Which Investment Instrument Ang Meron Ka?

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May Trust Fund ako sa East West Bank. Halos pareho lang ito ng Time Deposit pero mas mataas ng konti ang interest.

Balak ko bumili ng Government Securities sa Land Bank (Treasury Bills ang kaya ko). Ang minimum investment required dito ay P100,000.

Sa ngayon hinihintay ko lang umabot sa P100K ang trust fund ko (malapit-lapit na)sa East West Bank tapos ililipat ko ito sa treasury bills.

Mas safe kasi ang Government Securities dahil guaranteed ito ng Philippine Government. Di nga lang kalakihan ang interest dahil nga risk-free.

Mas mataas ang risk, mas mataas ang interest.

Gusto ko matuto sa stocks investing, paano ba?

hi the_walrus

i have stocks thru the bank - real time trading, kailangan may time ka to monitor the movement kung low or high yield ang price ng share mo - kasi kung high ibenta mo agad ang shares mo para kumita kaagad, you can state your target limit at kung may bumili agad sold na otherwise 24-h time ang business transaction pag hindi nameet ang target limit mo walang sale or buy. kahit sold na have to wait couple of days to transfer money in the running account or it will be placed sa depot where you can handle stocks right away!
It is important to monitor yours stocks and see the index of the shares or options you want to buy, read the current information, kasi daming speculators, you have to check the options you choose, read mo ang yield report, at saka doon sa chart when you handle stock shows the graph sa current selling and buying prices and you can decide if you want to buy and nakita mo na iyong current selling price is high, tapos biglang bumaba iyon lang risky pero tumataas din naman pero minsan parang pagong. At the moment, stable naman, pero risky pa rin, better to invest money you can afford to lose kung sakali lang naman. Kung gusto mo naman hayaan mo muna wag kang magpapanic minsan bayaan mo munang matulog ang pera mo, kapag tumaas ng konti at you are satisfied sa selling price eh ibenta mo agad.
Try first sa small scale options, f.ex. buy 5 shares in the beginning and play with that on buying and selling, in case you lose maliit lang and if you win maliit din.

- Lea

I haven't experienced how to invest in STOCKS yet but I have bits of knowledge about it. Medyo hilig ko kasi magbasa ng books at kung anu-ano pang babasahin about business and investment eh. And before the year ends, I'll practice what I know na din. That's the reason why I created this forum diba? We'll practice Real Estate Investing as a team.

Anyway, in order to learn how to invest in stocks mas maganda kung diretso ka ng pumunta sa isang stock broker or sa PSE mismo para magpaturo ng basics on how to buy and sell individual stocks here in the Philippines and abroad and index funds or ETF's (though I don't know kung meron tayo nito dito sa Pinas). Kung gusto mo sabay tayo punta sa isang broker to learn more.

Hi Czekloy, Iba sa theory at sa practice.
5-6 years ago, noong una akong magtry, no experience ako sa stock exchange, bumili lang ako ng shares sa trust funds and mutual funds parehong palpak, talo ako ng 20K gradually, siguro 2 years iyon kahit naghintay ako, kasi di ko kasi naiintindihan kung paano iyon movement sa stock exchange, anyway, naggain naman ako ngayon x20 or mahigit, pero dahil wala nga akong time magmonitor, kahit tumaas ang rate ng shares ko, maghihintay uli at doon ako walang tiyaga. anyway, ngayon naiintindihan ko na, self learn, no books, meron din kaming course on how to learn stock exchange dito sa company ko, pero iba talaga ang nasa arena ka where the action is - sa procedures you get that from books, pero ang real experiences is more relevant and important dahil you learn to make decision quickly right there, or you have to wait for awhile kapag nalagpasan mo ang opportunity.
I can use trader instead of netbank. With their own web-solution you can check your shares or deal shares in real-time basis too, Sa bangko ay 1 bankday validity - pero ang deal is real time so you get results right away, sa banko libre meron din konting fee, pero sa stock exchange may bayad iyon kahit gamitin mo or hindi you have to pay monthly iyon lang ang difference at saka I prefer bank kasi di naman ako professional Sa stock exchange ay talaga maraming choices, there you can check in real time the up and down of the current rate of your market security. - pero sa banko real time din - pero may 24 hours validity lets say di mameet iyong rate limit na condition ko, di walang sale or buy disposition iyon. Meron din akong order surveillance.

diko alam diyan sa atin, pero dito, you can subscribe in stock exchange iyon sa akin bank madali at real-time din pero 15 minutes delayed, pero sa stock-exchange talagang real time but you have to pay at low cost. Sa ibang banko naman dito kailangan mo rin magbayad, at saka ang hirap gamitin ng systems nila.

The main page contains rates information about those different market securities, trade securities, and so on.

The news in stock exchange updated continously.

If there is no activity in your page you will be logged out etter 5 minutes. You have to give in your personal id and pincode to get in.

Like today, I have 3 securities in my order one is to sell my 200 shares, and the other are the shares that I bought - 250 shares and 100 shares each with different quoted securities ang validity 1 bankday I can pull the trigger let’s say something happen sa market pwedeng i buy ko sa current rate or otherwise no buy or sale kung di mameet ang rate limit ko, and I can delete din anytime as long nakalagay pa ito sa order list ko babalik uli ang pera ko sa stock depot ko. (see image below)
I can't paste the image here ?!

And good luck for both of you, guys!

Hi there Lea!

Thanks for the wonderful info. Malaking tulong yan. I know naman na medyo nag-iiba talaga ang books sa actual experience. Sabi nga, you can't learn how to ride a bicycle by merely reading a book. BUT, the fundamentals are learned from books din. Mahirap din naman sumugod sa isang gera na wala kang fundamentals about it. Malaking tulong din ang pagbabasa kasi in a way you learn other people's experiences na pwede mong maiapply on your own or maiwasan ang pagkakamali nila.

As I've said dati, hindi lang din naman natatapos sa pagbabasa dapat. Reading is pointless kung walang planning and execution. It is impossible to know everything about something. In our case, investment. Pero it is better if you've learned the fundamentals. Iba pa din yun.

Congratulations sa pagiging investor mo. I wish you all the best!

Hello everyone:

It appears my portfolio is a conglomeration of all the choices except for mutual funds. I see no reason to add mutual funds inasmuch as they are already included in a managed account lodged with TransAmerica.

I'll admit I'm much older than any of you. And retired. Took early retirement (56). Anticipating an early retirement, I made sure that my contribution to the company 401K was weighted heavily towards that.

At retirement, sat down with my Financial Advisor and mapped out my financial needs for the rest of my life, the life style I wanted to maintain and how much I would need to maintain that life style. At his recommendation I transferred all of my 401K into two accounts into a TransAmerica annuity program.

That annuity program has since been discontinued but those who were in it, were guaranteed a lifetime quarterly interest payment of 6%. The best part of the guarantee is that it is for life even if you spend down the amount transferred to it.

I look forward to my monthly social security which will be serve as daily maintenance for the life style I have chosen. Except for annual real estate taxes, my mortgage is paid off. When I turn 62, I will then turn around and take advantage of a government-sponsored program called reverse-mortgage. That will add to my liquidity and also maintain the mortgage-free status.

Since my personality is to be aggressive in financial undertakings, I have carefully added a few online investments that are currently paying nice returns. When I say carefully, I mean I invest only disposable income which I can do without. Fortunately I have seen nothing but good returns in those online investments. But I won't be greedy and will stay only where the calm waters are.

Thanks for reading.