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Survival math and margin math for young income earners

Most financial advice starts too late in the story. It assumes there is already margin, something left over after rent, food, transport, and family, and then prescribes where to put it. Open this account. Contribute this percentage. Start now.  But for a significant number of young Filipinos earning ₱15,000 to ₱25,000 a month in Metro...

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Do you know your retirement number?

I avoided calculating my own retirement number for years. Not because I didn’t know how. I’ve been in asset management for most of my professional career, first as an analyst, then as a portfolio manager, and now as chief investment officer. I knew the math. What I didn’t want was the answer. There’s a specific...