng shares sa mga companies?? Gusto po kasing mag-invest ng parents ko sa mga ganyan kaso hindi naman namin alam kung paano at saan kami magsisimula. Thank you. :)

    1. Hello Mayeh. Kailangan mo mag open ng account sa isang brokerage company like COL Financial or pwede ka rin pumunta sa Banco de Oro (BDO) or Bank of the Philippine Islands (BPI) or other banks.. and tanungin mo sila tungkol sa UITF. Hope this helps :)

  3. Hi, Ms. Kristine! I landed on your blog after doing an online search on financial blogs in the Ph. I enjoyed reading your entries on Money Matters. Thank you for sharing your wisdom! I'll be reading more of your entries during my lunch break :) Followed you on blogger and IG too! All the best! :)


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