money Financial Planning

[MRROUGHSEX]

O yan Donya N. According to Don JBe analysis, lugi ka pag nagbonds sa Pinas hehe.

[neville]

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.

[MRROUGHSEX]

 

 

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!

[JohannBeckham]

 

 

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.

[Papa Popoy]

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.

[neville]

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.

[MRROUGHSEX]

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?

[JohannBeckham]

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 - VAS

U.S. shares - VTS

International 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

[MRROUGHSEX]

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.

[MRROUGHSEX]

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

[JohannBeckham]

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

[JohannBeckham]

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

[MRROUGHSEX]

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.

[Papa Popoy]

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 😂😂😂

[Papa Popoy]

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