Financial Needs Analysis Calculator for Filipinos

See Sample SunLife Proposals Below by Clicking on Each Picture

Risk Profile Chart

After answering the following chart, see the next chart and see my corresponding recommendations based on your score.

A B C 
TIME HORIZON
Number of years you plan to put the money to investment instrument
POINTSRISK & RETURN
Your attitude towards investing, and the level of risk or volatility (the ups and downs of investment instruments) you can take
POINTSFINANCIAL SITUATION
Consider your regular expenses, your ability to pay your loans and emergency funds
POINTS
More than 15 years4Seeks growth of money. Fully accepts volatility and is very okay with ups and downs just to ensure higher returns over the long term4Can meet emergency expenses without withdrawing these funds4
Between 11-15 years3Comfortable with up and down fluctuations of the market and prepared to do so even it goes down more than 50%3If an emergency situation will arise, I may withdraw these funds3
Between 5-10 years2Comfortable with volatile happenings but prepared for my money even it goes down not more than 50%2I won’t need this money for now. I’ll put it in an investment but this may change2
5 years and below*1Just want to preserve the money and prefer to gain stable returns rather than seeing fluctuations*1Need to supplement my income with this investment*1
*may not be suitable for VUL

SCORERISK PROFILERECOMMENDED % IN EQUITIESAPPROPRIATE FUNDS
10 – 12Aggressive or Growth-Oriented70% or more✔︎ Equity / Growth Fund
✔︎ Index Fund
✔︎ Growth Plus Fund
✔︎ Others: _____________ (contact Bryan)
7 – 9Moderate30% – 70%✔︎ Balanced / Opportunity Fund
✔︎ My Future Fund
✔︎ Others: _____________ (contact Bryan)
3-6ConservativeLess than 30%✔︎ Bond
✔︎ Money Market Fund
✔︎ Others: _____________ (contact Bryan)

Here’s a form that will help you determine the goals you would reach so you can prepare financial milestones for the future. This will help you determine your financial life’s “total needs” that will consider your current resources, present and future income, investments, interest rates, return and yields and life’s realities. I will then send you a PDF containing recommended targets so you can prepare ahead for your goals/ uncertainties like your child’s education, hospitalization, retirement, life’s milestones and uncertainties. Please note that I used SunLife’s FNA as reference in this form but I used rearrangements, own words and different system. If you will receive no response from me within 2 days, kindly follow-up so I can make you one.  
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