r/phinvest

I need advice from people who have experience in real estate or MP2 investments.

I currently have around 2M saved in MP2. My original plan was to withdraw it and build a small apartment for rental income. But because of the ongoing war and global issues, construction material prices have gone up a lot. Labor and permit costs also seem higher now.

Now I’m stuck deciding if building an apartment still makes financial sense, or if I should leave the money in MP2 for the stability and guaranteed returns.

For those who built apartments recently:

• Was the ROI still worth it despite higher costs?

• How long did it take before you started earning profit?

• Did the increase in material prices affect your plans badly?

• If you had 2M today, would you still build or stay with MP2?

I’m looking for practical advice and real experiences before making a big decision.

Browsing thru potential property investments. And somehow laging ridiculously mura at laging may available dun sa cambridge village. Whats the catch? Pure curiosity lang since wala akong plan bumili sa area.

It’s amazing that this Sub has a lot of young people interested in or has already started investing!

But just my two-cents: starting right is just as important as starting early! So some tips for Gen Zs who, by sheer discipline and consistency, wants to retire as multi-millionaires who could afford their own healthcare, travels, and quality retirement:

1. Except for MP2, do not invest in local equities or locally-managed foreign equities. Unlike US companies for example that invests a lot in R&D to create value (eg AI), local companies lack innovation and are heavily dependent on consumption. So no innovation= poor growth. Local fund managers charge high costs (even if they say they dont) when you compare it with the alternatives available to you (eg lowcost ETFs with very very low expense ratios).

2. Use your phone as your best investment instrument. Youtube, chatgpt, tiktok are very good sources of investing for retirement contents for as long as you exercise good judgement as to who to listen to. But back it up also with a little bit of research. The words to search to retire as multimillionaires: “ETFs” “retirement investing” “money cost averaging” “index funds” “financial independence” “frugal rich”, etc. manood din kayo ng video interviews ng quite millionaires!

3. Be intentional with your money. And that means prioritizing investing over non-essential consumption. If youve wired your mind to prioritize investing, youll see yourself cutting wasteful spending. For example, you want to buy a new shoes costing Php6000 when you still have 2 pairs in good condition, youd say if you put that Php 6000 in an S&P 500 index fund, that could well become 100k in 30 years’ time. Tell yourself: investing for retirement is a PRIORITY NOW. That is if you want to travel, live comfortably, and afford quality healthcare pag tumanda ka. At hindi ka aasa sa mga anak mo (which MUST BE the case).

4. Keep your investment strategy simple. For myself, I maintain a 3-fund retirement portfolio, all ETFs. That’s my preference. I do not invest in individual stocks. The way I go about it is, since I see a lot of potential in semiconductor companies (NVIDIA, ASML, TSMC, etc), instead on investing on these companies individually, I found an ETFs for semicon! So that’s ultra- high growth but also very votatile and cyclical…but it’s better than individual exposure. When I started buying SMH.L (the ticker for the ETF), it was just aroun 30USD per share 1 year ago. It is now at 105USD per share. Again, simple is better.

5. When you invest for retirement, think of your investments as lost money. Meaning, once you put it in your brokerage account, it’s gone. Not because the markets will collapse beyond repair, but because you should NOT access it until your retirement. So think of it as GONE. And then imagine walking in SM when you turn 60, and you found a wallet that apparently belong to you, and it’s got millions in it. If you start at 25 and plan to retire at 60, keep losing your money to your retirement investment account for 35 years!

6. Stay healthly. This is the good thing pag lasing ka sa retirement investing! You’ll consciously live a more healthy lifestyle. Kasi paano mo maeenjoy amg retirement mo kung patay ka na o marami kang sakit.

7. Ask CHAGPT to project your retirement para mainspire ka! At the rate I am going, and if I continue with discipline what I am doing, I should have at least 180M when I retire at 65. And that is what keeps me going. It fuels me.

8. Finally, pwede din maging milyonaryo tayong middle-class. Consistency. Discipline. Stay curious.

Happy investing!

So nakaipon na kami ng good amount after many years of honest hard work. Me and my partner are employees lang and this is our only money, we only get one shot at this, so we want to make sure we do everything we can to avoid getting burnt. This will be our first and only house, that we will live and die of old age (if we’re lucky) in.

My parents kung ilang beses ng nagkaproblema sa ibat ibang contractors. Mga friends ko ganyan din problema. Extreme Delays and substandard output and many more. Parang everyone in my circle has big problems with contractors one way or another. No happy story.

Ang daming ads ngayon ng contractors sa Facebook. We’re overwhelmed. Please help us, how do pick out a good one? Is it possible to talk with previous clients too? is that a normal practice? We really can’t afford to waste our only money.

Tanong lang kasi meron din akong investments like MP2, UITF, rental properties, etc. Iniisip ko rin ano pa meron to expand my portfolio

Hopefully passive talaga yung minimum effort needed from my side.

Hello all.

I plan to consistently invest a total of 20k per month to BPI US Index Equity Fund using dragonfi with 10yrs horizon. Which is the best strategy - 1k/day, 5k/week, or 20k/month? May difference ba? I am thinking daily would minimize effect of volatility, especially kung biglang mag drop. But then, potential gain can also be lost kapag daily at bullish ang market. Thoughts?

Goal - capital growth, keep up with inflation, malaking kita

Thanks

In line with the recent developments in IBKR, may I know who here invests in this feeder fund by SecBank? Please help in answering a few questions regarding your experience with it.

1. How's the experience from funding the account to subscribing in the fund?
2. Can the subscription be done purely online?
3. Can I also convert my PHP to USD seamlessly to fund my account?

Appreciate your inputs. Thank you

https://preview.redd.it/w5oi6c7tyk2h1.png?width=1009&format=png&auto=webp&s=323ea75dda795f1f165c79708f29addd7dbfb226

Hello, good morning Philippines. Planning to invest in JFC, but as of now what do you think the best move here?

I created an online Time Deposit at Metrobank a few days ago. P200k for 180 days at 4.5%, expected return after 20% tax is around P3620. Just to try it out.

I was curious about the "Terminate Early" button, and when I clicked it, the app showed my expected return. It's a tiny part of the interest earned and a big P700+ deduction on something called Document Stamp Tax.

The expected return if I end today would be -700 than my original amount.

My questions are:

• Is the Document Stamp Tax only there for early termination, or do I have to deal with that deduction each time I create a Time Deposit?

• Does the Stamp Tax mean longer cycles are better than shorter cycles since the deduction would take a bite out of every return? For example, 200k at 30 days and up to 179 days have the same 4.250% interest rate, are both the same or will the 30-day one be worse since there's a -700 each time?

• Or is the Doc tax just there as a way to prevent early termination, and I should expect P3620 (assuming rates don't change) every 180 days if I set the time deposit to auto-renew?

Any idea how to re install again yung binance or bybit for iphone?

Hi all,

30M, married, 2 kids. Soooo… if you check my previous posts, nagiisip akong lumipat to AU. However, meron din akong golden handcuffs. Decently paid director level position. Kainis. Got my PR through studying in AU. Easier yun dati eh.

Anyway, so ngayon I do have a decently sized portfolio din. (Check previous post din on crypto exposure, stocks, and RE) now that I think the economy looks pretty bad, sold most of my stocks and even selling my properties. Tapos hindi na rin ako bullish sa PH market, wondering if mas ok ba for me to invest in AU ETFs or US ETFs?

I plan to move to AU if things go even worse in PH. Near na rin ako sa fire number ko in AUD. But still going to work. Don’t plan to retire.

Question regarding sa tax kapag investing ka sa us stocks via gotrade or ibkr? Currently have stable job and ung company ko nagproprocess ng itr ko yearly. Kapag ba nagbenta ng stocks sa investment kailangan pa ideclare sa Bir un? Thanks