Where Do You Invest Your Savings?

**robot.sonic** · June 17th, 2014 09:02 PM

Enough na based sa plano kong amount when i started investing. Baka ipamana ko na lang sa magiging anak ko.

Di ko naman gagamitin yung pera don anytime soon. Kung gipit na lang talaga.

Im saving for a house and lot na. After nyan, save na naman para sa ibang bagay.

**jut703** · June 17th, 2014 09:08 PM

Originally Posted by robot.sonic

Enough na based sa plano kong amount when i started investing. Baka ipamana ko na lang sa magiging anak ko.

Di ko naman gagamitin yung pera don anytime soon. Kung gipit na lang talaga.

Im saving for a house and lot na. After nyan, save na naman para sa ibang bagay.

Medyo magkaiba tayo bro. Ako naman yung pang house and lot ko nakainvest rin, para kumikita pa rin habang idle. Bull market naman so very easy to pull out. Hopefully makabuo na ng pang downpayment before the next bear.

Posted via Tsikot Mobile App

**slapz** · June 17th, 2014 09:59 PM

I honestly, and IMHO, think that we are not in a bull market.

About 20% of my income goes to investments, this is going on for about 4 years now. Pero lumalabas kapag enough na to start the next phase of my house construction. 3rd Phase na ako, which is external na ng bahay. Hopefully matapos this year. Then 4th and last phase, pagandahin ang mga gamit sa loob.

Although, I am still contemplating kung tatapusin ko na ba yung bahay, or pay-off nalang muna yung car amortization, what do you guys think is the best way?

**confused shoes** · June 17th, 2014 10:23 PM

Forex and import.

**jut703** · June 17th, 2014 10:58 PM

Originally Posted by slapz

I honestly, and IMHO, think that we are not in a bull market.

About 20% of my income goes to investments, this is going on for about 4 years now. Pero lumalabas kapag enough na to start the next phase of my house construction. 3rd Phase na ako, which is external na ng bahay. Hopefully matapos this year. Then 4th and last phase, pagandahin ang mga gamit sa loob.

Although, I am still contemplating kung tatapusin ko na ba yung bahay, or pay-off nalang muna yung car amortization, what do you guys think is the best way?

Not as bullish as say, after recovering from the great recession, but I still believe we can hit PSEi of 7000 this year. Kung hindi, well, the bull will come someday hehe.

I think it's better to finish your house, since it's unlikely that you can restructure your car loan anyway. Di ka makakatipid by paying it off early, but you can benefit from the enjoyment of your dream home finished already

Posted via Tsikot Mobile App

**slapz** · June 18th, 2014 01:30 AM

Pero diba merong payoff amount? The problem is, yung binayarang mong interest for the past few months, is mas malaki compared kung let's say 3 years lang yung loan. 5 years kasi loan ko, dun lang siguro yung lugi dun.

Eh naluluma naman kasi kaagad ang bahay. ahaha!

Also, for me, the bull run peaked May of last year.

**CVT** · June 18th, 2014 08:11 AM

I do. I make it as diverse as possible...

Risk appetite for investment is high.....

“Familiarity breeds awe”
23.5K:fart1:

**frostmourn** · June 18th, 2014 08:37 AM

Sir anu classification ng bahay sayo? Condo depreciate while land appreciate. Be careful on your investments. Dami ko approve account lalo na ofw's na ginagawang primary residence ang condo which is wrong. 50 years lang life span ng condo. unlike sa lupa after 50 years ang laki na ng return wherein kahit apo mo mapapakinabangan nila. Safe trip! What a day!

**Noel Salisipan** · June 18th, 2014 11:54 AM

Ok na sa akin yung sa ibat-ibang bangko plus 3-major cooperatives na may interest na from 6% to 18% per anum. Yung malalaking interest e lipat agad sa mas stable na bangko kahit na maliit ang tubo.

**TopEngine** · June 18th, 2014 12:38 PM

Originally Posted by frostmourn

Sir anu classification ng bahay sayo? Condo depreciate while land appreciate. Be careful on your investments. Dami ko approve account lalo na ofw's na ginagawang primary residence ang condo which is wrong. 50 years lang life span ng condo. unlike sa lupa after 50 years ang laki na ng return wherein kahit apo mo mapapakinabangan nila. Safe trip! What a day!

Hindi na rin ganun kaganda ang condo na investment ngayon dahil hindi ka sigurado kung mapapa-rentahan mo bukod sa INTEREST na binabayaran kung hindi CASH pambayad mo sa condo.

Better read this article...
Lesson Learned from my First Investment | Richard Macalintal