The key to investing is time and a fund management program like Banco de Oro’s Easy Investment Plan is a way for the ordinary Filipino to start creating his investment portfolio that can yield good savings across a period of time. For as little as 1,000 Pesos a month, anyone can now watch their money grow without having to learn the complexities of financial markets and funds. Whether it’s a short or long-term savings requirement, the benefits still outweigh the usual interest rate of an ordinary savings account.

Personal finance management is all about planning and managing your money, creating wealth, sustaining savings, investing, lessening costs, and finding more means to increase income. It sounds obvious but many of us don't do it. And when a huge trial hits us requiring money, we are never prepared to deal with it.

Randell’s talk on financial planning was geared towards the individual and the family. When he began his presentation, I thought of many friends who should have been at the event to listen to Randell talk, people who were just starting their careers and new mothers and fathers.