What You Need to Get Ready for Retirement

Getting older is a fact of life, and it's not a negative thing by any means. But with the changing years comes a changing lifestyle that needs adequate planning and preparation. Luckily, with the proper preparations, you can look forward to living your golden years in comfort and good health. For tips on what you need to do in order to ensure a comfortable retirement for yourself, check out the short list below.


One thing you need to make sure you have plenty of as you grow older is savings. Sure, splurging on the latest cell phone or next big trip might make you happier in the short term, but that's not all there is to life. The Philippine Star reports that Filipinos have among the lowest retirement savings in Asia, with respondents of a survey only having an average of 3.6 months' worth of savings. This is incredibly low when compared with the regional average of 2.9 years. In order to make sure you can retire comfortably without having to work again, it's important to start saving as early as possible.

Diet and Exercise

Another thing you should start doing as you get older is making sure that you have a healthy diet and plenty of exercise. As we age, our bodies begin to show the effects of our lifestyle choices more quickly. This includes the surfacing of diseases like diabetes and hypertension, which is why a healthier diet is essential. In addition to this, it's also important to start exercising regularly. According to the Philippine Daily Inquirer, 61% of Filipinos lack exercise, up from 59% in 2015. Don't let yourself fall into that statistic, and make sure that you start working towards a healthier lifestyle today.

Health Insurance

Finally, one thing that you should definitely look into when preparing for retirement is a good health insurance plan. The frequency of hospital visits and the chance for hospitalization increases as you grow older, and that can take a toll on your wallet. To protect your health and your finances, you need a good health insurance plan that's meant for retirees. Paramount's PrimeCare Cash Plan is specially tailored for retirees aged 50 to 75 years old, with coverage up to 80 years old. It has premiums for as low as Php 213 per month, as well as guaranteed acceptance and coverage all over the Philippines and the world.

Regular Check-Ups

When it comes to going to check-ups at the doctor's, many Filipinos might find it too much of a hassle to go regularly. After all, the usual assumption is that if you aren't sick then you're probably perfectly fine. But going to the doctor regularly has more benefits than just simply checking off an item on a to-do list. Going for regular check-ups means that you can build a continuous health record as well as a relationship with your physician, making it easier for them to check for anomalies in your health. It also allows for early detection of diseases, giving you more chance to mitigate and recover.

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  1. As of now pinaghahandaan na namin magasawa ang ganyang bagay .. Kaya umpisa namin magbusiness para madagdagan pa ang savings .. Balak namin magkaroon ng insurance plan hindi lang para sa mga anak namin pati na rin sa amin magasawa

  2. Thanks for this mommy.. As of now, nag umpisa na po ako mag hulog for life insurance.. Slowly but surely.. Nasa 3 months pa lang po,.. Sana magtuloy tuloy po talaga ito.. Merun na din po ako kunting ipon para sa pag aaral ng mga anak ko.. Push po ito mommy... Aja!!!!

    FB : Angelie Namindang

  3. Me and my husband are now on our near mid 30's and still saving up for future stability. Regular check-ups: Yes. They may say "Kung panahon mo na, panahon mo na talaga." But for us, we still have the responsibility to take good care of our body. Prevention is still better than cure. Health insurance: We only have PhilHealth since hubby is working in the government. Automatically salary deductions. Diet and exercise: My husband is a sports buff and on a healthy lifestyle. How about me? Still getting there. 😁 Hopefully, all of these plans for our retirement will go as it is. By the grace of God! :)

    FB: Jamb Linganay Dela Peña

  4. When I was younger, isa yan sa mga naiisip ko. Ano ang gagawin ko para maging maganda ang buhay after retirement. But all my plans do sent push through. Kapag pala walang conviction sa mga gustong gawin, walang mangyayari. As of now retired na ako. I just rely on my pension. I have my own house and I don't have debts.
    Fb name: Elizabeth Lastrella

  5. Thank you sa tips ms.roselle nakaktulong po talaga ito para mapaghandaan natin ang future natin 👍👍👍

    Fb: han fua