Investment Advice

[AltisAndMZ3FAN]

I would like to look for advice here in tsikot regarding investment.
I’m 28, married. I just don’t know where to really put 3.8m savings (this is a separation package as i was retrenched by my company but fortunately i got new job the day after i got retrenched with 30% increase).
So here’s my situation, my wife and i already owns 2 vehicle (fxt,civicrs) so we dont really need a new one. We also have ongoing truck vehicle loan which has remaining 700k total balance. Currently, we are paying monthly for our home.

I’m the only one who’s working so i really want to know where can i put that extra 3.8M for the next 3-5years.


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[dr. d]

I would like to look for advice here in tsikot regarding investment.
I’m 28, married. I just don’t know where to really put 3.8m savings (this is a separation package as i was retrenched by my company but fortunately i got new job the day after i got retrenched with 30% increase).
So here’s my situation, my wife and i already owns 2 vehicle (fxt,civicrs) so we dont really need a new one. We also have ongoing truck vehicle loan which has remaining 700k total balance. Currently, we are paying monthly for our home.

I’m the only one who’s working so i really want to know where can i put that extra 3.8M for the next 3-5years.


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ask your bank for its portfolio of "safe investments".
kahit maliit interest, medyo sigurado naman.

[papi smith]

I would like to look for advice here in tsikot regarding investment.
I’m 28, married. I just don’t know where to really put 3.8m savings (this is a separation package as i was retrenched by my company but fortunately i got new job the day after i got retrenched with 30% increase).
So here’s my situation, my wife and i already owns 2 vehicle (fxt,civicrs) so we dont really need a new one. We also have ongoing truck vehicle loan which has remaining 700k total balance. Currently, we are paying monthly for our home.

I’m the only one who’s working so i really want to know where can i put that extra 3.8M for the next 3-5years.


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There's an upcoming offer by SMC of preferred shares series J, indicative rate is 5%, or 4.5% net of tax, interest paid on a quarterly basis. Alternatively, you can buy from the market other preferred shares offered by Ayala, Petron, FGEN, etc.

Or if you like a little risk, buy your favorite blue chip brand in the stock market and hold at your desired timeline of 3-5 years. Do not buy speculatives.

[ray_noel]

There's an upcoming offer by SMC of preferred shares series J, indicative rate is 5%, or 4.5% net of tax, interest paid on a quarterly basis. Alternatively, you can buy from the market other preferred shares offered by Ayala, Petron, FGEN, etc.

Or if you like a little risk, buy your favorite blue chip brand in the stock market and hold at your desired timeline of 3-5 years. Do not buy speculatives.

Bruh, yung smc preferred shares yan ba yung sa bpi? Hindi pwede mag apply sa ibang bank?


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[papi smith]

Ooops wait, I just backread your post and your paying for your house pala, I would retire that loan or part of it if kulang ang 3.8 without hesitation.

[jut703]

Lump sum on the house. Sarap ng fully-paid property.

If you're feeling risky, pangdown mo for a new property so dalawa na property babayaran mo - 30% increase ka naman sa income mo diba. Land will only go higher as it gets more scarce every single day.

We are the same age and the same stage (newly married) - my bonuses all go towards lump sum payments to fully pay our condo.

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[uls]

if he bought 3.8 million pesos worth of heng de face shield back in june....

[AltisAndMZ3FAN]

Lump sum on the house. Sarap ng fully-paid property.

If you're feeling risky, pangdown mo for a new property so dalawa na property babayaran mo - 30% increase ka naman sa income mo diba. Land will only go higher as it gets more scarce every single day.

We are the same age and the same stage (newly married) - my bonuses all go towards lump sum payments to fully pay our condo.

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We nearly become officemates too. Haha but gotta choose other options with my corporate career.


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[ratboy]

Damn. Jay Powell just announced that the fed aims to be done with QE by mid-2022. This jolted the bond market awake us market did not expect this "fast taper" pace($10 B usd drop in purchases of Treasury securities per month, not per meeting, which gets them done by June.) Surprisingly, equities and crypto market didn't even flinch and continued with their relief rally.

If the fed sticks with that stament, i wonder what would be the obvious forex trade here? do you guys think going long USD/JPY is good as there's no end in sight for BOJ's unli QE and japan continuously suffering from liquidity trap.

[uls]

^^^

parang wala nangyari