Skip to main content
  • Search
  • Home
  • Our Products
    • Protection
    • Health
    • Savings
    • Wellness Series
    • Insurance with investment
    • BPI-Philam Direct
    • Partnership Insurance
    • Corporate Solutions
  • Key Moments
    • Building My Wealth
    • Getting Married
    • Becoming A Parent
    • Working Abroad
    • Planning For Retirement
    • Running A Business
  • About Us
    • Our People
    • Media Center
    • Corporate Governance
    • Our Commitments
    • Events & Promotions
    • BPI-Philam and You
    • Careers
  • Claims & Support
    • Contact Us
    • Frequently Asked Questions
    • BPI-Philam Funds
    • Payment Facilities
    • Forms Library
    • Claims Guide
  • My BPI-Philam
    • Bancassurance Portal
    • ePlan
    • REQUEST E-PLAN ACCESS
    • Bancassurance 101
BPI-Philam
BPI-Philam BPI-Philam
  • Our Products

    Our Products

    Find a life insurance plan according to your needs

    SEE MORE

    For Individuals

    For Corporations

    • Protection

      Put yourself at ease by protecting those you love

    • Health

      Protect yourself from unforeseen medical costs and focus on getting better

    • Savings

      Make saving for the future within your reach

    • Wellness Series

      Protection solutions that reward your healthy choices

    • Insurance with investment

      Make the most out of your hard-earned money

    • BPI-Philam Direct

      Affordable protection products readily available

    • Partnership Insurance

      Affordable insurance to protect yourself and your family

    • Corporate Solutions

      Protect your company's best assets

  • Key Moments

    Key Moments

    Where are you in life's key stages?

    VIEW ALL KEY MOMENTS
    • Building My Wealth

      Setting yourself up for success

    • Getting Married

      Embark on a beautiful journey as husband and wife

    • Becoming A Parent

      Preparing your child's future

    • Working Abroad

      Setting aside in order to come home for good

    • Planning For Retirement

      Having time to do things that you have always wanted to do

    • Running A Business

      Take care of your most important asset

  • About Us

    About Us

    BPI-Philam is a partnership of financial icons

    Know more
    • Our People

      The foundation of our success

    • Media Center

      News and information about BPI-Philam

    • Corporate Governance

      ASEAN Corporate Governance Scorecards

    • Our Commitments

      Partnerships and community initiatives

    • Events & Promotions

      Here’s what’s happening in BPI-Philam

    • BPI-Philam and You

      Our Customer Newsletter

    • Careers

      Explore opportunities to bring real ambition to life

  • Claims & Support

    Claims & Support

    We strive to provide the best service for our customers

    Contact BPI-Philam
    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now

    • Frequently Asked Questions

      Have a question? You may find the answer here

    • BPI-Philam Funds

      BPI-Philam and Ayala Life Funds Information

    • Payment Facilities

      We make it easy to pay your premium. Choose the best payment option for you.

    • Forms Library

      A selection of forms you can download, fill in and send back to us

    • Claims Guide

  • My BPI-Philam

    My BPI-Philam

    Access your BPI-Philam accounts

    • CUSTOMER

      ePlan Customer Portal

    • BSE

      Bancassurance Portal

    • Bancassurance 101

      BPI-Philam is the number one bancassurance company in the Philippines. Find an affordable life insurance product in 800+ BPI branches nationwide.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 5pm, Mon - Fri

    • Leave Us a Message

Finance and Insurance
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • How to Stay Financially Lucky in the Year of the Rat

    20 January 2020


    How to Stay Financially Lucky in the Year of the Rat

    When it comes to money matters and financial decisions, it probably won’t hurt to take a look at your luck. In the Philippines, the Chinese New Year forecasts are a big deal, with many people tuning into what feng shui experts have to say about their fortune.

    This 2020 is the Year of the Metal Rat. Traditionally, rats are considered a sign of wealth. It’s the first sign of all the zodiac animals, meaning it brings with it an energy of new beginnings, action, and a breadth of possibilities. Because of this, 2020 promises to be a generally prosperous year for most signs.

    If you’re looking to see what this year will be like for you and how you can keep good juju on your side, then continue reading.

    1. Balance leisure and saving

      Budgeting is an important aspect when it comes to managing your finances. Setting a clear distinction between your wants and needs is a great way to start. You can outline all the necessary bills that need to be paid off, set aside a portion of your salary for your savings, and check if you have extra cash that you can use to treat yourself.

      Just like the concept of yin and yang, it’s equally important to reward yourself just as you would save money for the future. Indulging on your wants from time to time gives you a sense of motivation and happiness, and lessens feelings of being trapped or oppressed due to overwhelming financial responsibilities.

      The importance of saving is pretty straightforward, too, in the sense that you need to be ready for a rainy day and reserve your money for bigger goals you may have for yourself in the future. Being financially responsible starts with how you treat your money.

    2. Go slow and steady

      To help you with budgeting, you can take it easy and start small with money challenges that can develop your discipline in saving. Take the 52-week savings challenge, for instance. The concept is to increase the amount you’re setting aside every week incrementally, so you don’t feel the pressure of saving from the get-go.

    3. Start a business venture

      The energy of the Rat promises fresh starts, renewal, and a lot of creative energy. For this reason, feng shui experts see it as a good sign to start a business and people’s careers taking on new heights.

      If you’re looking for a good omen, this may be the sign you’ve been waiting for. But, of course, it’s also essential to look at this from a logical perspective and evaluate first if you are ready to finance and manage a business. If things go well, your venture can take off and help grow your money!

    4. Have a positive mindset with money

      The adage “you become what you think” has some truth into it, and with Chinese astrology, this is a pretty big deal. For instance, if you keep on viewing money as challenging to earn and have too much pent-up frustration, this might affect your capacity to make financial decisions. You can lose sight of the bigger goal and give up easily.

      As such, it can be beneficial to have an optimistic outlook when it comes to your finances so you can attract even more good vibes. Setting achievable goals that you can hit can motivate you with your quest to save money and build a better future for yourself.

    5. Be smart with investments

      In line with new beginnings, now may also be an excellent time to start investing in things you may not have previously thought about yet. Things like life insurance or health insurance can be helpful, and its benefits will go beyond 2020.

      According to the feng shui forecast, all the zodiac signs will enjoy good health this 2020, but you shouldn’t rule out emergencies or health problems overall. It’s still a good idea to be prepared for anything, so getting reliable health insurance like BPI-Philam’s Critical Care 100 plan can be a buffer. Doing so can save you from costly medical bills in the long run.

    Keep Luck on Your Side

    As with any new year, you get to reevaluate your finances and reset your goals. Take advantage of this time to plan your year wisely and keep your finances in check. Don’t forget to enjoy and set aside some time to rest too. Real luck and good energy can be attracted if you take care of yourself and arrange your priorities in the best way to support your future.

    To get a jumpstart on any financial plans you want today, try exploring investment packages from BPI-Philam, one of the leading insurance companies in the Philippines. You can ask for a quote and talk to a Bancassurance Sales Executive at any of our 900 branches nationwide.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    Related Articles

    Why Prioritizing Financial Health Leads to Overall Well-Being

    Why Prioritizing Financial Health Leads to Overall Well-Being

    What does it mean to live a healthy lifestyle? Learn the different dimensions of well-being and how having good financial health ties it all together.

    [Quiz] Do you have a well-balanced approach to health & wealth?

    [Quiz] Do you have a well-balanced approach to health & wealth?

    At BPI-Philam, we believe that health and wealth are equally important. 

    [Infographic] How to Enjoy the Holiday Without Breaking the Bank

    [Infographic] How to Enjoy the Holiday Without Breaking the Bank

    Know how you can still exude the spirit of joy and giving while still being mindful of your savings plan and spending your hard-earned pay. 

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with Philam Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the Philam Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
    Newsletter

    CONTACT BPI-PHILAM

    (632) 8 5285501

     

    1-800-188-89100 (Toll Free)

    15th Floor BPI-Philam Life Makati
    Ayala Avenue, Makati City 1226

    CONTACT BPI-PHILAM

    (632)  5285501

     

    1-800-188-89100 (Toll Free)

     

    15th Floor BPI-Philam Life Makati
    Ayala Avenue, Makati City 1226

    GO TO

    PHILAMLIFE.COM

     

    BPI.COM.PH

     

    AIA.COM

      

    Explore BPI-Philam

    Our Products

    Key Moments

    About BPI-Philam

    Who we are

    Our People

    Media Center

    Careers

    GO TO

    Philam Vitality

     

    Philamlife

     

    BPI

     

    AIA.COM

    Learn more about AIA Group

    EXPLORE BPI-PHILAM

    Our Products

    Key Moments

     

     

    ABOUT BPI-PHILAM

    Who we are

    Our People

    Media Center

    Careers


    Copyright 2016. AIA Group and its subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.