r/phinvest

I had some fresh capital early this year. I asked ChatGPT to help me position it.

Where ChatGPT specifically helped me:

1. Stock screen - there are thousands of stocks out there. Instead of drowning in them, I used AI to help me sift through the areas where there is growth and continuous growth.
2. Managing the VAR (Value at Risk) - If you went to some form of financial school or studied trading, then you are probably familiar with this concept. This is personally my weakness as I cannot size my investments correctly. ChatGPT clearly helps me manage the VAR to minimize my risk.
3. Entry reminder - Yes, a traditional broker can do this. However, I like that instead of just setting a price target, I can ask the AI to show me the story and explain why an entry makes sense at that time.

My biggest winners:

• $MSFT - from the start at the 300 levels, this was a screaming buy from ChatGPT. I got a full thesis of reasons and also the "why."

• $ACN - this came in late, but it entered the radar of my prompt around July. It even told me about inside buying at 170, which solidified my judgment.

My losers (not yet materialized):

• $RKLB - this was included for a small VAR and as a speculative position. I did not follow the advice and sized it bigger than it needed to be. I am still in the RED.

• $IONQ - generally flat. The entry given to me was on the high side and I am still in the RED.

My Takeaways:

• AI is a great tool but it can still miss. You need to ask the right questions or else it like patronizes you.

• Even after a year of using ChatGPT, I still don't know how agents work. Lol.

UNTV's unfinished thirty-storey headquarters on EDSA was financed with a loan from Ligas Kooperatiba ng Bayan sa Pagpapaunlad (LKBP), a community cooperative founded in Barangay Ligas, Malolos, by small farmers and businessmen. That's according to the audited financial statements of Breakthrough and Milestones Productions International (BMPI), UNTV's content provider.

BMPI's latest statements, for 2025, report owing LKBP ₱1.29 billion in long-term loans. They also report another ₱580 million in loans maturing in 2026 without naming a lender. Together that's ₱1.86 billion, up from ₱1.37 billion in 2022. The ₱1.29 billion alone is 75 percent of LKBP's entire loans and receivables of ₱1.70 billion, the money meant to serve its nearly 16,000 members.

The loan is past its stated term. BMPI describes it as a seven-year loan at 14 percent a year. Its 2022 notes mention "the loan received in the year 2010," though without naming the lender. Even a loan drawn as late as 2018 would have fallen due in 2025. Instead, the balance keeps growing, and BMPI recorded no interest expense in 2022, 2024, or 2025. One note says BMPI asked its creditor to extend its payment terms "without incurring additional interest."

LKBP's own annual reports from 2016 to 2026 make no mention of the loan. Between 2022 and 2024, BMPI's reported balance rose by ₱472 million, while LKBP's loan book stayed flat and its own borrowings fell. If the loan is on the cooperative's books, the savings of thousands of farmer and small-business members are tied up in a single borrower that pays no interest. If it isn't, BMPI's audited statements misidentify where ₱1.29 billion came from.

The cooperative itself borrows, owing about ₱347 million at the end of 2025, and it funds part of its lending through LANDBANK credit lines.

The tower, now called the Philippine Broadcast Hub, broke ground in June 2014 and was due for completion in 2018. BMPI's 2025 statements show no construction spending at all that year. BMPI is wholly owned by leaders, relatives, ministers, and officers of the Members Church of God International (MCGI), led by Daniel Razon.

Sources:

BMPI, Audited Financial Statements for 2022 and General Information Sheet for 2022, published through the Media Ownership Monitor Philippines (VERA Files and Global Media Registry)

BMPI, Audited Financial Statements for 2025 (SEC Document ID OST106022026811529568), copy obtained from the Securities and Exchange Commission
Ligas Kooperatiba ng Bayan sa Pagpapaunlad, Annual Reports, 2016–2026

Cooperative Development Authority, advisory on member-only credit services

Kayo mga ka-PHINVEST may result na?

WORTH IT PABA ITULOY?

So basically kinuha ko to nung 2024 nung may work pa ako. But now kasi SAHM na ako and nahihirapan na talaga ako maghulog. Lagi ko gamit yung cc ko tapos iniistallment ko nalang. Sa tingin niyo after 10 years, worth it paba ung 500,000? Or much better ihulog ko nalang sa MP2 yung pambayad ko? Nahihirapan na kasi ako maghulog. Minsan yung budget na pang savings sana dyan pa napupunta. 😢

Hello po! The attached photo is my current IBKR and MP2 monthly investment allocation. Gusto ko lng malaman insights nyo if goods ba kung I switch my allocation by next yr?

For now, 65k a month ang hulog ko sa MP2 and 15-20k nmn sa IBKR. Plano ko kasi na mag focus sa IBKR (VUAA and VWRA) sa January next yr and will continue to do so for the next 5 yrs. By focus, I meant 65k PHP na ang ilalagay ko sa IBKR and 15-20k nmn sa MP2.

Me 3M ako sa MP2 and God willing, wala pa akong planong I withdraw yon so I will keep it park sa MP2 with the dividend reinvested yearly. (been doing the laddering strategy Kaya if ever, no need to wait na for 5 yrs. Mag ma mature n ung pera yearly)

From what I know, mas maganda talaga ang ang ETF funds in the long run dahil sa capital gain and dividends. Ang issue ko lng is that Yong IBKR kc inaccessible sa Pinas. Sa ngsyon nasa ibang bansa ako, pero paano nag for good na ako? Baka mahirap an ako I access ang IBKR account ko.

I'm 45 years old and will retire by 60 God-willing.

Should I take risk sa IBKR or pag patuloy ko nlng itong nasimulan ko sa MP2?

Salamat sa mga sasagot :)

I’ve been reading about investing in the stock market since 4th year of college (2023). I even made a plan to go 100% VWRA but didn’t execute until after 3 years of working (would have been 98.15% in returns with me doing nothing if I had just dumped the cash over there)

But I didn't even put anything in digital banks then, chicken as I am. It was a slow process for me considering my savings are growing and I'm still not taking risks (digital risks with banks but hey they're safe as safe goes)

Now I'm taking on other risks (broker risk, currency risk.. some others I forgot to mention here) by investing globally.

What helped me was:

1. Realizing all my money is in savings accounts and time deposits, and interest rates are going down (so long OwnBank 6%, GoTyme and Seabank 5%)
2. I am saving more and accumulating wealth as I put my life to endless work
3. Reading about finances, I learn that these are not the right vehicles for growth (only as emergency fund)

I wanted my money to work for me instead of losing to inflation and missed opportunities. Reading A Bet On Humanity: Why Index Investing Works (Simply Explained) from r/singaporefi also pushed me to go all in (where personal research is done)

And with my investable savings I am now doing chicken DCA to VWRA/VALL. I am 25 and have no big expenses in sight, and so considering my total assets, my comfortable allocation looks like this:

57% growth (VWRA/VALL)

26% emergency (high yield savings)

16% fun

Keeping my emergency fund high in this economy + AI's bubble butt bubble bath blood bath

This works for me without dependents and liabilities; Now that I've put my mute money to work I guess the next thing is to go for the raise🍻