Just got my VUL 2 months ago. I wouldn't recommend it to people who don't have the same status and goals like me. but for context, I'm a 23 yrs old who wants to be covered for life, can afford the premium, have an aggressive risk appetite, and ang goal ko is withdrawhin lang siya pag 40-45 na ako. I already have a diversified portfolio of stock investments but I still wanted a VUL to POSSIBLY supplement my early retirement.

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2024-08-26 12:57

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幾秒內	Jamu Mendoza jmumendoza	Maraming nagsasabi na bumababa lang fund value nila, but most people who has held their VULs longer than 10 years will tell you na nag-gain naman siya. So for me it works kasi pagtanda ko lang siya wiwithdrawhin. Basta hindi ako dependent sa projections na sinasabi nila bec I know the stock market better. I also made sure to choose an aggressive, international-based index fund to match my appetite. Totoo yung sinasabi nila na the ph stock market is underperforming rn so better diversify.