Walang (Bear Market) Forever!

Kabayan, pababa ng pababa ang index ng stock market natin. From the all time intraday high of  8,136.97 noong Abril eh nag-lalaro nalang ito ngayon sa 7,500 to 7,700 levels. Nakakalungkot no?

Pero huwag masyadong mag-alala, bagkus eh i-review natin ang ating investment plan at mga stocks na hawak natin. I-check kung mataas pa rin ba ang computed Fair Value nito at kung matatag pa ba ang fundamentals, income forecast at sales ng kumpanya.

Alamin din natin kung pang Long Term ba ang stock na ito na pwedeng hawakan for 5, 10 or even for more years o kung ito ay pang Short Term investment lamang. Kung pang-Long Term ito na pine-Peso Cost Averaging mo regularly at sa 2020, 2025 or 2030 mo pa balak i-sell, eh mainam na mag hold-on muna dahil matagal-tagal pa naman nating pipintasin ito. Pero kung ito ay for Short Term o tsupit lang, eh sa tingin ko ay tama na mag-“cut your losses” nalang at bumawi nalang sa mas magandang trade.

 

Walang Bear Market Forever!
Normal lang na bumaba at tumaas ang presyo sa merkado kaya huwag mangamba, mag-panic at mag-sell ka-agad sa takot nating biglang mas bumaba pa ito. Masasayang kasi ang investment natin kung bigla tayong uurong ka-agad at ibebenta sa mas mababang presyo ang stock na binili natin. Kung ganito eh para tayong nag-Buy High, Sell Low  imbis na Buy Low, Sell High di ba?

Pero kung na-check natin na talagang humihina na ang financial fundamentals ng kumpanya, eh maaari tayong mag-“LIGHTEN” o ibenta ang ilang mga shares na hawak natin. Mas maigi ito kumpara sa pag-bebenta ng lahat ng hawak nating shares.

Pwede rin na instead na mag-benta, ay bumili ka pa ng mas maraming shares, dahil mas mababa ang presyo nito, kumpara sa naka-compute na Fair Value. Para itong mga “Sale” sa mall, na parang naka “20% off” ang stocks.

Isipin nalang natin na parang “Low-Tide” ngayon ang Philippine Stock Market at darating rin ang panahon na aahon rin ito. Parang noong 2013 na biglang bumagsak ang PSEI, pero after one a half year, eh naka-bangon rin ito at nag-all time high pa.

Stick to your plan lang tayo dahil… #WalangBearMarketForever!

What Is Your Dream For The Philippines After Your Experience Abroad?

Magandang araw kabayan! May paanyaya ang ating mga kaibigan sa 365 Travel Dates na i-voice out nating mga OFWs (at mga mahilig mag-travel) ang mga magagandang bagay na nakita at naranasan natin sa ibang bansa na ating pangarap rin na mangyari sa Pilipinas. Gusto nyo rin ba mag-share

Narito ang mga sinabi ng ating ilang kaibigan:

The Philippine Dream: The Voices of its Travelling Ambassadors

At heto naman ang ni-share nang ating kabayan na si Jon: ____________________________________

 

What is your dream for the Philippines after your experience abroad?

Blue Mountains, NSW, Australia

Blue Mountains, NSW, Australia

 

I worked in the Philippines for almost 4 years as a software developer before moving to Singapore last 2011. Then, with God’s guidance and provision, I was able to migrate here in Sydney, Australia three years after.

There are a lot of things I saw overseas that I dream to have for our country: such as the diversified & mature financial sector of Singapore; the decent minimum wage, free public education and healthcare of Australia and of course, the world’s fastest broadband internet connection of South Korea!

Life abroad is both challenging and fulfilling. Same as with my fellow OFWs, I had also bid sad farewell to my family & friends; heard racial slurs at my workplace simply due to my nationality; had anxiety attacks about my work visa not being renewed and survived home sickness every now and then. Though life is tough, our hard work and sacrifices were well remunerated, enabling our families to have a better life back home.

Aside from our remittances, I truly believe that our nation will grow and prosper if we continue to work hand in hand to attain progress and to abscond away from our imprudent mentality. Our bullish local bourse, including the recent credit rating upgrades from Moody’s and S&P, reflect the improving economic state of our country. Though we still have a long way to go, these small victories will enable us to go further beyond.

In addition, we Filipinos, should also change our wrong ways too. Let’s refrain from the lavish parties and squanderous shopping without considering our budget. Instead, live a frugal life and start to save 50% to as much as 70% of our income and then invest it wisely. Personally, I’ve seen highly paid professionals earning over P100,000 per month yet still end up broke because of unbridled consumerism.

Just as what George Clason wrote long ago:

“Our prosperity as a nation depends upon the personal financial prosperity of each of us as individuals.”

Yes, it may take us a lot of years, to achieve this dream of prosperity but just as the war-torn Japan in the 1940s regained back its economic strength in just a few decades, so can we!

Let’s continue to synergize our efforts and build our nation’s firm foundation through hard work and perseverance. Kindly reprimand other’s mistakes, instead of talking about it to death, and then focus on the optimal solution to our looming problems. Sounds like a better plan right?

Like a modern ‘bayanihan’, we can all unite to make our beloved country be the greener pasture we all long for.

 

– Jon Bonso

 

______________________________________________________________

 

Ikaw kabayan? Gusto mo rin bang mag-share?

Halina’t mag-bayanihan tayo tungo sa kaunlaran!

Crown Asia Chemicals PSE Debut, Bukas Na!

Magandang hapon kabayan! Bukas na ang inaabangang listing ng Crown Asia Chemical Corporation sa Philippine Stock Exchange. Ang ticker symbol nito ay: CROWN

 

Para sa mga nakalimot bumili o hindi na-allocate-an ng shares sa IPO nito kamakailan, ito na siguro ang ating pagkakataon para makabili.

 

Ano kaya ang magiging closing price ng CROWN bukas? Ibenenta mo na ba agad ang iyong CROWN shares na nabili mo noong IPO period kapag dumoble na ang halaga nito?

 

Narito ang mga karagdagang detalye:

 

http://edge.pse.com.ph/openDiscViewer.do?edge_no=1b18d7c4fe0933b2b15effbf9088d1ab#sthash.Do1JpBaT.dpbs

 

Abangan natin bukas!

 

10k salary to 100k

What you do with a P10,000 monthly salary

is what you’ll do with a P100,000 monthly salary.

 

Agree with this one. Kung nakasanayan nang 50%-70% ang savings rate noong nag-wo-work palang sa Pinas, then malaki ang chance na 50%-70% pa rin ang savings rate kahit kumikita na ng 6 digits.

10k_salary_vs_100k_salary

10k_salary_vs_100k_salary

Pero pag nakagawian na ang pag-gastos ng 50-70% (or more) ng income, eh malaki rin ang chance na ganun din ang gastos kapag malaki sahod.

 

It’s a matter of habit nga talaga.

 

Malaki nga bang talaga ang sahod ko?

Gaano ba kalaki, o ka-liit, ang sahod natin kumpara sa ibang bansa?

I-check natin iyan dito sa bagong Global Wage Calculator ng CNNMoney​:

 

CNN Money - Global Wage Calculator

CNN Money – Global Wage Calculator

 

 

Image Source: http://money.cnn.com/interactive/news/economy/davos/global-wage-calculator/