Where and How to buy Debt.

[ckice168]

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you should base investments in pyramid...

CASH/EQUITY 20%
FIXED INCOME 30%
INSURANCE 50%

Insurance is always a good investment because it cant be spent unless sold... normally a last option since it takes time. Fixed income can be your td's, rtb's, corp bonds, ROPS, etc... Cash is cash and equity is stocks... (can be volatile.)

RTB is retail treasury bonds, dealt through PDTC, but, rtb is taxable... best option is corporate bonds 5 years or longer. tax free but normally has higher minimum. ROP is also nice option but medyo mahal na gyud. Gamay ra and yield. There is also FXTN which again, is taxable...

[arclops]

Thanks kaayo ninyo.
@arclops sueto man kaayo ka about aning stocks bro, naa ka business ani?

@firestarter

dili ko suweto bro....gamay ra akong nahibal-an. My personal reason for buying RTB is only for capital preservation.

I'm not in a position to give financial advice to anybody, however, I can give my personal opinion on the matter of investment. In any type of business, whether you're into products, services, or in the stock market, common logic would say that getting into something you know nothing about is a suicide. If you want to lose your money fast, it's one of the best routes! Analogous to constructing a building, the most important part is the foundation. Therefore, building a solid foundation is your stepping stone towards a successful investment. You must be patient, disciplined, eager to learn, and must be able to harness your emotions. Added to it, don't let other investor's judgments determine your own. As you progress towards this learning process, you slowly build self-confidence. IMHO, the rate of return of investment is not measured on how much RISK you're willing to take but rather on the amount of INTELLIGENT EFFORT you're willing bear.

[niccolai]

nosebleed lagi kay ko ani. pero ganahan ko makamao mo invest sa stock market. kay atleast magdagan akong kwarta. panudlo mo beh.

[arclops]

nosebleed lagi kay ko ani. pero ganahan ko makamao mo invest sa stock market. kay atleast magdagan akong kwarta. panudlo mo beh.

Disclaimer: Opinion only, not an advice

If I were to start again, given my current financial resources and useful life(age)...hehehehe, I would ask myself how much time should I need to achieve what I have planned(financial plan). Then do some research on types of available investment vehicles I can afford - stock market, mutual funds, corporate and government bonds, time deposit, real-estate, etc. Since each type has its own way of doing things to be successful, it would take a lot of ample time to know the fundamentals, like how things work. Then pick among these investment vehicles that interest me for further digging. Then comes asset allocation and diversification. How much of my financial resources should I allocate for each type and set aside a portion of it for EMERGENCY FUND.

For stock market managing my own account, there are 2 routes - trading and investing. From here, I would choose which route should I explore. Then do a lot of reading to establish a strong foundation and build confidence on my own analysis and decision. There are some who do both, but I prefer to just stick to only 1.

If you were to ask me, I'm into VALUE INVESTING. So I started reading about this subject from ebooks, the internet also has unlimited resources about value investing....Google is your friend. Then went further to subtopics like risk management, asset allocation, valuation analysis,, and understanding financial statements. Once you fully grasped the principles of value investing, naa nakay guide asa na topic ang gusto nimong i-explore next, like the aforementioned subtopics. So as you can see it takes a lot of reading and discipline, hinay2x lang, importante I will reach the finish line in due time. Common advice given is, start right away kay bacn kuno mabiyaan naka. IMHO, this is suicide. I don't want to risk my hard-earned money into something nga IGNORANTE ko. Kung sa balaod pa..."Ignorance of the law excuses no one". So same sa stock market, mo invest nga even the word TICKER wala ko kabalo unsay pasabot doesn't make sense. I hope nakatabang ko sa imong pangutana maski ug gamay.

[firestarter]

Disclaimer: Opinion only, not an advice

If I were to start again, given my current financial resources and useful life(age)...hehehehe, I would ask myself how much time should I need to achieve what I have planned(financial plan). Then do some research on types of available investment vehicles I can afford - stock market, mutual funds, corporate and government bonds, time deposit, real-estate, etc. Since each type has its own way of doing things to be successful, it would take a lot of ample time to know the fundamentals, like how things work. Then pick among these investment vehicles that interest me for further digging. Then comes asset allocation and diversification. How much of my financial resources should I allocate for each type and set aside a portion of it for EMERGENCY FUND.

For stock market managing my own account, there are 2 routes - trading and investing. From here, I would choose which route should I explore. Then do a lot of reading to establish a strong foundation and build confidence on my own analysis and decision. There are some who do both, but I prefer to just stick to only 1.

If you were to ask me, I'm into VALUE INVESTING. So I started reading about this subject from ebooks, the internet also has unlimited resources about value investing....Google is your friend. Then went further to subtopics like risk management, asset allocation, valuation analysis,, and understanding financial statements. Once you fully grasped the principles of value investing, naa nakay guide asa na topic ang gusto nimong i-explore next, like the aforementioned subtopics. So as you can see it takes a lot of reading and discipline, hinay2x lang, importante I will reach the finish line in due time. Common advice given is, start right away kay bacn kuno mabiyaan naka. IMHO, this is suicide. I don't want to risk my hard-earned money into something nga IGNORANTE ko. Kung sa balaod pa..."Ignorance of the law excuses no one". So same sa stock market, mo invest nga even the word TICKER wala ko kabalo unsay pasabot doesn't make sense. I hope nakatabang ko sa imong pangutana maski ug gamay.

What's your portfolio split bro?
How much in stocks, bonds, cash ug emergency funds?

[arclops]

What's your portfolio split bro?
How much in stocks, bonds, cash ug emergency funds?

Current portfolio:

Stocks - 50%
Bond - 15%
Mutual Fund - 10%
Cash - 25% (includes EMERGENCY FUND equal to 6x monthly expenses)

[firestarter]

Current portfolio:

Stocks - 50%
Bond - 15%
Mutual Fund - 10%
Cash - 25% (includes EMERGENCY FUND equal to 6x monthly expenses)

Naa lage ka mutual bro? unsa nga fund imong gigamit ron?
About cash bro, savings na siya nimo?

[arclops]

Naa lage ka mutual bro? unsa nga fund imong gigamit ron?
About cash bro, savings na siya nimo?

PM lang bro

[firestarter]

nice.. isaka daw ni nato gamay.

Any other forms of debt out there?

[arclops]

nice.. isaka daw ni nato gamay.

Any other forms of debt out there?

Corporate bonds...utang gihapon ni bro. You can buy them sa mga banks. Much higher ang interest kaysa RTBs....though wala pako ka try ug purchase but nag plan in the future to increase my bond portfolio.

If you like a fixed-income investment bro, why not consider stocks that give consistent dividends. You can have 8%-10% dividend yield on some stocks pero dapat calculated nimo imong entry price. If you have a COL account, you can filter those stocks that give dividends for the last 5 years. But because of higher valuations karn sa market medyo need paka maghulat for the right entry price.