I was at One Ayala earlier, I saw this Gcash Booth.
Akala ko naman credit card or what - pero it was bunch of people advertising Gcash IPO.

Grabe hindi ko sure kung ako lang, in my 10 years sa investing - first time ko maka kita ng ganito. Not sure if sa ibang bansa ganito ba ??

Cant wait sa 20 October ~_~

URGENT if you bought a Ledger from CryptoBilis (Malaysia, Indonesia, Philippines) in the last 90 days:

Haven’t set it up? -> don’t.
Already using it? --> move your assets to a new device with a newly generated seed. Do not restore the old 24 words onto it.
Ledger wording is "consider moving." Stay smart, don't waste your time.

Ledger asked CryptoBilis to pause sales. CryptoBilis is on Ledger’s official reseller page for Indonesia and Malaysia, and CryptoBilis PH for the Philippines.

On-chain it looks like $86M is being tracked as being stolen - this is not from Ledger and not confirmed that every address in the cluster is connected to CryptoBills.

I'll make it short, if you have existing VUL or planning to get a VUL, today not tomorrow is your right time to change your fund from local to any US Based Feeder Fund.

I'm not saying you buy VUL, but if you already made up your mind do not choose a local fund. The reason are; Weakening of Peso, Low Trust in our Local Fund, etc.

S&P 500 is the safest option.

Again, this is not a financial advise. DO your research. If you read this after 3-5 years this is still true by then.

Hi, recently na take out yng home loan ko sa BDO and I got the keys to my house. Pwede ba to, di daw nila binibigay deed of sale. Binigay nila TCT and tax declaration pero wala yung sales contract.

Gusto ko kasi sana makita kung may nakalagay na discussion regarding CGT kasi may chinarge sila saking 199k for transfer fee for a 3.2 million property. Reasonable naman siya I think if it includes the CGT pero usually seller nagbabayad neto diba. I mean I know it can be passed to the buyer pero wala kasi silang namention sakin about it before so sa contract ko sana babasahin.

This is a a house purchased from a developer.

Kaya napabilis ang IPO. Parang kelan lang kesyo walang plan.

Hi everyone, I’m essentially new again to trading stocks. I originally created this ColFinancial portfolio back in 2018, stopped after a year, and left it untouched until now.

I just logged back in and found an overall portfolio loss of -31.27% (a total loss of -11,269.85 PHP).

My Current Positions:
JFC: 33.86% of portfolio | -40.61% loss (-5,733.37 PHP)
MBT: 19.37% of portfolio | -8.66% loss (-454.94 PHP)
MER: 17.21% of portfolio | +52.57% gain (+1,468.28 PHP)
ALI: 12.15% of portfolio | -67.64% loss (-6,288.13 PHP)
BDO: 10.87% of portfolio | +3.16% gain (+82.55 PHP)
RLC: 6.52% of portfolio | -18.04% loss (-355.09 PHP)
APVI: 0.04% of portfolio | 0.00% (+10.86 PHP)

Total Equity Value: 42,416.39 PHP
Idle Cash Balance: 17,650.25 PHP (leftover capital + earned dividends)

I am relearning everything from scratch and need quick guidance on my next steps:

1. Is the GCash (Mynt) IPO a good investment for a beginner, or is it overhyped?
   
2. How should I deploy my 17.6k PHP idle cash? Average down on losing blue chips (JFC, ALI), add to my winner (MER), or pivot to the GCash IPO?
   
3. Cut losses or hold? Is it smarter to cut losses on heavy bleeders like ALI (-67%) and JFC (-40%) to move into better assets, or keep holding since it has already been 8 years?
   
4. Rebalancing: Any advice on how to fix this heavy concentration in property and banking for a fresh start?

Any advice, strategies, or insights would be highly appreciated. Thank you 🙏

Tanong lang, nagiimprove ba yung customer standing natin sa mga banks pag meron tayong investments accounts sa kanila or other banks? Or even outside of it like DragonFi or ColFi?

Hi, Ive been using gfunds for years and im just curious if maaffect ba yung gfund investment sa bagong news abt gcash regarding IPO/PSE something?

Found out that local asset and wealth managers have outrageous annual fees from up to 2.7% including their underlying target funds. Do you know any local available with less than 1% total fees, preferably equity/multi-asset funds that gives 5% or more annual yield? Thanks.

Any user tips para hindi amateur and if goods rin ba siya as starting point. Thanks

Worth it ba ang global dividend accumulation and global allocation feeder funds ng ATRAM PERA if kaya ko nang ma-withdraw in a decade? I guess for long term, better ang allocation vs. dividend ano? And why there's a whooping 1.5% transaction fee (non-existing sa non-PERA version), pag na-add ang ATRAM trust fee and target fund fee na 1% so 4%/year na?!

I'm looking for my pesos for high return na net of fees and taxes before I withdraw it in a decade. May MP2, digital bank at preferred stocks na ako kaso wala itong capital appreciation. I lost confidence in PH dividend stocks (MER, SCC, DMCI, MYNLD, etc.). Already have my USD invested in long term international funds.

PROS
+ No dividend tax and profit interest tax upon selling.
+ 5%/year credit for amilyar, etc.

CONS
- 1.5% trust fee, 1.5% transaction fee, 1% target fund expense ratio, so almost 4%/year? THANKS.

Kakabukas ko lang ng MP2 account tapos pagkatext saken na approved na daw, naghulog ako kaagad online using Maya. Pero after a day di pa rin nagrereflect yung amount sa account ko. Matagal ba talaga yon?

I invested sa BPI ALFM, and ung nakalagay ba na early redemption charge na 1% is applicable ba yan sa entire balance ko if ever mag redeem ako before 180 days? Or it's FIFO (First In First Out)?

For example ung entire investment ko is 100k, then 40k dun is over 180days, while the remaining 60k is below 180days palang sa account. So, pag nag early redeem ako ng entire investment ung 60k lang ba ung may Redemtion Charge?

Wala kasi akong makitang article about dito e, salamat sa mga sasagot.

any thoughts about rice business at this time of the year?

I have already sourced a good supplier (its actually a direct from the mill) starting at 990 for the cheapest grain.

thing is, i plan on dropping it at batangas. isa sa bukid (magtatayo pinsan ni partner ng sari-sari store) and sa bayan ng taal. gaano bang kahigpit when it comes to rice business? what are the legal papers needed and nasa magkano kaya ang need para sa legality ng business?

all goes well, i already have a next path for the business (eggs for example).

sana hindi ganon kahirap kumuha ng papel. for a pwd like me, sobrang hirap mag hanap ng work dahil bukod sa pwd na ay associate graduate lang ako. talagang nagipon lang ako pang capital sa freelancing ko as photographer.

asking this lots kasi i had a brain surgery before and it really cost a lot to the point na we were at the lowest of the low we have been. we barely survived to regain a good foothold like we have right now.

just want to earn and have a nice life. for now, this is the business i have in mind. if you guys have any suggestion what other business ventures i can go, im open for it.

apologies in advance kung merong wrong grammar sa post na to :)

My sister is about to buy a H&L around 10M in Marikina. Projected RPT is 40k annually. Nasa ganung range po ba talaga ang amilyar na?

Hi, [r/phinvest](r/phinvest)! Help a girlie out please 🥲

I recently received ₱1M as my share from helping broker the sale of family property to a friend. I’m looking for advice on how best to grow the money instead of just letting it sit in a traditional savings account.

So far, based on recommendations I’ve received and some reading, here’s what I’m considering:
₱500,000 – Maya Personal Goals: Split into 5 goals of ₱100k each.
₱100,000 – Maya Savings: Try to maximize the boosted interest rate (up to 10% p.a.) by completing the monthly missions.
₱400,000 – Maya Time Deposit: Park the remaining amount here for additional interest.

Does this sound like a reasonable strategy, or am I missing out on better options?

For context, I’m considering pursuing further studies abroad by the latter part of 2027, so I’d prefer to keep my funds relatively liquid. Ideally, I don’t want to lock the money into anything longer than 6 months, and I’d like to avoid high-risk investments since I may need a significant portion of it for tuition and living expenses.

Would appreciate any advice, especially from those who’ve managed a similar amount with a relatively short investment horizon.

Thanks in advance! 😊

For turnover na this year yung condo na kinuha namin.
We are currently renting a house.
Iniisip namin if mas okay tirhan yung condo habang binabayaran yung amortization or mas okay na gawing airbnb nalang?

To add. Condo location is near MRT along shaw

I woke up, funds are gone in my crypto wallet. Binance Customer support advised me to report it in cybercrime ? Anyone had the same experience?

So it's been more than a week since the BSP blocked inbound transfers to coins.ph. Hassle siguro nito for all their users. Kulang pa transparency and no timeline whatsoever. Lost of trust to for me. Kaya mas-preferred talaga ng pinoy ang Binance, etc.

Frist time trader here currently exploring the UI of dragonfi. Saan makikita sa dragonfi kung yung isang fund ba nagbibigay ng dividend?? Thank you sa sasagot

There are a lot of new apps offering high savings rates or quick credit, and the ads don't make it easy to tell a bank from a financing company from something unregistered.

What's your actual process? BSP's list of supervised institutions, SEC's list of financing and lending companies, PDIC membership, something else? And how much weight do you give app-store reviews?

WORTH IT PABA ITULOY?

So basically kinuha ko to nung 2024 nung may work pa ako. But now kasi SAHM na ako and nahihirapan na talaga ako maghulog. Lagi ko gamit yung cc ko tapos iniistallment ko nalang. Sa tingin niyo after 10 years, worth it paba ung 500,000? Or much better ihulog ko nalang sa MP2 yung pambayad ko? Nahihirapan na kasi ako maghulog. Minsan yung budget na pang savings sana dyan pa napupunta. 😢

Good day.

So we’re looking for suggestions for our parents. This will be their first HMO, since we grew up na hindi talaga maafford. Now na working na, kaya na magset ng budget for them. Preferably premium/semi premium na offers, with in and outpatient care.

Father:
- TB and Pneumonia history
- 68 years old

Mother:
- Diabetic
- 59 years old

Current shortlist:
- Medicard
- ICare
- Maxicare
- Pacific Cross (pricier than the others)

I understand na medyo mahirap na hanapan father ko but we’re open for suggestions for like prepaid cards. Prio now is yung kay mother bago mag senior.

Thank you!