Indonesian Insurance Platform Development

Recently, I’ve been thinking a lot about whether to shift my focus from the Philippines to Indonesia.

After much consideration, I decided it’s better to avoid juggling too many languages and cultures that I can’t fully dive into. Instead, I’ll concentrate my energy and resources on Indonesia.
This way, I can stay focused and, at the same time, support my friend’s business.

A few days ago, I chatted with Robert and asked him about insurance companies in Indonesia.
There are so many: 

MSIG, Prudential, Allianz, FWD, Tokio Marine, AIA, AXA, Zurich, Manulife, Hanwha, Avrist.

I’ve already started developing the platform.

Right now, I haven’t decided on the platform’s name yet.
Maybe once it’s built, I’ll ask Robert for his opinion.

Daily Market — Sep 26, 2025

Good morning, mga ka-Martlemas! 👋 Kumusta ang Biyernes niyo?

Grabe ang takbo ng market kahapon — pagkatapos ng ilang araw ng katahimikan, naging choppy uli ang tubig.
So ngayon, September 26, ano ang dapat nating bantayan? Let’s dive in.

🌍 Macro Dynamics & Economic Indicators
Una, ang big news galing US: Lumabas ang latest Initial Jobless Claims at bumaba ito sa 218,000, mas mababa sa expectations.
Ibig sabihin, kahit unti-unting lumalamig, matatag pa rin ang labor market.
Para sa Fed, baka ibig sabihin nito they can take their time cutting rates.

Samantala, sa atin dito, ang USD/PHP ay nasa ₱58.18. 💵
Good news ito para sa OFW families, pero dagdag bigat sa gasolina, gadgets, at imported goods.

📉 Market Recap
Noong Thursday, Sept 25, Wall Street took a breather:
S&P 500 at Nasdaq parehong bumaba ng halos –0.5%, habang Dow halos flat lang sa –0.2%.
Hindi ito panic selling — more on profit-taking at pag-iingat. Para bang chess game: investors waiting for the next move, which is inflation data.

🔍 Where the Money Went
Kahit pula ang karamihan, lumipat ang pera sa defensive sectors tulad ng Utilities at Consumer Staples.
Halimbawa, Procter & Gamble (PG) — Safeguard, Tide — at Duke Energy (DUK).
Classic “flight to safety” play.

🖼️ Big Picture
The market is caught between Fear of higher-for-longer rates… at Hope for a soft landing.
Kaya wait-and-see ang lahat.

📅 What to Watch Tonight
Mamayang gabi, lalabas ang US PCE Price Index — the Fed’s favorite inflation gauge.
Mainit na numero = possible sell-off.
Malamig na numero = possible rally.

🎤 Closing Thought
Mga ka-Martlemas, sa ganitong choppy waters, time ba to buy the dip, o mas mabuting maghintay muna? Comment below!

At tandaan — every morning, two minutes lang, and you’ll always be one step ahead sa market.
Enjoy your Friday, kita-kits sa Lunes!

 

Daily Market — Sep 25, 2025

Good morning, mga ka-Martlemas! 

Tapos na muna ang party sa Wall Street. For the second straight day, nag-pullback ang market as investors lock in their profits.
So, ano ang key takeaways for today, September 25? Let’s break it down.


Una, sa Macro Dynamics. Ang dahilan ng pullback: sinabi ni Fed Chair Powell na ‘overpriced’ na raw ang stocks.

At isa pa... the US Dollar keeps getting stronger, putting pressure on Asian markets. Para sa atin, pabigat 'yan sa imports, pero panalo sa remittances.

So, kung puro pula ang market, saan napunta ang pera? Dito na papasok ang storya ng araw na 'to.

Una, Micron — naglabas sila ng solid earnings outlook dahil sa AI memory demand. At eto ang malupit: Kahit bagsak ang market, umakyat ang stock nila! Isang patunay kung gaano kalakas ang AI theme ngayon.

Pangalawa, Alibaba — nag-commit sila ng 380 billion yuan para sa AI at cloud, at may bagong partnership with Nvidia. That’s a clear signal kung saan dumadaloy ang smart money.

So, ano ang big picture?
Mukhang healthy correction lang ito. Pero ang totoong storya ay ang rotation ng pera: lumalabas sa broad market... pero dumidiretso sa AI-related stocks. Sila ngayon ang bagong safe haven.

This Friday, may lalabas na importanteng jobs data. Abangan natin ‘yan.

Mga ka-Martlemas, kayo ba... bibili na ng dip, o maghihintay pa? Comment below!

At tandaan — two minutes every morning. Walang hype, walang jargon. Pure insights lang, in Taglish, para sa mga Pinoy investors.

Kita-kits bukas!

 

Daily Market — Sep 24, 2025

Good morning mga ka-Martlemas! 👋

Grabe ang nangyari sa Wall Street!
Matapos ang record-breaking party nung Lunes (Sept 22)…
pause …biglang nagkaroon ng full stop at sell-off kahapon, Martes (Sept 23).

‘Yan ang aalamin natin! Let’s check!

Ang dahilan: si Fed Chairman Powell na mismo ang nagsalita — at medyo cautious ang tono niya. ✂️

Sabi niya, ang US economy ay may “two-sided risks”:

inflation pwedeng umakyat ulit,

pero labor market pwedeng humina.

👉 Dagdag pa niya: stocks are already “fairly highly valued.”

Dahil dito, umatras ang expectations para sa mabilis na rate cut.
At bakit mahalaga ito sa’tin?
Kung hindi agad mag-cut ng rates ang US, mas matagal posibleng manatiling malakas ang dolyar kontra piso.

Resulta? Pullback kahapon, Tuesday (Sept 23):

📉 S&P 500 bumaba ng 0.6%, closing at 6,570 points

📉 Nasdaq down 0.9%, closing at 22,135 points

📉 Dow Jones slipped ng 0.2%, closing at 45,796 points

👉 Normal lang ang ganitong pullback after a strong rally at record highs nung Lunes — parang paghinga lang ng market.

Tech highlight: Nvidia 🚀

Kahit bumaba market kahapon, ang AI theme buhay na buhay pa rin!
Noong Lunes, Nvidia announced a $100B investment sa OpenAI at AI infra.

👉 Habang bumabagsak ang ibang index, Nvidia’s bold move kept the spotlight on AI — pinapakita na kahit may volatility, tuloy-tuloy pa rin pumapasok ang big money sa AI.

Expect volatility — record high isang araw, pullback kinabukasan. Healthy lang ‘yan.

Focus on long-term themes — AI, infra, energy. Nvidia’s move is a clear signal.

USD/PHP stable sa 57.2 💵 — good timing pa rin for peso-to-dollar conversion kung papasok ka sa US market.

Mga ka-Martlemas, this week bantayan natin ang US PCE inflation report at jobs data — sila ang magbibigay ng clue kung kailan talaga magsisimula ang Fed rate cuts.

Don’t forget to Like 👍 & Subscribe 🔔!
At i-comment mo naman sa baba kung anong AI stock ang binabantayan mo ngayon.

👉 Kaya tutok tayo bukas mga ka-Martlemas — para lagi kang one step ahead sa market!