general investing

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    What would you do if you are starting over at 40 y.o.?

    I know people might castigate me for this. But then again, I might gain some insight from people who actually have invested something. I'ma be turning 40. I don't have any savings or investments. Basically it's like I'm starting over. Am a single dude by choice. Would personally choose...
  2. M

    Ask Me Anything About Philippine Taxation! 11.May.2020

    Hi! I am a CPA specializing in Philippine Taxation. I created this AMA to help Filipino business owners and investors understand the effects of taxation on their financial decisions. Also, to promote our subreddit. Importance of taxation Effect on investment income - Financial advisors will...
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    How to maximize HMO?

    We always say that health is wealth so it is critical that also invest on our overall health. Can you guys share on how do u maximize the usage of your HMO aside from the usual check up pag may sakit kayo? For me, nung lumuwag n pandemic nag parequest ako sa dr to check my vitamin d, zinc level...
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    Gcrypto is scam, do not use it

    Banned because of using it. No support. The idea is making money through investments and trading, then top up using gcash and gcrypto to pay my utility bills. So, after doing so for a few months, banned without clear explanation. Support forms broken, so no contact. Proofs...
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    Number of 🇵🇭 $ millionaires in 2020

    Below are the # of High-Net-Worth Individual (HNWI) with at least $1 million in liquid financial assets Very-High-Net-Worth individual (VHNWI) with at least $5 million in liquid financial assets Ultra-High-Net-Worth Individual (UHNWI) with at least $30 million in liquid financial assets...
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    DragonFi 2.0: Tan Caktiong, Sia launch user-friendly app to to democratize investing

    Thoughts about this? DragonFi Securities, co-founded by prominent businessmen Tony Tan Caktiong and Injap Sia, launched its new mobile app, DragonFi 2.0, on Monday, aiming to make investing easier and more accessible for Filipinos.
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    Thoughts on ACEN Perpetual Shares? PHP 1,000 / share - A 7.13% p.a. B at 8.00% p.a. / min 100 shares

    Done a bit of research. Stock performance is okay. Got my shares at around PHP 1.00 so green pa din sya for me. Should I avail or pass? Just want to get additional insights first time if ever to get Perpetual Shares. Or better put money somewhere else?
  8. S

    Bdo P.E.R.A. Retirement account question

    Government employee ako and Meron kc ako tax credit certificate dito kay bdo tpos nag ask ako kay accountant nmin if pwede sya mabawas sa tax na binabayaran ko and sbi nya ndi daw pwede, it expired on december 2023 hinayaan ko n lng, Question is gusto ko p rin maghulog dito. Paano po kaya ang...
  9. C

    2.7 M million personal loan for 5 years

    Hello fellow redditors, ask lang for help and suggestions, im planning to loan 2.7 M, and currently ang credit history na meron lang ako is UB since nov 2023 lang and mababa siya, 15 K (kakasimula ko lang) So ang naiisip ko is magpersonal loan sa bank gamit collateral is title ng bahay. Ano po...
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    1,500,000 advise (father loves debt)

    Hello Pioneer redditors, kindly requesting advise for this. Background : My Father is addicted in having loans. Ever since, gusto niya talaga may utang. According to him, it makes him to work hard more kapag may utang siya. (Hindi na talaga siya napipigilan 55 years na, and he really does work...
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    Position Sizing newbie question

    hi guys! newbie paper trader here. I have a question and i hope someone can answer, thanks in advanced!. My question is regarding buying position sizing. after watching this video, , at around 3:58 minutes, he discussed the formula for buying position sizing. And it thought i try it with my own...
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    My mental model on Growing Wealth

    Disclaimer: Personal Finance is deeply personal and opinionated. Everyone has their own opinion. Don't judge others on how they spend / invest their money. If they are able to grow wealth using their method, then good for them. The ultimate goal of money is to be able to save time and to...
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    Solar panel results with data!

    I've only seen very few posts regarding solar and its viability as an investment. So here I am to show some actual numbers from our 1st month on solar. Do note that my solar installation was a semi-DIY venture to cut down costs. I bought solar from a wholesaler, an inverter from Lazada and had...
  14. N

    Q: For those investing in US Equity Funds for retirement, did you also factor in USD to PHP exchange rates down the line? What’s your outlook on this?

    Im looking into setting up retirement funds thru US equity funds. Im just curious on the general outlook/projections on the USD v PHP exchange rate 40 or so years down the line, at the time when we’ll be withdrawing from the fund and exchanging it back to PHP for use.
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