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“Debt free na ako, pwede na akong mag-invest…”
These are the words a friend told me two years ago.

Unfortunately, a member of her family got ill again. Her mother was diagnosed with cancer which later on complicated to multiple organ failures. Multiple critical illnesses happened to her thrice since 2009. And because of her continuing medication and hospitalization, they were forced to sell their business and a parcel of land to cover all the costs. Even her sister was forced to stop going to school.

To keep up with the huge expenses, they learned they had to ask assistance from different institutions. They also had to borrow a total of three million pesos to cover all the medical procedures. It only happened to just one family member but the implications was certainly catastrophic. My friend can still vividly recall those days when her mother is waiting for the doctor at Philippine General Hospital…. feeling sorry because they couldn’t bring her to a private hospital for better care. It’s one of the most heartbreaking moments for her.

When her mother died, she found out a note in their cabinet while fixing things at home
It is a handwritten retirement plan of her mother. Apparently, she made a plan a year before her 60th birthday. By then, she must have realized that she needed to rebuild her finances after it was depleted by this unplanned circumstances.

As a daughter and the eldest child, it was heartbreaking for my friend to go through that… always asking “How could I help?” Her personal fund was similarly exhausted due to her own financial needs. Only later that she found out that there is a ready solution for these challenges — to be protected by an insurance.

Realizing this, she one day told herself, “I don’t want the same thing to happen to others anymore; not to my friends and to every Filipino I will encounter.” Years later, she joined an insurance company to advance this cause. Having experienced the mistakes of her parents, she has now helped many people to avoid that painful experience to others.

Preparation is half of the battle.
I hope that reading this will inspire and remind you of the importance of beginning as early as possible. While young, it’s always a better choice to get ready for your future medication and start creating your retirement fund while you still can.

And this preparation doesn’t have to be big.
Small consistent efforts will pay off in the long run.
Start to set aside a portion of your money that can fit your budget.

Spread this message and just like my friend, let’s unite in helping every Filipino household to have stable finances and ensure a stress-free life in our retirement age.

Avoid losing money and become a smarter investor!

Join my online training program for newbies(for OFWs too!) and learn how you can do stress-free investing!Click HERE!



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Everybody wants to be rich and achieve financial freedom.

But why can’t we level up in our financial life?

Sharing my weekend realizations why we never progress so much in any aspect of life as much as we want to.

Happy investing!

THREE REASONS why we are STUCK in life - YouTube

Avoid losing money and become a smarter investor!

Join my online training program for newbies(for OFWs too!) and learn how you can do stress-free investing!Click HERE!



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Just sharing this invite in this beautiful time of our own Philippine stock market..
Happy investing!
***

Pssst… the Stock Market is at an all-time low.
Start making your millions now!
Do You Want to Know How?
Join me in the  How to Make Make Millions  Through the Stock Market Seminar
on July 28, 2018 in Taguig City.

Hi.

I know you’ve received this invite many, many, many times before. And maybe, each time you receive invites about the Stock Market Seminar, you say, “Not yet.”

“I don’t have extra income yet.”

“It’s not for me.”

Or maybe, you’d be one of those people who say, “I’ll start when it’s the perfect time.”

I have a friend who shared that she said the same things before. She’d always wanted to join the How to Make Millions in the Stock Market seminar, but she felt as if “it was not yet time.”

She was earning P20,000+ a month, but she had to pay for the mortgage of her condo, the association dues, plus utility bills and daily expenses.

So she didn’t know how she could find the money to “spare” for investing.

But, you see, here’s the thing. It’s not how much you earn, but how wise you are in spending what you earn.

My maids’ salary was P7,000/month when they started investing in the stock market.

My helpers knew enough to save a little every month. So they don’t send everything back home. And for a few months, their savings accumulate. It would reach P2,500, and they’d be happy.

But then, the inevitable would happen.

Their families could somehow smell that they had extra money. So they’d send text messages: they needed money to repair the roof. A cousin’s cousin’s sister was admitted in the hospital. Their sister’s husband’s cousin thrice removed needed to buy a cow. (OK, I’m maybe exaggerating a bit.)

So, they would send it. And they’re back to zero. Again.

I figured that increasing their salary wasn’t the solution.

What we needed is a system.

This system was so effective, they are now millionaires.

Last year, one of my maids had finally hit her first million. She now has P1,471,874 in her Stock Market account.

My other maid has P1,053,521 in her account.

And here’s a fact: My Maids are now richer than many Managers.

I’m not kidding.

You see, I talk to a lot of Managers when I give corporate seminars.

Many of them have Zero savings and are buried in debt.

My maids? They’re confident that they’ll have P10 Million when they retire.

IF THEY CAN DO IT, YOU MOST CERTAINLY CAN DO IT TOO!

It’s this simple. If you’ve got 20 minutes a month, you can work a financial miracle in your life.

Each month, my maids bought the Stocks I told them to buy.

It wasn’t easy, believe me. There were days when they didn’t want to invest their money—because they wanted to buy something. But with my coaching, they disciplined themselves and invested their money.

All it takes is 20 minutes a month.

First, set aside 20% of your salary each month.

Next, put in your small amount into the Stocks I tell you to buy—which can be done all online, seated in front of your computer, in the comfort of your home. And that’s it. Do this each month and you’re all set to retire a multi-millionaire.

Here’s the deal: Whatever small amounts you can put into the Stock Market today will be worth millions 20 years from now.

I believe that investing (not trading) in the Stock Market is one of the best ways of growing your passive income. Yes, there’s a difference between trading and investing. And my eBook and special Reports will teach you the difference.

My Promise: You’ll Be Able to Understand Me

Do you know the problem with the Stock Market world?

They don’t speak English. Honest.

They speak a strange dialect that is spoken only in the second moon of the planet Uranus.

But I’ve solved that problem. If my maids can understand me, then anyone can understand me.

Is This for You?

I have to be honest with you: This may not be for you.

I don’t want you to get into something that isn’t for you.

First of all, this isn’t for the person who doesn’t have a job or business.

In order to invest regularly, you’ve got to earn regularly. (My Maids earn a smaller salary than Managers, but you see, it’s not how much you earn, but how much you keep of what you earn.)

If you have a regular income and are willing to set aside a few pesos a month to invest in long-term investments—so you can create millions for your future—then listen up.

Time flies like torpedo.

So here’s my big question for you: What will you do this 2018 to start growing your finances?

Will you do something now?

Or will you be again wondering at the end of 2018, “Where did the year go? Why haven’t I done anything to secure my financial future?”

If you want me to help you, join me in my How to Make Millions in the Stock Market Seminar on July 28, 2018 in Taguig City.

At the end of the seminar, if you don’t have a stock broker yet, we invited COLFinancial, the #1 stock broker in the country, to be there to help you open an account with them. My team will also guide you—one step at a time—how to operate their website and buy your first stock!

Warning: Many times in the past, this seminar gets over-booked. I suggest that if you’re serious in learning to invest in the Stock Market, sign up right away.

May your dreams come true,
Bo Sanchez

P.S. Sorry, this isn’t a quick-rich scheme. I’m going to teach you how to be wealthy over time. To sign up for my How to Make Millions in the Stock Market, Click the button below:

Avoid losing money and become a smarter investor!

Join my online training program for newbies(for OFWs too!) and learn how you can do stress-free investing!Click HERE!



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You have seen the viral story on the 52-week challenge in which you consistently set aside a part of your salary or allowance . By saving Php10.00 per day, increasing by Php10.00 every week, you can save up Php13,780.00 in 52 weeks. What makes this story amazing is the fact that it’s not easy to save money consistently even if it’s only for a several pesos. Sadly, many employed Filipinos are still surviving on a paycheck-to-paycheck basis. The Philippines has one of the lowest savings rate in Southeast Asia, according to the Bangko Sentral ng Pilipinas.

With a low savings rate, it’s no wonder why very few Filipinos bother with investing. Saving up is not the end of it all. You should be placing your money in investment vehicles that will reap returns. As the saying goes, let your money work for you.

It’s never too late to get your finances, and life, in order. What’s important is you commit yourself to your financial goal and keep on learning. Explore recommended investment tools for millennials.

Photo courtesy of Stevepb from Pixabay

Mutual funds for beginners

These recommendations are extended on the premise that you’re debt-free or at least keeping your obligations up-to-date. Remember that investing must only be done when your bills, loans, mortgages, and other obligations are taken care of. It’s also rule of thumb in personal finance that sufficient health and life insurance coverage go before an investment portfolio.

Start your journey in stock investing with mutual funds. If you haven’t heard about these vehicles, think of it as baskets of stocks, bonds, and other investments managed by professionals. Your money, which buys you shares of the basket of your choice, is pooled together with other investors’ to purchase the “component” investments. A mutual fund allows you to participate in capital markets such as the stock market, for an affordable amount.

Bank-managed UITFs

The concept of Unit Investment Trust Funds (UITFs) is similar to mutual funds. These bank-managed funds also pool investors’ money together to buy stocks, bonds, and other investments that make up an “investment basket.” In a UITF, you own units while in mutual funds, you own shares. As a shareholder in a mutual fund, you may exercise certain rights including the right to inspect the corporate books and the right to vote the board of directors. Both UITFs and mutual funds are managed by professional fund managers. These investment products offer the opportunity to boost your funds.

Variable life insurance policies

You should know that insurance companies today offer a variety of products that suit people’s changing needs. There was a time when there were only traditional insurance plans or those in which you pay fixed premiums for a fixed death benefit. But with the trend of a longer life expectancy, people want to enjoy the benefits of their insurance. Thus, there are insurance products that feature investment funds that boost both the death benefit and the cash value of the policy. If your fund performs well, you have the option of withdrawing a portion of the cash value. These insurance products, which are popular in the US, are referred to as variable life insurance policies.

A college pot for your child

Photo courtesy of Sasint from Pixabay

Where to invest for your child’s college fund? Every millennial parent should have a game plan on how to fund his/her kid’s university education. If you want to send your son or daughter to medical school, it’s recommended that you invest early. Manulife GradMaker allows you to place affordable amounts, which shall be invested in securities, bank products, and others that offer higher-than-average returns. This product is designed for busy parents who need to track their investments with the most accessible channel — their handheld gadgets. You can start growing your child’s college fund for as low as Php10,000.00.

Stock investing made simple

Placing your money in a savings account is just the first step. You need to invest it in a product that will earn higher than the inflation rate. Inflation is rise in the price levels of goods and services. Your investments should be beating the inflation rate, otherwise there is a depreciation in the value of your money. When you’re depositing your money in a savings account, you’re effectively giving the bank a loan, which in turn offers you a 2% interest rate annually. It’s time to look beyond these products.

Be your own fund manager. For as low as Php5,000.00, you can start buying listed stocks on the Philippine Stock Exchange. Some of the popular online brokerage are COL Financial Group, First Metro Securities, and Philstocks Financial. You simply sign up, fund your account, and buy stocks using your smartphone or laptop. The brokers charge very minimal transaction fees in exchange for using their platform. If you want to sell your holdings, you can also do so online and the proceeds shall be deposited in your enrolled bank account.

Some words of advice

Photo courtesy of Free-Photo from Pixabay

Do you know that billions of pesos are scammed out of Filipinos each year? Don’t just jump into an investment offer. Take the time to research about the company. You may check whether the company is registered with the Securities and Exchange Commission and if there are pending cases against it and its officers. You can also search online for relevant information about the company. Many victims of fraudulent schemes share their experiences and frustrations online.

If it’s too good to be true, it must be. Remember that investing involves risk-reward trade-off. You may earn as much as 100% of your money in stock investing, but you may also lose your entire placement. The key is in understanding your risk profile, matching it with the right investment product, and continuously educating yourself. And of course, allow your stock investments to recover — you’ll only lose money if you choose to “realize” the losses.

Stop making excuses. Begin your journey towards financial wellness today. If you think you’re earning enough to save and invest, you may need to reassess your lifestyle and/or consider getting a part-time job to boost your income. Put an end to your paycheck-to-paycheck lifestyle. Save and invest!

Avoid losing money and become a smarter investor!

Join my online training program for newbies(for OFWs too!) and learn how you can do stress-free investing!Click HERE!



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