sun flexidollar. But there are plenty of ways to enjoy the four-month long festivities without breaking the bank, and all can still be within reach. sun flexidollar

 
 But there are plenty of ways to enjoy the four-month long festivities without breaking the bank, and all can still be within reachsun flexidollar  As recommended, your emergency fund should have at least six months-worth of expenses

c) Switch to healthy fats and oils made from nuts, olives, avocados, canola, or fish. Website: Learn various options to pay for your pre-need plan. Global Income Fund is offered as a fund option exclusive to Sun MaxiLink Dollar One , Sun FlexiDollar and Sun FlexiDollar1, which are investment-linked life insurance products regulated by the Insurance Commission. Global Opportunity Fund is offered as a fund option exclusive to Sun MaxiLink Dollar One , Sun FlexiDollar and Sun FlexiDollar1, which are investment-linked life insurance products regulated by the Insurance Commission. But for their makers, these items put food on the table. c. 2. For OFWs, he also conduct online video consultation through Skype, Viber, Zoom or FB Video Call. Sun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Prime; Sun MaxiLink Bright; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100; Sun Wealth Prime 7; Sun LegacySun Life Money Summit: The Biggest Financial Conference Slated this October. This was the inspiration behind Sun Life Philippines’ latest campaign that highlights its brand promise of Partner for Life. Read the full mechanics here. This promo is open to all Philippine residents, 18 years old and above. This is a multi-asset feeder fund that invests 90% of its net assets in a Target Fund 1 managed by BlackRock®, one of the world’s. Money concern: Cost of living. (e. Refrain, if you can, from smoking and taking in too much alcohol. Eventually, you can raise your savings to 20% to 30% which will form the fund. May 31, 2022. - Ninoy reminds us to set our individual agenda, and pursue the best interest for the common good, even during the most trying times. Client is qualified to receive Tier 3 Base Reward under the Existing Client Rewards Table. 4% meeting the global physical activity recommendation. We conduct our business and uphold a corporate culture that sustains our environment. A. Give the gift of time. Height (e. This is Sun Life’s 11th consecutive year. Grand Raffle. It’s their source of living. This promo is open to all Philippine residents, 18 years old and above. Global Opportunity Payout Fund is offered as a fund option exclusive to Sun MaxiLink Dollar One, Sun FlexiDollar and Sun FlexiDollar1, which are investment-linked life insurance products regulated by the Insurance Commission. When the day has been uneventful, or lousy, I conduct music marketing on myself by listening to tunes I grew up. That’s 60% decline. Training programs. This is but one way for us to uphold that commitment,” Sun Life Philippines CEO & Country Head Benedict Sison said. 2. And you can take comfort in the belief that you are destined to be wealthy. Request for Additional Investment (2023-07-18) - Accomplish this form to add to your existing investments. You must develop the habit of saving for your child’s education. 1. follow simple common sense in dealing with your finances. This describes. When on a limited budget, you have to use your money wisely. 5 tips to stay on track of your financial goals. is launching the Global Opportunity Payout Fund. However, this could lead to problems, especially when the younger members are not prepared to make financial decisions when it’s already their. October 22, 2019. By May De Jesus-Palacpac. On July 10, 2021 (Saturday), Sun Life will mount a virtual event entitled “ OneSunLife Open Day - Next. Look at Sun Life Asset Management Company, Inc’s. take (calculated) risks. Amid the economic challenges and the shift to online learning prompted by the pandemic, Sun Life Financial-Philippines Foundation, Inc. Sun LIfe launches first sustainability-driven VUL fund. From buying in full price to patronizing native guides, here are seven reasons letting you know the importance of supporting local tourism: 1. One example from Anthony in setting aside a fund is the 80-20 rule. Talking about your dreams and life plans shouldn’t be considered mushy. Sun FlexiDollar1 is dollar-denominated investment-linked life insurance plan that lets you grow your dollars through flexible investment options that can capitalize on the strength of international markets. They say that whoever controls your money controls your life. The combined rate for its bundle of Sun MaxiLink 100 life insurance and Sun Life Prosperity Achiever 2028 mutual fund starts at P4,000 per month. Celebrate lifetimes with Sun Life’s 125th anniversary raffle promo. October 13, 2022. Sun Legacy is a protection and savings plan that will help preserve the wealth you have built over time and efficiently pass it on to your loved ones through the guaranteed benefits the plan provides. 1. As of this writing, about 10,000 of them are being repatriated back to their homeland*. ”. 7 Steps towards financial independence. Real-life tips to teach children about money: 1. g. December 15,2020. The campaign. To start being in control of your personal finances, here are 10 steps for your own monthly money routine. Piolo shares, “I always remind Inigo to remember that you are working hard for something, for your future”. Request a free sample. This will give you the peace of mind that the money you worked hard for is being managed well. This limited-offer product matures after seven years and aims to give back 100% of the client’s premium in addition to potential returns of the underlying performance asset. By Tara Cabullo. The first is the Spend bucket wherein you will have to budget how much you will spend on your needs and. Sun Life Philippines has officially been certified as a Great Place to Work™ after 86% of its employees affirmed in a recent survey that the financial services company provides an overall great employee experience. Attend the interviews or take the POP (Personality. Resist giving in to peer pressure. SUN Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Prime; Sun MaxiLink Bright; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100 ; Sun Wealth Prime 7; Retirement. Sun Acceler8; Sun FlexiLink; Sun FlexiDollar; Sun MaxiLink Prime; Sun MaxiLink Bright; Sun FlexiLink1; Sun FlexiDollar1; Sun MaxiLink One; Sun MaxiLink Dollar One; Sun MaxiLink 100; Sun Wealth Prime 7; Sun LegacySun Pera-Aralan aims to impact the lives of 125,000 public school teachers nationwide, as inspired by Sun Life’s 125 th anniversary in the Philippines next year. For mothers, spending time with their children is a gift that cannot be bought. "We must transcend our petty selves, forget our hurts and bitterness, cast aside thought of revenge, and let sanity, reason, and above all, love of country prevail during our gravest hour. If you want your kids to be smart about money, you first have to make them understand the value of it. In our eyes, they may be souvenirs or delicacies. Review your transaction history to see where your money goes. Sunbathing, sunbeds and intense heat (such as saunas and hot yoga) ideally should be avoided for 2 weeks after Lip Filler treatment. “Joanne is my very first client from Advisor Match. Investments Head Ivan Corcuera said. June 06, 2022. The message is depicted in a fun and vibrant music video featuring Sun Life brand ambassador Piolo Pascual, set against singer-songwriter Johnoy Danao’s song “Bright Like the Sun” in the background. If you want your kids to be. They must be developed based on the S. According to the latest report from the Insurance Commission (IC), Sun Life posted a premium income of PhP39. Millions of people around the world have lost their jobs and sources of income as a result of the COVID-19 pandemic. 1. This is where life insurance proves to be a valuable financial tool for founders. Its benefits, as listed below, range from peace of mind to showing a good example for the next generation. 4. September 01, 2022. Sun Life Philippines offers simple and convenient options for your pre-need plan payments. Growth is. 68 Yee Wo Street. Make it fun and reward yourself. YOLO has meant going after your dreams because you only live once. ”. You can choose from low-risk, low-yield government bonds to high-risk, high yield equities. Sun Future Proof will also empower business owners to create a financial plan with the help of a Sun Life advisor, who has been specially trained to handle both their business goals and personal goals. The said amount comprised of individual death and living benefits, group benefits, and maturities in life insurance and pre. Here are some things you can try:Sun Life and Insurance Commission align goals in courtesy visit. How the youth can be empowered to build their future. Save those scraps. Sun Life Financial-Philippines Foundation, Inc. For them, the gift of time is precious and would be very much cherished. To build and strengthen your investment portfolio, keep in mind the following: 1. MyFuture Fund is a target date fund that primarily invests. Here are 7 important tips on using your credit cards wisely: 1. Reports from the Bangko Sentral ng Pilipinas say that of about 36 million Filipinos with bank. Sun Life of Canada (Philippines), Inc. This is something that Piolo Pascual knows all too well, committed as he is to the promises he has made to his family as a son, a sibling, and a father. , the first and longest-standing life insurer in the Philippines, is marking its 125th anniversary in the Philippines with the theme “Beyond Lifetimes,” as a testament to its longevity in the country and to reiterate Sun Life’s commitment to its purpose of helping Filipinos achieve lifetime financial security and live healthier lives. Intentionally or not, grown-ups are constantly teaching children life lessons. Choose and stick to one credit card. A plan begins with a definite purpose. You do not have to be a registered financial planner just to start discussions about money with your child. There's not much in there. Sun Life Financial-Philippines Foundation, Inc. The Sun Life Financial Organizer is a complete tool to help you plan and protect your financial future. It wouldn’t hurt if you’ll use a portion of your Christmas bonus to invest in your personal growth. The fact is, you will probably live about 15 to 20 years more upon retirement (even longer hopefully). Each swipe is a loan. TBR - Sun Life Dream Marathon draws over 700 new marathoners. September 25, 2023. Amid the economic challenges and the shift to online learning prompted by the pandemic, Sun Life Financial-Philippines Foundation, Inc. Look forward to your homecoming. In Filipino, it is utang. A good plan if you are a low-income earner or elderly seeking income protection and wealth accumulation plan in a more affordable scheme. Managed by Sun Life’s professional fund managers, the Global Opportunity Payout Fund can be availed for the following Sun Life investment-linked insurance. 1. December 15,2020. When a brighter life means today might be darker day, one can rely on simple, little details to spark joy into one’s life. “Serving Filipinos for 128 years now, Sun Life has always prioritized sustainability – not just in its Philippine. was honored in the recent Philippine Quill Awards for Tulong Eskwela, a program jointly mounted with AHA! Learning Center to help teachers, students, and parents pivot towards distance and hybrid learning setup, especially at the height of the pandemic. But as you grow older, you will be traveling internationally, purchasing things online that you cannot buy with physical cash, and thus, you will need a credit card. I am happy, healthy, and wealthy. Currently, my wife is under very close monitoring for the next five years as we focus. MANILA, PH – (July 1, 2023) - Sun Life Philippines has revealed that Asian Popstar Royalty Sarah Geronimo is joining its roster of brand ambassadors. But as against writing those down in a slum book,laying your goals down in a financial consultation means crafting the direction. PHP500,000 to PHP999,999. One mistake can ruin the entire process, and you would have to try all over again. A policy advance is not covered by Bayanihan 2 since it is not considered a commercial loan. I am generous. A clear description of what you want. If you have a family, then 9. 2018 CLIENT PROMO. On the other hand, wealth can help you fund expenses related to improving your health, be it hospitalization or recovery. Then again, there are just some things you have to just be ready for. Shortly after being acknowledged by the Insurance Commission as the country’s No. Here are the top 10 mistakes of retirees: 1. With Sun FlexiDollar, let your dollars grow while preparing for your life goals! Start your financial journey with The Financial Bro now. Spend the retirement you deserve – worry-free and home for good with the , which gives you life insurance coverage and money. Sun Life Financial-Philippines Foundation, Inc. Life insurance. has revealed its sustainability agenda as a commitment to helping Filipinos achieve the freedom to live brighter. Consult with a financial advisor. There are four (4) basic types of mutual funds in the market: Money Market Funds invest in short-term debt instruments like time deposits. “ There is a direct relationship between risk and potential return. Goals must be S. Consider your budget. Measurable. Organized by international publication Reader’s Digest, the Trusted Brand Awards is based on consumer voting where over 8,000 individuals in the Philippines, Singapore. < 25kg/m 2 25-30kg/m 2 > 30kg/m 2. Having a travel insurance lets you enjoy peace of mind even if some things go wrong. Read this 2018 press release from Sun Life Financial Philippines entitled Sun Peso Maxmier providing. As she turned to baking to destress, it also inspired her to build a bakeshop called Heavenly Desserts. Procedures: In a bowl, mix the dry ingredients flour, cornstarch, baking soda, and salt. Mylene Abiva was already 48 years old when she climbed her first mountain, Tarak Ridge, with her sons. Calculations of sunrise and sunset in British Columbia – British Columbia – Canada for November 2023. Join a #LiveBrighter Forum – get to know more about what it takes to shine as a Sun Life Financial Advisor. Sun FlexiLink1. Financial Advisors have served as a lifeline to millions of Filipino families since life insurance came to our shores 125 years ago. Solution: Prioritize payment of debt. - Zig Ziglar. Value of Giftaway e-GC. July 02, 2022. There. If I were to pick a song to describe my life so far, I’d choose “Just Got Lucky”; the 80’s hit of the band JoBoxers, and best remembered as one of the music soundtrack in the movie. M. Being rich requires you to work hard. You may avail of these Sun Life insurance and investment products before leaving the country to work abroad, while you are in the Philippines, or as a returning resident. There’s no need to lie and make up excuses too. Sun Life Partner in Health promo for clients. Donny is making the most of the opportunities coming his way. Sama-sama sa Pasasalamat Thanksgiving Concert 2023. Keep stress levels low. In a bid to help clients diversify their US dollar assets, Sun Life of Canada (Philippines), Inc. Based on 2019 data, they earn $43,480 (₱2,282,743 based on the current foreign exchange rate) annually on average. One of the ultimate dreams of an OFW is to be home for good. From the start, she already knew the plan that she. “That’s way above what I can afford. Some debts are ok such as home and business loans – they can actually help you build assets. An investment manager’s advice to his 25 year old self. Vacation in El Nido, Palawan*. Don't miss Sun Life Philippines' latest events and promos this 2021. Sun ICU Protect. , in partnership with Children’s Hour, has successfully concluded Project 120 Classrooms, an initiative that aims to build 120 classrooms in areas that were heavily hit by natural calamities. Evaluate and adjust. 2. The 91-day grace period is counted from payment due date of said policies/plans falling between February 15, 2020 to May 31, 2020. Sun Wealth Prime 7 is designed to help policyholders secure the future of their loved ones by providing life insurance protection for seven years. This is the message that Sun Life Philippines wishes to send in its latest campaign, as it strives to. There are however some eating patterns that can help reduce the risk of developing type 2 diabetes. Practice self-compassion. This goes to show that, while there is. INVEST FOR REWARDS. August 30, 2023. ”. Sun Life Bright Partner Promo Meet and Greet Piolo. A green advocate and a member of Sun Life’s Brighter World Builders shares her passion to the cause of helping save tamaraws, a Philippine indigenous animal, and its relevance to being in harmony with nature. Sentiment may improve in the second half as inflation eases to BSP range, allowing for. Health emergencies are one of the top concerns of Filipinos – and with a good reason. So you should also prepare one for emergencies. Managed by Sun Life’s professional fund managers, the Global Opportunity Payout Fund can be availed for the following Sun Life investment-linked insurance products: Sun MaxiLink Dollar One, Sun FlexiDollar1, and Sun FlexiDollar. Our product solutions vary from education products and health. Marketing and Sales Growth Superstar Pinky Yee pushed the definition of corporate success in the last 30 years and is now redefining retirement. This was revealed in the Youth Physical Activity Report Cards released by The Active Healthy Kids Global Alliance (AHKGA), raising the alarm for stakeholders to work. Aside from the guaranteed life insurance benefit, clients can get annual earnings equal to 4% of the single. A good place to start from is to choose a company that has established itself to be secure and reputable. Rachelle Carpio. Find out more now. The launch of the peso versions of our global fund suite will allow our clients to diversify their financial assets without the inconvenience of having to exchange their Peso,” Sun Life of Canada (Philippines), Inc. Set aside a portion of your monthly income and strictly observe this until you reach your goal. Instead of giving coffee shop gift cards, why not give a Sun Life Prosperity Card? It comes in PHP 1,000 and PHP 5,000 denominations. Sun Life believes that being financially prepared provides a sense of freedom and fulfillment. Like Amaya, she set an example. It doesn’t start only after graduation. Sun FlexiDollar1. The Fund is invested only in foreign currency-denominated high-quality fixed income and fixed income-linked instruments that are. (IXM) proudly wears a chip on his shoulder. Money being a source of true joy is wishful thinking as wealth is insatiable – many will not achieve satisfaction until they are consumed by the quest for wealth. When will the 60-day grace period begin? The 60-day grace period will begin from the payment due. P’YOLO - Plan, You Only Live Once. From the peak during the first quarter of 1997 when Makati CBD land was selling at P425,000/m2 and Ortigas at P195,000/m2, prices came tumbling down to P171,250/m2 and P77,500/m2, respectively in the third quarter of 2002. Sun Flexilink is an affordable VUL plan from Sun Life that offers financial protection against loss of life, sickness, and accidents while you can use the accumulated funds as a retirement fund, educational funds for kids, starting a business, etc. September 22, 2021. It helps you avoid financial stress because you don’t have to worry where to get the money if a cash emergency happens. SLAMCI is especially encouraged by the growing number of young investors. Secure her health and future. “Looking at the bigger picture. Sun Life’s Philippine Stock Exchange index (PSEi) forecast for full-year 2023 is at 7,009. You can check out this insurance product at the Sun Life Lazada Store where it is exclusively available. Baking requires a great amount of patience, dedication, and precision at every step. Here's the thing though: I do think I'm rich. I am becoming more prosperous and successful every day. Severity-based health insurance plan with ICU and Major CI benefits. com. However, it is not a reason to spend all of your 13 th month pay or live out a crazy rich shopping fantasy. What inevitably follows is the rise of. Your goals will inspire you to invest diligently and use your money well. Keep in mind that every little step you take brings you closer to how you want things in your life to be, including your finances. Sunnexdesk. This kind of fear and uncertainty is unhealthy for any business that is already struggling to survive in the crisis. When I was a child, an ubiquitous TV ad continuously encouraged us “Mag-impok sa bangko!”. There is no other way to get out of debt other than paying that debt. These are lessons she learned throughout her career journey. Working with a financial advisor is like finding a supportive partner who can help you create a financial plan so you can have money for life. Conduct a general cleaning before Chinese New Year. Know more about our Business Owner Insurance Packages that address your financial needs such as insurance protection for partner/shareholder, key employee, health, emergency, retirement and education at. By Riza Mantaring, Chairman, Sun Life Financial Philippine Holding Company, Inc. 5. To be away from home and family makes it challenging to work overseas. How to make 2023 your best year ever. Life insurance coverage. Aside from adding a welcoming vibe, regularly replacing and washing these essentials also assures that these items are clean and germ-free. To bring our sustainability ambition to life, we have appointed the most. Global Growth Fund is offered as a fund option exclusive to Sun MaxiLink Dollar One, Sun FlexiDollar and Sun FlexiDollar1, which are investment-linked life insurance products. From the peak during the first quarter of 1997 when Makati CBD land was selling at P425,000/m2 and Ortigas at P195,000/m2, prices came tumbling down to P171,250/m2 and P77,500/m2, respectively in the third quarter of 2002. It helps us create a budget – 1-2 months of listing expenses. Education. Sun Life Financial-Philippines Foundation, Inc. Sun MaxiLink Dollar One is a dollar-denominated, investment-linked life insurance product that lets you boost the value of your dollars by investing into global funds. And he’s ready to work hard for it. Buffet GC worth 10,000. Pinoy Pop group BGYO, Original Soundtrack Princess Janine Teñoso, and indie singer-songwriter Johnoy Danao are coming together to help usher in the holiday season through “ Wish Upon A Sun ,” a free concert presented by Sun Life Philippines in partnership with Wish 107. Also, the SUNPIOLOGY Virtual Race will cover longer. 1. It’s not enough to know that BTID comes with advantages. Despite the lockdown and restrictions brought upon by the pandemic, Sun Life of Canada (Philippines), Inc. From getting started with simple and affordable protection plans, to building funds with investment-linked products to fulfill life goals. Say you earn PHP 18,000 net, stash away 1,800 in a separate bank account. Sarah is at the forefront of Sun Life’s latest campaign dubbed Partner for Life, together with her husband Matteo Guidicelli, who is a long-time Sun Life brand ambassador himself. “This new fund is suitable for clients with medium to long-term wealth accumulation goals such as preparing for retirement. A coordinated, community-based approach is essential to hold back the rise of diabetes in Asia, according to a new report from Sun Life Financial Asia, in light of World Health Day 2019. Here are 3 simple money management tips for our top financial concerns: 1. Set aside. Do not hesitate to ask a financial advisor to learn more and choose the best insurance that will. Pay your debts. The SUNPIOLOGY Virtual Race will happen from 21 November 2020 to 21 January 2021. The Sun Life Prosperity Dollar Starter Fund aims to generate consistent and stable returns for your US dollar investment, potentially exceeding those of traditional bank deposits and money market funds over time . Buy life insurance. GoWell Studio offers top-notch content such as follow-along exercise programs, guided meditation sessions. December18,2020. BELIEF: Money is the root of all evil; hence, it’s evil to be rich. It also helps in weight loss, eliminates wastes from your liver and kidney, fills you up, curbs your hunger and cravings, and flushes out toxins from your body. Now streaming as a podcast on Spotify, “Lovenotes” will once again inspire listeners, new and long-timers alike, with more stories and pieces of advice to share. Your goal is to get an accurate idea of how much money you really have. 1 life insurance company in the Philippines, after garnering Php 45. Coverage until age 100. The fund can be availed for the following Sun Life investment-linked insurance products: Sun MaxiLink Dollar One, Sun FlexiDollar1, and Sun FlexiDollar, the insurer. As a Partner for Life, Sun Life offers different product solutions to safeguard your wealth, whether for yourself, for your family, or for your business. When you start running a household, there's. Slow down the absorption of dextrose in small intestine to prevent too much glucose after meals. Face Amount. Your credit limit signifies as to how much you can charge to the card. Sun Life Financial Philippines offers this second series 'Moving Up' focusing on effective family financial planning strategies. December 21,2020. I am so happy and grateful now that I make PHP_____ per month. H ealthy Diet. Fund managers will know what to do during crisis. In the same breath, Sunshine values the lessons of 2020. Selling food and drinks like halo-halo, lemonade, popsicle, and baked goods. 98) One (1) raffle entry for a chance to win PHP50,000 worth of Abenson/ Power Mac gift certificates or Sun Life Prosperity Cards. The value of the Sun Life Prosperity Card can potentially grow over time, making it a more meaningful present. Raffle. And you can only do it by putting your money in a high-yield investment product like Sun Maxilink One or Sun Flexilink1. You wouldn’t score points without your team mate watching your back. 2. save – invest – save – invest. Exciting rewards await Sun Life Prosperity Funds investors who will invest or accumulate at least PHP500,000 (or USD10,000) in participating Sun Life Prosperity Funds between 03 January 2018 and 28 December 2018, close of business day, under Sales Load Option B (back-end sales load). Be mindful of how money is spent. “In the past global health scares, we saw global equities rally 3. Picture how you see yourself in your golden years. “This is a good indicator that we are raising a more financially-prepared generation,” Pama said. Gifts are a customary way to show love, thought, and appreciation for others during the Christmas season. once again flexes its dominance in the Philippine life insurance industry by ranking No. Tel. And so Ms. The holiday season in the Philippines is a time of extended celebration, but due to the rising prices of almost everything sold at the supermarket, it’s easy to feel overwhelmed. Estate planning. Happening virtually from October 14 to 15, the summit will feature 36 experts in personal. has revealed its sustainability agenda as a commitment to helping Filipinos achieve the freedom to live brighter. Set your financial goals. The Sun Life Prosperity Achiever Fund 2028 is a target-dated mutual fund that aims to generate long-term capital appreciation through a portfolio that shifts from aggressive to conservative as the Fund approaches its target date. In time with the Philippines’ celebration of its independence this June, Sun Life of Canada (Philippines), Inc. Here are some actionable and specific investment tips I would give to young professionals now. A Message from our CEO & Country Head and Chief Sustainability Officer. Operating as a fund-of-funds, the Global Opportunity Payout Fund will invest primarily in a mix of foreign currency-denominated, income-generating, and capital-appreciating financial assets, allowing. The Global Opportunity Payout Fund can be availed for the following Sun Life investment-linked insurance products: Sun MaxiLink Dollar One, Sun FlexiDollar1, and Sun FlexiDollar, the company said. Whether 2022 posed victories or hurdles for you, 2023 is a great time for renewal, bursting with opportunities and potential to do better and solidify your wins. Just say: “I don’t have the budget to go out this weekend. Sun Maxilink Prime. Look for courses or seminars that can help enhance your knowledge and skills. Reid Hoffman, Co-founder of LinkedIn and Ben Casnocha, Entrepreneur and author of The Start Up of You says “. September 01, 2022. The computations assume the following: Average return of Sun Life Prosperity Bond Fund (low risk) - 4%. A single mom, Joanne decided to go back to the Philippines after working in Dubai.