Efren Ll. Cruz

Efren Ll. Cruz

35 Articles Published | Follow:
The phantom child
Protecting and growing wealth during high inflation

Managing finances during high inflation

Inflation anxiety
Pera, pera ‘lang’ 
Shared small matters bring more sustainability
And the best performing Philippine-invested equity fund is…
Why self-control alone fails in personal finance 
Why self-control alone fails in personal finance 
An optimist’s guide to investing in 2026