Update: My investment in the Stock Market 23


goal-oriented pageNitong Marso ay isang taon na pala ang nakakaraan nag mag-umpisa akong mag-invest in stock market (passive).  Although may isang palya, quarterly ay naghuhulog ako ng certain amount na mula sa aking savings sa aking full time job at small-time sideline business.

Dito mababasa ang aking simula

The Black Swan

At first, nagsimula ako sa pag-i-invest sa stock market  two companies na kilala ko at reputable sa kanilang field na real estate at banking. Nakadalawang hulog ako nang ma-realize ko na puwede ko pa lang taasan konti ang perang i-invest ko.  You know, ‘yong intensive financial planning na ibabawas ‘yong expenses (including “intrega” and embraces) at savings mo roon sa monthly income.

Ayoko sana mag-invest sa isang food company pero dahil nakikita ko sa stock update ng  Citiseconline ( Col Financial na ngayon – my online  stock broker) na consistent nila itong nire-recommend ay isinama ko na rin sa. Then dahil may isa ring kumpanya na semi-government na nasa list nila pinatulan ko na rin. Ang philosophy ko naman sa huli ay mag-invest at makatulong kasi energy related ‘yong company.

My style in investing in the stock market is what they called Black Swan.  Initially, akala ko mali ang aking taktika bilang neophyte sa investing. Pero nang lumaon, nakita ko na tama lang ang pagsubok ko sa suggestion ni Bo Sanchez.  Yung company about energy ay palaging down at may time din na hanging ang status nung food company.  Kahit ganoon bawi ko pa rin ‘yong halagang ini-invest ko dahil sa shares ko sa 2 good performing companies ko.

emergency fundEmergency!

Although maganda-ganda ang investment sa stocks, don’t pour in all your savings here. Why? Kung nabasa nyo ang post ko about Emergency fund isa yung dahilan at ‘yong isa ko pang dahilan ay yong knock of Opportunity. Malay mo may nag-alok sa iyo ng bagay ng gusto mo pero kailangan bilisan mo kasi baka makuha ng iba. Kung ako ay isang OFW maikukumpara ko ito sa pagtawag ng agency na inaplayan ko na kailangan kong gastusan ang pagpapa-medical at iba pang bayarin.

Nangyari sa akin ito at ini-email ko ang Citiseconline na baka i-withdraw ko na ‘yong investment ko. Base sa aming usapan madali kong makukuha ang pera ko basta’t pirmahan ko ‘yong waiver at bigyan sila ng 3 working days.  In this area, mas the best sila ng milya sa Time Deposit.

The News

So far, I’m happy sa lagay ng Philippine Stocks Exchange hehehe! At ‘yong interest na nakukuha sa shares ko sa five companies (nagdagdag pa ako ng isa pang real estate) ay walang-wala sa interes na makukuha sa time deposit. Partida kahit hindi pa ako nakakabawi dun sa energy company.


About Hitokirihoshi

Slasher Star: passionate Online Publisher, grade 1 Digital Marketer, on-the-go Filipina, progressive Technopreneur, frugal Traveler, Cinephile since birth, natural Music lover, abstract Crafter, Digital Nomad, Millennial, and Multipotentialite or Yuccie?

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23 thoughts on “Update: My investment in the Stock Market

  • brainteaser

    Wow, Hoshi! I have always wanted to do that. Pero hindi ko pa siya naiintindihan, waaa! Care to post how you started, para naman kaming mga interested ay makaintindi ng konti at makasunod sa mga yapak mo! 🙂

    Have a great sunday, dear!

    • Hitokirihoshi Post author

      Hi Brainteaser and welcome back sa Hoshilandia! Happy Sunday at Happy Mother’s day din sa iyong Mother.

      naipost ko na rito yun , i click mo lang yung picture ng mga itlog. hehehe

      hope na makapag-invest ka rin soon. mabuhay!

  • sows

    ang galeng! sa totoo lang ate, wala akong alam para kumita ng extra hanggang nabasa ko ang post mo. sana maintindihan ko rin yan ate balang araw! anu yang part time business mo? pwede makisosyo? hindi yun joke ah!

    hehe. 😛

    • Hitokirihoshi Post author

      hi sows sorry natagalan akong sagutin kita.nagpapasalamat naman ako at naging daan ito para mabigyan ka ng idea. maiintindihan mo ito lalo na kung mabasa mo yung book. then mayroon namang mga magagaling na financial guru like francisco colayco at blogger na gaya ni fritz villafuerte.

      sige pm kit kung ano yun.

  • theignoredgenius

    wow, kung jfc, ok talaga yan. for sure matagal pang paakyat yan.

    smph, im planning to buy into it soon. sa ngayon nilabas ko rin muna mga investment ko dahil focused din ako muna sana to pay off debts (house loan, etc) and building my emergency fund. Then tuloy tuloy pa rin naman ako sa VUL fund ko (which is kailangan ko rin now talaga for my family na siyempre).

    Stockmarket, I shall return. by the way, I started since 2007 pa although lately lang din talaga ko nag seryoso dito.

    • Hitokirihoshi Post author

      wow mas marami kang alam sa akin sa iba’t ibang investment. na-introduce mo sa akin ang VUL fund na hindi ko alam.

      ako naman bukod sa stock market, ang kailangan ko ay karagdagan source of income para may pang-invest pa ako sa iba gaya ng mutual fund at T bond.

      hopefully nga makabalik ka rin sa stock market. ang tagal mo na rin pala dun. ako nanghihinayang, kasi baka mas malaki na yung natatabi ko kung na-invest ko na yung pera ko dati pa. mabuhay!

      na

  • McRICH

    thanks for the post (and your other links regarding the topic), we are actually looking for means to have a passive income and you’re correct that time deposits make you less liquid. hope we could explore it further when we get home.

    what’s the guarantee that you can have your money back anytime? and what made you decide to invest on stocks rather than mutual funds/t bonds?

    • Hitokirihoshi Post author

      Hi kuya! You’re welcome and I’m glad that I give you an idea about passive investment.

      what made me decide to invest in the stock market? The book of Bo Sanchez, that’s one of the major reasons. Before reading that, i was actually scouting different kinds of investments which were really hard to understand hehehe. then I read posts of my favorite personal finance blogger Fitz Villafuerte and financial guru Francisco Colayco about investing in the stock market. Basically, that’s what I’ve learned first. My next lessons are mutual fund, T bond and other form of investments.

      Investing (not trading) in the stock market is not that risky because it use peso cost averaging tactic ( for explanation you can read fitz’s posts about it http://fitzvillafuerte.com/how-to-do-cost-averaging-passive-stock-market-investing-part-1.html)

      I invest in the powerful companies (which citiseconline recommends as well) that are unimaginably will fall at least within five years. That’s only my guarantee. I give my self minimum of 3 to 5 years for this because in that time I want to put up business for my family. so instead of saving my money in the bank,i choose stock market.

      i think this is good for OFWs, yuppies who still want to concentrate in their regular jobs and parents who like to save for their kids instead of putting money in time deposit or educational plan). I made my mother as my co-owner/beneficiary of my account, so if i don’t have something for her, like when i settle down, isa naman siyang stockholder sa five big companies. hehehe

  • apollo

    wow! congrats sa iyong investment. sayang at hindi ako nakagawa ng account ko sa citisec. kahit gusto kong bumili ng stocks, wala naman akong magagawa. haaay… anong companies pala yung 2 good performers mo, if i may ask? 🙂

    • Hitokirihoshi Post author

      Bakit naman hindi mo ituloy? hehehe! Inaya ko rin dito yung isa kong kapatid na OFW saka yung asawa nya. Mukhang okay din nama sila. Nung narito sila nagpa-register tas lahat online transaction na.

      sure… SMPH and JFC. 31 % gain value so far

      • Cecile Bobadilla

        So far, ay lumalago ang investment namin sa stocks.Actually,para sa 2 bata ang Funds na nasa CITISEC at ginawa naming compitition kung sino magaling humawak ng Stocks. nakapag benta na nga si Richard at bumili ng iba ng nakikita nyang mas lalago ang pera ni celine sa isang company.Ako naman ang may hawak kay jethro,sa 3 company na matatag na endorsed din ng Citisec ay panalo na rin ako sa mga nilago at dividends na nakukuha ko. Nakuha namin ang idea ng paghawak sa mga blogs at bumili talaga kami ng mga books para mapag aralan ang kalakaran ng stocks…

  • PM

    bongga! pagdating ng araw magiinvest din ko sa stocks (pag naintindihan ko na siya talaga). congrats at maganda ang lagay ng panahon ng stocks mo. pag yumaman ka wag mo ko kalimutan ha? 😀

    • Hitokirihoshi Post author

      Oo sayang din yung pagtulog ng pera natin sa bangko. lalo na kung patutulugin mo lang at hindi magagamit.

      salamat sa iyong pagbati. nakapasa na ito sa aking one year probation let’s see kung kakayanin yung three to five years minimum long term goal ko.

      naku don’t worry, ipapasama ko yan sa credit sa pag-guest ko kina Ellen. hehehe