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Dapat bang ituloy ang pagbabayad sa VUL kung naka 4-5 years ka nang nagbabayad?

Noong Sabado, March 2, 2019, nagbigay ako ng impact investing forum sa Bologna, Italy. Maraming dumalo sa event na in-organize ng

May isang lumapit sa akin doon nagtanong kung totoo bang ituloy ang pagbabayad sa VUL kung nakabayad ka na ng 4-5 years dito. Ayon sa kaniya, ito daw ang ipinapayo ng ibang financial experts.

Investment-linked insurance

Ang VUL ay isang financial product na pinaghahalo ang insurance at investment. Sa premium na ibinabayad mo may bahagi ang papunta sa insurance at may bahagi papunta sa investment.

Investment-linked insurance din ang tawag dito. Read: VUL readings

Instead of VUL, BTID strategy ang pinapagawa ko dahil mas sulit ang value nito. Read: Paano gawin ang BTID.

Financially sound

Tama naman ang ibang financial experts if they advice to just continue with VUL if you already paid 4-5 years. Around this period kasi, nagnonormalize na ang commission ng mga insurance agents compared sa first three years na sa commission nila napupunta ang ibinabayad mo.

With this, mas marami nang mapupunta sa investment fund mo.

BTID is best

 For me, as a matter of principle, I still advice not to continue. These are my reasons.

Unang-una, I don’t want to be a part of something that started fundamentally wrong financially. Hindi nito naitatama ang mali at nasusuportahan pa din ang flawed value proposition ng VUL.

Pangalawa, if you stop paying VUL in this period, and do BTID instead, pareho naman ang net effect. Pero kapag sisimulan mo nang mag-BTID in this period instead na magpatuloy, you are making yourself practice good financial housekeeping.

Choice

 At the end of the day, choice mo pa din naman ang masusunod. Ang akin lang, why not support financial products that are sound through and through, right?

Read: Paano ititigil ang VUL.

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