How To Start Investing In The Philippine Stock Market

How To Start Investing In The Philippine Stock Market. Investing in stocks (equity) can be one of the most profitable investments any investor can make. However if we're not careful, we can also lose a lot of money instead of making any.  In this article, we'll cover basic steps in how to invest in the stock market.

Investing in stocks (equity) can be one of the most profitable investments any investor can make. However if we're not careful, we can also lose a lot of money instead of making any.

In this article, we'll cover basic steps in how to invest in the stock market.

To Succeed In Life, We Must Prepapre For It

Sports teams have game plans. Teachers have lesson plans. Businesses have business plans, risk mitigation and contingency plans. And yet it seems a lot of people aren't preparing for their future. We must recognize that our life is playing out right now, and if we want to succeed in life we must prepare for it.
A while back, I watched the movie "The Mechanic" and enjoyed it a lot. One thing that really resonated with me was the Latin proverb amat victoria curam which loosely translates to "victory loves preparation".

It got me thinking. Preparation is indeed an important step if we want to succeed. Sports teams have game plans. Teachers have lesson plans. Businesses have business plans, risk mitigation and contingency plans. And yet it seems a lot of people aren't preparing for their future.

Investing in Mutual Funds and UITFs

Investing in Mutual Funds and UITFs
For this article I would like to point out the benefits of investing in a mutual fund or a Unit Investment Trust Fund (UITF).

Learning From The Past And Starting Over

For some time now, I've been thinking of the Aman Futures ponzi scheme that has rocked Pagadian City. And I've wanted to write about it, but hesitated because I might inadvertently add insult to injury.

I don't blame the people who were taken in by the scam. Ponzi schemes have been around for decades, perhaps centuries. People have been fooled and most probably will continue to be fooled. Although some participate knowing it's a scam but hoping to get in and profit before the end comes.

But what's been fascinating to me is the 12 billion pesos. An amount that huge will surely change lives, for better or worse. And what that amount represents to me is potential. And when I think how this amount came mostly from ordinary folk, what that tells me is that the potential to change lives is in their hands.

What if, bonded by their shared misfortune, they decided to unite together and use that potential to change their lives? What could they accomplish?

Optimizing a Time Deposit Investment

Optimizing a Time Deposit Investment. In this post, we'll tackle how you can invest in Time Deposits without loosing liquidity and avoid locking in your money to low interest rates.
In my previous post, I mentioned that Time Deposits are one of the safest investments we can make. You are guaranteed that you will not lose your money, and you are also guaranteed a profit upfront (the interest rate offered).

And having our money locked in is usually a good thing, since we won't be able to spend it impulsively. In this case, "forced savings" is our friend.

But what if higher interest rates became available next week? Or conversely, what if we took too long to decide, and interest rates fell while we were deciding? And regardless of interest rates, what if an emergency occurred and we needed access to some of our savings?

Give yourself the gift that keeps on giving

Christmas is just around the corner! And around this time, employees like myself will be receiving their 13th month pay (and Christmas bonuses, for the more fortunate ones).  And isn't it also timely how stores - as you've probably noticed - go on sale around this time too?
Christmas is just around the corner! And around this time, employees like myself will be receiving their 13th month pay (and Christmas bonuses, for the more fortunate ones).

Which is quite timely, since we are better served having our money now so that we can use it to prepare for the holiday festivities. Even if we've already decorated our homes, there are still gifts to be bought. And food to be prepared for Noche Buena.

And isn't it also timely how stores - as you've probably noticed - go on sale around this time too?

Investing in Time Deposits

Investing in Time Deposits
In my previous posts, I've focused almost exclusively on saving. This was by design. Although Personal Finance is more than just saving, saving is undeniably the first step. The second is preparing your emergency fund. But since preparing an emergency fund has already been much discussed elsewhere. I will proceed directly with this blog's main mission - helping people with investment options. Which brings us to Time Deposits.

Lessons from a lost ATM card

Lessons from a lost ATM card: redundancy and diversification, prior knowledge and past performance, prevention and due diligence.
Some time ago, I looked at my wallet and noticed my ATM card was missing. Everything else was there (including my payroll ATM), so I thought nothing of it. When I looked through my stuff, I realized it really was missing.

Smart Shopping: Buying Small and Buying in Bulk

Smart shopping is one of the best ways to save money or stick to our budget. And there are two good ways to do so: buying small, and buying in bulk.

Both are great strategies but only when properly applied to our situation. And finding the strategy that best applies to us is the topic we'll tackle in this article.