Bahala
na si
Batman.
We
often hear this phrase when we are unsure of how to respond—especially when it
comes to making plans.
However,
Megastar and InLife (Insular Life) Dreamweaver Sharon Cuneta-Pangilinan says
that when it comes to retirement, we can’t just let nature take its course.
“Think
of it this way: If we can plan for the next chapter of our careers habang
nagtatrabaho tayo, all the more we should plan for the next chapter of our
lives. Start doing more for your future by doing less, by having a retirement
income plan as early as your 30s or 40s. The younger you start, the more you
will be able to save and the more your savings will grow.”
In
her latest vlog as part of InLife’s
Dreamweaver Stories, Sharon shared that while she is not yet planning to retire
immediately, she nevertheless thinks of it. “Pag sinabi mong retirement,
tungkol sa pagtanda lang natin. No,
it’s about wanting to finally be able to rest and kasama na
doon yung living our lives to the fullest nang hindi na tayo nagtatrabaho.”
She
shares that one of the things she has learned in all her years in showbusiness
and as a mother, is the value of planning ahead, including and most
importantly, for retirement. “Minsan sa dami ng ginagawa natin, we just
get caught up in the present. We work hard, we support ourselves and our
families pero hindi natin napapansin na yung panahon natin para maghanda
para sa sarili nating future ay slipping away.”
She
quoted a recent study on retirement commissioned by InLife, which says 80% of
senior citizens in the country do not have adequate financial resources once
they retire. The respondents surveyed in the research also said they would need
a monthly retirement income between P25,000 to P50,000 to sustain the lifestyle
they have gotten used to, but this may not fit the lifestyle retirees dream of
enjoying. The disparity in funds needed vs available funds upon retirement may
become larger due to unforeseen circumstances, often involving healthcare
costs.
“In
2023, Filipino households spent over PHP 600 billion out-of-pocket for
healthcare. Dagdag pa natin dito ang projected inflation rate na
3% by 2029 - ito yung pagbaba ng value ng pera over time dahil
tumataas ang cost of living. Lastly, ang mahirap pong i-predict is
how much longer will we live. Kahit marami po tayong i-save, ang nakakatakot
we will outlive our savings, lalo pa ngayon nag improve po talaga ang life
expectancy dito sa Pilipinas. Mas humahaba ang buhay natin. This
underlines the irony that while our lives continue to extend, there is so much
to be done to financially prepare for those long retirement years.”
She
also underscored the cultural practice of children being expected to take care
of their parents. “I know it’s in our culture na maraming Filipinos rely
on their kids to take care of them in their old age. Wouldn’t it be a wonderful
gift to our children kung hindi tayo magiging pabigat? We don’t want to
be a burden to them pagdating ng araw. Para naman lahat tayo sa
pamilya—especially our children—can live our lives with less worries.”
All
these future concerns, she says, may be addressed by preparing ahead. “We have
a chance to turn things around. Retirement planning, it’s intimidating di ba,
but it doesn’t have to be overwhelming. We need to think long term. Magplano
para sa ating mga kinabukasan. As your InLife Dreamweaver, I’m more than
happy to share that every Filipino can now retire without worries! The secret
lies in having a steady stream of retirement income for life—one that
complements your pensions and helps you avoid dipping into your personal
savings, emergency funds, or retirement benefits.”
Sharon
then talks about InLife Retire Assure, the first true retirement insurance
product in the country that has guaranteed benefits, is comprehensive, and has
a hassle-free application process.
“It’s
designed to provide guaranteed monthly income starting at age 60 or 65, all the
way until age 100. Simply put, parang tumatanggap ka pa rin ng sweldo kahit
na tumigil ka na sa years and years of pagtatrabaho. What’s even
better? This income has the potential to grow over time through additional cash
dividends, offering protection against inflation.”
Retire
Assure includes guaranteed life insurance given to the insured’s beneficiaries
in case of death. “Ang dual benefit na ito—retirement income at
life insurance—ay nagbibigay ng tunay na financial independence at peace
of mind, hindi lang para sa’yo kundi pati sa mga mahal natin sa buhay. Lastly,
it features guaranteed issuance—no medical evaluation needed, regardless of
your health condition.”
She
encourages Filipinos to start saving for their retirement while they are still
young. “Retirement isn’t about slowing down; it’s about starting an exciting
new chapter. Let’s plan it right so we can live life to the fullest and retire
without worries.”
InLife
Dreamweavers Sharon Cuneta- Pangilinan and youngest daughter Miel
Pangilinan have partnered with InLife
for a series of videos and articles where they give tips on and talk about how
they explore their passions, challenge their creativity and amplify InLife’s
mission of providing A Lifetime For Good to its fellow Filipinos. Recently,
Sharon shared her tips on saving in a video called “Mag-Sharon
para sa Kinabukasan.” As Filipinos traditionally bring home extra
food after celebrations ("mag-Sharon"), InLife encourages them to 'mag-Sharon'
for the future by saving and securing insurance like Megastar Sharon Cuneta,
who emphasizes the importance of “financial planning for a secure
tomorrow."
For
more information on the InLife Retire Assure, visit https://bit.ly/InLifeRetireAssure.
About The Insular Life Assurance Company, Ltd.
Insular Life (InLife) is the first and largest Filipino life insurance
company in the country with over 114 years of uninterrupted service. We apply
over a hundred years of experience in financial protection, risk management,
savings, and investment to help you make confident decisions for you and your
loved ones.
Our policyholders can be assured of being protected by a company that has
an asset base of over P153 billion and net worth of P47.8 billion. We have a
nationwide presence through our 56 offices all over the country, and an
expanded digital footprint to serve our customers, wherever and whenever they
want. Our success is anchored on the well-being and security of our
policyholders and beneficiaries, employees and financial advisors, partner
companies and institutions, and host communities as we exist to offer A
Lifetime for Good for everyone. For more information, visit www.insularlife.com.ph.
No comments:
Post a Comment