How to Compute Target Earning Asset for Retirement?

Posted by Grace under Investing on August 2, 2014

How to compute your target earning asset during your retirement age? I have found this useful financial tools online from Mr. Francisco Colayco, I have found i only need P1092.84 per month that earns 18% in any of the investment instruments to acquire P10,372,560.00 after 30 years. I plan to retire early, when I reached 50 years old. I am just 20 today. After 30 years old I must have P10,372,560 and earn 10% annually which it compensate my lifestyle amounting to P1,037,256.

This guide is intended for any investors or anyone who want achieve financial freedom in a specific period of time. This will be as your guide when Investing, as long as you know how much to set aside to get your target earning asset, start to invest your money.


If you already know your required monthly savings to acquire your TEA: target earning asset and you are not doing something about it, then you are only wasting your time. How much will it cost you if you don’t start early, if you delay your investing plan. try to compute your target earning asset today 2014, and get back after 5 years.

It will cost you a lot. The reason why I wrote this article is for you to analyze also how much should you invest, some people heard about investing but they don’t have a goal. They don’t have a plan, they don’t have a financial road map. If I were you try to print your required monthly investment and put it in your wall, it will remind you to pay yourself first. That small amount is for your future: for your retirement.

Small Amount for Retirement

P1,092.84 is easy to set aside. I am so sure I could become financially free when I retire, actually a multi-millionaire. That’s the beauty of saving and investing early. I admit I am not expert in finances, but what i am doing is taking action, remember, action beats inaction.

For those people who read this page, and know your required monthly savings, try also compute the target earning asset of your spouse and kids. Imagine if you have a month-old baby today, he just save 50 cents everyday for his retirement. Try it and you will amaze how small amount can help you achieve financial freedom.

How to Compute Target Earning Asset for Retirement?

You can do it online today, it only take 30 seconds to know how much target earning asset you should have during your retirement age.

As you can see, you will know easily how much target earning asset you should have, consider the inflation rate also. I compute as if my lifestyle today cost P20,000 (gross salary). My yearly salary should be P1,037,256. How to obtain that amount? Of course there are investment instruments out there that can make your money to earn 10%. Mutual funds, UITF, even in stocks.

How to Compute Target Earning Asset for Retirement

Image Credit:dubsar via Flickr Cc 2.0

Better to invest in it the safest when i Hit the retirement age via government securities or retail treasury bonds. I will no longer afford to take high risk because I am old that time. These days O can take risk as high risk as I can because I am still young.

Note: 10% of P10,372,560.00 = P1,037,256

If you want to know your target earning asset, please visit 

Update: The retirement target earning asset calculator is not working anymore.

Small Amount Makes Big Difference!

Believe it or not, by just investing P1,092.84 per month  or P36.428 per day I can acquired my target earning asset by just investing this amount that earns 18% per year, again that’s the beauty of investing early. I am confidence and put my trust to BDO UITF, FAMI-SALEF, COL Financial and Phil Equity Fund Inc. I know they can help me to realize this goal.

I took action:

  • BPI for my Cash Reserve/Emergency Funds
  • BPI-Phil Am for Life Insurance
  • P2,500 per month for my BDO UITF
  • P200,000 lump sum for my FAMI SALEF
  • Bonuses for my COL Financial Account as my Stock Broker and Phil Equity Fund Inc.
 These are the recommended books I found useful for every Filipinos. A simple explanation about how to grow your money, your allies in investing, I love the books, I’ve learned the use of leverage, the power of time and compound interest. Thank you Sir Francisco J. Colayco for the knowledge. I have these 2 books, I read these books over and over, take action, and prepare for my future. I am now a disciplined investor, wise spender and thinks a lot about my family’s financial future.

Compute Your Target Earning Asset & Invest to Obtain It

When I say the future is today, some people react differently, huh? That’s true, because what you can do today will absolutely predict your future. If you know how to manage your money well, has a good money habits, sooner you will have a lot of money, a rich man.

Believe it or not, there are people who are not familiar in investing, for those who are experts and financially literate, share your knowledge to everyone, especially to every Filipinos who are hard working but asking why they are not rich. They just know how to work hard, but don’t know how to make their hard earned money work hard for them.

For some guide in investing, please read our topics below;

  • How to grow your money through mutual funds?
  • How to Invest in Unit Investment Trust Funds?
  • How to Invest in the Philippine Stock Market?

Money Quote and Saying for the Day:

It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy. -George Horace Lorimer

Updates: To see the latest post related to this topic, kindly enter your valid email address & get subscription for free. Follow us on Facebook, Twitter and Google Plus


Home » How to Compute Target Earning Asset for Retirement?

Leave a comment:

Your email address will not be published. Required fields are marked *

↑ Back to Top