money Where To Invest 200k?

[SupremoTaga]

Kung mag Paper Assets ka na tinatawag:
1. Timeline of when you might need the fund? Within 1 year, Time Deposit (TD)/Cash is king, After a year or 2, pwede Mutual Funds (MF)
2. What is your risk tolerance? Cannot handle loss of 5-10% from current value, stay with cash/TD/MF that invest in bonds, low risk instruments. Can handle 20-30% loss, go with stocks. Can handle getting Rekt or up to 90-100% loss, go with crypto.
3. How much percent you want to earn? up to 5% in one year = TD/MF bonds, up to 20-30% if you have good trading skills - stocks, up to 100% to 10,000%+ gain = crypto (ingat dito, wag masilaw sa gain, go back to number 2)

Baka mas mabuti at kung baguhan ka pa, i-split mo into 3 categories (revise the % as necessary, depende sa risk appetite mo):
Low Risk Investment (TD/MF): 60% (Mag consult sa bank at sa mga provider ng MF like Manulife or Sunlife)
Med-High Risk (stocks): 30% (COL Financial or other brokers that you can do online trade)
Ultra-High Risk (crypto): 10% (Kahit 0% muna ito, ang ilalagay lang dito ay pera na pwede maging 0 value) (coins ph, Binance)

Ang pag-invest ay inaaral na mabuti, sobrang habang oras ang ginugugol dito at walang katapusan na research/DYOR ito kahit low, mid risk.
Lalo na sa high risk and ultra high risk.

Kung walang tiyaga or capacity na mag-aral, sa safe/low risk ka na lang.

Pero take note, every year bumababa ang value ng pera mo due to inflation, pag hindi mas mataas ang kita ng naitabi mong pera/savings vs. sa inflation, ibig sabihin legally binabawasan ng government ang pera mo ng ilang % due to inflation every year hehehe (kasi nagpi-print sila ng pera every year or dadagdagan ng 0 yung nasa record ng mga central bank and banks hehe - that's another topic kung paano nababawasan ang value ng pera mo pag cash ang hawak mo)
 

*** Disclaimer ***
Not a financial advise. Post ko lang ito base sa experience. Bahala ang bumabasa paano gagamitin ang information na binigay ko dito.
 

[JST2021]

3 minutes ago, SupremoTaga said:

Kung mag Paper Assets ka na tinatawag:
1. Timeline of when you might need the fund? Within 1 year, Time Deposit (TD)/Cash is king, After a year or 2, pwede Mutual Funds (MF)
2. What is your risk tolerance? Cannot handle loss of 5-10% from current value, stay with cash/TD/MF that invest in bonds, low risk instruments. Can handle 20-30% loss, go with stocks. Can handle getting Rekt or up to 90-100% loss, go with crypto.
3. How much percent you want to earn? up to 5% in one year = TD/MF bonds, up to 20-30% if you have good trading skills - stocks, up to 100% to 10,000%+ gain = crypto (ingat dito, wag masilaw sa gain, go back to number 2)

Baka mas mabuti at kung baguhan ka pa, i-split mo into 3 categories (revise the % as necessary, depende sa risk appetite mo):
Low Risk Investment (TD/MF): 60% (Mag consult sa bank at sa mga provider ng MF like Manulife or Sunlife)
Med-High Risk (stocks): 30% (COL Financial or other brokers that you can do online trade)
Ultra-High Risk (crypto): 10% (Kahit 0% muna ito, ang ilalagay lang dito ay pera na pwede maging 0 value) (coins ph, Binance)

Ang pag-invest ay inaaral na mabuti, sobrang habang oras ang ginugugol dito at walang katapusan na research/DYOR ito kahit low, mid risk.
Lalo na sa high risk and ultra high risk.

Kung walang tiyaga or capacity na mag-aral, sa safe/low risk ka na lang.

Pero take note, every year bumababa ang value ng pera mo due to inflation, pag hindi mas mataas ang kita ng naitabi mong pera/savings vs. sa inflation, ibig sabihin legally binabawasan ng government ang pera mo ng ilang % due to inflation every year hehehe (kasi nagpi-print sila ng pera every year or dadagdagan ng 0 yung nasa record ng mga central bank and banks hehe - that's another topic kung paano nababawasan ang value ng pera mo pag cash ang hawak mo)
 

*** Disclaimer ***
Not a financial advise. Post ko lang ito base sa experience. Bahala ang bumabasa paano gagamitin ang information na binigay ko dito.
 

Agree with you Sir. Nicely put!

[PeopleSupport]

Invest on metaverse coins.. thank me later.

[IceCandy]

try Mana

 

[Christian.Grey]

pag-ibig fund

[Godzi11a]

Nft

[holoholo4]

Ribbon

[LonelyClarkKent]

Bitcoin

[Bruno1124]

Pag-ibig fund and some crypto (bitcoin and Etherium)

[347EAT]

Yung 200k mo gawin natin 0 ask me how? haha biro lang. If you want to invest your 200k then hatiin mo siya kung saan mo ilalagay yan for example: Pagibig, bonds, crypto, stocks, nft and etc and wag yung buong 200k sa isang basket mo ilalagay.

[MarkoAH]

Buy and sell

[KID FIGHTER]

I notice that some of our good friends here mention Pag-Ibig MP2 Savings Investment. Not bad at all. Last year, its dividend was 6.12 percent. The lowest was in 2011 at 4.63 percent while the highest was in 2017 at 8.11 percent. More than double than time deposits and most capital fund portfolios offered by the industry's major players. How about coop investments? Is there any coop that offers more than what De La Salle Coop offers? It is 10 percent (capital non-withdrawable investment for one year). Ateneo Coop is next, followed by Vincentian Coop of Adamson. I don't know why UST Coop is lagging behind with much lower return at only 5-6 percent. But like what I mentioned earlier, it's much better if those with 200k will join hands together and come up with a mini corporation or coop and invest in either real estate or transport business. ROI is usually around 3 years.

Going back to Pag-ibig I mentioned above, it's  safe but the ROI is very small. You will have to wait 14 to 16 years before you get your ROI!😁😊 Whereas in real estate and transport you get your ROI in about 3 years. Remember that most of our billionaires in the Philippines (and in the global scene) are into real estate. Thank you all, my dear friends!👍

[dragneel_hunter]

sa mga gamer you may try NFT thetan arena.. may 2 way para kumita.. maginvest ka hero matic na evry game mag eearn manalo man o matalo, if wala ka pang invest na fund, invest your time.. magparank up ka gamit yung free hero, pag nareach mo yung rank na bronze 1 pwede kna kumita.. 

[azimo]

sari sari store

[willjames24]

Online selling ng industrial tools, kikita tiyak ng malaki.

[alexa1901]

Up

[ajad]

Food cart at sari sari store

[PattyMills232278]

Short US Stocks (Nasdaq index)

[Lester Tung Po]

20 hours ago, ajad said:

Food cart at sari sari store

Practical yan pg gusto mo mag manage mismo.

[bosorero]

Low end spakol

[Nura]

Buy Stocks now

[ilustrisimokolakes7]

Masters degree in data science

[bespabibo]

NFT Bomber man 1 coin = 199php

[Curtis20]

crypto

[tsubomi]

buy and sell