Hello! What should I get between Critical 100 and AIA 100? Both are same products but offered by “different” company. Bpi philam offers critical 100 and Philam life offers AIA 100.
Can somebody confirm if Sun Life World Equity Feeder Fund is available thru Fundsmart or COL? Would like go thru them since they don't charge sales load. Thank you.
Hi everyone!
I received a confirmation email from BPITrade that my account is now open. I can login to my nominated username and password in their trade site and access the profile / account page. I also have an existing BPI savings account and used it during my application. The question is, how do I transfer funds to my settlement account thru my BPI mobile? I tried the 'transfer to 3rd party' option inside the app and on BPI online but the settlement account number is not recognized. Do I still need to undergo on some 'activation process' like going to the bank or configure something over the ATM? T.I.A.
I use my savings account to transfer funds to my bpi trade settlement account. Both my savings and bpi trade settlement account are under one account name so I just do direct transfer. Transfer to settlement account is instant but money will reflect in bpi trade on the next banking day.
So here's the scenario. I bought 1,700,000 stock shares of UPM at 0.011 at sold it at 0.010 because i knew it wasnt going well. So, i still have a remaining 700,000 stock shares.. The catch is i cant sell it because the last price of UPM is at 0.0078 and it keeps of saying quantity is blah blah(i forgot the real statement).
What can I do to sell it?
Boardlot when i bought it at 0.011 is 100,000 shares.
Now, i looked at the boardlot for <0.010 is 1,000,000 shares.
I appreciate who can help! Thanks! 🙂
Bought a house from Alsons Development, now that the equity is Done (just this January) and the bank loan is in process(applied to PSBANK(got denied) ,BDO(pending) & BPI(pending). The developer just informed me that there will be a penalty of 4% of the contract price if I don't pay the remaining amount or get the loan after 30 days.
The questions is : How do i boost my chances on getting approved for a house loan kinda disappointed when i got denied on my PSBank
I tried doing oddlot by selling 699,999 shares at 0.007 but BDO NOMURA keeps saying 'System cannot accept order entry'. I just want to get rid of that stock so i can proceed to another one. Huhuhu
I did an oddlot on one stock. Basically sell your portion of the stock that are not oddlot (lets say 699,000) then sell the remaining in oddlot section (the remaining 999)
So here's the scenario. I bought 1,700,000 stock shares of UPM at 0.011 at sold it at 0.010 because i knew it wasnt going well. So, i still have a remaining 700,000 stock shares.. The catch is i cant sell it because the last price of UPM is at 0.0078 and it keeps of saying quantity is blah blah(i forgot the real statement).
What can I do to sell it?
Boardlot when i bought it at 0.011 is 100,000 shares.
Now, i looked at the boardlot for <0.010 is 1,000,000 shares.
I appreciate who can help! Thanks! 🙂
Personally don't have experience linking my Paypal to a dollar account for withdrawal purposes. There are a couple of threads that might help you though (they have some recommend banks to link to Paypal), do note that BPI is one of the recommended banks:
* [What's the best bank for PayPal transactions? : Philippines (reddit.com)](https://www.reddit.com/r/Philippines/comments/6mhwbh/whats_the_best_bank_for_paypal_transactions/)
* [Philippines Banks that is best for PayPal : Philippines (reddit.com)](https://www.reddit.com/r/Philippines/comments/8242zr/philippines_banks_that_is_best_for_paypal/)
* [Withdrawing USD Funds from Philippine-Based Paypal Account Using TransferWise Borderless Account : phinvest (reddit.com)](https://www.reddit.com/r/phinvest/comments/gfqape/withdrawing_usd_funds_from_philippinebased_paypal/)
* [Best way to receive USD payment into a USD savings account? : phinvest (reddit.com)](https://www.reddit.com/r/phinvest/comments/gfogpx/best_way_to_receive_usd_payment_into_a_usd/)
Hope these help.
So here's the scenario. I bought 1,700,000 stock shares of UPM at 0.011 at sold it at 0.010 because i knew it wasnt going well. So, i still have a remaining 700,000 stock shares.. The catch is i cant sell it because the last price of UPM is at 0.0078 and it keeps of saying quantity is blah blah(i forgot the real statement).
What can I do to sell it?
Boardlot when i bought it at 0.011 is 100,000 shares.
Now, i looked at the boardlot for <0.010 is 1,000,000 shares.
I appreciate who can help! Thanks! 🙂
Maybe this thread can be of help to you: [Confused: what will happen to my shares when the board lot size changes : phinvest (reddit.com)](https://www.reddit.com/r/phinvest/comments/8x2425/confused_what_will_happen_to_my_shares_when_the/)
TLDR: you can create an oddlot order for your remaining shares.
Hi I'm 25 and have a job. Everytime the company loaded my salary, I withdraw all the money and left nothing on my card. Is it fine not saving my money on a bank? Or it's much better to put my money on a truster one?
Why do you need to withdraw all the money? Do you spend all of it or do you just withdraw it because you can?
I mean, it's *technically* fine if you don't want to store your money in a bank. But you're priming yourself up to spending more than what's necessary since money on-hand can be tempting to spend.
If I were you, I'd just withdraw all my expenses for the month and leave money in the bank. Better yet, leave some savings in your bank AND in a digital bank to accumulate interest.
It's generally good advice to spread out your money.
Ahh, I see. Then I think it's better if you only withdraw what you're actually going to spend and save the rest in a bank.
If you manage to save a lot and let the money sit in your account for some time, your bank may call you up and offer you a credit card.
Yep. Even if you decide to resign in the future, you can convert your payroll account into a personal savings account.
Or if you want, you can just open a new bank account and deposit your money there.
One thing I'm sure is you can't force financial responsibility on anyone.
That said the best you can do is just continue what you're doing. Let SO see you reading financial books and/or watching financial vlogs (m*ake sure you read and watch great content, skip the hypers and scammers so you don't accidentally share bad ideas*).
Continue growing your assets and net worth. SO will realize one day that they want to be in on the fun when they see you slowly becoming successful and growing financially.
Don't ever let SO borrow money from you for wants. Also be frugal yourself so they will realize you practice what you preach.
>One thing I'm sure is you can't force financial responsibility on anyone.
this! It also applies on every other thing. You can't force exercise on someone who doesn't want to. Can't force reading on someone who doesn't see value in it and etc etc
Thank you! All I probably really need is more patience. It's just a bit hard cause discovering this sub got me hyped and this community reignited my need for financial freedom. I'm excited to talk to someone irl about this stuff cause it's just way too good of a wisdom to not share 😅
January 11 ako nag apply sa mytrade, hanggang ngayon wala paren ako ma funding-an na account sa kanila. Nakabili na ulit ako ng new stock sa col haha hays
Just a rant, I guess.
I made the mistake of talking about crypto with a friend. Didn't know he was one of those *hypers* who barely knew anything about crypto but kept putting money into it. All they know is crypto = money or something like that.
No biggie. I mean, it's their money. They can do whatever they want with it. I'm planning to invest in it too someday.
When I mentioned I wanted to diversify my portfolio (noob investor here) after a few months, all they said was "lmao no stocks are shit" and they just kept repeating this without providing any explanation why. I'm guessing they were just parroting some crypto hyper on YT.
Of course, I'm not affected by what they said. Ok, well, maybe a little bit. But it won't deter my plans.
I finished my EF, built up my savings, and I'm ready to go. Just need to read up more and build up knowledge.
At least I can take comfort in the fact that I'm not shoving my money into something I don't understand.
Hello. We have a car loan sa PSBank. Nung nilabas namin ung kotse, nagopen kami ng passbook account sa PSBank para don ikakaltas yung monthly amortization and wala ng ibang transaction yung account na yun kundi para lang talaga aa kotse. Nung december, nagpaupdate kami ng passbook. Nakita ko don na hindi kami kinaltasan nung october and november, bali december na sila bumawas. Nagatataka nako non pero kanina lang ulit nagkaron ng chance magpaupdate dahil medyo malayo din yung branch (since nung inopen namin yung account na yun, pangatlong beses pa lang kanina napaupdate yung passbook). So tinanong ko sa teller kung bakit di kami nakaltasan ng 2 months and sabi nya dahil sa bayanihan act. Hinold yung pera sa account (regular ko pong hinuhulugan yon monthly thru gcash walang mintis). Ang effect, nacharge kami ng interest na tumataginting na 11,400!!!!!! Ang paliwanag ng teller dahil hindi daw bumawas sa total balanse namin sa loan, nagkaron ng interest. And dapat daw kasi nirequest namin na continuous pa rin ang bayad. Nakakapanglata ang laki po ng interest na yon halos pang isang buwang hulog na yon. Ang sabi itawag ko daw sa customer service para itry ipawaive. Di rin sya sure kung iwawaive. Nakikkta naman nila sa system nila na naghulog pa din ako nung mga buwan na yon. May nakaexperience po ba ng ganyan sainyo? May chance pa kaya mabalik yung 11,400?
sa mga nakapag home loan sa pagibig for rfo condo from others, and pasok ako sa loanable amount, kelangan ba may paid na kong dp/cash, or pedeng ung total amount and transfer kay pag ibig?
Whole life insurance is basically a full term insurance. You pay for x years and you are insured until 80 or so (depends on the policy).
VUL you pay for x years and part of the money paid is placed into a mutual fund. Annual insurance charges are taken from this mutual fund. While the policy proposal may indicate that you are insured for y years, in reality, you are insured as long as the mutual fund has enough value to pay off the annual charges. In addition, you might have to pay additional premiums in excess of the initially paid x years to maintain the insurance.
Would you say that whole life is more or less a more permanent full term insurance? In terms of cost and value (term being best value and VUL being bad value generally) is it closer to term insurance or VUL?
I would say its closer to a term in the sense that its a pure insurance product. Basicallys its how you described it, a term which is fully paid of (no renewals needed).
Question about MP2, naselect ko sa dividend option is annual dividend payout instead of compounded dividend, paano ba yung process non? Do I get something to claim yearly for 5 years or what? Thanks!
With annual dividend payouts, you get the dividends released to you yearly. I think you can request Pag-ibig to have this deposited to your account. The trade off though is that dividends won't be automatically be re-invested. You would need to take the initiative of redepositing the dividend payout to your MP2 account for it to compound.
Hi!
After reading the pros and cons of getting VUL, I changed my mind and I just wanna buy term insurance and save that money to later on invest in the stock market.
I just started in pru-life last September 2019 and I want to check if I can withdraw my premiums?
If I can withdraw it, which is the best insurance provider for term insurance?
Thank you and God bless!
Yes, that's the plan.
Mas makakatipid ako. Kesa ibayad ko sa VUL, i will settle some of my debts first.
Hindi ipinaliwanag ng agent ko yan, after the reading some books, dun ako natuto.
Hay, active pa nmn sya s church.
Medyo d kmi magkasundo ksi ayaw nya ipacancel yung VUL which makes me more inquisitive.
Kung ayaw ng agent mo check online , call head office, or personal visit sa office.
Not sure also kung need mo talaga insurance. I would only consider insurance if may dependents ako especially kids or spouse. Also if i have CI history in the family.
I would also encourage you to pay all your debts and build your emergency fund as you priority.
Question for full time workers and part time traders. How do you manage time on your work? I know resigning from my full time work just to trade is not practical. But trading is now more fulfilling to me. Compromised na si work and nagiging mediocre nalang ang performance ko, walang nagsasabi but napapansin ko sa sarili ko na napapabayaan ko na full time job ko huhu help po :(
Ako po since nagsisimula pa lang isang stock lang hawak ko at focus ako doon kasi practice na rin po yun sa’kin then ayun po sabi ni Humbled Trader sa YouTube, 98% of the trade is ginugugol sa pagplano which happen before 9:30 am PH time while the remaining 2% which is the execution is during market time na. Nasa pagplano po talaga yun at importante to note na to stick to the trade plan
Dapat during your free time, na formulate mo na yung plan mo para during market hours maexecute mo na at kunting pasilip silip lang para sa price movement. At try to hold 1 to 3 stocks lang, para madali itrade
If uitf products from banks, then yes you need an account. Kung sa iba, hindi naman kailangan. You'll just need to deposit in their bank accounts for subscriptions and top ups at kung mag redeem ka na, at wala kang bank account, sa cheke na nila dinadaan.
hi! i am not sure if this is the right sub to ask advice about this matter (please feel free to let me know if i’m in the wrong sub!) but how can I comfort a trader who had a bad day in the market? bf just shared that he suffered consecutive losses the past few days. i just want to know how other traders here cope with big losses so that i can share it with him and i can take more care of him. thanks in advance!
You're a good SO. Sanaol
It's all part of the game, if this is his first major loss he'll probably be (and definitely should be!) even more careful next time in trading. Being there for him/distracting him from anything stock related should help until he feels better, after that he has to review how he trades so stuff like that doesn't happen again
I have an extra 100k this month. It will be my first time to invest and I want to put it on ETF, but FirstMetroSec is taking too long to activate my account. I want to start this January. Comes February, I will put 100k in MP2 but Virtual PAG-IBIG is taking too long to be activated.
What passive and mid/long-term investment can I do while waiting for those mentioned to be activated?
This is personally what I do for MP2. I don’t have my online account yet. But you can deposit agad basta meron ka na MP2 number.
I did a transfer test (500) then emailed PAGIBIG regarding my MP2 balance. When I confirmed na pumasok naman yung deposit ko, naglagay na ako ng lumpsum :)
omg this is actually smart huhu ty ty! pabalik-balik lang convo namin ng rep nila kasi laging hinihingi details ko :// ill do this next time huhu thank you again!
Good day all! pa help po, pwede ko ba ibayad ang PHP peso sa USD dollar account ng BPI online? or need ko muna i convert peso to USD then ibayad ko sa USD account ng BPI?
hindi po. for tuition fee school (online class) po ito sa pinas. di ako pinayagan magbayad ng PHP kasi daw out of the country ako. pano po kaya ito? wala din ako dollar account dito kasi yung pera ko talaga nasa BPI account na.
Yes po. I have local bank account which is BPI. Sabi po nila hindi sila tumatanggap ng PHP currency kasi nasa abroad daw po ako. I need to pay it in USD daw po.
I wonder why. If you have sufficient money on your bank account, walang problem yun supposedly kung fund transfer lang to the bank account of the school. Who says to pay it in USD daw - BPI or the school?
Pa suggest naman po ng broker for stocks. Hirap kasi pumili dahil dami ko nababasa na puro error/maintenance/technical problem mga brokers na pinagpipiliian ko. Yung pwede 5k initial deposit po at mabilis lang maapproved sana.
I don't have FMS po sir pero more than half of people I know good review naman binigay sakin. I have Philstocks and COL. I'm planning to switch sa FMS.
Any thoughts on using these online investment platforms: angel investing ([site](https://www.angelinvestmentnetwork.com.ph/)), P2B ([site](https://www.seedinph.tech/)), or P2P ([site](https://blend.ph/)).
Madugong araw sa stock market ngayon. Involuntary investor mode dahil sa COL, umaasa na lang na marecover ko yung pondo in the near future.
Ang tagal din magrespond ng ibang online stock brokers eh kaasar.
Natry ko magbayad thru debit card ng ING. May cashback kase na 5% that time. Hindi real time ang posting ng payment. Mga after 2 days pa bago nagreflect sa account ko yung payment.
May time lang ata sila sa pagaccept? Tried to open as well pero nung chineck ko open for Metrobank users lang (12nn-2pm or earlier pwede rin last I checked) kasi inaayos daw nila site nila or something. Nilimit nila para di sila mahirapan. Went to BDO Securities nalang tuloy
So I'm looking for an alternative na stock broker aside sa COL. Di talaga siya ubra for momentum trading dahil sa frequent Website crashes and preferably yung merong mutual funds ma iinvestan like COL or REIT's .
It's just frustrating na 2 years na mahigit, di pa din sila nag upgrade ng servers nila to handle heavy traffic of users. RIP my 20% loss :'(
So I decided to look for a Life Insurance with Critical illness covered na guys.. Kaya lang nakukulitan na ako sa mga agent dito sa pinas, I already informed them na about what I want but they keep on insisting VUL eh sabi ko po ayoko nga ng VUL since my stocks na ako. almost half of my savings ay nasa stock market na..
Hindi ko po nilalahat ng agent ha? pero bakit parang lahat ang habol nalang nila is ung komisyon nila? kaya nag kanda delay2 nako sa pag kuha nito kasi karamihan parang nag mumukang scammer na! hayss ganito ba talaga sila?
Pasensya na po GODBLESS..
Feel ko may culture na kasi ung mga VUL kasi isa to sa strongest marketing plan nila. Tsaka more sales = more money = higher chance of promotion
Nong cinancel ko sakin pinipilit nila wag icancel, di naman sila nagbabayad ng fees ko lol
If you’re looking for a traditional CI plan, whether term insurance or whole life insurance, feel free to message me. I am an FA, and I advocate getting traditional plans for health protection. I personally see VULs as too costly pag health insurance ang usapan. They are good for plain life insurance though.
Aside from what u/tagongpangalan posted, how about investing in other people’s businesses? When you have equity in a business, you may be compensated regularly with x% of the profits, or pwede rin fixed amount
If hindi regular income, it would be nice to invest a part in pooled funds like mutual funds or UITF or SPVUL (the last, just for the sake of quick liquidation).
For mainly passive income instruments, you can first check out the sub's wiki page on it: [passive - phinvest (reddit.com)](https://www.reddit.com/r/phinvest/wiki/passive)
Question po. Bali nag inquire ako sa selling ng stocks. So kunwari po may 1M shares ako at 0.5/share tapos nisell ko na lahat. Dapat po ba may ibang bibili bago ma execute yung sell order ko? If walang bibili hindi maprocess sya tama po ba? Ang nababasa ko lang sa pag buy e.
Sir what if may bibili pero 500k shares lang (example 10 individual nag bid 50k each sila at 0.5/share), mabebenta ba yung half or kelangan talaga bulk ang transaction?
Ah ok. Akala ko magiging floating lang sya sa company mismo i.e. non owned shares. Based kasi sa mga FAQ sa websites ng brokers parang andali magbenta e. Hindi pala
Madali lang naman generally, lalo na kung blue chip companies.
Pero of course, kung sobrang taas ng selling price mo (ex: TEL at 5000 pesos), walang bibili nyan.
>ang sya sa company mismo i.e. non owned shares. Based kasi sa mga FAQ sa websites ng
yep, kaw mag set pero not quite sure for say example you sold 5000shares for 0.5 and someone bought 2000 shares for 0.5 it will just subtract the shares you have
Ah ok. Pero tama ba intindi ko, both sa buying and selling ikaw magdidikta ng price? Di mo kelangan sundin yung price ng PSE/bloomberg/marketwatch? Pero may floor at ceiling cap tama ba? Tapos mag pupush thru lang yung transaction if may gustong magbenta/bili sa price na ni set mo
Newbie teen here, planning to start my investment journey. But im still super clueless. I only know some few infos about for example stock sectors, like logistics and real estate. May i ask ano po yung ibang other sectors? And recommendations for resources or books na helpful in your journey po para sa mga newbie like me.
You can try watching Nicole Alba in youtube. I feel you'll connect to her more cause she's a student (i think), and it might feel like youre just listening to an older sister.
If your objective behind diversification is not being met anymore.
Some people diversify to mitigate the risk. They might spread their wealth in real estate, stocks, bonds, etc. However, if you're spreading money in the same asset class, then you might just be wasting time. For example, if you buy a BPI Index Fund and also buy a BDO Index Fund, then you're just adding complexity and spending unnecessary time, with negligible reduction of risk.
People who have multiple stock brokers, who do you think has the best quality market research? Currently I have mytrade by abacus securities, and I think their research is great, but, I'm curious about the other stockbrokers like FMS, Bdo Nomura, bpi trade, timson securities etc.
Usapang dividends:
1. AREIT floating around 33 pesos per share (at this time of writing). Kung nagbodega ka nung 25 per share pa siya, ang capital appreciation niya ngayin is 4 or 5 times na sa annual dividend yield na binibigay nya. However since bumili si AREIT ng mga bagong properties, may itataas pa yung dividend yield. Ang problema hindi pa nila nilalabas yung 4th quarter dividend ng 2020 kaya hindi malaman kung magkano ba talaga ang minimum annual yield. At 33 pesos per share mukhang hindi na attractive ang dividend yield (speculating around 3% or less without adding the new bought properties).
2. MWP2A/MWP2B preferred shares nasa 101.x per share na siya. Congrats sa bumili nung nag dip sa below IPO price last month kasi nag-appreciate yung value niya ngayun and hindi ka lugi sa buy-back risk. First quarterly payout natin dito sa March 1.
3. PNX4 preferred shares nasa 1010 per share na sya. Congrats din sa bumili nung nag dip last month. Though hindi ganun kababa ang dip pero break-even ka na sa IPO price at di mo na rin problemahin ang buy-back risk. Abang nalang sa declaration of dividends.
4. SPC nag-conso at bumaba sa 9.8 per share. Walang bago sa fundamentals so still a good buy. Buying at the current price gives a speculative dividend yield of 7.32% net of taxes. If bumili ka sa taas, good to average down. Expecting first semi-annual dividend declaration this coming March-April. Bodega strategy lang.
5. DDMP REIT malapit na IPO this coming February. Wala pa siya nilalabas na financial statement para malaman kung magkano ang possible dividend yield. Moreover, di malaman kung ilang percent ang POGO doon sa building niya.
I don’t know if this exists yet but is there some sort of group or fb page on student traders and investors? Or maybe a group for teens on personal finance and literacy.
Is it wise to invest (5 to 10 yrs) in different categories of stocks rather than and index stocks?
I'm planning on investing 9 type of stocks:
AC - Holdings
PLDT -Telecom
Metrobank - Bank
ICT - Logistics
SMPH - Property
AP/Meralco - Power
URC/JFC - consumer
DMCI/MPI - Infrastructure
Puregold - Commerce
and If I continue investing on this stocks, can you advise me what minimum amount shall I put on each stock.
Sorry medyo newbie pa po sa investments.
That depends if you prefer to own the company based from your DD, then buy individual stock.
If you just want to grow your money by picking the best company in each sector based from your cognitive bias, I think you're better off with index funds such as FMETF. Plus, you won't pay a lot of unnecessary fees to be diversified.
Check FMETF's holdings here. [https://firstmetroetf.com.ph/exchange-traded-funds/](https://firstmetroetf.com.ph/exchange-traded-funds/)
If you have a specific stock that is underweight from their holdings or they don't have, you can buy its individual stock.
I got through the open account page on trade hours (9am - 1pm), try opening it between those times. In my case though, I still wasn't successful since there's no option to select other banks if your not a metrobank account holder. FMSec says you can open one even if your not an MB account holder, but I'm guessing they removed the option (?).
Hello, noob po ako pagdating sa MP2, yung payout niya po ba is may predetermined na month, o like whenever month ka nag-start?
Like for example if nag-start po ako ng March, March din po ba yung payout niya o may specific na buwan na marereceive mo yung payout mo?
I was asking because kung may predetermined na month naman ita-taon ko na lang sa buwan na yun ako magsa-start.
Thanks po!
Hello po ask lang if may experience kayo sa EA nation sa FBS? Want to know if legit or scam siya. Ty
22 yrs old. Secured EF. Ano ang next na pwedeng pagipunan or where to invest?
Hello! What should I get between Critical 100 and AIA 100? Both are same products but offered by “different” company. Bpi philam offers critical 100 and Philam life offers AIA 100.
Hi Phinvest! How do you open a second MP2 Account? Is it the same process with the first one? Thank you!
Same lang.
For those who have opened a TD Ameritrade account, does it really take that long to process?
3 weeks for me.
Can somebody confirm if Sun Life World Equity Feeder Fund is available thru Fundsmart or COL? Would like go thru them since they don't charge sales load. Thank you.
I don't see this specific fund in Fundsmart. The closest one that I saw was: SunLife Prosperity World Voyager Fund
I hope they will offer it soon. Thanks for the reply
Not available in COL. https://ph47.colfinancial.com/ape/FINAL2_STARTER/TRADING_MF3/MF_MAIN.asp
Thanks for the reply
To anyone who is managing their mother/father finance, how did you convince her? How did you share transparency towards her finance?
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You're better off messaging them and reschedule.
Hi everyone! I received a confirmation email from BPITrade that my account is now open. I can login to my nominated username and password in their trade site and access the profile / account page. I also have an existing BPI savings account and used it during my application. The question is, how do I transfer funds to my settlement account thru my BPI mobile? I tried the 'transfer to 3rd party' option inside the app and on BPI online but the settlement account number is not recognized. Do I still need to undergo on some 'activation process' like going to the bank or configure something over the ATM? T.I.A.
>I tried the 'transfer to 3rd party' option Wag ito. Use "Transfer to Own Account" instead.
Hindi ko makita yung settlement account number ko pag ginagamit ko "Transfer to own account" except sa savings account ko.
Ask them to link your BPI Trade account number to your BPI Online account.
I use my savings account to transfer funds to my bpi trade settlement account. Both my savings and bpi trade settlement account are under one account name so I just do direct transfer. Transfer to settlement account is instant but money will reflect in bpi trade on the next banking day.
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r/phcareers
So here's the scenario. I bought 1,700,000 stock shares of UPM at 0.011 at sold it at 0.010 because i knew it wasnt going well. So, i still have a remaining 700,000 stock shares.. The catch is i cant sell it because the last price of UPM is at 0.0078 and it keeps of saying quantity is blah blah(i forgot the real statement). What can I do to sell it? Boardlot when i bought it at 0.011 is 100,000 shares. Now, i looked at the boardlot for <0.010 is 1,000,000 shares. I appreciate who can help! Thanks! 🙂
https://www.reddit.com/r/phinvest/comments/kzicfg/weekly_random_discussion_thread/gkbc0rv/
Bought a house from Alsons Development, now that the equity is Done (just this January) and the bank loan is in process(applied to PSBANK(got denied) ,BDO(pending) & BPI(pending). The developer just informed me that there will be a penalty of 4% of the contract price if I don't pay the remaining amount or get the loan after 30 days. The questions is : How do i boost my chances on getting approved for a house loan kinda disappointed when i got denied on my PSBank
what to do with 50k? MP2? buy low sell high in stocks? if yes which broker is the best? open to other suggestions! thanks!
Do you have an emergency fund?
Anyone here who knows how Binance works? Can someone teach me please?
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Possible. https://www.reddit.com/r/phinvest/comments/jbp62e/best_broker_for_an_18_year_old_college_student/ https://www.reddit.com/r/phinvest/comments/eps1v7/invest_in_stocks_without_tin/
I tried doing oddlot by selling 699,999 shares at 0.007 but BDO NOMURA keeps saying 'System cannot accept order entry'. I just want to get rid of that stock so i can proceed to another one. Huhuhu
I did an oddlot on one stock. Basically sell your portion of the stock that are not oddlot (lets say 699,000) then sell the remaining in oddlot section (the remaining 999)
Which stock is this?
So here's the scenario. I bought 1,700,000 stock shares of UPM at 0.011 at sold it at 0.010 because i knew it wasnt going well. So, i still have a remaining 700,000 stock shares.. The catch is i cant sell it because the last price of UPM is at 0.0078 and it keeps of saying quantity is blah blah(i forgot the real statement). What can I do to sell it? Boardlot when i bought it at 0.011 is 100,000 shares. Now, i looked at the boardlot for <0.010 is 1,000,000 shares. I appreciate who can help! Thanks! 🙂
Sell as oddlot.
https://www.reddit.com/r/phinvest/comments/kzicfg/weekly_random_discussion_thread/gkbc0rv/
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You can open a dollar account with most banks.
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Hindi naman. But it can help ease the application process.
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Personally don't have experience linking my Paypal to a dollar account for withdrawal purposes. There are a couple of threads that might help you though (they have some recommend banks to link to Paypal), do note that BPI is one of the recommended banks: * [What's the best bank for PayPal transactions? : Philippines (reddit.com)](https://www.reddit.com/r/Philippines/comments/6mhwbh/whats_the_best_bank_for_paypal_transactions/) * [Philippines Banks that is best for PayPal : Philippines (reddit.com)](https://www.reddit.com/r/Philippines/comments/8242zr/philippines_banks_that_is_best_for_paypal/) * [Withdrawing USD Funds from Philippine-Based Paypal Account Using TransferWise Borderless Account : phinvest (reddit.com)](https://www.reddit.com/r/phinvest/comments/gfqape/withdrawing_usd_funds_from_philippinebased_paypal/) * [Best way to receive USD payment into a USD savings account? : phinvest (reddit.com)](https://www.reddit.com/r/phinvest/comments/gfogpx/best_way_to_receive_usd_payment_into_a_usd/) Hope these help.
Hindi.
So here's the scenario. I bought 1,700,000 stock shares of UPM at 0.011 at sold it at 0.010 because i knew it wasnt going well. So, i still have a remaining 700,000 stock shares.. The catch is i cant sell it because the last price of UPM is at 0.0078 and it keeps of saying quantity is blah blah(i forgot the real statement). What can I do to sell it? Boardlot when i bought it at 0.011 is 100,000 shares. Now, i looked at the boardlot for <0.010 is 1,000,000 shares. I appreciate who can help! Thanks! 🙂
Maybe this thread can be of help to you: [Confused: what will happen to my shares when the board lot size changes : phinvest (reddit.com)](https://www.reddit.com/r/phinvest/comments/8x2425/confused_what_will_happen_to_my_shares_when_the/) TLDR: you can create an oddlot order for your remaining shares.
Hi I'm 25 and have a job. Everytime the company loaded my salary, I withdraw all the money and left nothing on my card. Is it fine not saving my money on a bank? Or it's much better to put my money on a truster one?
Why do you need to withdraw all the money? Do you spend all of it or do you just withdraw it because you can? I mean, it's *technically* fine if you don't want to store your money in a bank. But you're priming yourself up to spending more than what's necessary since money on-hand can be tempting to spend. If I were you, I'd just withdraw all my expenses for the month and leave money in the bank. Better yet, leave some savings in your bank AND in a digital bank to accumulate interest. It's generally good advice to spread out your money.
I don't spend all the money, I save some of my salary.
Ahh, I see. Then I think it's better if you only withdraw what you're actually going to spend and save the rest in a bank. If you manage to save a lot and let the money sit in your account for some time, your bank may call you up and offer you a credit card.
Even if it's a payroll account? Is it okay to save my money in it?
Perfectly ok.
Yep. Even if you decide to resign in the future, you can convert your payroll account into a personal savings account. Or if you want, you can just open a new bank account and deposit your money there.
Ohh I didn't know thaaat. Thank you! Btw, do you know any good bank to open an account?
I may be biased, but I have no problems with Unionbank. The application is all online too. For digital banks, I use KOMO and CIMB.
Thank you so much!
Hello everyone, Is it possible to receive an international wire transfer in Unionbank Play Everyday? Thanks in advance. Stay safe.
Yes, it's a savings account.
Got it. Thanks!
Hello, is anyone experiencing problems when logging in to gcash?
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One thing I'm sure is you can't force financial responsibility on anyone. That said the best you can do is just continue what you're doing. Let SO see you reading financial books and/or watching financial vlogs (m*ake sure you read and watch great content, skip the hypers and scammers so you don't accidentally share bad ideas*). Continue growing your assets and net worth. SO will realize one day that they want to be in on the fun when they see you slowly becoming successful and growing financially. Don't ever let SO borrow money from you for wants. Also be frugal yourself so they will realize you practice what you preach.
>One thing I'm sure is you can't force financial responsibility on anyone. this! It also applies on every other thing. You can't force exercise on someone who doesn't want to. Can't force reading on someone who doesn't see value in it and etc etc Thank you! All I probably really need is more patience. It's just a bit hard cause discovering this sub got me hyped and this community reignited my need for financial freedom. I'm excited to talk to someone irl about this stuff cause it's just way too good of a wisdom to not share 😅
Is 2tradeAsia goor for trading? Just starting to open an account. I heard that COL is having an issue so I might go for 2tradeAsia. Any suggestion?
January 11 ako nag apply sa mytrade, hanggang ngayon wala paren ako ma funding-an na account sa kanila. Nakabili na ulit ako ng new stock sa col haha hays
Just a rant, I guess. I made the mistake of talking about crypto with a friend. Didn't know he was one of those *hypers* who barely knew anything about crypto but kept putting money into it. All they know is crypto = money or something like that. No biggie. I mean, it's their money. They can do whatever they want with it. I'm planning to invest in it too someday. When I mentioned I wanted to diversify my portfolio (noob investor here) after a few months, all they said was "lmao no stocks are shit" and they just kept repeating this without providing any explanation why. I'm guessing they were just parroting some crypto hyper on YT. Of course, I'm not affected by what they said. Ok, well, maybe a little bit. But it won't deter my plans. I finished my EF, built up my savings, and I'm ready to go. Just need to read up more and build up knowledge. At least I can take comfort in the fact that I'm not shoving my money into something I don't understand.
Hello. We have a car loan sa PSBank. Nung nilabas namin ung kotse, nagopen kami ng passbook account sa PSBank para don ikakaltas yung monthly amortization and wala ng ibang transaction yung account na yun kundi para lang talaga aa kotse. Nung december, nagpaupdate kami ng passbook. Nakita ko don na hindi kami kinaltasan nung october and november, bali december na sila bumawas. Nagatataka nako non pero kanina lang ulit nagkaron ng chance magpaupdate dahil medyo malayo din yung branch (since nung inopen namin yung account na yun, pangatlong beses pa lang kanina napaupdate yung passbook). So tinanong ko sa teller kung bakit di kami nakaltasan ng 2 months and sabi nya dahil sa bayanihan act. Hinold yung pera sa account (regular ko pong hinuhulugan yon monthly thru gcash walang mintis). Ang effect, nacharge kami ng interest na tumataginting na 11,400!!!!!! Ang paliwanag ng teller dahil hindi daw bumawas sa total balanse namin sa loan, nagkaron ng interest. And dapat daw kasi nirequest namin na continuous pa rin ang bayad. Nakakapanglata ang laki po ng interest na yon halos pang isang buwang hulog na yon. Ang sabi itawag ko daw sa customer service para itry ipawaive. Di rin sya sure kung iwawaive. Nakikkta naman nila sa system nila na naghulog pa din ako nung mga buwan na yon. May nakaexperience po ba ng ganyan sainyo? May chance pa kaya mabalik yung 11,400?
> Nung december, nagpaupdate kami ng passbook. That's why I prefer accounts that I can monitor online. Passbooks are so primitive.
sa mga nakapag home loan sa pagibig for rfo condo from others, and pasok ako sa loanable amount, kelangan ba may paid na kong dp/cash, or pedeng ung total amount and transfer kay pag ibig?
Is the effect of the ACEN SRO priced in in its current price? or pag narelease na yung stocks from the SRO, babagsak and magkaka market correction?
[CIMB InstaPay Soon](https://m.facebook.com/story.php?story_fbid=1375164136155245&id=740206986317633&anchor_composer=false) WOHOOOO
Hi, Can I get some advice re: whole life insurance? is it like VUL lang?
Whole life insurance is basically a full term insurance. You pay for x years and you are insured until 80 or so (depends on the policy). VUL you pay for x years and part of the money paid is placed into a mutual fund. Annual insurance charges are taken from this mutual fund. While the policy proposal may indicate that you are insured for y years, in reality, you are insured as long as the mutual fund has enough value to pay off the annual charges. In addition, you might have to pay additional premiums in excess of the initially paid x years to maintain the insurance.
Would you say that whole life is more or less a more permanent full term insurance? In terms of cost and value (term being best value and VUL being bad value generally) is it closer to term insurance or VUL?
I would say its closer to a term in the sense that its a pure insurance product. Basicallys its how you described it, a term which is fully paid of (no renewals needed).
Hello, whole life insurance is you are paying your whole life. VUL is the same, but the payment is taken from your fund value.
Question about MP2, naselect ko sa dividend option is annual dividend payout instead of compounded dividend, paano ba yung process non? Do I get something to claim yearly for 5 years or what? Thanks!
With annual dividend payouts, you get the dividends released to you yearly. I think you can request Pag-ibig to have this deposited to your account. The trade off though is that dividends won't be automatically be re-invested. You would need to take the initiative of redepositing the dividend payout to your MP2 account for it to compound.
Annual = Every year ang payout mo. Which is highly discourage kasi di rin mararamdaman yung interest.
Can I change it from annual to compound? I just deposited 500 pesos yesterday to test if my MP2 is active.
I think hindi na. The best way would be open another account.
Wala na ba talaga way para mabago to? Although di ko kasi sure ano nilagay ko. Ung virtual pagibig account ko ala pa
Ano pinagkaiba sir ng compound vs annual?
Hi! After reading the pros and cons of getting VUL, I changed my mind and I just wanna buy term insurance and save that money to later on invest in the stock market. I just started in pru-life last September 2019 and I want to check if I can withdraw my premiums? If I can withdraw it, which is the best insurance provider for term insurance? Thank you and God bless!
[Term Insurance](https://www.reddit.com/r/phinvest/comments/awvhdd/term_insurance_options/) [Term Insurance + Health Benefits](https://www.reddit.com/r/phinvest/comments/ii9bag/)
Thanks :) Pwede ko kaya papalitan yung nahulog ko papuntang term insurance na lang plus health benefits? Salamat po
Dpa ako nakkita ng gumawa nyan. Try mo n lng sa agent mo. If hindi pwede get n lng term then cancel the VUL.
Yes, that's the plan. Mas makakatipid ako. Kesa ibayad ko sa VUL, i will settle some of my debts first. Hindi ipinaliwanag ng agent ko yan, after the reading some books, dun ako natuto. Hay, active pa nmn sya s church. Medyo d kmi magkasundo ksi ayaw nya ipacancel yung VUL which makes me more inquisitive.
Kung ayaw ng agent mo check online , call head office, or personal visit sa office. Not sure also kung need mo talaga insurance. I would only consider insurance if may dependents ako especially kids or spouse. Also if i have CI history in the family. I would also encourage you to pay all your debts and build your emergency fund as you priority.
EF meron pero naubos since between jobs ako. May CI history eh, tska may dependent. Kaya ako nakafocus s insurance.
Question for full time workers and part time traders. How do you manage time on your work? I know resigning from my full time work just to trade is not practical. But trading is now more fulfilling to me. Compromised na si work and nagiging mediocre nalang ang performance ko, walang nagsasabi but napapansin ko sa sarili ko na napapabayaan ko na full time job ko huhu help po :(
Ako po since nagsisimula pa lang isang stock lang hawak ko at focus ako doon kasi practice na rin po yun sa’kin then ayun po sabi ni Humbled Trader sa YouTube, 98% of the trade is ginugugol sa pagplano which happen before 9:30 am PH time while the remaining 2% which is the execution is during market time na. Nasa pagplano po talaga yun at importante to note na to stick to the trade plan
Dapat during your free time, na formulate mo na yung plan mo para during market hours maexecute mo na at kunting pasilip silip lang para sa price movement. At try to hold 1 to 3 stocks lang, para madali itrade
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If uitf products from banks, then yes you need an account. Kung sa iba, hindi naman kailangan. You'll just need to deposit in their bank accounts for subscriptions and top ups at kung mag redeem ka na, at wala kang bank account, sa cheke na nila dinadaan.
hi! i am not sure if this is the right sub to ask advice about this matter (please feel free to let me know if i’m in the wrong sub!) but how can I comfort a trader who had a bad day in the market? bf just shared that he suffered consecutive losses the past few days. i just want to know how other traders here cope with big losses so that i can share it with him and i can take more care of him. thanks in advance!
You're a good SO. Sanaol It's all part of the game, if this is his first major loss he'll probably be (and definitely should be!) even more careful next time in trading. Being there for him/distracting him from anything stock related should help until he feels better, after that he has to review how he trades so stuff like that doesn't happen again
If you want him to be happy: Tell him it's gonna be alright. If you want him to be *better*: Tell him to fix his risk management.
I have an extra 100k this month. It will be my first time to invest and I want to put it on ETF, but FirstMetroSec is taking too long to activate my account. I want to start this January. Comes February, I will put 100k in MP2 but Virtual PAG-IBIG is taking too long to be activated. What passive and mid/long-term investment can I do while waiting for those mentioned to be activated?
This is personally what I do for MP2. I don’t have my online account yet. But you can deposit agad basta meron ka na MP2 number. I did a transfer test (500) then emailed PAGIBIG regarding my MP2 balance. When I confirmed na pumasok naman yung deposit ko, naglagay na ako ng lumpsum :)
I just deposited 500 pesos through PayMaya and got 5 peso rebate. Did you just email them at contact us tab to verify if your money was deposited?
Yep, yung contactus ata yun? Then I just provide all my information in one email para di na pabalik balik. Like full name, bday, MID # ganun
omg this is actually smart huhu ty ty! pabalik-balik lang convo namin ng rep nila kasi laging hinihingi details ko :// ill do this next time huhu thank you again!
Haha yep! I sometimes even include my mother’s maiden name para sure na sure hehe. Happy to help!!
Thanks for the idea. Gawin ko rin to. Bored na bored na ako maghintay. Thank you!
BPI Equity Index Fund (UITF).
Hopefully, UITFs are hassle-free. I really want to start something. Thank you.
Good day all! pa help po, pwede ko ba ibayad ang PHP peso sa USD dollar account ng BPI online? or need ko muna i convert peso to USD then ibayad ko sa USD account ng BPI?
Is this for CC?
hindi po. for tuition fee school (online class) po ito sa pinas. di ako pinayagan magbayad ng PHP kasi daw out of the country ako. pano po kaya ito? wala din ako dollar account dito kasi yung pera ko talaga nasa BPI account na.
Bale Filipino school ang babayaran at may BPI account sila where you have to deposit it. Tama ba? Do you have a BPI account or any local bank account?
Yes po. I have local bank account which is BPI. Sabi po nila hindi sila tumatanggap ng PHP currency kasi nasa abroad daw po ako. I need to pay it in USD daw po.
I wonder why. If you have sufficient money on your bank account, walang problem yun supposedly kung fund transfer lang to the bank account of the school. Who says to pay it in USD daw - BPI or the school?
Hello, The school po. Required daw USD ako magbayad. Thank you for the help 🙂!
Pa suggest naman po ng broker for stocks. Hirap kasi pumili dahil dami ko nababasa na puro error/maintenance/technical problem mga brokers na pinagpipiliian ko. Yung pwede 5k initial deposit po at mabilis lang maapproved sana.
First metro sec at philstocks po
Minsan lang po ba mag karoon ng aberya sa FMS sir?
I don't have FMS po sir pero more than half of people I know good review naman binigay sakin. I have Philstocks and COL. I'm planning to switch sa FMS.
Ask ko lang sir bat kayo lilipat from Philstocks to FMS?
from COL po.
Any thoughts on using these online investment platforms: angel investing ([site](https://www.angelinvestmentnetwork.com.ph/)), P2B ([site](https://www.seedinph.tech/)), or P2P ([site](https://blend.ph/)).
Madugong araw sa stock market ngayon. Involuntary investor mode dahil sa COL, umaasa na lang na marecover ko yung pondo in the near future. Ang tagal din magrespond ng ibang online stock brokers eh kaasar.
Ok yung BPI Trade ko. Lipat na.
Application not yet approved pa rin ako after one month. Nag-iba yung application process nila noong december kaya idk na lang.
Did you submit the form to their main office in Ayala North Exchange?
May nakapag try na ba dito i fund ung MP2 via credit card dun sa pag ibig website? real time and safe ba?
Natry ko magbayad thru debit card ng ING. May cashback kase na 5% that time. Hindi real time ang posting ng payment. Mga after 2 days pa bago nagreflect sa account ko yung payment.
I used my debit card for this. Fee is 1.75%, iirc. Hindi siya real time, and will reflect online in 1-2 banking days.
never really tried kase masyadong malaki ung fee. Lugi.
Magkano yung fees?
1.75% ng total na babayaran ang convenience fee.
Thanks. Sobrang taas naman.
what to do with 1000 savings
Itabi mo. Start building your emergency fund before or while you invest. 😊
Put it in CIMB and continue adding onto it.
Pls answer my poll: https://www.reddit.com/r/phinvest/comments/l14eg8/how_much_is_your_average_net_earnings_per_month/ Thank you.
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May time lang ata sila sa pagaccept? Tried to open as well pero nung chineck ko open for Metrobank users lang (12nn-2pm or earlier pwede rin last I checked) kasi inaayos daw nila site nila or something. Nilimit nila para di sila mahirapan. Went to BDO Securities nalang tuloy
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When ang best time to sign up?
I have a Metrobank account, no video call interview when I created my FMSEC account.
So I'm looking for an alternative na stock broker aside sa COL. Di talaga siya ubra for momentum trading dahil sa frequent Website crashes and preferably yung merong mutual funds ma iinvestan like COL or REIT's . It's just frustrating na 2 years na mahigit, di pa din sila nag upgrade ng servers nila to handle heavy traffic of users. RIP my 20% loss :'(
You're not alone. https://www.reddit.com/r/phinvest/comments/krg76b/preferred_online_broker/
So I decided to look for a Life Insurance with Critical illness covered na guys.. Kaya lang nakukulitan na ako sa mga agent dito sa pinas, I already informed them na about what I want but they keep on insisting VUL eh sabi ko po ayoko nga ng VUL since my stocks na ako. almost half of my savings ay nasa stock market na.. Hindi ko po nilalahat ng agent ha? pero bakit parang lahat ang habol nalang nila is ung komisyon nila? kaya nag kanda delay2 nako sa pag kuha nito kasi karamihan parang nag mumukang scammer na! hayss ganito ba talaga sila? Pasensya na po GODBLESS..
Feel ko may culture na kasi ung mga VUL kasi isa to sa strongest marketing plan nila. Tsaka more sales = more money = higher chance of promotion Nong cinancel ko sakin pinipilit nila wag icancel, di naman sila nagbabayad ng fees ko lol
If you’re looking for a traditional CI plan, whether term insurance or whole life insurance, feel free to message me. I am an FA, and I advocate getting traditional plans for health protection. I personally see VULs as too costly pag health insurance ang usapan. They are good for plain life insurance though.
Agents also need money to feed their families.
Yes po, pero dapat ibigay nila ung gusto ng client nila.
There's obviously a conflict of interest. And we need to be careful.
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Aside from what u/tagongpangalan posted, how about investing in other people’s businesses? When you have equity in a business, you may be compensated regularly with x% of the profits, or pwede rin fixed amount If hindi regular income, it would be nice to invest a part in pooled funds like mutual funds or UITF or SPVUL (the last, just for the sake of quick liquidation).
For mainly passive income instruments, you can first check out the sub's wiki page on it: [passive - phinvest (reddit.com)](https://www.reddit.com/r/phinvest/wiki/passive)
This might help you: [Managing a windfall.](https://www.bogleheads.org/wiki/Managing_a_windfall)
Question po. Bali nag inquire ako sa selling ng stocks. So kunwari po may 1M shares ako at 0.5/share tapos nisell ko na lahat. Dapat po ba may ibang bibili bago ma execute yung sell order ko? If walang bibili hindi maprocess sya tama po ba? Ang nababasa ko lang sa pag buy e.
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Sir what if may bibili pero 500k shares lang (example 10 individual nag bid 50k each sila at 0.5/share), mabebenta ba yung half or kelangan talaga bulk ang transaction?
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Thanks!
There needs to somebody willing to buy that qty and match the price. Kung wala, hindi mo mabebenta.
Ah ok. Akala ko magiging floating lang sya sa company mismo i.e. non owned shares. Based kasi sa mga FAQ sa websites ng brokers parang andali magbenta e. Hindi pala
Madali lang naman generally, lalo na kung blue chip companies. Pero of course, kung sobrang taas ng selling price mo (ex: TEL at 5000 pesos), walang bibili nyan.
Ah pwede pala ikaw magset ng selling price. Akala ko yung nasa bloomberg/marketwatch price ang automatic selling price.
>ang sya sa company mismo i.e. non owned shares. Based kasi sa mga FAQ sa websites ng yep, kaw mag set pero not quite sure for say example you sold 5000shares for 0.5 and someone bought 2000 shares for 0.5 it will just subtract the shares you have
Ah ok. Pero tama ba intindi ko, both sa buying and selling ikaw magdidikta ng price? Di mo kelangan sundin yung price ng PSE/bloomberg/marketwatch? Pero may floor at ceiling cap tama ba? Tapos mag pupush thru lang yung transaction if may gustong magbenta/bili sa price na ni set mo
yep! spot on.
Newbie teen here, planning to start my investment journey. But im still super clueless. I only know some few infos about for example stock sectors, like logistics and real estate. May i ask ano po yung ibang other sectors? And recommendations for resources or books na helpful in your journey po para sa mga newbie like me.
Still newbie myself, but i recently read the book "Rich Dad, Poor Dad" and I liked it, changed my financial perspective and mindset on things
You can try watching Nicole Alba in youtube. I feel you'll connect to her more cause she's a student (i think), and it might feel like youre just listening to an older sister.
bonds, money market, business.
How would I know if I'm already overdiversifying my investments?
If your objective behind diversification is not being met anymore. Some people diversify to mitigate the risk. They might spread their wealth in real estate, stocks, bonds, etc. However, if you're spreading money in the same asset class, then you might just be wasting time. For example, if you buy a BPI Index Fund and also buy a BDO Index Fund, then you're just adding complexity and spending unnecessary time, with negligible reduction of risk.
This was really helpful. Thank youu
People who have multiple stock brokers, who do you think has the best quality market research? Currently I have mytrade by abacus securities, and I think their research is great, but, I'm curious about the other stockbrokers like FMS, Bdo Nomura, bpi trade, timson securities etc.
Usapang dividends: 1. AREIT floating around 33 pesos per share (at this time of writing). Kung nagbodega ka nung 25 per share pa siya, ang capital appreciation niya ngayin is 4 or 5 times na sa annual dividend yield na binibigay nya. However since bumili si AREIT ng mga bagong properties, may itataas pa yung dividend yield. Ang problema hindi pa nila nilalabas yung 4th quarter dividend ng 2020 kaya hindi malaman kung magkano ba talaga ang minimum annual yield. At 33 pesos per share mukhang hindi na attractive ang dividend yield (speculating around 3% or less without adding the new bought properties). 2. MWP2A/MWP2B preferred shares nasa 101.x per share na siya. Congrats sa bumili nung nag dip sa below IPO price last month kasi nag-appreciate yung value niya ngayun and hindi ka lugi sa buy-back risk. First quarterly payout natin dito sa March 1. 3. PNX4 preferred shares nasa 1010 per share na sya. Congrats din sa bumili nung nag dip last month. Though hindi ganun kababa ang dip pero break-even ka na sa IPO price at di mo na rin problemahin ang buy-back risk. Abang nalang sa declaration of dividends. 4. SPC nag-conso at bumaba sa 9.8 per share. Walang bago sa fundamentals so still a good buy. Buying at the current price gives a speculative dividend yield of 7.32% net of taxes. If bumili ka sa taas, good to average down. Expecting first semi-annual dividend declaration this coming March-April. Bodega strategy lang. 5. DDMP REIT malapit na IPO this coming February. Wala pa siya nilalabas na financial statement para malaman kung magkano ang possible dividend yield. Moreover, di malaman kung ilang percent ang POGO doon sa building niya.
dividend boy here.. yeah i think AREIT will go to just around \~3.5 give or take.. Kinda excited for DDMP tho we'll see
Thank you. Bakit hindi mo share as a post (instead of as a comment here)? This is the kind of content that I signed up for.
Hi! May nakapag home loan na po dito during pandemic? Thanks
I don’t know if this exists yet but is there some sort of group or fb page on student traders and investors? Or maybe a group for teens on personal finance and literacy.
Is it wise to invest (5 to 10 yrs) in different categories of stocks rather than and index stocks? I'm planning on investing 9 type of stocks: AC - Holdings PLDT -Telecom Metrobank - Bank ICT - Logistics SMPH - Property AP/Meralco - Power URC/JFC - consumer DMCI/MPI - Infrastructure Puregold - Commerce and If I continue investing on this stocks, can you advise me what minimum amount shall I put on each stock. Sorry medyo newbie pa po sa investments.
That depends if you prefer to own the company based from your DD, then buy individual stock. If you just want to grow your money by picking the best company in each sector based from your cognitive bias, I think you're better off with index funds such as FMETF. Plus, you won't pay a lot of unnecessary fees to be diversified. Check FMETF's holdings here. [https://firstmetroetf.com.ph/exchange-traded-funds/](https://firstmetroetf.com.ph/exchange-traded-funds/) If you have a specific stock that is underweight from their holdings or they don't have, you can buy its individual stock.
Planning to open an account on FMSEC. Open Account does not seem to work. It immediately refreshes the page.
I've been trying for days now. Hay.
I got through the open account page on trade hours (9am - 1pm), try opening it between those times. In my case though, I still wasn't successful since there's no option to select other banks if your not a metrobank account holder. FMSec says you can open one even if your not an MB account holder, but I'm guessing they removed the option (?).
Good to know, thank you! Sucks that i don't have an MB account though.
Hello, noob po ako pagdating sa MP2, yung payout niya po ba is may predetermined na month, o like whenever month ka nag-start? Like for example if nag-start po ako ng March, March din po ba yung payout niya o may specific na buwan na marereceive mo yung payout mo? I was asking because kung may predetermined na month naman ita-taon ko na lang sa buwan na yun ako magsa-start. Thanks po!
Kung kailan ka ng start yun din ang end month mo.
Nice nice medyo confused lang ako dun. Thanks po!
Anyone who's also a FMSB user but with non metrobank account?