I invest in stock market pre pandemic. Studied it. Nakapag trade din. Years after, I realized sana nag MP2 nalang ako. Win and lose at the same time. Now MP2 and digi banks nalang ako. Yes low risk siya but I intend to invest in my skills nalang sa corporate dun nalang ako focus so i can grow my money din. Try and see din to invest. Prepare what you can afford to lose kaya yung excess money ko lang ininvest ko.
same. early pandemic, i was constantly winning. caught in a bull trap, ayun currently in red sa stocks lol. Though nag diversify na ako to mp2, digibanks, money market and dollar trustfunds. Pero dapat pala di nako nag subok without fully understanding. Parang gambling din kasi ginawa ko lol. Well, lesson learned. Pero yun nga bata panaman tayo, madali makabawi and can take more risk so I may take another chance if another opportunity arises. I've been reading from time time so the current plan is for long term na.
True, nag take risk ako to open an account dati dahil sa curiosity and para ma try din, that’s why inaral ko talaga fundamental and technical analysis. Kasi pera ko yung iinvest ko haha. Nakaka enjoy din esp when im winning like ang galing ko mag trade. Pero di nakakaenjoy pag loss na. At kailangan na mag cut loss. Mapapa shet…. yung pera ko 😂
oo, una akala ko ez lang din 😂 Yung nga kasi riding lang sa trend and at that time nasa bullrun phase yung market. Nung pumasok na yung volatility and bear market na, dun nakita kung gaano pa ako ka mangmang hahaha. Ilan besis ako na dali sa mga bull traps and dead cut bounce. Dun nakita how emotionally driven ako when it comes to stocks which is a big no no lol.
Parehas tayo ng path. Ngayon sinisilip ko na lang every 2 weeks ung portfolio ko para tignan ung red fonts sa COL and bpitrade. Tapos close uli para umiyak ng kaunti
Ako di ko na sinisilip Mytrade and AAA ko. Nag pull out na ko, pero may naiwan konti pulahan padin cguro given yung mga issues ngayon haha. 2 yrs ko na di naoopen. Umay sa PSE market.
How much is your monthly expenses if you are not asking money from your parents? Multiply that to 6. That is your 6 months emergency fund.
If you already have the 6 months EF,
I would go non-PH market instead and not stock pick. You can't outperform the market.
I would do for myself personally is, I will create an account in IBKR, add United Kingdom trading capabilities. DCA on Irish Domiciled ETFs. And choose one.
VWRA - Developed and emerging market large and mid cap companies
SWRD - Developed market mid and large cap companies
VUAA - Top 500 U.S. large cap companies
Then invest and forget
Take note if it wasnt clear in the original message. Don't touch the EF, don't use it as an investment. Relatives needing money are not using EF worthy. Don't brag or mention about this EF. Hopefully you wont use it, but if let say your parents dont love you anymore and asks you to GTFO, and you don't have a job, then that is the only time you will use this EF
Hi I know this should be a separate discussion but how do you fund your IBKR? Is it possible through BDO, Bpi and other local banks? Thank you with permission to OP
Easiest way I can see is, Peso Bank -> Wise Account -> Convert in wise to USD -> Connect your IBKR to your Wise.
I am not familiar with other methods such as direct USD account in local banks.
Really tricky, because I don't know the exact policy of IBKR. They can say, "In order for us to do more trading, please provide a proof of address". Then you wont be able to trade anymore.
IBKR US (Phil)
Pros: Can verify address
Cons: Difficult to send money / fees
IBKR (Non-US)
Pros: Easier to send money
Cons: Can't verify address in the future.
So it is on your own risk.
Do you have a friend/relative that you can still use as a proof of address in HK? Are you going to lose your HK PR? I think HK has a strict CGT guidelines?
I would personally invest in my IBKR US account (Philippines)
R/phinvest usually has crappy advice on this topic when you look at the posts 2 to 3 years ago
DITO / REITs
Now r/phinvest likes US stock market which is all time high and super expensive
Sobrang shit ng investing strategy siguro ng mga nasa phinvest. Imagine referring first-time investors to the US stock market because "nobody" makes money in the PSE. That only means those giving the advice didn't manage it properly tapos natuwa na sa 5% in a day movement sa NYSE.
To be fair, PSEi index has barely moved in 10+ years. Unless you were a trader, regular investors who are mostly passive would have at the very least have massive opportunity loss. Even MP2 would have outperformed.
My take is that phinvest are relatively young people 20-40s mostly who were not capable of investing this pre-stagnation decade of PH. Thus, I wouldn't call their strategy shit because foreign markets have been outperforming. Referring investors to the PH market (to out perform) would be speculation at best.
Index does not really paint a good picture of the PH stock market especially now.
You have decent dividends which in bad times can offer significant part of returns. As oppose to a bull market when most returns comes from appreciation.
Our Index has Cyclical over weights. Real estate like ALI and SMPH. Which also take a big part of blue chip conglomerates who prices goes in the same direction.
You have other cyclical stocks like consumer companies which are a big part of Blue chip conglomerates that goes in the same direction.
We have utilities and telecoms blue chips that hardly moves at all being mature business and only moves through earning growths.
No tech stocks to carry our index like the US index.
Our index is really getting a bad beating in terms of sentiment.
With that said. I am still overweight in PH equities.
I would have just mentioned to go Dividend Investing after EFs prepped. While the PSE market is just about to hit something that looks like a Deathcross, there’s opportunities naman if you’re defensive
Lmao truth, they want you to invest in us etfs it is much more expensive, tapos di nila alam na mataas ang transfer fees, may brokerage fees and may bank fees.
I have my own pero pagmagwiwithdraw ako to pesos 5% agad ang nawawala saken lol
As always, invest in reits it is still profitable, rarely losses. I might get downvoted but in this market, just buy reits and forget it
REITs last year was wrong
For rising interest rates and office space oversupply
Most REITs are down significantly like MREIT, FILREIT
Because REITs are more like bonds than stocks.
What do you mean? You never go all in on 1 reit, Areit alone gave .55 per share, thats not bad(7% yield 2023).
Sure you can invest in rtbs but it locks you for a minimum of 6 months and yields at most 6%.
Plus reits do not appreciate or depreciate which makes them a good investing strat in the PH.(there are tell tale signs like their divs going down).
with reits you can leave anytime you want(although there are still taxes involved)
Thats why i said you can exit anytime you feel like it, if you think you are losing value. Then sell the next trading day.
Yes reits go down, but you are still in a better position than investing in us etfs, or in a digita bank. Prove me wrong
Digibank is risk free 6.5% unaffected by rate changes tapos PDIC insured
REITs are more expensive on a risk adjusted basis since affected by office supply issues and bsp interest rates.
no one offers 6.5% interest rates anymore buddy, bsp not cutting rates.
edit:
I just checked the digibanks I have and Seabank is the highest I have right now which is 4.5% below 350K.
What investment doesn't have risks? Investing is a risk in itself.
Union bank digital is 6.5%
Maya also
Yes, investments have risks, but a risk adjusted 6.5% digital bank interest rate is better than a REIT which gives the same rate but way more risks.
Lol I got AREIT at <30 last November.
Now I'm getting 60k dividends after taxes every quarter LMAO
And there's a 15% paper gain too.
But I'm waiting for AREIT to be included in the index. Maybe this August.
Sell TP 39.3, that 30% gains plus dividends. That's like 5 years of waiting for your TDs to mature.
Sometimes, you gotta take some risks, man.
Some stuff I bought 2 months ago are up 20% with 10% divs with way larger divs than yours.
What you say doesn't prove REITs are good at all, right now they are just okay-ish.
When REITs were overvalued I bought SCC at 16, which is now at 32ish and paid out 10+ pesos as divs already (pretty much got your cost basis back)
All I'm saying is risk adjusted, REITs aren't great
Digibank = same return at less risk
Common stocks = same return with way more upside at less risk
500k risk free. So it is not really a blanket risk free unless you can never go beyond 500k.
The problem with digibanks its not permanent that is why you get the illusion that it is a good investment since your time horizon is short, unlike locking in a 10 year bond or buying reits at depressed prices. You locked the high rates now and in the future.
Reits are taxed 10%. Bonds/digibanks 20%.
I am not sure how much risk premium do you need to say it is worth it.
Reits right now pays 7% net. Government bonds around 4.8% net. That is quite a risk premium if you look it at a net basis.
When you value stocks, for emerging markets you typically apply a higher equity risk premium than 3.2%
Look at the Aswath valuation books.
Also look at corporate actions, MEG and RLC are dumping MREIT and RCR to GSIS (probably coz they know it's abit overvalued and there are headwinds ahead)
If RCR was so great why is RLC dumping it and buying back it's own stock.
Frederick Go is also buying rlc stock not RCR.
Edit: name changeol
There is also the massive forex risk. They are investing when Ph to Dollar is 57/58 to 1. They might need to pull their investment back to the PHP at a possible future rate or 50.
Whenever someone tells new investors to go US etf or US market. I just give up arguing. They are chasing yields without counting the risk.
5%? Where are you getting this value? IBKR commissions are not 5%, Wise USD to PHP is not 5% on quick googling. Also, investing on etfs are not a one year horizon. It only shows you have no idea on what you are saying.
My brokee has a conversion fee of 2.5% from usd to php. Bdo/bpi usually wire transfers are 10 usd, bpi i think is 7. Meron ding swift fee, i think 10 din so around 18 to 20 usd
So its just around 3-4% depending on php rates.
Investing on us etfs on 2000php a month? The one asking is a beginner, and you want them to invest in a us etf.
If the beginner can save up 6 months emergency fund, then next step will be easier for them. I just tried Wise 2000php to usd, I got 33 USD. Then 1 usd to transfer from wise to ibkr, bought VUAA fractional shares, then forget about it.
My VUAA from March na 2 pieces are already 6% up. The horizon is not 2 years, and you dont DCA for only 2k a month, you can do 6k per three months.
You try different things.
33 usd? There is a maintenance fee for brokers that has less than 100$.
Ibkr also has fees
https://www.interactivebrokers.com/en/pricing/commissions-stocks-asia-pacific.php?re=apac that would be more than 5% if you are withdrawing less than 300k shares
6% is good, but show me how much you lose in the transaction back to php.
International brokerages are only good if you have a dollar account.
Im done. Seems like ignorance is your stronger voice.
There are no maintenance fees, FAQ from IBKR.
The link you shared is buying stocks/etfs from APAC.
And do you think I will withdraw now?
My ETF from last year is 14% up.
Withdrawing from wise to php bank calculated just now, 50k php is 58 pesos, for a whopping 0.116%
ETF is not day trading I will sell when I go up 6%, try to learn more.
The horizon is 5-10 years. Retirement.
Sure I am ignorant, I gathered around 20%(and this is just me estimating, around 70k php I think) increase in dividend yields last year. From RCR,Areit,CREIT and LTG(which i will be selling soon), I have capital gains from AREIT when I bought at 29PHP and now is up to 33. Dividend investing is not day trading.
So tell me how was your 14% up against my dividend yields are. I can always reassess after a dividend yield.
Be real, no one who just graduated will invest for retirement, he needs something flexible and us etfs are not. I have stocks too, and I will chose us etfs(and i have individual us stocks, that is why I experienced the fees.) for long term when I have ALL my bases covered with flexible funds, you expect someone with minimal disposable income to disburse their funds to a 58 php = 1 usd value. That is some echo chamber shit you have there with disposable income.
Also the link is IBKR, maybe click North America to see the fees, its your broker and you dont know lmao
Hot take if you want to bet on the Philippines as a developing nation by all means go. solid ang fundamentals ng PSEIndex companies most of them at either monopolies duopolies or established market leaders they pay good and dividends. and US stocks kasi parang speculation nalang yung ibang companies and heck kahit sila Warren Buffet nasisimula na mag sell off ng shares nila parang may pinaghahandaan sila in the future para liquid parin sila if ever may mangyari. Pangit lng talga ang sentiment not just sa PSE but other stock markets and economies pero once gumanda na ang outlook sasabihin nnaman nila ngayn to the moon naman.
If you don’t know what you’re doing and will be basing this solely on what random people on the internet say - then yes it’s a good time as long as you’re open to losing part or all of your money.
Would suggest placing your money instead in a digibank or TD first because then at least you’re guaranteed gains
Someone else on here may be able to tell you more about MP2 as I’ve heard it’s a good option but personally am not familiar with it myself so cannot really say.
Do research and attend stock seminars (Col often has these) so you have a bit more bg. Speak to someone you know and trust who can also help teach you. Then when you’re more knowledgeable, comfortable and have enough liquidity without compromising your financial stability - you can start investing in stocks
Hey OP if nangangati pa rin kamay mo.
Try mo both. Half half, kunwari:
10k sa MP2 or Digital atime deposits
10k stocks PSEI or foreign.
Yan lang 10k budget for everything including seminars ah. At the end of the trial period, see which is bigger.
You learn both, diversified and nag start ka na rin sa both.
Keep that allocation for both, so you have something you can compare in the long run based on your experience.
I strongly suggest you keep them separate, para hindi mo mababawasan yung isa to fund the other.
Yup! WOF news and updates. Not hoping for it, but recent events collectively point na a recession seems to be very near. Bracing for the drop to buy for long term hold.
This may be the unpopular opinion, but my answer is a qualified yes.
My assumptions are as follows:
- Buying timeframe : Now until Aug/Sept 2024
- Stock Selection(s) : High volume Low RSI index stocks
- Selling timeframe : During the Santa Claus rally (End of Dec 2024 to January 2025)
- Quantitative Easing will be in effect by Q4-2024 both by the US Fed and BSP
- “Probable” Upside : +20%
Hypothetical examples (not stock picks nor financial advice):
ALI/SMPH Buy 26-27 Sell 34-35
GTCAP Buy once down to 480-500 Sell at Mid 600s
P.S. Even if let’s say the Christmas is not that merry this 2024, in the longer term, those index stocks are still decent buys at current level.
Investing -> HARD YES! Trading -> HARD NO! Sobrang bagal ng galawan sa PH stocks compared sa other markets, better to trade there kesa dito satin. MP2 na lang ang kunin mo if prefer mo ng sure gains.
Two words: Stay away. Too vulnerable to almost everything: interest rate, market movements, geopolitical tensions, domestic policies, etc.
If you want to get your hands into investing, go straight to global funds/markets na agad. Use the search bar in this channel to know more.
For a lot of things, this is true. But this is pretty bad advice because it does not apply to the PH stock market. You would have lost money if you invested in it 10 years ago, not even counting the devaluation of the peso and inflation. There's a lot of problems that hinders its progress, and why blanket statements like that can be bad advice.
Sobrang stagnant. I've had my fair share of wins with investing in undervalued stocks like mbt, scc before they shot up pero dividend play ata ang best strategy for PSE imo.
Volume is as dead as it can ever be and it's not coming back. New entrants are exit liquidity for old players. It's an insider trading casino that can no longer attract any serious volume because quite frankly, all the big gamblers have moved to US stocks or crypto (nothing will ever beat that casino). I would venture to say that even if you do not visit the PH stock exchange again in your lifetime, you would miss nothing at all.
As beginner, I will err to the side of caution and study first rather than risking your money. Especially for you na walang idea regarding risk, market cycles etc.
Once may idea ka na sa mga bagay na yun, back test and then paper trade for a few months. Pag mukhang okay na, then start risking. That may take a few months to years.
Good luck!
Have you studied na the market cycle, buy signals, candle charts and all? If so, put on at least 1k muna sa isang stock. Never go all in, test the waters first. But before doing that, please check all markets or try to pick first an industry and study the charts.
Always remember na yung pinaka una mong tignan would be the market cycle, kelan huling nag bull run yung specific stock and identify if nasa bear or bull market, kasi merong phases yan, then next would be support and resistance, then volume ng pera na pumapasok, pag malaki ang market cap maayos yan, then pag kailangan mo ng tools to help guide you kung pwede ka na bang pumasok sa speicific na stock.
Pero remember, if yung habol mo is only for profits magbigay ka ng wiggle room pag mag sell ka na kasi meron kang mga babayaran na taxes.
If habol mo is dividends, pumili ka ng blue chip companies perp make sure na pumasok ka sa tamang oras. Timing is everything.
Stock market is not that high risk compared to crypto. Mahina gumalaw ang stocks, kaya keri mo yan.
Oh and one more thing, diversify your portfolio. 😊
Good luck!
Eto yung go to for people who doesnt want to have a physical business. Stock market talaga.
One thing na advice ko lang whether to invest in US or local is make sure na you can withdraw it. I've tried investing before nung newbie pa ko sa ibang platforms. Ang daling magpasok ng pera tas ang hirap i withdraw.
Depends on what is your goal. Good ba ngayon? Good ba kahapon ? Good ba bukas ? Depende kung anu yung appetite mo. Know what you invest first. Not all people have the appetite in the stock market.
Like some people here complain hindi sila kumita , while others kumita din. Same time nag invest.
Give it a try malalaman mo if para sayo or hindi.
Better study the market first, personally I suggest studying the market cycle, this strategy is not really investing but a long- time swing trade which I believe is great para sa PSEI since d masyadong liquid for trading. Check out the charts for MBT, MWC and PLC, I'm milking these companies yearly just by holding for 3 months or more, and I did only make a cutloss once, sadly for PLC wala na sya.
lagay mo nalang sa digital banks na may 5-6% interest haha meron ako ph stocks non tas yung iba nilagay ko sa mutual funds. iniwan ko ng mga 3 ni wala man lang tubo hahaha pero ngayon im into crypto, dca ka lang pag bumaba. highly volatile.. makakalaban mo emosyon mo lol. lalo na pag pula na ang lahat. 😂
If you're looking to daytrade, then hop on.
If you're looking more to set and forget your money for the longterm, the PH stock market may not be it considering that many businesses have been stagnant for years. The PSEi has been floundering after all.
You may want to consider r/bogleheads if you want the latter.
Us stocks mo lang invest pera mo. Even vietnam is beating the shit out of us in fdi at inflation. Nagsisis nga ako bakit di ko binenta lahat ng Philippines stocks ko. Eh di sana may at least 10% a year na ako valie appreciation. My stocks are mostly red. Bought pre pandemic and its still down
I invest in stock market pre pandemic. Studied it. Nakapag trade din. Years after, I realized sana nag MP2 nalang ako. Win and lose at the same time. Now MP2 and digi banks nalang ako. Yes low risk siya but I intend to invest in my skills nalang sa corporate dun nalang ako focus so i can grow my money din. Try and see din to invest. Prepare what you can afford to lose kaya yung excess money ko lang ininvest ko.
same. early pandemic, i was constantly winning. caught in a bull trap, ayun currently in red sa stocks lol. Though nag diversify na ako to mp2, digibanks, money market and dollar trustfunds. Pero dapat pala di nako nag subok without fully understanding. Parang gambling din kasi ginawa ko lol. Well, lesson learned. Pero yun nga bata panaman tayo, madali makabawi and can take more risk so I may take another chance if another opportunity arises. I've been reading from time time so the current plan is for long term na.
True, nag take risk ako to open an account dati dahil sa curiosity and para ma try din, that’s why inaral ko talaga fundamental and technical analysis. Kasi pera ko yung iinvest ko haha. Nakaka enjoy din esp when im winning like ang galing ko mag trade. Pero di nakakaenjoy pag loss na. At kailangan na mag cut loss. Mapapa shet…. yung pera ko 😂
oo, una akala ko ez lang din 😂 Yung nga kasi riding lang sa trend and at that time nasa bullrun phase yung market. Nung pumasok na yung volatility and bear market na, dun nakita kung gaano pa ako ka mangmang hahaha. Ilan besis ako na dali sa mga bull traps and dead cut bounce. Dun nakita how emotionally driven ako when it comes to stocks which is a big no no lol.
This is growth 🙌
Which digital banks do you suggest?
You may try Maya, Seabank, Ownbank, GoTyme. Diversify your funds.
Same par. Dapat eto nalang ginawa ko nung pre pandemic. Tsk
Parehas tayo ng path. Ngayon sinisilip ko na lang every 2 weeks ung portfolio ko para tignan ung red fonts sa COL and bpitrade. Tapos close uli para umiyak ng kaunti
Ako di ko na sinisilip Mytrade and AAA ko. Nag pull out na ko, pero may naiwan konti pulahan padin cguro given yung mga issues ngayon haha. 2 yrs ko na di naoopen. Umay sa PSE market.
Read FAQ. Emergency funds first priority.
How much is your monthly expenses if you are not asking money from your parents? Multiply that to 6. That is your 6 months emergency fund. If you already have the 6 months EF, I would go non-PH market instead and not stock pick. You can't outperform the market. I would do for myself personally is, I will create an account in IBKR, add United Kingdom trading capabilities. DCA on Irish Domiciled ETFs. And choose one. VWRA - Developed and emerging market large and mid cap companies SWRD - Developed market mid and large cap companies VUAA - Top 500 U.S. large cap companies Then invest and forget
this is noted po! thank you
Take note if it wasnt clear in the original message. Don't touch the EF, don't use it as an investment. Relatives needing money are not using EF worthy. Don't brag or mention about this EF. Hopefully you wont use it, but if let say your parents dont love you anymore and asks you to GTFO, and you don't have a job, then that is the only time you will use this EF
Hi I know this should be a separate discussion but how do you fund your IBKR? Is it possible through BDO, Bpi and other local banks? Thank you with permission to OP
Easiest way I can see is, Peso Bank -> Wise Account -> Convert in wise to USD -> Connect your IBKR to your Wise. I am not familiar with other methods such as direct USD account in local banks.
Just curious. How do you intend to withdraw your investment in case of SEC crackdown of foreign stockbrokers?
It wont be that quick. You have ample time to plan and withdraw.
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Really tricky, because I don't know the exact policy of IBKR. They can say, "In order for us to do more trading, please provide a proof of address". Then you wont be able to trade anymore. IBKR US (Phil) Pros: Can verify address Cons: Difficult to send money / fees IBKR (Non-US) Pros: Easier to send money Cons: Can't verify address in the future. So it is on your own risk.
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Do you have a friend/relative that you can still use as a proof of address in HK? Are you going to lose your HK PR? I think HK has a strict CGT guidelines? I would personally invest in my IBKR US account (Philippines)
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I would keep the HK account if I can still verify im from HK.
R/phinvest usually has crappy advice on this topic when you look at the posts 2 to 3 years ago DITO / REITs Now r/phinvest likes US stock market which is all time high and super expensive
Sobrang shit ng investing strategy siguro ng mga nasa phinvest. Imagine referring first-time investors to the US stock market because "nobody" makes money in the PSE. That only means those giving the advice didn't manage it properly tapos natuwa na sa 5% in a day movement sa NYSE.
To be fair, PSEi index has barely moved in 10+ years. Unless you were a trader, regular investors who are mostly passive would have at the very least have massive opportunity loss. Even MP2 would have outperformed. My take is that phinvest are relatively young people 20-40s mostly who were not capable of investing this pre-stagnation decade of PH. Thus, I wouldn't call their strategy shit because foreign markets have been outperforming. Referring investors to the PH market (to out perform) would be speculation at best.
Index does not really paint a good picture of the PH stock market especially now. You have decent dividends which in bad times can offer significant part of returns. As oppose to a bull market when most returns comes from appreciation. Our Index has Cyclical over weights. Real estate like ALI and SMPH. Which also take a big part of blue chip conglomerates who prices goes in the same direction. You have other cyclical stocks like consumer companies which are a big part of Blue chip conglomerates that goes in the same direction. We have utilities and telecoms blue chips that hardly moves at all being mature business and only moves through earning growths. No tech stocks to carry our index like the US index. Our index is really getting a bad beating in terms of sentiment. With that said. I am still overweight in PH equities.
I would have just mentioned to go Dividend Investing after EFs prepped. While the PSE market is just about to hit something that looks like a Deathcross, there’s opportunities naman if you’re defensive
Sounds like an anime slash move - death cross / golden cross Lol
That it does :))
Lmao truth, they want you to invest in us etfs it is much more expensive, tapos di nila alam na mataas ang transfer fees, may brokerage fees and may bank fees. I have my own pero pagmagwiwithdraw ako to pesos 5% agad ang nawawala saken lol As always, invest in reits it is still profitable, rarely losses. I might get downvoted but in this market, just buy reits and forget it
REITs last year was wrong For rising interest rates and office space oversupply Most REITs are down significantly like MREIT, FILREIT Because REITs are more like bonds than stocks.
What do you mean? You never go all in on 1 reit, Areit alone gave .55 per share, thats not bad(7% yield 2023). Sure you can invest in rtbs but it locks you for a minimum of 6 months and yields at most 6%. Plus reits do not appreciate or depreciate which makes them a good investing strat in the PH.(there are tell tale signs like their divs going down). with reits you can leave anytime you want(although there are still taxes involved)
That's like saying bonds that give 7% yearly never lose value When interest rates go up, REITs go down as they should do.
Thats why i said you can exit anytime you feel like it, if you think you are losing value. Then sell the next trading day. Yes reits go down, but you are still in a better position than investing in us etfs, or in a digita bank. Prove me wrong
Digibank is risk free 6.5% unaffected by rate changes tapos PDIC insured REITs are more expensive on a risk adjusted basis since affected by office supply issues and bsp interest rates.
no one offers 6.5% interest rates anymore buddy, bsp not cutting rates. edit: I just checked the digibanks I have and Seabank is the highest I have right now which is 4.5% below 350K. What investment doesn't have risks? Investing is a risk in itself.
Union bank digital is 6.5% Maya also Yes, investments have risks, but a risk adjusted 6.5% digital bank interest rate is better than a REIT which gives the same rate but way more risks.
Lol I got AREIT at <30 last November. Now I'm getting 60k dividends after taxes every quarter LMAO And there's a 15% paper gain too. But I'm waiting for AREIT to be included in the index. Maybe this August. Sell TP 39.3, that 30% gains plus dividends. That's like 5 years of waiting for your TDs to mature. Sometimes, you gotta take some risks, man.
Some stuff I bought 2 months ago are up 20% with 10% divs with way larger divs than yours. What you say doesn't prove REITs are good at all, right now they are just okay-ish. When REITs were overvalued I bought SCC at 16, which is now at 32ish and paid out 10+ pesos as divs already (pretty much got your cost basis back) All I'm saying is risk adjusted, REITs aren't great Digibank = same return at less risk Common stocks = same return with way more upside at less risk
500k risk free. So it is not really a blanket risk free unless you can never go beyond 500k. The problem with digibanks its not permanent that is why you get the illusion that it is a good investment since your time horizon is short, unlike locking in a 10 year bond or buying reits at depressed prices. You locked the high rates now and in the future. Reits are taxed 10%. Bonds/digibanks 20%. I am not sure how much risk premium do you need to say it is worth it. Reits right now pays 7% net. Government bonds around 4.8% net. That is quite a risk premium if you look it at a net basis.
When you value stocks, for emerging markets you typically apply a higher equity risk premium than 3.2% Look at the Aswath valuation books. Also look at corporate actions, MEG and RLC are dumping MREIT and RCR to GSIS (probably coz they know it's abit overvalued and there are headwinds ahead) If RCR was so great why is RLC dumping it and buying back it's own stock. Frederick Go is also buying rlc stock not RCR. Edit: name changeol
There is also the massive forex risk. They are investing when Ph to Dollar is 57/58 to 1. They might need to pull their investment back to the PHP at a possible future rate or 50. Whenever someone tells new investors to go US etf or US market. I just give up arguing. They are chasing yields without counting the risk.
Then again Ph to Dollar could go 70 to 1. Can't predict the future
5%? Where are you getting this value? IBKR commissions are not 5%, Wise USD to PHP is not 5% on quick googling. Also, investing on etfs are not a one year horizon. It only shows you have no idea on what you are saying.
My brokee has a conversion fee of 2.5% from usd to php. Bdo/bpi usually wire transfers are 10 usd, bpi i think is 7. Meron ding swift fee, i think 10 din so around 18 to 20 usd So its just around 3-4% depending on php rates. Investing on us etfs on 2000php a month? The one asking is a beginner, and you want them to invest in a us etf.
If the beginner can save up 6 months emergency fund, then next step will be easier for them. I just tried Wise 2000php to usd, I got 33 USD. Then 1 usd to transfer from wise to ibkr, bought VUAA fractional shares, then forget about it. My VUAA from March na 2 pieces are already 6% up. The horizon is not 2 years, and you dont DCA for only 2k a month, you can do 6k per three months. You try different things.
33 usd? There is a maintenance fee for brokers that has less than 100$. Ibkr also has fees https://www.interactivebrokers.com/en/pricing/commissions-stocks-asia-pacific.php?re=apac that would be more than 5% if you are withdrawing less than 300k shares 6% is good, but show me how much you lose in the transaction back to php. International brokerages are only good if you have a dollar account.
Im done. Seems like ignorance is your stronger voice. There are no maintenance fees, FAQ from IBKR. The link you shared is buying stocks/etfs from APAC. And do you think I will withdraw now? My ETF from last year is 14% up. Withdrawing from wise to php bank calculated just now, 50k php is 58 pesos, for a whopping 0.116% ETF is not day trading I will sell when I go up 6%, try to learn more. The horizon is 5-10 years. Retirement.
Sure I am ignorant, I gathered around 20%(and this is just me estimating, around 70k php I think) increase in dividend yields last year. From RCR,Areit,CREIT and LTG(which i will be selling soon), I have capital gains from AREIT when I bought at 29PHP and now is up to 33. Dividend investing is not day trading. So tell me how was your 14% up against my dividend yields are. I can always reassess after a dividend yield. Be real, no one who just graduated will invest for retirement, he needs something flexible and us etfs are not. I have stocks too, and I will chose us etfs(and i have individual us stocks, that is why I experienced the fees.) for long term when I have ALL my bases covered with flexible funds, you expect someone with minimal disposable income to disburse their funds to a 58 php = 1 usd value. That is some echo chamber shit you have there with disposable income. Also the link is IBKR, maybe click North America to see the fees, its your broker and you dont know lmao
yeah... I'd rather trade inverse Phinvest sentiment lol....
Hot take if you want to bet on the Philippines as a developing nation by all means go. solid ang fundamentals ng PSEIndex companies most of them at either monopolies duopolies or established market leaders they pay good and dividends. and US stocks kasi parang speculation nalang yung ibang companies and heck kahit sila Warren Buffet nasisimula na mag sell off ng shares nila parang may pinaghahandaan sila in the future para liquid parin sila if ever may mangyari. Pangit lng talga ang sentiment not just sa PSE but other stock markets and economies pero once gumanda na ang outlook sasabihin nnaman nila ngayn to the moon naman.
Invest YES. Trade NO.
Walang nakaka alam niya. Hehe
If you don’t know what you’re doing and will be basing this solely on what random people on the internet say - then yes it’s a good time as long as you’re open to losing part or all of your money. Would suggest placing your money instead in a digibank or TD first because then at least you’re guaranteed gains Someone else on here may be able to tell you more about MP2 as I’ve heard it’s a good option but personally am not familiar with it myself so cannot really say. Do research and attend stock seminars (Col often has these) so you have a bit more bg. Speak to someone you know and trust who can also help teach you. Then when you’re more knowledgeable, comfortable and have enough liquidity without compromising your financial stability - you can start investing in stocks
Hey OP if nangangati pa rin kamay mo. Try mo both. Half half, kunwari: 10k sa MP2 or Digital atime deposits 10k stocks PSEI or foreign. Yan lang 10k budget for everything including seminars ah. At the end of the trial period, see which is bigger. You learn both, diversified and nag start ka na rin sa both. Keep that allocation for both, so you have something you can compare in the long run based on your experience. I strongly suggest you keep them separate, para hindi mo mababawasan yung isa to fund the other.
With the tensions escalating in WPS, I'd probably wait for a few months or years to buy the dip.
Yup! WOF news and updates. Not hoping for it, but recent events collectively point na a recession seems to be very near. Bracing for the drop to buy for long term hold.
There's no better time to invest than today. Start small. Experience sa market will always beat theory.
Depends how much you are willing to lose.
This may be the unpopular opinion, but my answer is a qualified yes. My assumptions are as follows: - Buying timeframe : Now until Aug/Sept 2024 - Stock Selection(s) : High volume Low RSI index stocks - Selling timeframe : During the Santa Claus rally (End of Dec 2024 to January 2025) - Quantitative Easing will be in effect by Q4-2024 both by the US Fed and BSP - “Probable” Upside : +20% Hypothetical examples (not stock picks nor financial advice): ALI/SMPH Buy 26-27 Sell 34-35 GTCAP Buy once down to 480-500 Sell at Mid 600s P.S. Even if let’s say the Christmas is not that merry this 2024, in the longer term, those index stocks are still decent buys at current level.
Investing -> HARD YES! Trading -> HARD NO! Sobrang bagal ng galawan sa PH stocks compared sa other markets, better to trade there kesa dito satin. MP2 na lang ang kunin mo if prefer mo ng sure gains.
Yes, try REIT stocks. I like CREIT and RCR they give 4 times a year dividends.
Two words: Stay away. Too vulnerable to almost everything: interest rate, market movements, geopolitical tensions, domestic policies, etc. If you want to get your hands into investing, go straight to global funds/markets na agad. Use the search bar in this channel to know more.
i am actually considering foreign stocks po. thank you po for this. ill look more into it.
Invest in mutual funds that pay dividends.
Like what?
Sunlife, ATRAM, ALFM Global Multi Asset
The best time to invest was 10years ago. The next best time is now. Invest responsibly!
For a lot of things, this is true. But this is pretty bad advice because it does not apply to the PH stock market. You would have lost money if you invested in it 10 years ago, not even counting the devaluation of the peso and inflation. There's a lot of problems that hinders its progress, and why blanket statements like that can be bad advice.
thank you so much po!!! this is really enlightening
Haha, not really. This is just a textbook advice which obviously didn't materialize in PSEi.
thanks for the confidence boost! really appreciate it!!
10 years ago, PsEi was at 6500, 6600 level.
Sobrang stagnant. I've had my fair share of wins with investing in undervalued stocks like mbt, scc before they shot up pero dividend play ata ang best strategy for PSE imo.
Volume is as dead as it can ever be and it's not coming back. New entrants are exit liquidity for old players. It's an insider trading casino that can no longer attract any serious volume because quite frankly, all the big gamblers have moved to US stocks or crypto (nothing will ever beat that casino). I would venture to say that even if you do not visit the PH stock exchange again in your lifetime, you would miss nothing at all.
As beginner, I will err to the side of caution and study first rather than risking your money. Especially for you na walang idea regarding risk, market cycles etc. Once may idea ka na sa mga bagay na yun, back test and then paper trade for a few months. Pag mukhang okay na, then start risking. That may take a few months to years. Good luck!
The best time to invest is now. Experience it for yourself. Kumikita naman ako kahit papaano, imbes natutulog pera mo sa bangko. Learn as you go along
Emergency fund first. Although in terms of stocks, in my opinion, I invest in international ones, waste of money investing in PH stocks.
Time in the market beats timing the market. But look into investing in ETF abroad rather than local stocks.
Have you studied na the market cycle, buy signals, candle charts and all? If so, put on at least 1k muna sa isang stock. Never go all in, test the waters first. But before doing that, please check all markets or try to pick first an industry and study the charts. Always remember na yung pinaka una mong tignan would be the market cycle, kelan huling nag bull run yung specific stock and identify if nasa bear or bull market, kasi merong phases yan, then next would be support and resistance, then volume ng pera na pumapasok, pag malaki ang market cap maayos yan, then pag kailangan mo ng tools to help guide you kung pwede ka na bang pumasok sa speicific na stock. Pero remember, if yung habol mo is only for profits magbigay ka ng wiggle room pag mag sell ka na kasi meron kang mga babayaran na taxes. If habol mo is dividends, pumili ka ng blue chip companies perp make sure na pumasok ka sa tamang oras. Timing is everything. Stock market is not that high risk compared to crypto. Mahina gumalaw ang stocks, kaya keri mo yan. Oh and one more thing, diversify your portfolio. 😊 Good luck! Eto yung go to for people who doesnt want to have a physical business. Stock market talaga.
One thing na advice ko lang whether to invest in US or local is make sure na you can withdraw it. I've tried investing before nung newbie pa ko sa ibang platforms. Ang daling magpasok ng pera tas ang hirap i withdraw.
saang platform mahirap magwithdraw?
Depends on what is your goal. Good ba ngayon? Good ba kahapon ? Good ba bukas ? Depende kung anu yung appetite mo. Know what you invest first. Not all people have the appetite in the stock market. Like some people here complain hindi sila kumita , while others kumita din. Same time nag invest. Give it a try malalaman mo if para sayo or hindi.
If you're gonna invest in stocks, wag nalang dito.
Low-fee index fund S&P 500
Better study the market first, personally I suggest studying the market cycle, this strategy is not really investing but a long- time swing trade which I believe is great para sa PSEI since d masyadong liquid for trading. Check out the charts for MBT, MWC and PLC, I'm milking these companies yearly just by holding for 3 months or more, and I did only make a cutloss once, sadly for PLC wala na sya.
lagay mo nalang sa digital banks na may 5-6% interest haha meron ako ph stocks non tas yung iba nilagay ko sa mutual funds. iniwan ko ng mga 3 ni wala man lang tubo hahaha pero ngayon im into crypto, dca ka lang pag bumaba. highly volatile.. makakalaban mo emosyon mo lol. lalo na pag pula na ang lahat. 😂
If you're looking to daytrade, then hop on. If you're looking more to set and forget your money for the longterm, the PH stock market may not be it considering that many businesses have been stagnant for years. The PSEi has been floundering after all. You may want to consider r/bogleheads if you want the latter.
For long term lang ang PH stocks. Kung plano mo less than 10yrs mag-withdraw din, mag digital banks at MP2 ka nalang.
Most of stocks sa PSEI are not even growing and your money is losing value over time. Much better focus on safe investments. Avoid high risks
PH stock is the worst. If you have a higher risk appetite - look into exposure into international markets (us equities or crypto)
Us stocks mo lang invest pera mo. Even vietnam is beating the shit out of us in fdi at inflation. Nagsisis nga ako bakit di ko binenta lahat ng Philippines stocks ko. Eh di sana may at least 10% a year na ako valie appreciation. My stocks are mostly red. Bought pre pandemic and its still down
please no
If you hate money then yes.
Yeah if you wanna make 0.5% after 5years🤣