Angelina Domagtoy, AFP®, is an Operations Manager at SM Supermarket with more than 30 years of experience in the retail industry. Her financial journey began as a young girl saving in a small piggy bank and later depositing those savings into a junior savings account, a practice that taught her how discipline and consistency can create positive results over time.
Domagtoy’s financial mindset was strengthened through seminars with International Marketing Group, where she learned the importance of building a strong financial foundation through long-term healthcare, insurance, savings, and investments. As an investor, she has focused on properties, condominiums, and company savings that provide dividends, while maintaining a low-key lifestyle centered on needs, discipline, and long-term retirement preparation.
AFP® Certification Story
Early Discipline Through Piggy Bank Savings
“As a young girl, I started saving in a small piggy bank and harvested all my piggy bank savings to deposit into my junior savings bank. This small practice taught me that discipline will give you good results along the way.”
Learning the Value of Consistency Before Retirement
“Consistency and discipline will help you build your wealth before your retirement.”
Financial Turning Point Through IMG Seminars
“I learned a lot when I attended a seminar in International Marketing Group. It taught me how to build a strong financial foundation, including building my family’s long-term healthcare, insurance, and investment.”
Becoming an Investor Through Properties and Dividends
“I am an investor. At the age of 45, I invested in properties, condominiums, and company savings that give me regular dividends.”
Best Financial Advice from Her Grandmother
“Save first before you spend, from my grandmother.”
Living Simply and Prioritizing Basic Needs
“I spend only on basic needs and stay low-key even if I have enough savings.”
Careful Investing with Long-Term Capacity in Mind
“None. I invest, think, and ensure I can pay it long term.”
Balancing Risk and Reward Through Affordability
“I only invest what I can afford to lose. Investing in condominiums gave me the ability to earn and pay my amortization, making my investment self-liquidating.”
Current Retirement Goal Through Passive Dividend Income
“I want to retire earning an average passive monthly dividend income of ₱50,000.”
Motivation for Joining the AFP® Program
“Seminars and coaching gave me the opportunity to learn and plan my finances more.”
Better Investment Decisions Through Understanding First
“It helped me understand first before making or going into long-term investments.”
Most Valuable Lesson from the AFP® Program
“Planning, knowing wants versus needs, and prioritizing savings before spending.”