Sunday, August 25, 2013


Many Pinoy today are being aware on the word of investing and already winning the money game. But still there are many Pinoy losing in the money game year after year.

Table below shows the inflation rate in the Philippines from January 2011 up to June 2013.

As you can see, our country is performing great and had bring down the inflation rate for about 2.6%. But, what really inflation is? And how can it affect in my daily life as normal Pinoy.

Inflation is a rise in the general level of prices of goods and services in an economy over a period of time.*1 And as prices of commodities goes up, the purchasing power of your money goes down.

If you are going to check 10 years ago, the price of one sack of rice is around 800-1000 pesos, but today it will cost you around 1500-2000 pesos.

What does it means? If you have 800 pesos in your pocket 10 years ago, you can already buy 1 sack of rice. But if you have the same 800 pesos today, you can only buy half sack of rice. And you need to double your effort in your work today so that you can buy another half sack of rice that costs you 800 pesos.

How can we relate it to Pinoy investing?

Table below shows the deposit interest rate in Philippines from 1967 to 2013

Time to time, deposit interest rate gave by the bank continuously going down. And these are the only investment instrument that our grandparent teaches us. As you can see, in the time of our grandparents, deposit interest rate is beating the inflation but today, it cannot outpace the inflation. So we need to have a new financial strategy.

You need to learn how money work hard for you while you are working hard for your family by means of beating inflation rate with proper investment. The formula below can guide you.

If you want to learn more, we are giving seminar about “Financial Discipline and Practical Wealth Management”. We wanted everyone to increase their financial IQ so that they can reach their financial goals.

Wealth Academy Schedules:

Regular Sched:

Mon – 930am, 630pm
Wed – 200pm, 630pm
Sat – 900am, 200pm; 

and look for Joseph Zuela/Chona Malanog or you can request for a special session nearest in place to you. Just send us a message in email at or call or text in 0999.580.7013 for smart, 0915.616.8640 for globe, and look for Joseph Zuela.

For your financial guidance,

Joseph Zuela,
Associate Financial Planner (AFP)
Wealth Academy Trainer

>>> Do you think you really need to start managing your finances. We can help you together with my mentors and coach in our company. Accomplish first Personal Financial Strategy Survey! for us to know that you are really interested <<<

Friday, May 31, 2013

FINANCIAL LITERACY, How Important Is It For You?

     Based on Bangko Sentral ng Pilipinas Gov. Amando M. Tetangco Jr., Filipinos are more financially literate now than five (5) years earlier, their financial IQ lifted by more than four (4) percentage point over five years to 52%.*1

Let’s define first what is financial literacy?

Financial literacy is the ability to understand…

  1. how money works in the world
  2. how someone manages to earn or make it
  3. how that person manages it
  4. how he/she invests it (turn it into more) and
  5. how that person donates it to help others

     More specifically, it refers to the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.*2

     But still many of us lack of financial knowledge that leads to financial mistakes. Because many of us lack of financial planning, depend on someone else when it comes to money matter, no discipline and always procrastinating, and most importantly they don’t have any financial strategy.

     But the good thing here today is that there are many institutions, groups, individual, and non-profit organizations are ready to help us to increase our financial IQ. And there are also many books that we can buy and read to enhance our knowledge in terms of investing. There are also many seminars that you can attend to let you fully understand different financial matters. But remember information is nothing without any application, so we should also know how to apply it.

     So as part of my noble mission to everyone, I would like to share and impart to you the lesson’s I’d learned either in books, seminars, internet, or even in an individual person. I hope this could be your start to increase your financial literacy. This is really important!

To your financial freedom,

Joseph Zuela, Assoc. Financial Planner (AFP)

P.S. I do personally conduct Money Management Seminar to everyone who needs information. You can reach me at my number 0999-580-7013.

>>>Do you think you really need to start managing your finances. We can help you together with my mentors and coach in our company. Accomplish first Personal Financial Strategy Survey! for us to know that you are really interested<<<