Carlo’s Missing Asset Class: The One That Protects Everything
Si Carlo, 36 years old, planner type siya.
Proud siya sa na-achieve niya through discipline at wise financial moves:
- 💼 May emergency fund siya.
- 📜 May bonds for stability.
- 📈 May equities for growth.
- 🏠 May maliit na condo investment.
- 🥇 May gold for extra security.
Akala niya covered na siya sa lahat.
Then One Call Changed Everything
One night, nakatanggap siya ng tawag. His dad was rushed to the hospital—critical illness, urgent treatment needed.
Carlo scrambled. Habang dumadami ang medical bills, napilitan siyang i-liquidate ang stocks niya… kahit bagsak ang market.
💔 Masakit—hindi lang dahil sa pera, pero dahil sa feeling na lahat ng pinaghirapan niyang plano at disiplina… biglang nawala sa isang emergency.
The Realization
Doon niya narealize ang isang mahalagang katotohanan:
👉 Hindi lang 5 ang asset classes (cash, commodity, bonds, equity, & property). Meron palang pang-6.
✅️ Insurance—ang tanging asset na hindi lang nag-grow, pero nagpo-protect din ng lahat ng pinaghirapan mo.
Without it, you’ll always be forced to tear down what you built just to survive a crisis.
The Real Measure of Wealth
Wealth isn’t just about what you grow.
It’s also about what you protect.
Ngayon, si Carlo mas confident na—alam niya na kahit anong mangyari, hindi masisira lahat ng na-build niyang assets.
Final Thoughts
Kung ikaw rin ay nag-iinvest—stocks, condo, gold, kahit anong asset pa yan—tanungin mo sarili mo:
👉 “May protection ba ako sa biglaang emergencies?”
Don’t let one crisis undo years of discipline and sacrifice.
👉 Book a free financial planning appointment with me today, and let’s secure your 6th asset class—insurance.
Take the Next Step
Don’t let one crisis undo years of discipline and sacrifice.
📝 Sign-up for a free financial consultation with me today, and let’s secure your 6th asset class—insurance.
About the Author
Jonathan Ventula Mendoza
💼 Licensed FWD Financial Wealth Planner
Helping Filipinos build a secure and confident financial future — one plan at a time.
