if you had 20k, how would u invest it?

[Boses Palaka]

20k? may time ka mag biz? you could sell merienda like turon, banana cue, etc.

or pwede rin mag buy n sell ka ng ukay ukay clothes 1 box ata is 10k if I am not mistaken.

Sana nakatulong

[johnmaxwell]

hello!

may minimum ba na number of shares/stocks na pwedeng bilhin?
can i, for example, buy just 10 shares or 20?

Depende sa stocks, look at the board lot sa pse website, yun yung minimum shares allowed to purchase and its increment purchase. Say 100, the minimum purchase is 100 then 200 then 300 and so on.

hello!

and where do i start? can i just go to the PSE building sa makati and just ask around where to buy?

i went to the PSE website and i got overwhelmed. i honestly don't know what to do or where to begin. actually, yung mga posts nyo din dito are hard to understand. =)

!

You have the option to purchase through a broker or online. I preferred online kasi ayoko na kasi nung tatawag pa sa broker to close the deal.

Start small. I'm doing my online trading as BPI.

http://www.bpitrade.com/trade/;jsess...d85cd7ec2710f7

Read through their site and that of PSE to learn how to interpret the numbers. As a beginner, stick with blue chips or yung listed sa PSE index para medyo stable.

Caution, investing in stocks is risky regardless of the stocks you purchase, you need to understand the process and be patient in cases that your stocks are going down. Hintay lang. The longest I wait for my stocks to earn was around 4 to 6 months. Or at least bumalik sa purchase price para di malugi.

Hope this helps!

[radianLB]

a small Loan business in your office pautangin mo yung mga trusted and close officemates mo, say 3% interest per month. sa 20k principal, P600 pesos/month din yun. or invest in the stock market. i'm doing both BTW

[gregpacsis84]

hindi kaya another pyramiding scam yan? Just asking baka maglahong parang bula ang 20k ko kung sakali?

nope. this is not a scam. kasi once you join may makukuha ka na mga products and pag nakarecruit ka meron kang commission.

[panggo]

It will always depend on your goals. Make sure you always set goals for your money or else other people are going to set goals to get your money (SM, Robinson's etc. hehehe)

If it's a long term goal, 3-5 years from now, i suggest put it in a stock fund, it fluctuates a lot but if you give it time the risk goes down the longer you stay.

It you are going to be using within the year then go for a regular bank account.

or maybe put it aside for your retirement.

Different goals need different solutions. So start with your money goals first

I'd love to be of help to you, just send me an email at sarreal_robert@yahoo.com or text me at 09157808899

[pbiz]

How come putting up a business is not an option? Isn't it the best way to invest your money?

a)Buying blue chip stocks with your 20k? How can you earn passive income when you are just buying a small number of shares?

b)Get a pension plan? Wait till you are 65 before you can get back your investment?

c)Time deposit - Lugi ka pa because of inflation.

In short, the above options for investing your money won't make you wealthy. Your money will not be working hard for you in any of the above options.

Coach Ryan Vergara

Join My Business Community: http://ca2020.net
Free Wealth Course: http://kofines.sulit.com.ph/
Entrepreneurship Blog: http://biznation.blogspot.com
Email: pinoy.billionaire@createabundance2020.com

Hi, I visited the links. Maganda yang Create Abundance link ninyo. Still exploring it.

[climaxcooldud]

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[ground_break]

20K?

Ilagay mo muna sa UITF or mutual funds..

Pwede din itago mo muna hanggang makakuha ka ng 50k.. There mas wide yung choices.

[KITHE ORTIZ]

20k is a good start to make your first million pesos in just 5yrs.. open an account sa mutual fund, (balanced fund) if you save 20k monthly as succeeding investment for the next 5yrs, its not far you can have your 1st million pesos..

[climaxcooldud]

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[D_Pioneer]

It really depends on your financial goal, whether it's for short-term or long-term investment.

If you plan to invest the money for a short-term period (let's say 1-4 years), I would suggest you just make a time deposit in the bank.

On the other hand, if you go for a long-term investment (5 years and up), I am willing to guide and would prefer to educate you first, so you would take 100% responsibility of your financial life. You only have the choice only if you have the awareness.

For free mentoring and further inquiries, please contact: Engr. Dreb Samonte - 09163263396

or email at learn_wealth@yahoo.com


P.S. No place for B.S. and no place for Get-Rich-Quick scheme.

[thegreatmind]

Dami advertisements dito!

[thegreatmind]

I studied Financial Planning so that I can take hold and learn about building and understanding and asset allocation even if I am not a business course graduate. Also I am engage in real estate selling which is my part time work wherein I still have a 8 to 5 job but not really that 8 - 5 but a shifting rotation one.

If you are going to ask me if I want to get out of the rat race. I do want it but not for now I am still starting out and learning it thoroughly.

Visit my blog at http://pinoymoneyvantage.blogspot.com

[the planner]

Depending on the stability of your income, you should have anywhere from a couple of months to a year's worth of expenses of savings for emergencies.

If the 20k is your only savings, I'd just keep it in a savings account. If it's above and beyond your emergency savings, I'd put it in something like a mutual fund.

Hmnn Mutual fund is risky di ba? But kung willing ka naman ma water why not mas maganda kung medyo malaki sa 20 k money mo VUL na lang invest nila sa Mutual fund with insurance siya. Yun sabi ng friend ko na nag invest sa VUL.

[the planner]

I studied Financial Planning so that I can take hold and learn about building and understanding and asset allocation even if I am not a business course graduate. Also I am engage in real estate selling which is my part time work wherein I still have a 8 to 5 job but not really that 8 - 5 but a shifting rotation one.

If you are going to ask me if I want to get out of the rat race. I do want it but not for now I am still starting out and learning it thoroughly.

Visit my blog at http://pinoymoneyvantage.blogspot.com

Hmnnn sounds like ROBERT KIYOSAKI of Rich Dad, Poor Dad. Don mo ba to pinattern? I like the book!

[knightrader]

First things first. You cannot build a house without putting in the foundation first. The first priority in any wealth building plan is savings. There is NO alternative to this. You need AT LEAST 6 months of living expenses tucked in a liquid account w/ no market risk. Then you need an emergency fund of at least equivalent to again 6 months of living expenses. That's total 12 months. e.g. if your monthly expense is P30,000, you need at least P360,000 before you venture in investments or business enterprise.

You cannot sell an investment because you are short your mortgage payment. You cannot spend your working capital because you need to buy tires for your car. You can be hospitalized, lose a job, become disabled, etc. There are many risks. Not to have at least 12 months of living expenses before investing or business venture is asking for trouble. Pinoys have this "ningas-kugon" and "bahala na" attitudes that will set you back. The positive pinoy trait is akin to the characteristic of the bamboo... it bends during strong winds in a storm BUT IT NEVER BREAKS. The ability to withstand reversals is proportional to how much effort you put in preparation.

Wish you the best. Financial success is 2-edge: 1)ability to increase and protect income and assets and 2) Ability to withstand reversals and rise from every fall that all beginning enterprise will be subjected to.

[climaxcooldud]

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[climaxcooldud]

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[ica123]

i like this thread. i'm still a student n 21 but this thread made me think more about the worth of a 20k. hmm... based on what i've read starting from page 1, i think its better to save it up on TD while u plan for a business. i think its really important to plan the business like do research on the location, price of materials and where to get them. anyways, this is just my opinion and i don't have any business experience, but i'd really like to hear what others think about the 20k. i really like this thread :P

[climaxcooldud]

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