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I'm looking for advices from financial planners and rich folks who managed to retire early.

 

I'm 35 this month, no dependents and projecting I will be single forever.

 

Currently, I have savings and mutual funds. Im also paying off my card debt which will be paid off by november and personal loans which in my current plan, will be paid off next year.

 

I have work and plan to take my Master's next sem.

 

What investments do I need to buy for my long term gain? Should I tweak my budget and payment scheme to reach my goals quicker?

 

Thanks!

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I'm looking for advices from financial planners and rich folks who managed to retire early.

 

I'm 35 this month, no dependents and projecting I will be single forever.

 

Currently, I have savings and mutual funds. Im also paying off my card debt which will be paid off by november and personal loans which in my current plan, will be paid off next year.

 

I have work and plan to take my Master's next sem.

 

What investments do I need to buy for my long term gain? Should I tweak my budget and payment scheme to reach my goals quicker?

 

Thanks!

Investments have to be long term, so you'll have to regularly set aside a specific amount for this, and budget for other expenses such as debt payment, living allowance, emergency funds (medical emergencies), a separate fund that you'll use to lend or help other people (so that if you've already lent it out, you wont feel guilty in saying no to the next person who borrows or asks for help), money to give to parents, tuition fees, and a little money for your wants (treats). After setting these aside, use your investment fund wisely.

 

There are plenty of investment models to choose from which you can search over the internet, but since you are young and working, I suggest you follow the rule of thirds. Invest 1/3 in low risk instruments, 1/3 in medium risk instruments and the last 1/3 in high risk instruments. This could translate to investing in bonds & government securities (low risk), blue chip stocks or UITF targeting blue chip stocks (medium risk), and high risk instruments could be aggressive UITF placements. One key is to buy or place investments regularly (say monthly) so by averaging, you spread the risk and will earn more in the long term. Know the companies you are investing in and don't go by what people say is "good" and blindly jump on the bandwagon. As much as possible, invest in companies with long term growth as this will be the basis of appreciating stock value. Avoid penny stocks.

 

Hope you can find more info over the internet and find the approach that is right for you.

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  • 2 weeks later...
  • 2 weeks later...

I read that I have to get rid of my debt first before I invest. That's what im doing now.

 

Correct. Aside from paying off debts. Set percentage of your income to savings account that earn enough interests greater than the inflation rate of our country. For phils. Its 5-8% inflation rate per annum. It means the investment vehicle you should invest in must give of interest greater than the rate. Personally i save on an investment that earns 1% monthly tax free. Thats 12% per annum net.

 

Rule of thumb for savings :save a minimum 3x worth of your monthly income. So u can have buffer for rainy days.

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Correct. Aside from paying off debts. Set percentage of your income to savings account that earn enough interests greater than the inflation rate of our country. For phils. Its 5-8% inflation rate per annum. It means the investment vehicle you should invest in must give of interest greater than the rate. Personally i save on an investment that earns 1% monthly tax free. Thats 12% per annum net.

 

Rule of thumb for savings :save a minimum 3x worth of your monthly income. So u can have buffer for rainy days.

 

What investment earns 1% per month?

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  • 3 weeks later...

Hi neville,

 

i'd recomm you pay off your personal loan and credit card debts muna before going into investments.

 

just bear in mind that any investment that promises fantastic returns is also high risk. If it sounds too good to be true, it usually is.

 

Also, you would want investments that are liquid and preferably conservative (i.e. will not flunctuate in value sharply). I'd say retail Treasury bonds, or UITFs offered by banks / SunLife (these are NOT insured by PDIC). I would steer clear of stocks right now, except for blue chips like Jolibee, Ayala, etc. Invest only in companies whose products / business you understand.

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I would go into an investment with a return that would pay off your monthly amortization and leave you with some surplus cash as well, if possible. At the very least, have an investment that would contribute to the liquidation of your monthly debt amortization. An investment of P360K with a return of 5% net pa would yield P1.5K per month net of tax - Peso bond uitfs yields are currently in this range. Invest in stocks with consistent cash dividend pay outs - do some research and find out which companies are these. Constantly put in an monthly amount into your investment instruments and build up on your portfolio, the bigger your principal, the larger your cash base for investments. <_<

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Hi Neville...

 

makiki-alam lang... hehehe

 

I think the best investment that you have for now is it focus on your masters, and look for a business that you will love and that you can maintain til your old ripe age. Nothing against those that are advising you to invest in companies, stocks, etc, for that is what normal people do... The problem is that normal people don't usually get rich, i mean really rich, and they end up with just being comfortable getting by. Investing in yourself by believing in what you can do, what you can achieve and creating your own business empire at this age is really feasible, as long as you find that one thing that you always love to do. It'll be hard, at first, but it sure will be worth it in the end. The difference between starting your own company and investing in other companies is that you make yourself grow, and you can adjust your company, not the other way around, and you will not be enslaved by the general economics. Successful businessmen have one common thing they believed in and invested all their money and efforts on that particular aspect: THEMSELVES.

 

Anyway, who am I to advice you? I'm not a financially adequate person nor have I invested in anything worth more than friendship.

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  • 3 months later...

guys practical ba kung mag cash loan ako para mabayaran ko ung remaining ng equity ng bahay na hinuhulugan ko? nabibigatan kasi ako kasi i also pay for the rent ng tinitirhan namen ngayon.iniisip ko kasi bka pag nabayaran ko na ung equity pwede na kami lumipat since tapos na construction ng bahay.

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  • 3 weeks later...
  • 1 month later...

My money updates so far:

 

1. Got rid of one credit card. Finally.

2. About to pay off my tuition loan for this semester when I go to school this week.

3. Joined a paluwagan with a 6 month cycle to help me save funds and earn some interest from it.

4. Managed to use only cash for spending for the last month.

5. Slowly paying off the existing card debt that ballooned to uncontrollable proportions.

6. Scheduled the projected major expenses and budget for these expenses for the the entire year (yes, they are important expenses since they will pay off my bills).

 

 

***I have forgotten how good it feels to be kuripot, to not overspend, and to be debt-free. This kuripot lady is soooo back.

 

Optimistic and way better 2014 it is for me. ^_^ ^_^

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  • 1 month later...

My money updates so far:

 

1. Got rid of one credit card. Finally.

2. About to pay off my tuition loan for this semester when I go to school this week.

3. Joined a paluwagan with a 6 month cycle to help me save funds and earn some interest from it.

4. Managed to use only cash for spending for the last month.

5. Slowly paying off the existing card debt that ballooned to uncontrollable proportions.

6. Scheduled the projected major expenses and budget for these expenses for the the entire year (yes, they are important expenses since they will pay off my bills).

 

***I have forgotten how good it feels to be kuripot, to not overspend, and to be debt-free. This kuripot lady is soooo back.

 

Optimistic and way better 2014 it is for me. ^_^ ^_^

 

 

Big loan paid off! Finally. :-)

 

More breathing room and time to reduce more debt.

 

Still kuripot. :-)

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Ako to be honest may pagka kuripot ako, as much I save money for me & my wife we always need to support our families back home ( parents, siblings kamaganak etc...). Last Dec. paguwi ko just learned that my Mom sold our houses in Alabang & Tagaytay to pay for my cousins Chemo Therapy & bone narrow transplant. Atleast they were able to buy a smaller house in BF resort but my Mom still paying off other debts she incurred while my p#tang$na Tita & cousins went to Disneyland HK! Those f#&ks took my Mom for a fool, after tumulong ngayun iniwan Mom ko sa ere!!! Pati savings account ko sa Pinas simot at nag bayad pako ng utang nila sa Pinas! Sorry medyo off topic nako! Online rant lang that I need to get off my chest!

 

For me real estate property would be a nice investment! Kapag may sobra pera bili ng lupa or bahay kasi it doesnt depreciate, you can have it rented or lease. May mga konti maintenance lang like renovation, property tax you have to pay at the end of the year pero minimal lang. I also plan to invest sa mga stocks & funds pero pinag aaralan ko pa at pag nakaluwag sa budget. True you need to have 3x saving worth of your monthly income/ expenses.

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Ako to be honest may pagka kuripot ako, as much I save money for me & my wife we always need to support our families back home ( parents, siblings kamaganak etc...). Last Dec. paguwi ko just learned that my Mom sold our houses in Alabang & Tagaytay to pay for my cousins Chemo Therapy & bone narrow transplant. Atleast they were able to buy a smaller house in BF resort but my Mom still paying off other debts she incurred while my p#tang$na Tita & cousins went to Disneyland HK! Those f#&ks took my Mom for a fool, after tumulong ngayun iniwan Mom ko sa ere!!! Pati savings account ko sa Pinas simot at nag bayad pako ng utang nila sa Pinas! Sorry medyo off topic nako! Online rant lang that I need to get off my chest!

 

For me real estate property would be a nice investment! Kapag may sobra pera bili ng lupa or bahay kasi it doesnt depreciate, you can have it rented or lease. May mga konti maintenance lang like renovation, property tax you have to pay at the end of the year pero minimal lang. I also plan to invest sa mga stocks & funds pero pinag aaralan ko pa at pag nakaluwag sa budget. True you need to have 3x saving worth of your monthly income/ expenses.

 

very true...kasi tayong mga pinoy are family oriented hindi kagaya sa mga canadiano na kahit sa grocery kanya kanyang bayad.

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  • 2 months later...

not being so kuripot lately....but debt restructuring helping a bit.

 

with us helping our families financially, it's okay i think. But seeing them take for granted the help we extend even if we are not obligated to? disgusting. and such an attitude will make me decide to just cut off any support i give them.

 

each person is obligated to help himself at the very least. that's a fact of life.

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My money updates so far:

 

1. Got rid of one credit card. Finally.

2. About to pay off my tuition loan for this semester when I go to school this week.

3. Joined a paluwagan with a 6 month cycle to help me save funds and earn some interest from it.

4. Managed to use only cash for spending for the last month.

5. Slowly paying off the existing card debt that ballooned to uncontrollable proportions.

6. Scheduled the projected major expenses and budget for these expenses for the the entire year (yes, they are important expenses since they will pay off my bills).

 

 

***I have forgotten how good it feels to be kuripot, to not overspend, and to be debt-free. This kuripot lady is soooo back.

 

Optimistic and way better 2014 it is for me. ^_^ ^_^

 

Nev,

 

 

My thoughts:

 

On #1 - Credit Card

Credit in principle is not bad, as long as you learn proper debt management. At one point in time, I was actively using credit cards from 3 different companies. I was timing my purchases to take advantage of monthly billing schedules. i.e. I would push back my actual cash flow, but still pay the full amount come billing due date. This translates to about 1 month's worth of free credit line. The key really is not to spend what you know you can't pay for based on how long you plan to pay for it.

 

On #3 - Paluwagan

I would advise against this unless you know that ALL members of the Paluwagan are true to their word and not in financial distress. One other option if you're starting small: try depositing to 30-day time deposits and keep rolling it over and adding your savings every month. Once you reach significant volume, you can start looking at and transferring to higher yield options.

 

On #4 - See #1

 

On #5 - Paying off Debt

Just make sure you start with the higher interest debts / loans first and keep the lower rate debt for last repayment.

 

On #6 - Cash Flow Schedule

Good job!

 

Here's to you achieving financial balance in your life. Cheers!

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  • 2 months later...
  • 3 weeks later...

Investments have to be long term, so you'll have to regularly set aside a specific amount for this, and budget for other expenses such as debt payment, living allowance, emergency funds (medical emergencies), a separate fund that you'll use to lend or help other people (so that if you've already lent it out, you wont feel guilty in saying no to the next person who borrows or asks for help), money to give to parents, tuition fees, and a little money for your wants (treats). After setting these aside, use your investment fund wisely.

 

There are plenty of investment models to choose from which you can search over the internet, but since you are young and working, I suggest you follow the rule of thirds. Invest 1/3 in low risk instruments, 1/3 in medium risk instruments and the last 1/3 in high risk instruments. This could translate to investing in bonds & government securities (low risk), blue chip stocks or UITF targeting blue chip stocks (medium risk), and high risk instruments could be aggressive UITF placements. One key is to buy or place investments regularly (say monthly) so by averaging, you spread the risk and will earn more in the long term. Know the companies you are investing in and don't go by what people say is "good" and blindly jump on the bandwagon. As much as possible, invest in companies with long term growth as this will be the basis of appreciating stock value. Avoid penny stocks.

 

Hope you can find more info over the internet and find the approach that is right for you.

 

In as much as other here have already given heaps of financial advice directly, my input to you is to research on scholarships here in Australia (a there are some exclusively for post-graduates ie Master's and Phd. A student visa will allow you to work part-time (20 hrs/wk) and you can expect to earn around AU$20/hr. To give you an idea of how wages and costs compare between Manila and Melbourne (for example), here is a link you might find helpful: http://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Australia&city1=Melbourne&country2=Philippines&city2=Manila&displayCurrency=PHP

Note that while expenses are higher in Melbourne, monthly average disposable salary is more than enough to make up for it, and more.

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  • 4 weeks later...

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Being a "Slave to Money"

Dealing with Foreign Currency

SSS and GSIS (and how the pension is a SCAM!)

Estate Planning 101

VUL vs. Mutual Fund + Term Insurance

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Youtube Link here:

 

15) Lets REVIEW:

 

Video 1: The Goals of Investing

Link: http://www.stockmarketforpinoys.com/learn/goals-of-investing

 

Video 2: Basics of the Stock Market

Link: http://www.stockmarketforpinoys.com/learn/basics-of-the-stock-market/

 

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Link: http://www.stockmarketforpinoys.com/learn/barriers-to-investing/

 

Bonus Stock Market Q&A Session

Link: http://www.stockmarketforpinoys.com/learn/qa-session

 

 

16) May ipon ka ba?

Nakakapag ipon ka ba?

 

The skill of saving money is SO IMPORTANT!

It's the building block to all forms of wealth.

Without savings, you can't invest.

Without savings, you can't start a business.

And even if you manage to borrow money for the business,

if you can't manage that money well, you'll be buried under debt!

 

So if you're someone who has still trouble saving...

I uploaded a short video for you in Youtube.

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=43yHFcoLC5oK2qP&b=AWDoPm1GHH._NiWDppdGVA

 

Link: How to Save Money

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=43yHFcoLC5oK2qP&b=AWDoPm1GHH._NiWDppdGVA

 

17) In the big picture... investing is actually EASY to do.

It just becomes DIFFICULT if you're not yet ready to invest.

 

Link: 7 Things You Need to Have Before Investing

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3wb8I9P8gvHP.qP&b=BIinhRP_BwflJqKBsOI.xQ

 

Do you think you can build a 3rd floor

if you haven't started building the 1st and 2nd floor?

Of course it's going to be tough

because you still don't have a solid foundation.

 

Investing works in the same way.

You first need to have a solid foundation.

If you want investing to be easy for you.

Otherwise, it's going to be difficult, unsustainable and even impossible.

 

 

Link: 7 Things You Need to Have Before Investing

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3wb8I9P8gvHP.qP&b=BIinhRP_BwflJqKBsOI.xQ

 

So you build a good financial foundation

for your current and future investments.

 

18) Money is always being associated

with greed, materialism and other bad stuff.

(Thanks to all the bad, evil and greedy people out there...)

 

But have you ever heard of the term "Holy Money"?

Do you believe that money CAN be holy?

 

Watch the video: Holy Money

 

19) There is a poverty conspiracy going around.

It's the reason why many Filipinos are poor,

while only a few people are able to achieve real wealth...

 

It's been going around for a very long time.

And even the people you love the most, and your closest friends

can actually be spreading this conspiracy.

 

Read all about it here:

"10 Popular Sayings on Money - That You Should NEVER Believe"

http://www.stockmarketforpinoys.com/?p=526

 

Right now, a lot of people are getting "enlightened" with this article.

In the same way, people were probably "awoken" when they read Noli Me Tangere or El Filibusterismo.

But this time, it's about fighting the Pinoy poverty conspiracy.

 

Read all about it here.

"10 Popular Sayings on Money - That You Should NEVER Believe"

 

http://www.stockmarketforpinoys.com/?p=526

 

20) Do you have a crystal clear understanding

on how financial products work?

How they differ? What's their purpose?

How to use them?

 

If it's unclear to you, then you can start learning today!

I created a video about Insurance vs. Investments

(Very basic, very simple, just about 6 mins long)

 

Click here to watch the video:

Insurance o Investment?

http://youtu.be/5ebRIgwy1iI

 

21) Here's a short that can reassure you

of your long-term investing strategy in the stock market:

Video Link: Stock Market Update from the Chairman

http://www.stockmarketforpinoys.com/trc/videoupdates/

 

22) "The Stock Market WON'T Make You Rich"

 

It's kind of k*ll-joy and depressing isn't it?

 

But do I agree with it?

 

Absolutely.

 

>> Click here to learn why.

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=44ldbyLS9YHP.qP&b=nnkSCWAeLd7lrJJEpCas0g

 

In this latest article, you will learn about the proper expectations

you should have as you invest in the stock market.

This way, you can set realistic and achievable goals,

while understanding what else you have to learn

in order to achieve your financial goals.

 

Click the following link to read the article:

 

>> Why the Stock Market Won't Make You Rich (and What To Do About It)

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=44ldbyLS9YHP.qP&b=nnkSCWAeLd7lrJJEpCas0g

 

23) Click the link below to watch the Q&A Videos:

http://pinoymoneyacademy.com/game-of-wealth/bonuses/qa-sessions/

 

Also, the Resource Guide is also ready for download.

 

Click the link below to download the Resource Guide:

http://pinoymoneyacademy.com/game-of-wealth/bonuses/resource-guide/

 

24) When you shared the stock market with your friends and family,

What kind of reaction did you get?

 

Did they STOP you because it was risky?

Did they ASK you to teach them?

Or did they simply didn't care?

 

" 5 Stock Market Myths

and how to answer/overcome them as well "

 

Youtube Video Link: Top 5 Stock Market Myths

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3zNBmRXR9oHP.qP&b=z5wSRdUOVGQJp4upNmtOdw

 

In this video, you can really help

clarify the misconceptions about the stock market.

 

And in the off-chance that you're still not yet investing...

Then this video can remove some the most common obstacles.

 

Youtube Video Link: Top 5 Stock Market Myths

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3zNBmRXR9oHP.qP&b=z5wSRdUOVGQJp4upNmtOdw

 

25) WARNING!

 

Are you familiar with the social status trap?

This is the (DANGEROUS) belief that by climbing the social ladder,

you are also improving your financial stability.

 

This wrong belief is the reason why many people are poor.

Because they buy things that will only make them FEEL or LOOK rich.

But actually have a negative impact to their wealth.

 

I shot a very quick video about it here:

Youtube Link

 

(This video is just 5 mins long, but the lessons you're learn will last for a lifetime.)

 

26) Last April 2014 was one of the biggest IPO's in the country.

Double Dragon (DD) spiked to 50% gain during its first day

rose further to 135% gain 30 days later,

and by May 14, it had already rose to 263% gains!

Triple digit gains in such a short amount of time!

 

Now, its good that people are making money,

these events can also make a lot of people GREEDY and STUPID.

That's why I felt the need to create this video about IPOs,

so you have a REALISTIC sense of both the benefits and risks of IPOs.

 

Here's the Youtube Link:

 

(Sorry to have to be KJ about all this fast/hot/quick money)

But responsible investing is much more important that emotions.

 

27) Do you think you are financially fit?

 

Actually there is no standard test for that - but these articles

could give you a good idea of where you are already.

 

Here are the links:

 

Test #1: 7 Financial Milestones to Reach Before You Hit 30

(Have you reached these milestones?)

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3weiy5ULWnoK2qP&b=4NormIBMULZF2PL2umrIHA

 

Test #2: 17 Things Yuppies Need to Know to Win the Game of Money

(Can you guess these 17 things?)

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3weiy5ULWnoK2qP&b=oZYAFfMAVwcA_9FNesKg5Q

 

28) Let me ask you a quick question - which would you rather have?

a.) 2 FREE Cute Puppies OR

b.) Money enough to pay for 4 years of college in a premier university?

 

Of course B is the obvious choice!

But do you know that a LOT of people choose A?

And they do it over and over and over again as well?

 

This financial error is due to the lack of understanding

of the concept of OPPORTUNITY COST.

Simply put, its the opportunity lost when you decide to buy one thing over another.

 

In this new video, you will learn how seemingly small, and harmless choices,

can actually hold us back from our most important goals in life.

Find out how it happens and how to prevent it by clicking here.

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3u.mvB9MfkHP.qP&b=549docCHJbI80p4p5W26jA

 

Lot's of small but powerful lessons in this video!

 

which would you rather have?

2 FREE Cute Puppies OR Money enough to pay for 4 years of college in a premier university?

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3u.mvB9MfkHP.qP&b=l1zBnx1_Mn.TeaPlngu3Mg

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