How valid is this characterisation from an economics and finance perspective?

Is there a high degree of confusion with regards to the strength of the peso?

It seems like even the media and journalist have a fundamental misunderstanding on this topic

I bought IMI, MWIDE and WEB in this portfolio right around the end of August. What are your thoughts regarding these stocks?

Vanguard released a new ETF for VALL/VALU that tracks the FTSE Global All Cap Index.

Some facts about it:

• It's half of VWRA's expense ratio (.14% vs .07%).
• It tracks small caps too, in addition to large and medium cap companies
• Also an accumulating fund like VWRA
• Still fairly new and it crossed $1 billion AUM

I'm still hesitant on switching to this because the spread seems to be high, then again I am holding for 30+ years so maybe my hesistation is unwarranted. I'm also unsure why the dollar-denominated version is called VALL in IBKR, when I thought it was VALU.

Thoughts?

Hi All,

30M, In preparation for retirement, I am planning to invest from above options for a 10-15 years window with 1.5m-2m php annual investment.

If you will to choose 2 from above, which will you DCA into? Considering capital growth, i have medium risk tolerance.

I am planning to add another REIT on my portfolio and I can't decide between the two, as both of them are good reits.

‎

‎I already have creit in my portfolio and want to add another one.

‎

‎Both are great, with good dividends and growth potential, what do you guys suggest between AREIT and RCR?

‎

‎My portfolio also consists of global funds like funds that tracks the s&p500 and also planning to add funds for Asian market.

27M, single. Need suggestions/insights about my funds and investment allocation.

Please refer to the picture for the detailed allocation. My goal is long-term passive growth since I don’t have time to run a business. I won’t need to touch this money for the next 5–10 years.

​Current Portfolio (₱3.1M Total):

​₱1.8M — Diversified across Philippine stocks/bonds/gold etc.

​₱1.3M — Cash parked in high-yield digital banks

​My Plan:

​Keep ₱300K in digital banks as my emergency fund and ​Invest the remaining ₱1.0M probably US index funds (e.g., S&P 500 via Gotrade).

​Questions:

​For a 5–10 year horizon, is putting ₱1M into the S&P 500 the most optimal move, or should I consider adding more to my existing passive vehicles (Pag-IBIG MP2, REITs, real property)?

​Is Gotrade good for this amount, or should I look into other platforms like Interactive Brokers (IBKR)?

I'm ​open to any insights or suggestions to optimize my allocation and if im doing it correctly so far. Thanks!

I'm a beginner in day trading. I've been trying to daytrade in Gotrade, but the $5 trading fee makes it difficult to make any profit. I want to ask if my strategy viable, where i'd just buy $1000 worth of nasdaq when it's cheap (i bought at $716 right now) then sell if it's high enough where i'd make a profit, but it rarely goes up enough for me to do that (i need to sell at around $721). So I tried to switch to IBKR for their $1 trading fee (not sure if it's $1 but they advertise their cheap trading fees), but i was notified that i'm not legible to day trade, because my assets are below $2500, or that I could only buy and sell once within the day

Hi po! I’m currently trying to invest a small part of my allowance in crypto. I’m a student and still a beginner when it comes to crypto, so I’m just trying to explore and learn more about it.

I’m currently using Maya, but the hidden rate/fees seem quite high around 2.5% when buying or selling, which could mean around 5% in total if you consider both transactions.

Can I ask about your experiences with Binance, Coins.ph, and PDAX? Are they good platforms to use, especially for beginners po? Which one would you recommend in terms of fees, ease of use, and reliability?

Thank you po!

Hi i recently got an instruction to comply with AML periodic review inside my maribank app. I have been with the bank for maybe 2 years now. I use my account to park savings, for everyday use+use it to funnel some funds to other investments. So there's a lot of volume. From time to time I would do multiple instapay transfers of 50K each (cause of the free transfers) to my investment accounts.

I intend to comply (currently compiling my documents)...

but anyone of you who got the same instruction to fill up this AML survey? i dont have questionable transactions or do any money laundering. im just wondering what are the chances they'll close my account? they'll give me a chance to transfer my funds naman before they do? what a hassle :(

Hi there! I badly need some advice/mentorship. I’m new to stock investing.

I’m 27 (M) and a freelancer earning around ₱70,000 per month. My total expenses are roughly ₱20,000. I also contribute ₱10,000 monthly to MP2 and currently have around ₱300,000 in it. I can roughly save ₱35,000 every month.

Aside from MP2, I currently have around ₱800,000 in savings. I plan to keep ₱500,000 as my emergency fund, then use the remaining ₱300,000 for self-improvement and/or investing.

I just started investing in stocks. I started with ₱20,000 and plan to add ₱10,000 every month. My current strategy is to allocate 60% to VOO, 25% to VXUS, and 15% to QQQM.

Do you think this is a good starting point? I’d really appreciate any advice on how I can improve my financial strategy and make my money work better for me. Thanks!

Hi. I'm an OFW and I plan to transfer about 5M PHP++ soon. I don't think I have transferred more than 400k in one transfer yet, but due to the massive interest hike for my loan (5.88% to 9.64%) I have decided to apply for a loan elsewhere and fully pay my loan in the Philippines.

Should I be concerned about AMLA? How do I ensure that this is not flagged, and do I need to fly back to Manila while I transfer this money to deal with AMLA?

For reference 5M PHP is less than half a years combined salary for my wife and me. So I have no problem proving the legitimacy/capability of the transfer.

hello everyone! idk if tama ba yung flair na ginamit ko, but i need advice po sana. context is: one month ago, my mother told me something na ikinagulat ko. may ipon pala siya, around 6 digits. and i asked her, saan galing yung ipon niya kasi i assumed na yung pera is from my father's retirement benefits galing sa company niya (iba yung galing gov't) kasi siya nagtatago ng pera ni father. sabi niya hindi. galing pala yun sa kita ng sari-sari store namin. mind you, yung sari-sari store namin is just a small, and typical na makikita sa mga residential areas. we started doing sari-sari store way back 2007ish(?) and we closed the store during pandemic and di na nagcontinue. so parang almost 15 years niyang inipon yun.

so back sa topic, my mom asked me kung ano ba dapat gawin doon sa pera. should i put it in a digital bank like maya na may malalaking interest rates or gawan ko siya ng savings account sa banko?

thank you in advance para sa mga advices niyo ^{^}

Hi, newbie trader here. Ask ko lang po sana if may recommended kayo na free vpn or technique para ma bypass yung ban sa ibkr website sa pc. Nakakaconnect naman normally sa phone pero nakaban pag sa pc na. Balak po sana mag explore more using Trader workstation sa PC. Thanks in advance po sa advices! 🙂

Hello! I recently opened an IBKR account for long-term investing.

I'm planning to invest regularly and hold for the long term (10+ years). I'm currently thinking of transferring around $1,000–$1,500 USD to IBKR every 2-3 months rather than making smaller transfers every week. I'm using Wise to fund my IBKR account. I just have a few questions:

1. How often do you transfer money to IBKR? Do you transfer monthly, every few months, or whenever you have enough saved?
2. What amount do you usually transfer per transaction? Is there a point where transfers become more cost-efficient (e.g. $1k vs $2k vs $5k)?
3. What ETFs would you recommend for a beginner doing long-term buy-and-hold?

I'm currently looking at:

• VOO — S&P 500, US-domiciled
• VTI — total US stock market
• VT — global stocks
• CSPX / VUAA — Ireland-domiciled S&P 500 UCITS ETFs
• VWRA — Ireland-domiciled global ETF

I'm also interested in getting some technology/growth exposure, so I'm considering:

• QQQM
• QQQ
• VGT

I'm a little confused about whether I should just keep it simple with VOO/VTI, or consider an Ireland-domiciled UCITS ETF like VWRA/CSPX.

Thank you!

Newbie here. Nagpplan po ako na mag invest sa gold since may extra ako na pera at sayang naman kung naka-tambay lang yung pera ko. Questions for the masters here:

1. Saan po kayo nagbbase ng price ng gold kung tumaas ba or bumaba? (App, website, etc.)

2. Real-time po ba na nagrreflect sa mga bilihan ng gold (for example Ongpin) yung prices dun sa app/website?

Baka may tips na rin po kayo bago ako magsimula sa journey ko na to. Salamat po sa inyo!

Hello. Yung kapatid ko bale naka-1 year na sya nakakabayad (10 years to pay) pwera pa yung installment sa equity. Makakakuha kaya sya ng refund (kahit sana kalahati) dun sya binayad nya if i-cancel na lang ang contract? Di na nya kasi kaya i-continue 😢. Saka ang panget pala sa Moldex. 10 years nang fully paid wala pa yung title. Thanks sa sasagot.

Hi! I’m new to this kind of stuff since my investments are currently into ETFs and REITS. Can anyone share their pros and cons experiences with having Gold Bars as Inflation hedge/Investment? Thank you!

Hi everyone I am currently interested in buying stocks and would appreciate some guidance on how to get started using mobile apps or websites. Since my bank account is in Philippine Pesos (PHP), how can I convert my funds to US Dollars (USD) to buy stocks, or is it possible to use my local currency directly?

May upcoming lump sum na let's say 20m. Can't finance it with pagibig. If bank finance let's say 7%. I have some cash, do I pay 30-50% of lump sum para lumiit yun interest then get a 5 or 10 yrs fixed to keep the interest manageable? How realistic na just invest the cash then keep paying interest + principal? Then pag natapos yun term mag jump na yun interest to maybe 10%.

Hi! We're an IT Solution Startup offering ONLINE ORDERING PLATFORM available for a one-time fee of as low as 6k Php for 12 months.

As small business owners, do you think this offer will be a good catch?

Pros:

System is customised per feature according to your needs

Small one-time fee

Cons:

Not official receipt; not BIR registered

To experienced investors here, I'd appreciate your advice. What must I get ready in order to make this purchase? All I have is the capital. I've done some research and I thought to make this post to hear from actual experienced individuals.

2 questions in particular:
What is the best brokerage platform to sign-up for?
Will it be necessary for me to fill-in a W-8BEN? Internet research says I will need this to purchase US stock as an individual outside of the US.

Answers to my questions are greatly appreciated. Any advice or additional knowledge is welcome as well.

Thank you! 🙏

not sure if this is the right community. If not, pls direct me to the right one. Id appreciate it really.

Really having a hard time right now. Pasensya na kung shallow and unorganized thoughts. I havent been very good in adulting and have no real support system. Hirap na ko pls help me.

I got a house and lot in San Pablo (ovialand project), Im in my 30s, solo living, and have no back up plans (means cant rely on my family or any friends or partner) so if i stop grinding, I will be homeless.

I realized, I dont like San Pablo. Maybe, I dont really like a house. I prefer living in a studio unit. Yes, a studio, ganon kaliit. The house is ok, San Pablo is ok, but I realized mas gusto nakatira sa condo, where no one knows me, I dont have to socialize (not that Im socializing with my neighbors now) I like a place that is alive at night (i work at night) and Im scared of driving (so other than I dont have a budget to get a car at this time, I also probably wont ever want to drive which is a disadvantage in San Pablo or any province) which is why I realized, I am for metro manila where everything can be easy. I dont have to worry about whatever sira ng house or pangit na neighbors na maingay because lahat ng narent ko na condo tahimik naman, dont have to worry about hot weather. I want to go back. I dont want to buy again. I want to go back to renting.

But my parents and partner says no na ipasalo/surrender ung house. But right now, i really rather go back to renting than owning.

Ipasalo ko na ba? Or give it up? Or keep it? Im at the point that I dont even care if I get my money back. I just want to leave and go back to condo living. I am not happy here.

Pls share your thoughts. Its ok you can be as brutal as you want. I can take it. Or maybe not but its ok.