MRROUGHSEX Posted July 28, 2020 Share Posted July 28, 2020 O yan Donya N. According to Don JBe analysis, lugi ka pag nagbonds sa Pinas hehe. Quote Link to comment
neville Posted July 29, 2020 Author Share Posted July 29, 2020 O yan Donya N. According to Don JBe analysis, lugi ka pag nagbonds sa Pinas hehe. Wa ako paki kahit UK market pa ang tingnan ninyo. Wala pa akong balak bumili sa labas ng Pilipinas. Besides, pantulong na rin sa recovery ng bansa ang bili ko ng bonds. Olats lang ako sa exchange rate. Nasa Pilipinas ako, mga dear. 1 Quote Link to comment
MRROUGHSEX Posted July 29, 2020 Share Posted July 29, 2020 Wa ako paki kahit UK market pa ang tingnan ninyo. Wala pa akong balak bumili sa labas ng Pilipinas. Besides, pantulong na rin sa recovery ng bansa ang bili ko ng bonds. Olats lang ako sa exchange rate. Nasa Pilipinas ako, mga dear. Ayos yan. Kung saan comfortbale ika nga. The Key is financial planning anchored by savings and we're all doing that kaya cheers to all! Quote Link to comment
JohannBeckham Posted July 29, 2020 Share Posted July 29, 2020 Wa ako paki kahit UK market pa ang tingnan ninyo. Wala pa akong balak bumili sa labas ng Pilipinas. Besides, pantulong na rin sa recovery ng bansa ang bili ko ng bonds. Olats lang ako sa exchange rate. Nasa Pilipinas ako, mga dear. For some people, bonds (or cash or gold, etc.),helps them sleep at night and that's a good thing. A good night sleep is precious in this rocky turbulent market. You dont need to follow my investment plan or anyone here kasi your risk appetite and goals is not the same as any of us here.I just highlighted the maths behind the effect of inflation in our chosen investment vehicles. 1 Quote Link to comment
Papa Popoy Posted July 29, 2020 Share Posted July 29, 2020 Donya Neville, hindi mo kelangang nasa US ka para mag-invest ka sa US stock market. Living proof...si ako 😂By the way, share ko lang itong tsismis na nakalap ko about GLD 😂 https://finance.yahoo.com/news/skyrocketing-gold-prices-are-being-fueled-by-lawmakers-and-this-one-threat-goldman-sachs-120250838.html?.tsrc=applewf Goldmans Currie now expects gold prices to reach $2,300 an ounce within the next 12-months. Curries bullish take on the price of gold is consistent with what other experts have told Yahoo Finance. 1 Quote Link to comment
neville Posted July 31, 2020 Author Share Posted July 31, 2020 For some people, bonds (or cash or gold, etc.),helps them sleep at night and that's a good thing. A good night sleep is precious in this rocky turbulent market. You dont need to follow my investment plan or anyone here kasi your risk appetite and goals is not the same as any of us here.I just highlighted the maths behind the effect of inflation in our chosen investment vehicles. That M word. Hay. Funny enough, the deadline's looming and I haven't infused a single cent in my planned bond investments. Donya Neville, hindi mo kelangang nasa US ka para mag-invest ka sa US stock market. Living proof...si ako By the way, share ko lang itong tsismis na nakalap ko about GLD https://finance.yahoo.com/news/skyrocketing-gold-prices-are-being-fueled-by-lawmakers-and-this-one-threat-goldman-sachs-120250838.html?.tsrc=applewf Goldmans Currie now expects gold prices to reach $2,300 an ounce within the next 12-months. Curries bullish take on the price of gold is consistent with what other experts have told Yahoo Finance. I better check kung may GLD market or broker dito sa Pilipinas. Ilag ako sa transactions na kailangan ng currency exchange. Quote Link to comment
MRROUGHSEX Posted July 31, 2020 Share Posted July 31, 2020 Ikaw ba Don JBe, how do you invest in US stocks? I think you mentioned you invest in Vanguard ETFs but how? Is there an Australian derivative that mimics Vanguard ETF or do you exchange currencies and use a Vanguard platform and log into the account when US market opens? Quote Link to comment
JohannBeckham Posted July 31, 2020 Share Posted July 31, 2020 (edited) Ikaw ba Don JBe, how do you invest in US stocks? I think you mentioned you invest in Vanguard ETFs but how? Is there an Australian derivative that mimics Vanguard ETF or do you exchange currencies and use a Vanguard platform and log into the account when US market opens? We have Vanguard Australia (Vanguards Australian branch), and i buy Vanguard U.S. Total Market Shares Index ETF (VTS). Its NYSE's VTI equivalent available for us Aussies to buy in the ASX. They both track the performance of CRSP US Total Market Index (VTS the ASX version and VTI NYSE version). My plan is to have a diversified portfolio of ETFs consisting of:Australian shares - VASU.S. shares - VTSInternational Excluding U.S.- VEU Simple. These 3 ETFs covers more than 10,000 companies in 52 countries across hundreds of diverse sectors. I dont seek to beat the market because i bet on the market winning over 10,15,30 or more years. Instead of betting my money on red on the roulette in one specific casino, i bet on the whole casino worldwide making me money. Since my investing plan is this simple, the main thing for me is to dump as much money I have in to these instruments. SAVINGS RATE matters more to me than RATE OF RETURN.Last year we save close to 49%. This year, we hope to beat that, 50% of take home pay or more. Edited July 31, 2020 by JohannBeckham 1 Quote Link to comment
MRROUGHSEX Posted July 31, 2020 Share Posted July 31, 2020 Thanks for the info Don JBe. I was just curious how non-US can find ways to invest into US like you and Don PP had been able to, for the purpose of learning way Pinoys in Pinas could possible invest also. Quote Link to comment
MRROUGHSEX Posted July 31, 2020 Share Posted July 31, 2020 (edited) Since my investing plan is this simple, the main thing for me is to dump as much money I have in to these instruments. SAVINGS RATE matters more to me than RATE OF RETURN.Last year we save close to 49%. This year, we hope to beat that, 50% of take home pay or more.My savings rate is only 25%. No economies of scale from double income couple, kasi single parent. Rate of return is my way to get as close to working couples' haul. Don JBe, pakireto mo nga ako ng magandang Australiana dyan sa mga friends mo. Kahit median salary lang sya ayus na. Preferably blue or green eyed. Ako lang ha, wag mo na hanapan ng ka-couple si Don PP kasi makamandag raw kindat nya sa Orchard Tower. Edited July 31, 2020 by MRROUGHSEX Quote Link to comment
JohannBeckham Posted August 1, 2020 Share Posted August 1, 2020 My savings rate is only 25%. No economies of scale from double income couple, kasi single parent. Rate of return is my way to get as close to working couples' haul. Don JBe, pakireto mo nga ako ng magandang Australiana dyan sa mga friends mo. Kahit median salary lang sya ayus na. Preferably blue or green eyed. Ako lang ha, wag mo na hanapan ng ka-couple si Don PP kasi makamandag raw kindat nya sa Orchard Tower. Dude, Aussies are everywhere. Just go on Tinder and you'll find them there. Here's some tips when you snag one of these hot ones 1 Quote Link to comment
JohannBeckham Posted August 1, 2020 Share Posted August 1, 2020 (edited) My savings rate is only 25%. No economies of scale from double income couple, kasi single parent. Rate of return is my way to get as close to working couples' haul. OK lng kahit 25% ang savings rate mo, ang laki na nmn ng networth mo. Ako ang target ko 5 years from now, i'll stop savings for my retirement and my wife. No more 50% or more savings rate for retirement. Whatever income we get we plan to spend them for a certain experience and punuan trust fund ng anak namin. I also plan to give the inheritance to our daugther earlier not when we die but give it to her spread across period starting when is 25 years old till she reaches 35 (e.g. deposit for a house, capital for her business if ever, wedding, etc). Our retirement money naming mag asawa will be just for us alone and we will spend them all hopefully close to zero by the time we both die. 5 years from now i'll be 45 and my wife will be 44. Hopefully we're still at the peek of our health so we can get to enjoy our money to focus more on experience that bring us joy e.g. travel, music, charity, etc. I just finish the book Die with Zero by Bill Perkins and if you read this book you'll understand more about my approach. https://www.diewithzerobook.com/ Edited August 1, 2020 by JohannBeckham Quote Link to comment
MRROUGHSEX Posted August 1, 2020 Share Posted August 1, 2020 OK lng kahit 25% ang savings rate mo, ang laki na nmn ng networth mo. Ako ang target ko 5 years from now, i'll stop savings for my retirement and my wife. No more 50% or more savings rate for retirement. Whatever income we get we plan to spend them for a certain experience and punuan trust fund ng anak namin. I also plan to give the inheritance to our daugther earlier not when we die but give it to her spread across period starting when is 25 years old till she reaches 35 (e.g. deposit for a house, capital for her business if ever, wedding, etc). Our retirement money naming mag asawa will be just for us alone and we will spend them all hopefully close to zero by the time we both die. 5 years from now i'll be 45 and my wife will be 44. Hopefully we're still at the peek of our health so we can get to enjoy our money to focus more on experience that bring us joy e.g. travel, music, charity, etc. I just finish the book Die with Zero by Bill Perkins and if you read this book you'll understand more about my approach. https://www.diewithzerobook.com/ Huwaw, Don JBe, paampon naman. Seriously, congrats for being young and learned in life. Kayo lahat nina Don PP, Donya N at iba pa rito. Ako na pinakasenior yata eh. Quote Link to comment
Papa Popoy Posted August 2, 2020 Share Posted August 2, 2020 My savings rate is only 25%. No economies of scale from double income couple, kasi single parent. Rate of return is my way to get as close to working couples' haul. Don JBe, pakireto mo nga ako ng magandang Australiana dyan sa mga friends mo. Kahit median salary lang sya ayus na. Preferably blue or green eyed. Ako lang ha, wag mo na hanapan ng ka-couple si Don PP kasi makamandag raw kindat nya sa Orchard Tower. OK lng kahit 25% ang savings rate mo, ang laki na nmn ng networth mo.Ako ang target ko 5 years from now, i'll stop savings for my retirement and my wife. No more 50% or more savings rate for retirement. Whatever income we get we plan to spend them for a certain experience and punuan trust fund ng anak namin. I also plan to give the inheritance to our daugther earlier not when we die but give it to her spread across period starting when is 25 years old till she reaches 35 (e.g. deposit for a house, capital for her business if ever, wedding, etc). Our retirement money naming mag asawa will be just for us alone and we will spend them all hopefully close to zero by the time we both die.5 years from now i'll be 45 and my wife will be 44. Hopefully we're still at the peek of our health so we can get to enjoy our money to focus more on experience that bring us joy e.g. travel, music, charity, etc. I just finish the book Die with Zero by Bill Perkins and if you read this book you'll understand more about my approach.https://www.diewithzerobook.com/Huwaw, Don JBe, paampon naman. Seriously, congrats for being young and learned in life. Kayo lahat nina Don PP, Donya N at iba pa rito. Ako na pinakasenior yata eh. Wahahahahaha...technically, ako nga ang single dito With no strings attached, kaya dapat kayo ang nagrereto sakin 😂 pero ayoko ng kapareho kong hampaslupa 😂😂😂I agree with JB na dapat naman ineenjoy ang kayamanan hanggat may pagkakataon..pero mas ok na nakakapag-enjoy at the same time nakakapag-ipon at nakakapag-invest. Medyo maswerte rin siguro ako ng konti dahil medyo maaga nakapagsimula at walang kelangang suportahan. Kaya looking forward talaga ako sa financial independence at more travel in the upcoming yearssss 😂 disclaimer: it does not mean na mas bigtime ako kay MRS, JB, Donya Neville, etc. 😜😂 ...dahil ang hampaslupa noon, hampaslupa pa rin ngayon 😂😂😂 Quote Link to comment
Papa Popoy Posted August 4, 2020 Share Posted August 4, 2020 (edited) Since meron akong extra time, share ko lang sa inyo why IJR is a good buy ngayon. By just looking at the graph without any explanation, you will understand what i mean 😉🍻If you want detailed calculations...paturo tayo sa ating master AI na si MRS 😊 Edited August 4, 2020 by Papa Popoy 1 Quote Link to comment
Flash_Brown Posted August 4, 2020 Share Posted August 4, 2020 OK lng kahit 25% ang savings rate mo, ang laki na nmn ng networth mo. Ako ang target ko 5 years from now, i'll stop savings for my retirement and my wife. No more 50% or more savings rate for retirement. Whatever income we get we plan to spend them for a certain experience and punuan trust fund ng anak namin. I also plan to give the inheritance to our daugther earlier not when we die but give it to her spread across period starting when is 25 years old till she reaches 35 (e.g. deposit for a house, capital for her business if ever, wedding, etc). Our retirement money naming mag asawa will be just for us alone and we will spend them all hopefully close to zero by the time we both die. 5 years from now i'll be 45 and my wife will be 44. Hopefully we're still at the peek of our health so we can get to enjoy our money to focus more on experience that bring us joy e.g. travel, music, charity, etc. I just finish the book Die with Zero by Bill Perkins and if you read this book you'll understand more about my approach. https://www.diewithzerobook.com/ This seems a real great plan...... kudos sir!! Quote Link to comment
MRROUGHSEX Posted August 5, 2020 Share Posted August 5, 2020 As of 20200805 2020 Financial Goals Non-Net Worth: Insurance: * Save up for parents' emergency bills to $8K (currently at $6K) * Increase college savings of children to $27K by year-end (currently at $27K) - MET Net Worth: Property * Reduce total debt to $42K by year-end (currently at $47K) * Expect condo value to appreciate to $52K by year-end (currently at $51K) * Anticipate house value to appreciate to $290K by year- end (currently at $280K) Savings for Current Use * Buttress business fund to $100K by-year end (currently at $188K) -- MET Savings for Retirement/Future Use * Grow retirement savings to $210K by year-end (currently at $185K) * Drum up social security savings to $192K by year-end (currently at $184K) (Note: PV at $360K for age 62) * Increase % of paid tax vs deferred tax in my Retirement savings to 25% (currently at 29%). -- MET Quote Link to comment
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MRROUGHSEX Posted September 5, 2020 Share Posted September 5, 2020 As of 20200905 2020 Financial Goals Non-Net Worth: Insurance: * Save up for parents' emergency bills to $8K (currently at $6K) * Increase college savings of children to $27K by year-end (currently at $28K) - MET Net Worth: Property * Reduce total debt to $42K by year-end (currently at $45K) * Expect condo value to appreciate to $52K by year-end (currently at $51K) * Anticipate house value to appreciate to $290K by year- end (currently at $282K) Savings for Current Use * Buttress business fund to $100K by-year end (currently at $188K) -- MET Savings for Retirement/Future Use * Grow retirement savings to $210K by year-end (currently at $185K) * Drum up social security savings to $192K by year-end (currently at $186K) (Note: PV at $360K for age 62) * Increase % of paid tax vs deferred tax in my Retirement savings to 25% (currently at 30%). -- MET Quote Link to comment
MartinDomingo Posted October 7, 2020 Share Posted October 7, 2020 QUESTION TO EVERYONE is 10,000 a day salary okay? tatanggapin ko ba? 10k a day times 30 days 300k a month? ok ba yun para sa pamilyadong maraming bisyo 1 Quote Link to comment
kengamboa Posted October 7, 2020 Share Posted October 7, 2020 Depende sa bisyo mo and how big is your family if pa spa spa lang bisyo mo and isang anak kasya na yan. Sample breakdown lang Wife = 500k/ yearPer kid = 550k /year (tuition, baon luho)Household expense = 600k/yearHoliday travel = 100-200k p#ta on the side = depends if escort around 30-50k a month may condo ako so tipid na minsan sa hotel billsMisc - 200k / year (home expense hospital bills The rest will go to passive income investment. Quote Link to comment
MartinDomingo Posted October 7, 2020 Share Posted October 7, 2020 300k a month is 3.6 M a year less sa mga sinabi mo 2.1M ang magagastos ano yantipid mode naba yan or magarbo na? Quote Link to comment
kengamboa Posted October 7, 2020 Share Posted October 7, 2020 If your in your 20's palang good na yan and if pepe lang luho mo as you get older kasi dumadami din hobbies/expenses mo. use the excess for passive income investment like properties, bonds, side businesses and never touch your passive income if anu kinita mo sa passive income mo invest in back into that to grow or expand. 8-10 years from now your passive income might be at par na with your regular income. You never know baka pag 40's 50's ka na you can support 2 family's na haha.. I have this barkada who works in a justice system. Have a legal mistress because he can take care of his family and the mistress at the same time all the luho kaya nya ibigay. 1 Quote Link to comment
MRROUGHSEX Posted October 7, 2020 Share Posted October 7, 2020 Konting hinay lang sa mga bebot posts mga parekoy. Meron tayong binibini OP dito. Hi neville! With regards to Don MD inquiry, I think humblebragging lang yang question mo Joke lang. Sobra sobra na yan Don MD sa Pinas or 2nd World countries. Sa First World, tama lang. In US, Pnp3M average salary per year so you are in 60% here with P3.6M. Congrats! Patsibog ka naman pre! Saan ba yan? 1 Quote Link to comment
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