How to future-proof your wealth while earning passive income

The feeling of financial security is the top reason why Filipinos consider saving and investing. However, Bangko Sentral ng Pilipinas (BSP) data from 2019 shows that only 29% of adults in the Philippines have bank deposits, while the Philippine Statistics Authority (PSA) says that only 20% of the 7.6 million Filipinos above 60 years old are covered by state-backed required pensions. This highlights a concerning situation for the working Filipino, who may be either dreaming or dreading retirement life.   

Retirement planning is not always a top-of-mind priority when we start working or even when we are at our prime.  The Filipino retirement dilemma also poses a challenge for those who need to take extra steps to ensure that their assets are passed on to their heirs properly, while still ensuring a comfortable retirement life for themselves.

For AXA Philippines, one of the leading insurance providers in the country, it is important to plan for your retirement as early as you can to future-proof your wealth. This ideally starts during the accumulation stage of our lives, meaning the time when our earning potential is at its peak, and when investing wisely and planning ahead is key. This can make easing to the decumulation stage of life easier, which is when you start to draw from retirement savings over time and potentially reinvest.

AXA Philippines Chief Marketing Officer Nandy Villar also shared, “When you set aside your assets for your family’s future, they don’t have to remain stagnant for years. Certain insurance products, such as our Asset Master policy, comes with an investment plan that allows access to a variety of investment opportunities across the world to diversify your portfolio and optimize the growth potential of your wealth.”

AXA Philippines’ Asset Master is a single-pay insurance and investment plan that helps Filipinos plan for retirement by growing and preserving your estate and seamlessly transfer it to your heirs, while also helping you diversify your investments by giving you access to a variety of investment opportunities across the world. It also grows your estate by 25% upon claiming payout thanks to its death benefit feature.

Having a strategy and a well-managed retirement plan aligned with your goals allows you to secure your family’s future and be able to live your dream retirement. To get the best of both worlds, AXA’s Asset Master also allows you to start enjoying the financial benefits of your investments now, without touching your savings, through a new option to invest in their first-ever income paying fund.

Recently, AXA Philippines introduced the AXA Global Assets Income Paying Fund (AXA GAIN Fund) as one of the investment options in their diverse global portfolio of funds under Asset Master. The AXA GAIN Fund is a global investment, income paying fund that allows you to have a regular cash payout while still protecting your wealth by investing primarily in a portfolio of income generating securities and using a multi asset approach to manage market volatility. Think of the payout feature as something you can use however you want - whether for travel, for pursuing a hobby, or even to supplement your day-to-day expenses throughout your retirement years.

“Early retirement planning that recognizes your needs today while securing your future without having to compromise the present is doable. We and our loved ones all deserve financial security wherever life takes us – both in the foreseeable and far future – to ensure that we can enjoy the life we are working so hard for. We at AXA Philippines are committed to be with you and your family every step of the way,” shared Villar.

Through Asset Master and the new AXA GAIN Fund, AXA Philippines aims to provide its customers with financial solutions and tools for them to be empowered to take charge of their retirement goals, no matter what stage in life they are in.

Know more about Asset Master and AXA GAIN Fund and get a quote, visit

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