MRROUGHSEX Posted August 9, 2018 Share Posted August 9, 2018 Malapit na pala ako sa 200K-mark. Took me 20 years of working to get to that. Hopefully tomorrow. Quote Link to comment
MRROUGHSEX Posted August 9, 2018 Share Posted August 9, 2018 (edited) 25 years pala! Milestone year pala ito! 25 Years Working Anniversay LOL. Something not worth celebrating. Edited August 9, 2018 by MRROUGHSEX Quote Link to comment
MRROUGHSEX Posted August 10, 2018 Share Posted August 10, 2018  Today, I took advantage of the 5% discount. H kage M ve. Mutual Funds: Education Fund I: $12KEducation Fund II: $1KBusiness Fund: $52KRetirement Fund: $134K Total Fund: $199K The HAPPIEST Thread continues!  Took 5% discounts on good ol' MFs.  Mutual Funds: Education Fund I: $12KEducation Fund II: $1KBusiness Fund: $52KRetirement Fund: $135K Total Fund: $200K Marching onwards to $250K!! Quote Link to comment
MRROUGHSEX Posted August 11, 2018 Share Posted August 11, 2018 Today I show you how to calculate gains the easy way. Step 1. Get the Beginning Balance. In my case, it is 168KStep 2. Add the addition savings for the year so far. In my case it is 20K. So 168K + 20K = 188K.Step 3. Get the growth by subtracting this from the Ending Balance. So 200K - 188K = 12KStep 4: Get the growth rate by dividing it from the total savings for the year. So, 12K/188K = .064 or 6.4% You might wonder, how come I got gains this year when the market is trading in at HUGE discounts?  It's simple. The market dropped HUGE this year and I kept buying. There was a time it was giving greater than 11.5% discounts and now it is down to 5%. So by that, if one keeps on buying, you will be getting gains from the -11.5% to -5% of 6.5%. That is where the 6.4% gain came from.  And yes, there is still 5% Discount left on the table for anyone who wants money to pick it up.        That's it! Quote Link to comment
MRROUGHSEX Posted August 18, 2018 Share Posted August 18, 2018 Since this is a money advice thread, here are the ADVICES:Â Get the 3.5% Discount from the market.Track growth of your money here (see calculation post above).Enjoy life! Quote Link to comment
MRROUGHSEX Posted August 18, 2018 Share Posted August 18, 2018 (edited) I see that the Market still has a bit of room for growth, potentially close to 1% more. Then it probably would do a rollercoaster ranging from as low as 124,900 to as high as 125,800 for the next 1.5-2 months.  Edited August 18, 2018 by MRROUGHSEX Quote Link to comment
MRROUGHSEX Posted August 25, 2018 Share Posted August 25, 2018 The HAPPIEST Thread continues!  Took 5% discounts on good ol' MFs.  Mutual Funds: Education Fund I: $12KEducation Fund II: $1KBusiness Fund: $52KRetirement Fund: $135K Total Fund: $200K Marching onwards to $250K!!Today, I took advantage of the 3% discount. H kage M ve. Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $135K Total Fund: $201K Quote Link to comment
MRROUGHSEX Posted August 28, 2018 Share Posted August 28, 2018 Stocks on sale for 2.5%, :DÂ Grab uli ako nyan before the week ends. Quote Link to comment
MRROUGHSEX Posted August 28, 2018 Share Posted August 28, 2018 (edited) I see that the Market still has a bit of room for growth, potentially close to 1% more. Then it probably would do a rollercoaster ranging from as low as 24,900 to as high as 25,800 for the next 1.5-2 months.   Adjusting the band to 25,100-26,100 range. Edited August 28, 2018 by MRROUGHSEX Quote Link to comment
paulrko Posted August 28, 2018 Share Posted August 28, 2018 top mutual fund in the market? Quote Link to comment
MRROUGHSEX Posted August 28, 2018 Share Posted August 28, 2018 top mutual fund in the market?I don't know since I'm not based in RP. Maybe others can assist. Just find one you like and ride it out for awhile. Get comfortable with the ride. Keep 20% in cash as a way to take advantage of dips. Quote Link to comment
Stewart Gilligan Griffin Posted August 30, 2018 Share Posted August 30, 2018 (edited)  Sir gusto ko po subukan mag invest sa mutual funds pag uwi ko ano po ma suggest nyo saken? Alam kong indeh ka base saten PH just want your opinion. Thanks! Money Market Funds, Bond Funds, Balanced Funds or Stock Funds / Equity Funds Edited August 30, 2018 by Stewart Gilligan Griffin Quote Link to comment
MRROUGHSEX Posted August 30, 2018 Share Posted August 30, 2018 Sir gusto ko po subukan mag invest sa mutual funds pag uwi ko ano po ma suggest nyo saken? Alam kong indeh ka base saten PH just want your opinion. Thanks! Money Market Funds, Bond Funds, Balanced Funds or Stock Funds / Equity FundsSure.  Pag me bahay na hinuhulugan na (meaning nakapagdownpayment na), then 80% equity; 20% bond Pag wala pang bahay, pero me naipon na pang-downpayment o nag-iipon ng pang-dagdag sa downpayment, 30% equity, 70% bond Pag nagsisimula pa lang mag-ipon, then 80% equity, 20% bond. Tapos unti-unti gawin 30% equity 70% bond para pang-downpayment.    The gist is huwag masyadong i-risk ang naipon na pang-downpayment sa bahay. Hindi natin alam future. We can trend history, adjust it with current information and predict the future pero in the end, it does not mean it will happen. Quote Link to comment
MRROUGHSEX Posted August 30, 2018 Share Posted August 30, 2018 Also pag me naipon na, for example sa Savings Account or Time Deposit, tapos magsisimula sa Mutual Fund, start with investing 50% only. Then spread the reamining 50% over the next 12 months. That way bumagsak man ung market, you have limited your initial exposure to 50% and can take advantage of the dips with your remaining 50%. Quote Link to comment
MRROUGHSEX Posted August 30, 2018 Share Posted August 30, 2018 Why I don't prefer money market funds and balanced funds. Money market funds are most short term notes hence they carry lower risk, hence lower returns. Bonds meanwhile are mostly long term notes hence carry higher risk but higher returns. The assumption is bond fund managers pick only the more desirable (high rating) bonds to minimize the risk. Balanced funds are usually 50-50 split of equity and bonds. I don't like it since it disadvantages me whether I want higher return (wherein I would prefer higher equity share) or if I want a lower risk (where in would prefer a lower equity share). In my post above, I would rather have those allocations based on those needs. Quote Link to comment
Stewart Gilligan Griffin Posted August 30, 2018 Share Posted August 30, 2018 Sure.  Pag me bahay na hinuhulugan na (meaning nakapagdownpayment na), then 80% equity; 20% bond Pag wala pang bahay, pero me naipon na pang-downpayment o nag-iipon ng pang-dagdag sa downpayment, 30% equity, 70% bond Pag nagsisimula pa lang mag-ipon, then 80% equity, 20% bond. Tapos unti-unti gawin 30% equity 70% bond para pang-downpayment.    The gist is huwag masyadong i-risk ang naipon na pang-downpayment sa bahay. Hindi natin alam future. We can trend history, adjust it with current information and predict the future pero in the end, it does not mean it will happen. Maraming salamat po Sir Quote Link to comment
MRROUGHSEX Posted August 31, 2018 Share Posted August 31, 2018  Today, I took advantage of the 3% discount. H kage M ve.  Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $135K Total Fund: $201K Today, I took advantage of the 2.5% discount. H kage M ve. Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $136K Total Fund: $202K Quote Link to comment
MRROUGHSEX Posted August 31, 2018 Share Posted August 31, 2018 Maraming salamat po SirAyos! Go for it! Quote Link to comment
MRROUGHSEX Posted September 6, 2018 Share Posted September 6, 2018 2.5% Discount is still in play. I'll grab some early next week. :) Quote Link to comment
MRROUGHSEX Posted September 10, 2018 Share Posted September 10, 2018  Today, I took advantage of the 2.5% discount. H kage M ve.  Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $136K Total Fund: $202K Today, I took advantage of the 2.5% discount. H kage M ve. Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $137K Total Fund: $203K Quote Link to comment
MRROUGHSEX Posted September 16, 2018 Share Posted September 16, 2018 2.0% Discount is still in play. I'll grab some next week. :) Quote Link to comment
MRROUGHSEX Posted September 20, 2018 Share Posted September 20, 2018 There is still 1% Discount guys! Will grab some tomorrow. Quote Link to comment
MRROUGHSEX Posted September 20, 2018 Share Posted September 20, 2018 The bear market has had a grip this year so far. There is still 1% to go up before we can be where we were in January of this year. Â Quote Link to comment
MRROUGHSEX Posted September 21, 2018 Share Posted September 21, 2018   Today, I took advantage of the 2.5% discount. H kage M ve. Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $137K Total Fund: $203K No more discounts guys. Glad the market has recovered at least today. :) Party time!! Mutual Funds: Education Fund I: $12KEducation Fund II: $2KBusiness Fund: $52KRetirement Fund: $138K Total Fund: $204K Quote Link to comment
flatwall Posted September 25, 2018 Share Posted September 25, 2018 Sn mgnd ang mf Quote Link to comment
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