Love That Lasts a Lifetime

Feb 1, 2025 | by HC Mutual

Every February 14th, the world celebrates Valentine’s Day—a day dedicated to love, affection, and appreciation for our partners, friends, and family. In the Philippines, this day has become synonymous with the exchange of flowers, chocolates, and various material gifts. While these gestures are sweet and appreciated, there’s a growing shift toward expressing love in a deeper, more meaningful way: by securing the future together through financial planning and saving.

Rather than spending on temporary gifts, why not consider starting a saver’s plan or investing in a financial security plan for your future as a couple? This thoughtful gesture not only speaks volumes about your care for each other but also ensures that you are building a strong foundation for a more secure and prosperous life ahead—whether it’s buying a home, raising children, or planning for retirement.

Why invest in future planning over material gifts?

Long-term impact: Appreciation vs. depreciation

In the Philippines, property prices have been rising steadily, especially in prime locations like Metro Manila, Cebu, and Davao. This means that every mortgage payment you make is not only reducing your loan but also increasing the value of the asset you own. As you build equity, you’re investing in your future wealth.

For couples, a savings plan can also be a step toward achieving big dreams, like owning a home or creating a comfortable life together. Imagine gifting your partner a savings plan that helps secure the down payment on your future home or the travel fund for your dream vacation. It’s not just a gift—it’s a partnership for building the future.

Financial security and peace of mind

The reality of life is that unexpected challenges can arise. A saver’s plan acts as a financial cushion during tough times, such as health issues, family emergencies, or even the need for a major purchase like a home.

By starting a financial plan together, you demonstrate your commitment to providing a stable future and giving peace of mind to your partner. For couples planning to get married, start a family, or simply build a life together, having financial security is a key component of any lasting relationship.

Empowering your loved ones

Money may not be the answer to everything, but it undeniably offers opportunities and choices. Instead of spending on something that may have little to no long-term value, why not give the gift of empowerment? A savings plan or investment ensures that your partner has the financial resources to pursue their personal and shared dreams. Whether it’s starting a business, traveling, or securing a home for the future, the gift of financial support is a gift that keeps on giving.

Where you can start

HC Mutual is here to help you achieve your goals every step of the way. Our offerings are designed to empower beginner families to own their first home while having their savings earn more.

Start your journey to financial stability and a fruitful family life with our savings plans, which come with loan benefits to support your financial goals.

Save for what matters.

Start saving for as low as PHP 101 per payday.

Flexible savings plan of 3, 5, or 7 years.

3% earnings from your savings per annum.

Be prepared for financial emergencies.

Start saving for as low as PHP 1,212, PHP 2,424, or PHP 3,636 per payday.

Fixed 5-year savings plan.

5% per annum after 5 years upon completion of the plan.

Be on your way to owning a home!

Php 450,000 to Php 20M loan amount per member

Easy application after one (1) month of membership

Access to our partner developers and a wide range of brand-new homes OR the flexibility to choose your own property

Payment holidays extension in case of emergencies

Welcome gift upon moving in and 1-year Accidental-Life Insurance coverage worth Php 500,000

Other efforts you can consider

Many banks and financial institutions in the Philippines offer various savings programs that allow you to start small, with flexible terms and benefits. One option is an Individual Savings Plan, which can be tailored to meet your goals as a couple. There are also structured investment plans, such as mutual funds or insurance policies with investment components, which allow you to grow your wealth while securing your loved ones’ future.

For those seeking to make a more personalized gesture, consider opening a joint savings account and contributing regularly. You could even combine it with a life insurance plan, ensuring that your loved one will always be taken care of, no matter what happens.

Give the gift of a secure future

Valentine’s Day is about expressing love and devotion, but sometimes, the best way to show that love is by planning for the future. A saver’s plan might not come with the immediate thrill of a bouquet of roses, but it represents something far more enduring—your desire to build a future with the ones you love. For couples, it’s a symbol of your commitment to each other, not just for today, but for all the days, months, and years ahead.

So, this February 14th, why not make a promise of security and love that lasts? By investing in a saver’s plan, you’re offering something that truly matters: the peace of mind knowing that you’ve taken a step toward a bright future together. It’s a gift that will always appreciate in value and continues to grow, just like your love.