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First time investor need advice

Mhaarrkk · 19 · 6041

Mhaarrkk

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on: Sep 19, 2014, 03:13 PM
Good day mga sir, first post ko lang to dito sa forum. Kakajoin ko lang din. Gusto ko lang po humingi ng advice kung anong best suited para saken. Any advice may do. Im 21 year old and I have a regular job. My monthly income is around 20k. Pag binawas lahat ng gastusin bali mga 5-8k na lang ang matitira. Gusto ko po sana palaguin ang pera na maiipon ko kada buwan. Patulong naman po kung anong magandang investmesnt. Nagbasa nako about sa MF, UITF and VUL. Pero di ako makapag decide. Kailangan ko talaga ng advice from experts here. Salamat po sa magrereply.


DonT

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Reply #1 on: Sep 19, 2014, 03:20 PM
Open an EIP...then invest in UITFs. Or better yet Blue chip stocks. Then forget about it.

Since you are still young. Focus more on how you can upgrade your Skills and Talents. In time, your extra cash for investing will be more.

At this point in your life, invest more on yourself so that you can maximize your active income.

Later, when you have already a substantial amount of savings, then you can spend more time in maximizing your passive income.


Mhaarrkk

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Reply #2 on: Sep 19, 2014, 03:32 PM
Open an EIP...then invest in UITFs. Or better yet Blue chip stocks. Then forget about it.

Since you are still young. Focus more on how you can upgrade your Skills and Talents. In time, your extra cash for investing will be more.

At this point in your life, invest more on yourself so that you can maximize your active income.

Later, when you have already a substantial amount of savings, then you can spend more time in maximizing your passive income.



So you mean po hindi muna ko dapat pumapasok sa gantong kalakaran? Gusto ko lang kasing makaipon para pagdating ko sa tamang edad may sapat na pera nako. Kung magiipon lang ako baka maliit lang ang maging pera ko. Pero kung yan talaga ang advice nyo ok lang po. Any other ways po aside frome those?


DonT

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Reply #3 on: Sep 19, 2014, 04:58 PM
So you mean po hindi muna ko dapat pumapasok sa gantong kalakaran? Gusto ko lang kasing makaipon para pagdating ko sa tamang edad may sapat na pera nako. Kung magiipon lang ako baka maliit lang ang maging pera ko. Pero kung yan talaga ang advice nyo ok lang po. Any other ways po aside frome those?
Read the 1st sentence of my post. Thats what i suggest you do with 5 - 8K monthly. Then you do not have to waste time thinking what to do with it.

Of course there are far more profitable ways...but at this stage in your life...better learn first hand how businesses and companies work. So that in the future, when the time comes, you have a very good idea of how big companies operate.

In my mind, i suggest you try to earn more from your job. So that you can have more money to invest later. If you focus your energy too much on the 5K pesos monthly savings...it will be difficult to make it grow as faster.


Mhaarrkk

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Reply #4 on: Sep 20, 2014, 07:34 AM
Salamat po sa advice. I know bata pa talaga ko. 1 year pa lang akong nagwowork. Di pa malaki income ko. Pero susundin ko po yung payo nyo. Kikita ba yung inopen kong UITF kahit wala akong ginagawa dun?


darkknight

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Reply #5 on: Sep 20, 2014, 12:20 PM
Good day mga sir, first post ko lang to dito sa forum. Kakajoin ko lang din. Gusto ko lang po humingi ng advice kung anong best suited para saken. Any advice may do. Im 21 year old and I have a regular job. My monthly income is around 20k. Pag binawas lahat ng gastusin bali mga 5-8k na lang ang matitira. Gusto ko po sana palaguin ang pera na maiipon ko kada buwan. Patulong naman po kung anong magandang investmesnt. Nagbasa nako about sa MF, UITF and VUL. Pero di ako makapag decide. Kailangan ko talaga ng advice from experts here. Salamat po sa magrereply.
Save at least 10% of your monthly income regularly...that's 2k a month. Deposit that amount in the bank.After 5 months of saving,your 2k will become 10k.Continue saving until you have 120k. That 120k will be your " EMERGENCY FUND". Continue saving then attend  seminar by COL Financial, open an account called EIP. After that ,study & learn " HOW TO MAKE MONEY IN STOCK MARKET.


Mhaarrkk

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Reply #6 on: Sep 20, 2014, 12:37 PM
Save at least 10% of your monthly income regularly...that's 2k a month. Deposit that amount in the bank.After 5 months of saving,your 2k will become 10k.Continue saving until you have 120k. That 120k will be your " EMERGENCY FUND". Continue saving then attend  seminar by COL Financial, open an account called EIP. After that ,study & learn " HOW TO MAKE MONEY IN STOCK MARKET.


Kasali po ako sa isang Coop sa company namen. Every payday may naiipon akong 2k doon. Bali 4k a month. Mas maganda ba kung lakihan ko na lang ang hulog ko dun? Gawin kong 6k a month for example. Then pag lumaki na tsaka ako mag iinvest. What about that?


Vicky

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Reply #7 on: Sep 20, 2014, 07:30 PM
Hello Marrk, I like your post and you as well as a person. At a young age you are thinking already about your future. Follow the advice of DonT. First, you are really interested in stocks, invest in gaining knowledge. The most important thing is save for the future and invest. Kahit maliit ang kits basra marunong lang humawak ng pera , thats well done. Live below your means. cheers


Mhaarrkk

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Reply #8 on: Sep 20, 2014, 08:34 PM
Hello Marrk, I like your post and you as well as a person. At a young age you are thinking already about your future. Follow the advice of DonT. First, you are really interested in stocks, invest in gaining knowledge. The most important thing is save for the future and invest. Kahit maliit ang kits basra marunong lang humawak ng pera , thats well done. Live below your means. cheers

Salamat po! Bali ang napagdesisyunan ko ngayon is magiipon na lang ako sa coop namen. Maghuhulog ako ng 6k every month. So when the time comes na marami nakong alam sa pagpapalago ng pera and Im also at the right age, siguro may sapat na ipon nako nun para mag invest. Maraming salamat po sa mga adivice nyo! I'll keep on reading some posts on this forum to enhance my knowledge on investments. Thanks again and more power!


ferrariEverest

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Reply #9 on: Sep 20, 2014, 08:54 PM
Mhaarrkk, balitaan mo kami 6-24 months mula ngayon. Sigurado marami ka ma-iinspire dito.


Mhaarrkk

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Reply #10 on: Sep 20, 2014, 11:08 PM
Mhaarrkk, balitaan mo kami 6-24 months mula ngayon. Sigurado marami ka ma-iinspire dito.

Aww. Ako ngayon pa lang naiinspire na sa mga nababasa ko dito. Naniniwala nako na kayang yumaman ng isang pinoy kahit di na mangimambansa. Pag nakaipon nako. Babalik ako dito para humingi uli ng advice sa inyo.


bauer

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Reply #11 on: Sep 21, 2014, 11:00 PM

Kasali po ako sa isang Coop sa company namen. Every payday may naiipon akong 2k doon. Bali 4k a month. Mas maganda ba kung lakihan ko na lang ang hulog ko dun? Gawin kong 6k a month for example. Then pag lumaki na tsaka ako mag iinvest. What about that?

Do not put all (or most of) your eggs in one basket.  It's a very high risk investing approach.

First, save an emergency fund (6 months to 1 year total of your monthly salary).

Second, invest your time in studying how to trade in public stocks.

Third, secure a life insurance for yourself.  Your young age is a great advantage due to low premiums.

Fourth after securing a sufficient knowledge in stocks, start a low amount trading account.

Fifth, while waiting for confirmation of your trading abilities (it might be 2 to 3 years), invest your spare funds in a high quality corporate bond fund, treasury bill or time deposit account.
« Last Edit: Sep 21, 2014, 11:01 PM by bauer »


INDO

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Reply #12 on: Sep 21, 2014, 11:38 PM
Do not put all (or most of) your eggs in one basket.  It's a very high risk investing approach.

First, save an emergency fund (6 months to 1 year total of your monthly salary).

Second, invest your time in studying how to trade in public stocks.

Third, secure a life insurance for yourself.  Your young age is a great advantage due to low premiums.

Fourth after securing a sufficient knowledge in stocks, start a low amount trading account.

Fifth, while waiting for confirmation of your trading abilities (it might be 2 to 3 years), invest your spare funds in a high quality corporate bond fund, treasury bill or time deposit account.

^agree.



brians

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Reply #13 on: Sep 23, 2014, 03:28 PM
dont forget you should also plan for your retirement


bauer

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Reply #14 on: Sep 23, 2014, 04:06 PM
^ Investing is planning your life and it includes retirement.


 


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