How old are you? And how much is your savings na?

[phattchoi]

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ask lng ko kay naa ko kaila unya cxa akong measure sa saveings:

5 years na trabaho unya mha 600K savings. sakto raba?

[cebu.opportunities]

ask lng ko kay naa ko kaila unya cxa akong measure sa saveings:

5 years na trabaho unya mha 600K savings. sakto raba?

there is no right or wrong in terms of figures sa savings because goals, priorities, income, target savings, etc is distinct from one person to another.

if you aim for capital appreciation, you may invest a portion of it to those with higher risks yet may garner high returns (or loss).
if you want to preserve your savings for short term to medium term, look for investment vehicles which cater your needs.

[asean]

Karun pa ko kabalik ani nga thread.. nindot jud ning threada daghan nag share how to save/invest ug daghan sad na inspired. (ignore nalang ang mga pasimple nag advertise.. haha )

worth it jud ni i share sa uban kani nga thread para kitang mga pinoy ma kat-on sad.

share lang pud ko..

sa mga mag start ug invest, take time to study before ka musod ug stocks ug unsa paman na nga investments.. cost averaging cguro ang less risk for stocks, pero kailangan gihapun mag study how it works.. study and research jud.. (ayaw palabi sad ug dugay because time is your ally)

even though I had a very bad experience sa IMG, pero sa ilaha ko naka dungog na health/life insurance ang foundation before ka musulod ug mga investments. mag unsa man daw ng imung investment kung after 2 months masakit ka then makuha dayun imung gi-invest kay wala kay insurance. (investment is pang long term jud sample stocks ug uban pa)

katong ganahan mu kuha ug insurance (namaligya ko. haha joke) cguro try to inquire sa mga insurance company kung asa ang maayo para imung (sunlife, prulife, axa, philam, insular ug uban pa).. research and study sa mga quotation/products nga ilang gi offer before ka mupalit.. basin d i nindot ang gi offer sa uban..

sa dili lang pang hambug (naa juy disclaimer kay ang uban mas bright or nag pabright bright haha) akong insurance plus investment kay akong gi spread sa (sunlife, prulife, philam, insular). lain lain jud sila specially sa fees ,sa mga benefits, ug performance.. try jud ug study before mu palit.. adto sa insurance na kaya ra ug barato ra, kay basin ma obligado ka ug bayad (kaylangan jud baya ka mu bayad monthly/semi annual/annually anang insurance) basin mag ka utang utang pahinuon ka.

create emergency fund/savings account. para incase unsa may mahitabo naa kay ma gasto, ug dili imung mga investments.

[cebu.opportunities]

sa dili lang pang hambug (naa juy disclaimer kay ang uban mas bright or nag pabright bright haha) akong insurance plus investment kay akong gi spread sa (sunlife, prulife, philam, insular). lain lain jud sila specially sa fees ,sa mga benefits, ug performance.. try jud ug study before mu palit.. adto sa insurance na kaya ra ug barato ra, kay basin ma obligado ka ug bayad (kaylangan jud baya ka mu bayad monthly/semi annual/annually anang insurance) basin mag ka utang utang pahinuon ka.

create emergency fund/savings account. para incase unsa may mahitabo naa kay ma gasto, ug dili imung mga investments.

mao sad siguro ang advantage sa life insurance with investment side ky moabot ang time nga sustainable na ang funds to pay-off the life insurance. usu. 10-20 years... kapoy mn sad gud nga mobayad ka "lifetime" especially during late part of middle age to old age and in times nga maglisod na.

[nowayL]

ask lng ko kay naa ko kaila unya cxa akong measure sa saveings:

5 years na trabaho unya mha 600K savings. sakto raba?

Para nako Bro ok kaayo ni imong kaila kay naka-save gyud siya ug 600K within 5 years. Wala man sad nimo ibutang diri ug unsa iyang work ug pila iyang sweldo. Kay kung mo monthly income siya ug 80K to 100K nya 600K ra iyang na save, para nako gamititoy ra gyud na. Not unless naa na siya daghan investments, business or assets. Ok raman gamay ug na save pero basta imong kwarta tua sa imong mga investments/businesses .... hehe

[april052009]

nalingaw ko ug read ani nga thread. its good that there are topics like these diri para mag encourage sa mga pinoys to save and invest. i think ang mga pinoys kay di pa kaayo ga prioritize ug investments then sayang ang opportunities nga ma miss.

kay sa gi ingon sa uban diri... let your money work for you... meaning work smart, not necessarily work hard.

[Butitor]

Yes interesting hilabi na pag kapareha ug age group maka inspire.
How old are you april and how much is your savings na? hehehe

[april052009]

age: 30s

savings/investments: i started years ago with mutual funds. nindot kaayo kay ako ra gibilin didto ug gipasagdan... and it has grew around 50 to 60% already. gisayangan gani ko why gamay ra akong gibutang.

assets: naka tiwas na ko bayad ug gamayng real estate. gi hinay2 lang jud bayad tawon.

i think everyone just needs to start and advantage pajud if you start young. for beginners, if mag invest mo... i highly recommend mutual funds or utif. kay pasagdan ra na ninyo long term and it will be worth it jud. basta, have discipline to leave it there longterm.

kung expert investor na... pwede na mag stocks / equities para bigger gain but then bigger risk jud ni.

[ACQUA di GIOIA]

^^ I have MF but gamay ra na percentage. I'm not against MF, it's for newbies and people who don't have time to study the market. In the long run, dako mabayran sa management fee which is ok coz u are paying for their expertise. Diretso nlng sa index stocks.

[rhodem24]

Unsay pinaka "BEST" nga bank/company para ninyo when it comes to Mutual Funds (Equity)?

Plano ko mag start unta 10-20K lang usa. PM me or reply lang diri. Thanks.