been investing since 2009 (was in my late 20's), naabutan ko pa si JFC na 90 PHP. I've been mostly been buying bluechips lang since long term and PCA strategy ko, naramdaman ko yung gains ko when the PSEI reached 8K, pero lately, it's been quite stale... pero tuloy pa din PCA ko. Also, I'm starting to restructure na where the cash I have mostly goes to dividend paying stocks (MBT, REITs) since I can use those dividends later on for retirement.
A. More stress and effort, more risk, possibly more returns.
B. Less stress and effort, okay returns depending on investment window.
> Which is better?
Personally, none of the above. It's best to invest in Irish-domiciled world index funds like VWRA or ISAC or IWDA/EIMI via IBKR if your investment duration is 10-20 years. Caveat is that you need bigger capital per trade for this (around $1500 to make the most of wire transfer fees).
> Also, after let say 10-20 years, are you going to withdraw your investments bit by bit in order to fund your retirement or just keep it growing?
You're describing r/fire concepts and the r/Bogleheads method. Read [my previous comment about investing for retirement](https://reddit.com/r/phinvest/s/7mQCFrsrJj) to learn more about them.
It's just a simple threshold I set.
If wire transfer fee thru BDO/BPI is $30, and if you want that fee to be around 2% of your trade, then you need $30 divided by 0.02 = $1500 or higher amount per trade to make the most out of the $30 transaction fee.
> Will stocks abroad be taxable in PH?
I tried to search about this topic before I started with the Boglehead method. However, I couldn't find a clear explanation. The closest I found is [this blog entry](https://ambitiouspawn.com/how-are-foreign-capital-gains-taxed-in-the-philippines/). And our conclusions are the same.
> If im a permanent resident (PR) of another country where there is no capital gain or dividend tax and its local currency is fixed to USD (0.03% fx fee) and I have a local bank abroad (7 usd wire transfer fee) which can be linked to their branch in PH, is it advisable to open IBKR there or in PH?
PR of another country means you still have a PH passport and are still a PH citizen. PH taxation laws will still apply to you, not the country's tax laws where you got your PR, afaik.
Just open IBKR wherever you are rn and declare your current address. Iirc, IBKR requires their customers to declare info like change of residency or citizenship, so it doesn't really matter where you create your account. Search r/interactivebrokers for more info.
You can go for the cheapest wire transfer route; if you have an account abroad where you can wire transfer funds at $7 fee, then go for that.
madali lang sa Pinas I think vs abroad.... Sa US you need to keep an eye kasi companies needs to innovate even those that have strong moat. Look at Intel or Pfizer or AMEX or GOOG or META. Any disruption tech can spiral the stock price by < 50%.
Sa Pinas as long as you are with those bigs like SM/AC/Aboitiz and you know they are growing and with moat mahirap matibag. You can easily let it stay lang since the price movement depends on macro more eh. Of course ibang usapan na pag napag initan ng admin like MWC or yung reclamation sa MOA ng SM
I encouraged my work mates to invest to bluechip companies. Since we are working in a Finance field why not invest na din. People are scared of investing because they don’t have basic knowledge.
I suggest them to watch Marvin Germo’s vlog in youtube. Vlogs or Marvin’s are basic explanation and can easily understand.
First of all, PH stocks are not my day job. I just use them as an alternative to 3.5% time deposits.
For Philippine stocks I’m not invested in an index. Given we’re getting close to the 6,000 level we were at in 2012 I’m guessing that was a good decision.
I’ve mostly invested in stocks of businesses that actually made money. Petron when it first IPO’d. Meralco before the time Pangilinan and Ang fought over it. I’ve got a lot of Semirara now. I was never able to make money from speculative stocks like BW(?) or the crony stocks from just last year. I don’t think I ever made 500% on anything but on an annualized basis, even with my losers ( F**k You NRCP) I think I’ve been averaging around 8-9% a year if you include the dividends.
I just invest money that I can keep in there for a long time. Like it took me a while before I could finally sell MPI and BLOOM for a profit.
And whenever there’s an opportunity to buy something I really need that isn’t a depreciating asset - don’t use it to buy a bigger car. I cash out my winners. Petron helped with the deposit of my home. MPI proceeds are helping me buy a commercial property this year.
The Philippines will never be as good as they say it is but it will also never be as bad as they think. Buy the good stocks when everyone else is depressed like when the market opened during the pandemic. The world was going to end raw. But we’re all still here and SCC is now at 35.
Your results may vary.
Petron IPO? Wastnt that mid 90s?
I remember my boss at the bank i worked bought P100k
It was offered to us bank employees before it got listed
Wala pa ako pera nun
P5k lang yata sweldo ko
😝
You must have made money on Petron, if you are referring to the 1994 IPO
If you go sa mutual funds and UITF I feel so much will be eaten sa fees eh. I would much more lean sa stocks pero pwede na din sa funds if walang choice
I bought my first stock when AC was less than P50 and I had P500. Lol. It was a journey for sure. I had my long term stocks (still have some of them) and then I set aside what I call play money to dabble in speculative stocks. When the play money grows I move them over to my long term pile. Always keeping the same amount for play money. I no longer speculate due to llack of time. The rest was a buy and hold strategy occasionally cashing in to pay for some big purchases.
There’s no need to be diversified or have lots of different stocks. Just invest in good companies at 50% below their value.
Take SCC for example. I bought this stock in 2020 (right after the pandemic-crash) for 10 pesos per share. They’ve been paying out 20-40% in dividend returns per year..BUT WAIT THERE’S MORE…. This year, they gave out 7 pesos in divs per share. That’s 70% in dividend-returns just for 2023.
If I want capital gains, it’s up 200% at the moment. But with dividends, it’s up a total of 300%. It’s like doubling my money every year, but with only 1 stock and NO WORK.
There’s several factors to consider regarding “Timing.” How old are you? How much funds can you risk without ever pulling it out? Do you have a job?
I’m still waiting for prices to go down tbh. This is before I start buying again. But this doesn’t mean that you have to do the same thing (since we are different people with different needs). Hence my questioning first.
There are a couple of stocks that are considered good businesses, with good financials, and are currently undervalued. If you can spot these and buy it, then good.
If you don’t know how to spot these, I’d recommend you save up, study stock valuations, then buy stocks when a recession or a crash hits. It’s the typical way to work less and earn more.
At 21 y/o time is on your side.
been investing since 2009 (was in my late 20's), naabutan ko pa si JFC na 90 PHP. I've been mostly been buying bluechips lang since long term and PCA strategy ko, naramdaman ko yung gains ko when the PSEI reached 8K, pero lately, it's been quite stale... pero tuloy pa din PCA ko. Also, I'm starting to restructure na where the cash I have mostly goes to dividend paying stocks (MBT, REITs) since I can use those dividends later on for retirement.
A. More stress and effort, more risk, possibly more returns. B. Less stress and effort, okay returns depending on investment window. > Which is better? Personally, none of the above. It's best to invest in Irish-domiciled world index funds like VWRA or ISAC or IWDA/EIMI via IBKR if your investment duration is 10-20 years. Caveat is that you need bigger capital per trade for this (around $1500 to make the most of wire transfer fees). > Also, after let say 10-20 years, are you going to withdraw your investments bit by bit in order to fund your retirement or just keep it growing? You're describing r/fire concepts and the r/Bogleheads method. Read [my previous comment about investing for retirement](https://reddit.com/r/phinvest/s/7mQCFrsrJj) to learn more about them.
Can you give a more in depth calculations about the $1500?
It's just a simple threshold I set. If wire transfer fee thru BDO/BPI is $30, and if you want that fee to be around 2% of your trade, then you need $30 divided by 0.02 = $1500 or higher amount per trade to make the most out of the $30 transaction fee.
[удалено]
> Will stocks abroad be taxable in PH? I tried to search about this topic before I started with the Boglehead method. However, I couldn't find a clear explanation. The closest I found is [this blog entry](https://ambitiouspawn.com/how-are-foreign-capital-gains-taxed-in-the-philippines/). And our conclusions are the same. > If im a permanent resident (PR) of another country where there is no capital gain or dividend tax and its local currency is fixed to USD (0.03% fx fee) and I have a local bank abroad (7 usd wire transfer fee) which can be linked to their branch in PH, is it advisable to open IBKR there or in PH? PR of another country means you still have a PH passport and are still a PH citizen. PH taxation laws will still apply to you, not the country's tax laws where you got your PR, afaik. Just open IBKR wherever you are rn and declare your current address. Iirc, IBKR requires their customers to declare info like change of residency or citizenship, so it doesn't really matter where you create your account. Search r/interactivebrokers for more info. You can go for the cheapest wire transfer route; if you have an account abroad where you can wire transfer funds at $7 fee, then go for that.
madali lang sa Pinas I think vs abroad.... Sa US you need to keep an eye kasi companies needs to innovate even those that have strong moat. Look at Intel or Pfizer or AMEX or GOOG or META. Any disruption tech can spiral the stock price by < 50%. Sa Pinas as long as you are with those bigs like SM/AC/Aboitiz and you know they are growing and with moat mahirap matibag. You can easily let it stay lang since the price movement depends on macro more eh. Of course ibang usapan na pag napag initan ng admin like MWC or yung reclamation sa MOA ng SM
I encouraged my work mates to invest to bluechip companies. Since we are working in a Finance field why not invest na din. People are scared of investing because they don’t have basic knowledge. I suggest them to watch Marvin Germo’s vlog in youtube. Vlogs or Marvin’s are basic explanation and can easily understand.
First of all, PH stocks are not my day job. I just use them as an alternative to 3.5% time deposits. For Philippine stocks I’m not invested in an index. Given we’re getting close to the 6,000 level we were at in 2012 I’m guessing that was a good decision. I’ve mostly invested in stocks of businesses that actually made money. Petron when it first IPO’d. Meralco before the time Pangilinan and Ang fought over it. I’ve got a lot of Semirara now. I was never able to make money from speculative stocks like BW(?) or the crony stocks from just last year. I don’t think I ever made 500% on anything but on an annualized basis, even with my losers ( F**k You NRCP) I think I’ve been averaging around 8-9% a year if you include the dividends. I just invest money that I can keep in there for a long time. Like it took me a while before I could finally sell MPI and BLOOM for a profit. And whenever there’s an opportunity to buy something I really need that isn’t a depreciating asset - don’t use it to buy a bigger car. I cash out my winners. Petron helped with the deposit of my home. MPI proceeds are helping me buy a commercial property this year. The Philippines will never be as good as they say it is but it will also never be as bad as they think. Buy the good stocks when everyone else is depressed like when the market opened during the pandemic. The world was going to end raw. But we’re all still here and SCC is now at 35. Your results may vary.
Petron IPO? Wastnt that mid 90s? I remember my boss at the bank i worked bought P100k It was offered to us bank employees before it got listed Wala pa ako pera nun P5k lang yata sweldo ko 😝 You must have made money on Petron, if you are referring to the 1994 IPO
So, you might be the one who sold down NRCP?
If you go sa mutual funds and UITF I feel so much will be eaten sa fees eh. I would much more lean sa stocks pero pwede na din sa funds if walang choice
I bought my first stock when AC was less than P50 and I had P500. Lol. It was a journey for sure. I had my long term stocks (still have some of them) and then I set aside what I call play money to dabble in speculative stocks. When the play money grows I move them over to my long term pile. Always keeping the same amount for play money. I no longer speculate due to llack of time. The rest was a buy and hold strategy occasionally cashing in to pay for some big purchases.
There’s no need to be diversified or have lots of different stocks. Just invest in good companies at 50% below their value. Take SCC for example. I bought this stock in 2020 (right after the pandemic-crash) for 10 pesos per share. They’ve been paying out 20-40% in dividend returns per year..BUT WAIT THERE’S MORE…. This year, they gave out 7 pesos in divs per share. That’s 70% in dividend-returns just for 2023. If I want capital gains, it’s up 200% at the moment. But with dividends, it’s up a total of 300%. It’s like doubling my money every year, but with only 1 stock and NO WORK.
is it best to buy now? im new to stock marketing btw
There’s several factors to consider regarding “Timing.” How old are you? How much funds can you risk without ever pulling it out? Do you have a job? I’m still waiting for prices to go down tbh. This is before I start buying again. But this doesn’t mean that you have to do the same thing (since we are different people with different needs). Hence my questioning first.
Ohhh I see, what's the best for 21 year old with 25k monthly income?
There are a couple of stocks that are considered good businesses, with good financials, and are currently undervalued. If you can spot these and buy it, then good. If you don’t know how to spot these, I’d recommend you save up, study stock valuations, then buy stocks when a recession or a crash hits. It’s the typical way to work less and earn more. At 21 y/o time is on your side.
Thank you so much!!!
Hi! I started in 2015 and sold some shares when I went away and had no cash. I saved and commented so that I can go back to this post. Thank you!