Topic: The Two Best Investment (Read 418 times)

Agree ako dito, ang totoong investment kasi ay ang armasan natin ang ating sarili ng kaalaman, kung sa crypto ang larangan ng ating source mas maiging magfocus tayo sa pagtuklas ng kaalaman dito.

Kung nasa highly urbanize city ka naman or di kaya commercial lot  ung property mo ay tuloy-tuloy ang pagtaas ng presyo every 5 years kasi un ang sabi ng broker na sinabi ko at siguro ung sinabi mo na nag depreciate ang value ay siguro biglang may fault or bahain na lugar, pero kahit matagal ang kita dito still maganda paring investment ang lupa pwede mo sya parentahan in terms at maaari mo pang makuha ang buildings na nakatayo dito pag tapos na ang iyong contract.

At tsaka may maipapamana ka sa iyong anak na malaki ang halaga in future.

Di ko pinansing yung thread na ito nung una kong nabasa pero hindi ako mapakaling sabihin na masyadong nag-focus si OP sa picture and binigay definisyon lamang nya yung mga binigay na example sa picture and baka ma-misinterpret ng ibang miyembro dito. Unang-una sa lahat if pinag-uusapan natin ang "investment sa sarili" ang dapat niyong tandaan is yung sarili niyong kalusagan at hindi ang mga courses, seminars, and conferences. Oo importante yung edukasyon para maganda ang kinabukasan pero aanuhin mo naman yun kung hindi ka naman masigla at palagi kang nagkakasakit? Diba dagdag gastos din yun? Bukod sa kalusugan niyo dapat din nag-iinvest tayo ng time sa ating sariling pamilya, kasi sila ay malaking parte ng ating buhay kayo kayo lang din ang magtutulungan. Sa examples din ng investments in "assets" madami din ako masasabi pero sana ma-gets niyo point ko na yung examples sa picture about seminars and courses ay mali o at least hindi priority kumpara sa mga nasabi ko.

Managing real estate (as in collecting rent from tenants) is not exactly "passive" income. Ang totoong passive income ay halos wala ka ginagawa, which is where the stock market comes in, kasi yung mga big companies that you own shares in, they either rise in value (capital gains) or you get paid profits or earnings in the form of dividends. You don't need to do anything, it just goes into your stock brokerage account.

Yung mga iba, meron pang tinatawag na DRIP o Dividen Reinvestment Plan, so maski wala kang gawin, dumadami ang shares mo kasi automatic na bibili o madagdagan ang shares mo.

Either you can own the stocks directly, or be invested in some ETF (exchange traded funds) that combines several companies into one fund.

Maganda ang real estate, but merely owning property is not exactly passive. Kung pina pa upa mo, kailangan mo bantayan para walang squatter, at kailangan mo maintenance o repairs, at pinaka important, kailangan ma singil mo o mag bayad yung renter. Kung hindi maka bayad, o kailangan mo evict ... it's another process.

You could also hire a property manager. In the case of something like a beach house or resort, meron bantay na nakatira doon. I know some people buy beach properties, or resorts in places like Los Banos, then rent it out. I think that falls under actively managed businesses.

Yung mga lupa kasi may market cycle din yan eh, may time na tumataas at may time na bumababa kaso nga lang napaka tagal bago kumita dito kaya naman isa ito sa mga long term investment. Real state is actually my favorite investment vehicle, sa ngayon ito talaga ang focus ko kung saan nag sstart na ako mag buy at mag pa rent para mag karoon ako ng passive income.

I kinda feel awkward when talking about investments or best investments lalo na kung hindi mo naman nasubukan yung mga sinasabing mong types of investment. We don't even know for sure kung yung author ng article ay investor nga talaga sa mga nabanggit niya or nabasa lang din niya sa libro.

I would 100% agree na one of the best investment is yourself pero yung isa pang "best" ay subjective dito, nakadepende yan sa mismong experience ng investors.

Take this for example:

Given na marami ngang nag-succeed sa real estate, it doesn't necessarily apply to everyone. There are still factors to consider. It's true na permanent ang lupa but does it automatically increases in value over time (not considering inflation)? Depende pa din yan sa location. Before investing here, better check if there will be future developments in the area. Kung sakaling may plano magpatayo ng daanan dyan at magiging mas accesible yung area, malamang tataas value ng property dun. Take into consideration also yung timing.

Actually madalas akong mag invest sa knowledge ko kasi ito yung greatest assets ko kung saan pwede kong matulungan ang sarili ko para umangat ang buhay ko. Ang iba kasi inuuna ang mag invest sa mga bagay na hinde naman nila alam kaya loss ang pinatutunguhan nila, ako kasi alam kong pwede akong malugi kaya naman kahit may kamahalan ay patuloy ako nag iinvest sa aking knowledge. Madalas akong bumili ng mga books tungkol sa finance at business at madalas din akong mag participate sa mga seminars na kung saan ma iimprove ko yung skills ko.

Look into something called REITs.. or Real Estate Investment Trusts ...

Ang problema ng real estate, is kailangan mo tutukan. You need to manage it. You need to collect rent. Kung abuso o bastos ang mga tenants mo, sakit sa ulo yan. Ikaw ang owner, ikaw mag repair kung meron sira.

Ang mga REITs, parang stock din yan sa mga companies that rent out their properties. Professionally managed, so ... collect ka lang ng dividends.

Nakakita na ako ng mga youtube videos mga landlord na maraming apartments, pero still, dapat nila puntahan o kausapen mga tenants nila, yung iba, tanggap na kailangan mag repair o renovate every time umaalis ang isang tenant, kasi sinira yung bahay, o nag iwan ng basura at kalat, o damaged and floor or walls or kung ano pa.

Kung full time mo asikasuhin mga yan, I guess pwede na since yan ang magiging income source mo. Pero mas gusto ko yung medyo hands free. You don't collect as much, but you don't also have any of the headaches, and pwede mo ibenta yung position mo any time.

Ito yung naisip ko nung nakaraan dahil nga sa balita na yan. Matagal ng company yan at yung nangyayari sa kanila malalagpasan yan kaya pabor yan sa mga stock traders na nung bumaba at maraming nagpanic, time na yun para magsibili kaso nga lang wala akong spare nung mga panahon na yun kaya ang ganda sana ng entry nun para sa lahat.

May technique sa real estate, kuha ka ng mga foreclosed properties na pwede mo hulugan sa mababang halaga tapos renovate konti at paupahan mo. Tapos yung upa, yung ang ibabayad mo sa monthly amort. Pero maging wise ka lang sa magiging area/location ng mapipili mo. Sa stocks, tama pwede na kahit sino mag invest sa stocks kaso kapag maliit ka lang talaga at wala kang long term na plano, dapat hindi ka nalang nag stock.

If you have the ballz, even an inch or dump sa bitcoin market wouldn't matter at all.

Image says it all.


Controversy ngayon yung shutdown to abs-cbn saatin ngayon at bagsak ngayon sila sa stock market few days ago. I must admit isa ako dun sa bumili last few days ako at right now 25% increased ang ABS-CBN Corp. Market.

Example lang naman yun. Individual stocks are risky no matter which company. If you get the top 100 companies and invest in them more or less equally, then you distribute your risk across all of them, which is exactly what broad market index funds do.

The S&P includes Microsoft, Apple, Netflix, Visa, 3M, Adobe, Accenture, AMD  ... Google (alphabet), Amazon, American Airlines, ... Facebook, Seagate, Starbucks, Twitter, Walmart, Walt Disney, Western Digital, Whirlpool, Xerox, Zerba Tech. ... basta top 500 companies in the US, which usually means top 500 companies na rin of the world. The actual list gets updated all the time, and the ETFs or funds that follow this benchmark also update all the time.

Hindi equal ang distribution, mas malaki, for example yung technology stocks kaysa sa iba, so Microsoft has a larger percentage. Ang tawag dito market-weighted.

So ... hindi ka malulugi basta buhay pa ang mundo. Long term.

The other thing about the stock market is to make sure you understand the difference between equity stocks and fixed income or bonds. Usually the two are considered "opposites", so kung takot ka ma lugi, dadamihan mo yung bond allocation ng portfolio mo.

By getting into index funds, you are not trying to beat the market. You are simply matching the performance of the market. Or, you are buying the market. There is literally $10 trillion USD of investor cash in the companies that make up the S&P 500.

+1

I wouldn't put Apple and Tesla on the same category though. Though mas kataasan ang risk dahil individual stock ang Apple, multi-decade business na ito compared to Tesla na over-the-top hype ung stock; and knowing na ung Tesla worth more than every other automotive business besides Toyota this early on? Very very questionable ung valuation.

But yea I agree mostly.

Crypto = high risk, high reward. But if you stick to just BTC and/or ETH, and buy and hold long term, the risk is a lot less, or mitigated. Halos parang walang risk naman, basta long term talaga.

Stock market = individual stocks are high risk, high reward, kung meron ka like Apple o Tesla ... you can see na mabilis umakyat, pero mabilis din bumagsak. But getting the whole stock market or a broad based index fund is relatively safe. S&P 500 is made up of the top 500 corporations in the US. Always goes up long term. Always. Up.

For long term, wala pa rin tatalo sa index ng stock market for the last 50 to 100 years. Crypto is only 10 years old, but I can also see that it's a good investment, basta long term.

Kung day trader ka or anything risky like that, pwede ma lugi. If you rely on crypto as a source of income, pwede ka rin ma lugi. You should not rely on it.

Indeed

Yun sana ang gusto kong malaman ^{[pero I understand]}

Pwede mo rin iapply yan sa carwash dahil ang importante magaling yung maglilinis, di masyado importante ang mga mamahalin na gamit. In regards naman sa pwesto, marami akong nakita na maliliit na carwash nun umuwi ako sa pinas at madalas puno sila dahil in-demand tlga.

Kung anuman maging plano mo sa future, I wish you all the success bro

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Sinama ang Annuities at Real estate pero hindi sinama ang stock market. Parang may mali ata kasi kung iisipin mo, sobra laki ng entry level sa real estate at maintenance compared sa stock market. Sa stock market, maliit man ang kita, sure naman ang 4% annually. Isama pa natin ang mga stocks na nagbibigay ng dividends. Sana isama ito sa list kasi isa ito sa pinakamagandang investment na available dito sa pilipinas.

ASSETS, isa ito sa pinagtutuunan ko ngayon. Ito yong mga meron tayo na magagamit at mapapakinabangan natin in the future. I do have just the two which are gold and bitcoin. Lahat tayo may pangarap sa buhau, if we can just learn how to manage our assets, we can achieve our goal in life.
 
 For that "YOURSELF", BOOKS are better for some. Pero sa tulad kong mas madalas hawak ang mobile phones, wala namang masama din kung may pundasyon tayong learnings through online articles, etc. I, myself learn everything from internet. About naman sa COURSES, isa ito sa lately kong bina browse dahil interesado akong mag join sa mga crypto courses to build my knowledge. Mejo pricey ang mga nakita ko sa internet and I am still thinking kung itutuloy ko ba or hindi.
 As for the mentor, I do have a mentor since the beginning. It is really effective para ma build hindi lang ang knowledge na kailangan natin but of course the confidence that we need.

Ganito dapat yung mga topic, ang ganda kapag tungkol kung paano mapalago ang ating mga hawak na pera. Sa ngayon para sa akin ang lupa ay ginto at yan lagi ang tinatatak ko sa isipan ko. Ang mga mayayaman, lahat yan may mga real estate investments, mapa-SM, Ayala, basta halos lahat sila merong mga investment yan sa real estate kaya maganda yung paupahan na business kasi meron at merong uupa niyan. Kung wala pa, wala ka naman talo kasi nakatengga lang. Iwas ako sa stocks muna mas prefer ko ang crypto, high risk pero high reward pero sa stocks mabagal ang galawan. Nasa isip ko na rin yung sinabi ni harizen na parkingan for rent pero sa Metro mahal na mga lupa pero pag maka jackpot talaga, yan ang isa na gagawin kong negosyo. At syempre, hold lang ng bitcoin at ibang mga altcoins.
Ngayon, pinagpa-planuhan ko naman sa courses at magdagdag ng skills o di kaya mag-masteral para pang dagdag credential at pwede din mag-apply ng mga part times na may high paying per hours.

Keep it coming guys at I-share niyo mga naipundar niyo o businesses niyo para magkaidea tayong lahat.  

I think, at opinyon ko lang, maybe wag muna isipin ang annuities. Kasi the definition of an annuity is some sort of insurance product that you pay a lump sum, in order to get guaranteed payments either immediately or in the future for the rest of your life or a minimum number of years (which can pass on to a spouse or heir if you die early).

Hindi sya life insurance na pag namatay ka, may pera sila. Pero parang "death insurance" na habang buhay ka pa, meron ka matatanggap.

Ang problema dito is malaki ang bayad mo. In most cases, it is much better to invest this in the stock market.

In the case of the Philippines, the simplest method is to put it into the index, such as Phsix or Philippine Stock exchange index. This index includes the top 30 corporations in the Philippines, kasama na dyan yung Ayala, SM, mga banko, San Miguel, Jollibee... top 30 in the country.

I think there are only 300 in the exchange. este, 274 lang pala, hindi pa umabot sa 300.

For other countries, a good one would be the US stock market, since they are one of the biggest in the world. Just get S&P 500 or even one of the Total Stock Market funds. Uso dito ang mga ETFs, kasi usually index ETFs are much better and simpler than Mutual Funds and also have lower management fees.

Ngayon, ang isip ng mga tao, kasi naging kasabihan, "don't invest more than you can afford to lose." This does not apply to broad market index funds. It applies when investing into a single company.

Kung top 30 or even top 300, kailan mo nakita bumagsak ang Jollibee, BDO, BPI, Ayala, SM, San Miguel ... lahat lahat, ng sabay sabay? Kung ang isa sa mga top 30 hindi man bumagsak in the past 30 years, how about all of them combined? Hindi ka malulugi at all, unless magkarun ng giyera ... at pag nangyari yun, iba na ang pinoproblema naten. Literal na papano mabuhay na.

In the same way, there are thousands of corporations in the US and the rest of the world, the DOW or DJI (dow jones industrial index) only looks at the top 30, the S&P 500 looks at the top 500, and the Total Stock Market Fund follows about 3000 publicly listed companies.

The indexes as a whole are self correcting. They always go up, unless nga, world war 3, or if the recent virus wipes out all humanity.


As for Gold and Bitcoin, I believe everyone has their own opinion on these, you can diversify, get a little of both, pero medyo mahirap ang gold sa bansa naten. You'll have to go to precious metals dealers.


For all of the above, buy, or acquire, and hold. Yun lang.

Maganda talaga na may kaalaman ka na mas malalim if ever na mag iinvest ka, gaya nga ng sinabi mo dapat talaga nag iinvest sa sarili.
Kung may pagkakataon at meron namang pera magparticipate sa mga paid trainings and mag invest sa mga librong may malaking pakinabang
before ka mag start na mag invest sa mga negosyo or investment platform.

Of all the type of investment you shared, I think for now i have only invested in bitcoin but I don't have a whole yet, so I can't say in the future it could change my life. For me, everyone should try to ensure that they save and invested at the same time as that is the only way to achieve financial success since not all the time we have to work, we also think of our retirement.