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Investment advice for early retirement

September 15, 2019 (7:10pm)

Hi Sir Vince,

I am a big fan of you.  25 years old po ako.  I have question po, meron po akong naipon na Japanese yen from my training in Japan. Pinadala po ako ng current company na pinagtatrabahuhan ko po. San po pwede i-save or anong the best way to use/invest it? Kailangan ko ba agad sya palitan into PhP or wait for the exchange rate to get higher? 

Right now, I don’t need that much of money dahil simple lang po ang life style ko. Wala po akong naiisip na pagkagastusan dahil single po ako. At my age, my around 400K pesos po ako. I don’t know where to invest not spend 🙂 

I am planning to get time deposit account for my retirement or future plans. 

Thanks po, 


November 1, 2019 (9:16 am)

Hi Kevin, 

Ang ganda naman ng problema mo. Malamang ay nageexcel ka sa work kaya ka ipinadala at base sa email mo sa akin, mukhang ikaw ay isang taong maingat sa buhay at pinaghahandaan ang hinaharap.

If I understand correctly, gusto mong mag-invest for your retirement. Before going into that, first things first, you should have emergency savings at ito ang guide kung saan mo puwedeng ilagay ito: https://vincerapisura.com/saan-dapat-nakalagay-ang-emergency-fund/

Para naman sa retirement, watch this: https://vincerapisura.com/usapangpera-071-investment-for-retirement/

I strongly suggest that you make a financial plan. Here’s the guide:  https://vincerapisura.com/paano-gumawa-ng-financial-plan/

Once magawa mo ang plan, you can send it to me and I will guide you further.

God bless you!

Sir Vince


Sources of information and practical tips on money management

Different kinds of investments

Preparing for retirement

How are articles on retirement

  1. 10 Commandments of retirement
  2. Mga kinakatakutan ng retirees at paano ito paghahandaan
  3. Magkano ang matatanggap mong SSS pension upon retirement

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