Ok ba Mag Invest sa Stock Market?

[BoyL3]

hi guys, tanong ko lang po kung paano mag invest sa stock market? meron na ba mga tsikoteers na nagtry nito? ano ang pro and cons?

[1D4LV]

i used to dabble in the stock market, during the Ramos administration. ang dami kasing nag-IPO nung mga panahon na yun eh.

easily tripled my capital in a few weeks.

pero ngayon, down ang stock market and you won't really know when it will be getting up. foreign investors kasi is a little bit cautious in infusing capital here.

if you follow the buy low sell high principle, it might not work here in the near future. baka yung capital mo is itatago mo lang, without growth.

if you wanna invest now, the best channels are via TBills, Mutual Funds and Bonds. I myself has been putting almost all of my savings in Bond and Balanced Funds. they average around 10%/annually, with a low of 8% and with a high of 13%.

another option are variable life insurance (yes, i am from the life insurance industry too), wherein a certain amount or percentage of your life insurance premium is invested too in funds. may investment ka na, may life insurance protection ka pa.

tbills, i think are now averaging at around 7% for the 91-day, around 7.5 for the 120 days. kaya lang, ang hirap pa nung ikaw mag-mamanage, whereas sa Mutual Funds, may mga fund managers yung mga yun.

but if you are still interested in investing in stocks, you may try to call a stockbroker to help you with that.

[Chip]

hi
Im an amatuer day-trader but here is what little i know

first thing you do is contact a reputable broker (dont know any reputable ones, my brokerage firm is one my tito used to work for so sila na hehe). then study the market, trends etc then call the broker and tell them to buy at a certain price. take note some stocks do have a minimum number of shares. oh and they dont call it a stock market for nothing, it really is like a market- with buyers and sellers touting their wares(stock in this case)-so the broker posts your offer to buy on the market for lets say 1,000 shares of company A at 1 peso per share. Another person happens to be selling 1,000 shares of company A at 1 peso per share, so you buy those 1,000 shares via your brokers. Take note, if no one is posting shares for sale then theres nothing to buy is there? same thing with selling.

the broker takes his commision out of EVERY transaction- buying and selling this commision is around 2% (i think) + taxes + documentary stamps etc.
after successfully buying/selling you get a purchase/sales confirmation from your broker and are given a grace period of 3-4(depending on the firm) working days to pay up. If collecting from a sales, then you can either choose to have it paid out to you (again 3-4 working days) or have them hold it for you muna so u can buy even more stocks.

communication with the broker is via phone call, so take note this is really a trust relationship, someone claiming to be you can easily call the broker (and if di ka kilala) pretend to be you and unload all your shares.


hmm what else pa ba? well monitor the stock market carefully, there is really no science behind this, its just being informed and a lot of acceptable risk.

good luck

[Tacoma_34]

dati nag try din ako nito isang beses lang ako kumita sa stocks ng Globe.

[1D4LV]

i have connections with some reputable brokers. if you are interested, please PM me.

[mikey177]

Check out http://www.pse.org.ph/ for basic info on the stock market.

[nmtin]

don't invest in the philppine stock market... halos wala activity. The market is not bullish enough to gain money.

[ortonko]

BoyL3,

Actually, investing in stock has a higher risk than mutual funds, treasury bills & time deposits. However, if you have an extra money na natutulog lang sa bangko at kumikita ng about 5 to 8% per year, why not trying in stocks, its fun and cool!!! Pero kailngan mong mag-research ng market trends and insights. Hindi ako sang-ayon sa sinabi ni NMTIN na Philippine market is not bullish enough to gain money. As I've said if you know the market trends and outlooks, you will earn more, much more compared to just put it in the bank. Yon nga lang talagang malaki ang risk. Pero tulad ng nasabi ko kung meron ka lang extra money why not trying it in stocks. I'll give you one example, I've bought three months back PNB stocks at about something 22 psos per share, but look at this now, PNB stock is 47 pesos per share, that means if you sale it now, you already earned 53% in 3 months only. And PNB stock will continue to rise because of Lucio Tan's intervention on PNB. Nong dumating itong GARCI tapes, sabi nila babagsak daw masyado ang stocks natin, totoo bumagsak pero sandalian lang iyon which is normal yon sa stock markets throughout the world. Look at our stock market now, it's gaining!!! Kung nasa labas ka ng Metro Manila, mag-try ka sa online stock trading, heto ang website na pwede kang mag-try: www.2tradeasia.com

[morrissey_05]

amateur trader here.

ok ang stock market if you know what you are doing. study the market carefully, read, talk to your broker, be prepared to lose some because of the learning curve (if you are serious abt daytrading). consider your loses investment in education of the market. my broker says its like an investment in an MBA.

figure out your own diskarte. play it right and you can earn. be smart enough to admit you are wrong and PULL OUT immediately from a losing position.

the market is bullish now (which means for me, its not a good time to buy) hehehe

some personal disclosures:

bought DMC at around 2.00. after a couple of months, sold it at 3.90. not bad for a few months.

bought PLDT around a month ago at P1535. its now P1680. not bad.

the downside, bought BPC at 1.10 one friday. had to sell it at 1.00 that monday. also got my money tied up in a couple of bad stocks due to newbie mistakes. oh well, learning curve nga.

anyone got their own sob stories?

[Dieseler]

Its sort of like gambling. In the local stock market, dapat may connections ka or malakas ka para may insider info hehe.

Stocks rhymes with Stucks. So unless you are a stock market expert, lots of times, you'll be Stucks... lolz..

[creepy]

For a lot of non-professional investors, the market is little more than gambling. Find a broker who's well-connected (and whom you can trust), so he can help you out with information.

[badkuk]

there's no easy answer to that; it really depends on how you play the stocks. pag speculator ka, unless you're well connected and have access to inside info, para ka na
ring nagsunog ng pera.

i suggest you read up on warren buffet and value investing...they made a lot of sense to me.

you should also do research on a particular stock/company before you buy -- i.e. net income, total liabilities, total asset to liabilities ratio, etc. you should also keep track of the news involving the company

kung gusto mo na mas safe pa dyan...BPI has this Philippine index fund(min of 50k for 6 months). i'm not too familiar with the details, but if it's anything like the index funds in the us, they invest your money in the stocks that make up the main index(which are usually the blue chip/stabler companies) i think last year it had a 14% rate, give or take a few

o btw, before you get the wrong idea...i'm pretty new at this myself. really can't say i'm doing good at it B)

[imprezawrxsti]

Guys pasali, what about the FOREX? Anybody doing it right now? Im been itching for the past month. To start with, some self proclaimed " guru " is selling kit " how to do ti right " for about 3K to 4K dollars. I know there's only two way to make a million here in the US.... Real estate or stock....

[jds]

If you have the $$$ go for the tech stocks...... look at Google.

52wk Range: 95.96 - 317.80

Now trading at U$289.00

[Karding]

Depende din sayo kung madali, it takes a lot of time to learn the trading. Wala pa din naman akong tiwala sa mga broker na yan. May nabalitaan pa nga ako na mga taga San Juan, MM na broker kuno where the stocks did not exist at all. Nahuli yata sila.

Sana nga may time ako pag-aralan ang stocks dahil hindi na kailangan ng broker sa etrade.com

Nung nagbenta ako ng 2004 Civic ko early this year, this 28 y/o guy bought my Civic in cash. well, cashier's check of $12,000. When he picked up the car, he was on an SLK32 and his wife drives a CLK430. Both of which, was paid in cash as well. Then sabi nya, nasa stock trading daw sya using etrade.com. Ang sabi nya, it took him 5-yrs to really learn the trading, i.e. when to get out of the stock. He advised me to start with penny stocks.

primary stocks he has is Qualcomm.

goodluck kapatid.

[badkuk]

hmmm, tech stocks....very volatile

[Karding]

"its knowing when to get out..."

[the_wildthing]

The stock market is a good place to invest if you're looking at the long term, as in 20-30 years. It's just a matter of picking the right stocks and evaluating and updating your portfolio regularly. This is the part that needs time. Unless you're fully into it, wag na lang.

There are also short term and medium term traders, who really watch the market and do the "buy low sell high thing" and again, full time ka dapat dyan otherwise, well...

A broker can only do so much, I mean he's not just looking out for your money, he's also looking out for others, and besides, no offense, whether you make money or lose money, he still gets a commission for every sale.

So if you have the investment horizon (20-30 years) and no time, go with equity funds, which are professionally managed, or unliversal/variable life insurance as what happy_gilmore mentioned.

But if you have the time and money, go for it.

Now if you're looking at an investment period of 5-7 years, better invest in bonds Tbills or bond funds... The market might not go as high in that span of time.

As with any investment, it should be made with "extra" money, not the kids' college funds or retirement funds. These are best left professionally managed, unless you are a pro yourself.

HTH.

[BoyL3]

tnx sa info, paano ba ung life insurance?

[1D4LV]

tnx sa info, paano ba ung life insurance?

life insurance is different. there are several types of L.I., which caters to pure protection, endowments, and investments.

pag protection. bayad ka lang ng bayad, makukuha yung proceeds or yung amount of insurance if you die.

pag endowments, you have to pay premiums for a certain number of years, then you get the entire phase amount at the end of the contract. example...you pay 12000.00 something every year for 19 years. then at the 20th year, you get the entire phase amount, let's say 1M.

pag investments (or also called variable life). you pay premiums, tapos yung premiums mo are divided by the insurance company to: a) as payments for your life insurance b) they invest it in mutual funds too. so when a) you die, your beneficiaries will get the face amount of your insurance tapos yung other portion you can play (actually ask the insurer) by transferring investments (example pure bonds, stocks, etc...). pag hindi mo kunuha yung item b, it will be added to your face amount na mapupunta sa beneficiaries mo pag namatay ka.

please take note that all of the types of insurance products that i've stated above eh:

a) may dividends which you can accumulate with interest, which you can add on to your benefits or you can withdraw as cash. most policies start earning dividends starting at their 3rd year (3 years of paying).
b) pwede ka ring mag loan vs the policy, starting the 3rd year (kasi may cash value na yung policy mo). may interest nga lang yung loan, and if you fail to pay the loan, i-dededuct yung loan balance + interest from the proceeds if in case, something happens to you.

there are also insurance products na parang savings lang... aside from the life insurance benefit, may parang rider sya na pwede kang mag-deposit/withdraw from a fund. normally, insurance companies pay around 8% annually for these funds.

life insurance policies also come with riders (waiver of premiums, accidental death, disabilities), na pandagdag ng policy proceeds/benefits, in case you die in an accident (normally *2 ng face amount), or if you are disabled or something.