Wealth Management in Cebu
Savings and Retirement, Protected
Education, retirement or growing your savings, with protection for your family built in. Crux helps you choose a plan you can keep.
Which plan fits your goal?
Complete the sentence: choose one option in each menu.
| What is included | Education plan | Retirement plan | VUL |
|---|---|---|---|
| Sets money aside for a target date | |||
| Built for school fees | |||
| Built for income later in life | |||
| Life cover included | Usually | Usually | |
| Invests in funds that rise and fall | Depends on the plan |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your savings plan ?
Education plan
Sets money aside for school and university by a target date, with protection built in. The earlier you start, the smaller the monthly amount for the same goal.
Retirement plan
Builds a fund for the income you want later in life. An advisor works back from your target and your timeline.
VUL (variable universal life)
Life insurance and an investment account in one plan. Fund values can rise or fall, and returns are not guaranteed.
Charges and the illustration
Insurance and fund charges apply. Read the illustration before you buy, and ask what each charge is.
Withdrawals and stopping early
Rules and charges differ by plan, and stopping early or withdrawing can reduce the value and the cover. Ask for the details in writing.
Your emergency fund comes first
Keep cash within easy reach. A long-term plan is not meant to replace it.
Three reasons to plan early
Starting earlier means a smaller amount each month for the same goal.
A plan with life cover keeps the goal on track even if the earner cannot work.
Your advisor reviews it with you as your income and your family change.
How it works with your advisor
A long-term plan works best with someone who keeps it on track. These are the steps.
A plan with a person behind it
Crux helps you choose the plan, explains the charges in plain words and reviews it with you every year.
First step
Tell us your goal
School fees, retirement or growing your savings, and the date you have in mind.
Second step
Compare the plans
Your advisor shows the options side by side, with the charges and the illustration, before you decide.
Third step
Review it every year
We look at the plan with you each year and adjust it as your life changes.
Consult our recommended guides
Short, plain answers to the questions people ask before they commit to a plan.
- Read the guide
Education plan
How to set money aside for school and university, with protection built in.
- Read the guide
Retirement plan
How much you need, and how insurance and investment plans fit into it.
- Read the guide
Savings and investment plans
How insurance-linked plans work, and what to check before you commit.
- Read the guide
Life insurance
Term, whole life and VUL, and how to choose.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Savings, education and retirement plans are built for the long term. Here is what they are not.
- A guarantee of investment returns on a VUL. Fund values can go down as well as up.
- A bank deposit. Insurance plans are different products with different rules.
- A free choice to take your money out early. Stopping early or withdrawing can reduce the value and the cover.
- Free of charges. Insurance and fund charges apply, so read the illustration.
- A substitute for an emergency fund, which you should keep in easy reach.
- Investment advice. This page is general information.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about savings and retirement plans.
Part of what you pay buys life insurance and the rest is invested in funds you choose. Fund values can rise or fall, and charges apply.
Often after a set period, but rules and charges differ by plan, and withdrawals can reduce the cover. Ask for the details in writing.
It depends on the lifestyle you want and how many years you have. An advisor can work backwards from your target with you.
They do different jobs. A VUL includes life cover, a mutual fund does not. Read our comparison of VUL and mutual funds before you decide.
An education plan sets aside a fund for a target date. The earlier you start, the smaller the monthly amount for the same goal. An advisor can show what fits your timeline.
The charges, how long you must hold it before costs ease, what happens if you stop paying, and which funds you can choose.
Wealth management
Grow your savings and protect your family.
Tell a licensed advisor your goal and your timeline, and they will show which plan to look at first.