Watching ANC on the money year 2021... I'm 27 kung natutunan ko lang to about pera nung ako'y 10 yrs old sguro may million na ako ngayon. But better late than never. 🙂
Edric, I remember you each morning on ANC eye on the money yes? I was visiting the Philippines for a year, and watched often if not daily. I miss the Philippines, ANC your show, so sad I am trapped here in the uSA. Some day I shall return. General Mac Author
we never took aside the inflation rate per year that is 5.6% and if the bank has a 2% interest per year you are technically losing money so invest in a mutual fund,uitf,vul
Sadly, only ANC is the news channel that nobody tries to stream live for free. Been looking for years, it's just not there. Kahit nga yung really really bad na yung resolution, you just can't find one. I wish ANC will be the first Filipino news channel to stream it's content 24hrs live and free in the internet. Bet that's not going to happen any time soon. Most channels are just in for ads money and not the true media service nowadays.
To me I'd like mine to be 29% Regular saving, 20% Mutual Fund TFSA ( i live in Canada ) ,12.9% Mutual fun Non-registered, 27% Mutual Fund RSP... and the fun part 3% Canadian Stocks.. Im only 23 years old too so got alotta of time to be working on my portfolio..... looking to invest in the PSE soon :D
You're just 23 but you are already thinking about investing for your future. If only more young people think like you do, we would have a more prosperous country. Good luck with building your port.
+Alvin Verga thanks... its tough making a living here in Canada.. It isn't easy, im currently working 3 jobs.. yea i hope young pipz start to think about this.. because forget about the money part,, its the timeee they are loooosing.. money u can always get back.. but time losss is a time wasted.. so dont waste time... and you will be young and have pretty good capital to work with.. goodluck to both of us.. chow ;)
love this show..im trying to watch this everyday! finally they begin to upload episodes of this. since im still at work when they show this in the evening i stay up for the reruns at 2:30am :-) thanks ancalerts:-)
this is good advice for everyone but he should have mentioned how much is the cost of these funds, bonds etc. it will matter tremendously in the long term. the Philippine government should also encourage saving/investment by passing legislation conducive to it. My question, why do you have to go through the banks to buy these equities and funds, why not buy it directly from the discount broker/financial company to lower the cost of investing.
That depends on where you live. In the province 14k per month is just enough to live by comfortably, in the city 14k per month is impossible for a family of four to live comfortably.
30K x 12months x 10 yrs = 3.6Million , Inflation per year is 2% to 5% . say 3.5% per year x 10 = 35% , 5M/3.6 = 1.38 Therefore, 3% lang kinita mo in 1 Decade. therefore is not good ohm. Talo ka pagganito Bangko lng kumita! My Opinion at least your salary must be 2.5 ( 30K ) = 75K/ month oh? ohps mahirap yata kumita ng ganyan kalaki salary sa Pinas. So difficult sa Pinoy eto. magano lang sweldo ng Pinoy sa Pinas!
One thing these financial Gurus do not say is...Saving money is only for people who have money to save.It is not applicable to people who live on paycheck to paycheck. Another thing is they do not say that it is useless to save money in the bank. With so low interest rates, your money will lose value overtime because of tax and inflation.
Born2drinkstuff , there is a saying that says," it does not matter how much money you earn but rather how much money you save and invest". If one earns little income, the more important it is to budget money that also focuses on savings. Even just setting aside 10% monthly from one's earnings can mean a lot in the long run. Yes, I agree, those with higher income earnings have the advantage but the question is, did that high-earner took advantage of his/her situation? If he just spends without making any concrete goals as to his personal finance for his future and did not bother to save and invest or open a sustainable business and become a sophisticated investor that makes money for him with the right vehicle while still young, healthy, and able to work, eventually, he will one day regret he did not take advantage of his high income days.
5million is possible if u invest 30,000 in stocks and add 30k monthly but if you,re gonna invest it in bonds its impossible. If you’re an aggressive type of investor I would invest in stocks.
hindi ko maintindihan ang sinasabi dito. pero panu na ba yan kapag nagdeposit ka ba ng 10,000 sa mga susunod na buwan hindi muna kailangan magdeposit pa ba ulit
Kuya, mag math ka, 1,000,000÷5 years ÷ 12 months.. yun ang itabi mo monthly.. sureball na may 1M ka. Kung ilalagay mo sa investment kikita ka interest mas mabilis ka magkaka1M. :)
Yung deposit naman basta at least may 10k ka... kung gusto mo dadgdagan magdeposit ka basta may 10k dun. Meron mga ibang plan.. sa bdo.. pwede ka mag deposit 1k/month until mameet mo yung 10k.. Yung iba 5k lang, depende sa bank. Check mo bawat bank kung ano yung mga terms nila. :) Good luck. :)
Richard Buizon Oo, kailangan mag invest regularly ( monthly, quarterly, semi-annual or annual) sa mga portfolio funds like equities, bonds na magtugma sa iyong kakayahang "RISK PROFILE" na dapat mas malaki ang tubo kaysa inflation rate...pag naipondo mo lang lahat sa bank account mo, maliit lang talaga ang tubo, less than 1%... so sayang. Bakit kailangan mag invest regularly? Para maka "take advantage" ka sa up and down movement sa prices of shares ng stock market na kung minsan makapagbili ka ng mas mura ( down movement) na ibig sabihin mas marami ang shares mabibili mo. Dapat din mas mahaba ang iyong paghintay na panahon at least medium (5 years) to long term (10 years or more) na ipalago ang pera mo sa pamamagitan ng compound interest at cost averaging bago mo maisipan mag partially withdraw o totally withdraw (selling) sa shares of stocks mo.
Aseret Tee that depends on you as an investor po. Are you aggressive (risk-taker) or conservative (more on protection) when it comes to investing? Well, investments aren't risk free dahil nakadepende sa market yun which is volatile - goes up and goes down po. Ayun, you may inquire to diffrrent institutions na may investment and ask from them. :)
19:17.. of course there is charge..be careful by doing investing your money guys.. some bank agent (this is what i called).. there is hidden charge that they wouldn't talk about or should i say they playing safe.. remember this is BUSINESS.. careful..
IKAW o MAY KAKILALA KA NA GUSTO MAG SIMULA MAGNEGOSYO! Di na kailangan na may karanasan sa pagnenegosyo o kaya mataas na pinag-aralan, FREE TRAINING SEMINAR - Ituturo sayo kung panu gawin ang negosyo EASY OPERATION - Mag-invite ka kami mag-paliwanag para sayo EASY EXPANSION - Taga Manila ka at may kakilala ka? sa probinsya o abroad at nagnegosyo din katulad mo automatic expanded na negosyo mo. Tuturuan din natin sila panu gawin ang negosyo.
20 years ago, I got plan from prestigious company for my future. but after paying for five years, the company suffered a loss. as of now, the plan still the plan.
It was funny to hear the investment specialist suggest that the couple making 40K should invest 26K per month and live on the rest, for two working adults with 2 kids I would suggest that its just not possible if they have to pay their own expenses.
Grant Ewen Agree with you. Perhaps, the couple should find other ways to add to their present combined income of P40k through good business ventures if it is not possible to demand a salary increase...Or, they could apply the 70/30 rule at the moment while scouting or researching for a good business venture...that way, the couple have really started doing something to reach their future financial goal...30% savings, 70% expenses per month.
To achieve your goal of 10mil in 10yrs, you need to invest a fixed amount of 55,000 a month for the next 10yrs assuming a 10% interest rate per annum in your investment and assuming you reinvest the interest you’ve earned back to the capital. Your welcome.
Yes, that's only 500k per year to make 5M in ten years i guest that's not enough to sustain a better lifestyle due to inflation.. I much prefer higher amount than that i Guest at least 1M per year target to make 10 Million php for the next 10years.. That's average of 100k per month i hope i will make that in the near Future..
ART Domingo jr., compounding interest could help. Try to find a vehicle that could earn you compounding-interest above the projected inflation rate of 4% to 6% per annum. For me, since I am too lazy to do individual company performance researches, I go for pooled funds managed by very good fund managers. I prefer equities funds for my long-term investments.
Pre-IPO(Initial Public Offering) secret sauce smart investors, front loading ahead of bankers, brokers...by (ad)venturing with private company insider/founders.
I noticed that as with most shoppers in the world and the Philippines is no different, shoppers in the Philippines, want to feel good, now, today, and feel as if the future will never come, never improve, so they look around and think, this adobo lunch, which is 150 php, is good, and eat it, and once they eat, in 4 to 6 hours, what does it become? Poo...Don't not eat your money and make it become poo, because you can cook adobo at home, and maybe better...Stop trying to be like America, it is wrong...If America was so great, why are they moving to Vet Nam, Thailand, Philippines, Singapore? It is not for sex, it is a slower better way of life...SAVE INVEST AND GROW YOUR LIFE AND JOIN THE FUTURE IF NOT FOR YOU, YOUR KIDS
Obviously this is about marketing BPI's products. That's fare. But his opening statement is a big 'BS' (sorry can't say the word). Using his very words, "if i were to ask someone who just graduated from college to set aside P100 a month ... keep doing that until he was 60 yrs, he'd have a million". Mark that: P1 MILLION. So say graduates at the age of around 23-25 yrs. Let's say he's a genius and graduates at age 20 yrs. Now to reach 60 yrs would be a 40 yrs span. Now assume that this guy immediately lands a job right off college and gets a job where he receives a total of 15 mos pay. Now calculate: P100 x 15 x 40 = P60,000. Even if this guy put aside P1,000, he would only have P600,000, and not P1M!
Gerry B this video is about investments. I dont understand how you came up here but then your computation has noting to do with investment. You computed it without any interest rate which mention in the video. And it also says "100 per month" how there you saying the word 'BS'you dont even know the Math. watch, listen and understand the point before comments. Kust a friendly reminder bro. 👍
I agree with what Gerry has said. If you invest 100 pesos per month starting at age 20 and assuming a 10% annual return on your investment (which is the average return in stocks or cooperatives) and assuming that you reinvest the dividend you’ve received from the investment each year back to the capital (compounding effect) it will only give you 489,652.24 pesos after 40years (age 60) which is half of 1 mil. Believe me guys, i’m a numbers nerd and i know how to compute how much you will earn in x number of years given the amount you invest and the assumed interest rate through a simple excell formula.
SORRI I CNT HELP BUT COMMENT BOUT THE LADY HOST,D WAY SHE TALKS AND DELIVERS SPEECH, i find it a bit maarte,,,,,for her age and for a bissness program, prang ndi bagay but if its natural 4her to talk like dat,4get wat ive said,,,again dont get offended
Sana ito ang napapanood sa Channel 2. Di lang sa cable TV o You tube.
Sana napanood ko ito noon pa man.
Watching ANC on the money year 2021... I'm 27 kung natutunan ko lang to about pera nung ako'y 10 yrs old sguro may million na ako ngayon. But better late than never. 🙂
Edric, I remember you each morning on ANC eye on the money yes? I was visiting the Philippines for a year, and watched often if not daily. I miss the Philippines, ANC your show, so sad I am trapped here in the uSA. Some day I shall return. General Mac Author
we never took aside the inflation rate per year that is 5.6% and if the bank has a 2% interest per year you are technically losing money so invest in a mutual fund,uitf,vul
The best in season 1. Maganda sagot at tanong.
Sadly, only ANC is the news channel that nobody tries to stream live for free. Been looking for years, it's just not there. Kahit nga yung really really bad na yung resolution, you just can't find one. I wish ANC will be the first Filipino news channel to stream it's content 24hrs live and free in the internet. Bet that's not going to happen any time soon. Most channels are just in for ads money and not the true media service nowadays.
Hey! ANC now is streaming online.😊
To me I'd like mine to be 29% Regular saving, 20% Mutual Fund TFSA ( i live in Canada ) ,12.9% Mutual fun Non-registered, 27% Mutual Fund RSP... and the fun part 3% Canadian Stocks.. Im only 23 years old too so got alotta of time to be working on my portfolio..... looking to invest in the PSE soon :D
You're just 23 but you are already thinking about investing for your future. If only more young people think like you do, we would have a more prosperous country. Good luck with building your port.
+Alvin Verga thanks... its tough making a living here in Canada.. It isn't easy, im currently working 3 jobs.. yea i hope young pipz start to think about this.. because forget about the money part,, its the timeee they are loooosing.. money u can always get back.. but time losss is a time wasted.. so dont waste time... and you will be young and have pretty good capital to work with.. goodluck to both of us.. chow ;)
love this show..im trying to watch this everyday! finally they begin to upload episodes of this. since im still at work when they show this in the evening i stay up for the reruns at 2:30am :-) thanks ancalerts:-)
this is good advice for everyone but he should have mentioned how much is the cost of these funds, bonds etc. it will matter tremendously in the long term. the Philippine government should also encourage saving/investment by passing legislation conducive to it. My question, why do you have to go through the banks to buy these equities and funds, why not buy it directly from the discount broker/financial company to lower the cost of investing.
That depends on where you live. In the province 14k per month is just enough to live by comfortably, in the city 14k per month is impossible for a family of four to live comfortably.
investment into a strong company at least. and BPI is one of them.
can I ask something guys does compounding interest done every month or quarterly like that...?
This video was uploaded 10 years back. Is there anybody here who made it after 10 years?
I wish I heard watch this video when it came out.
At 3% annual interest in the bank. No thanks. Id rather invest on real estate.
30K x 12months x 10 yrs = 3.6Million , Inflation per year is 2% to 5% . say 3.5% per year x 10 = 35% , 5M/3.6 = 1.38 Therefore, 3% lang kinita mo in 1 Decade. therefore is not good ohm. Talo ka pagganito Bangko lng kumita!
My Opinion at least your salary must be 2.5 ( 30K ) = 75K/ month oh? ohps mahirap yata kumita ng ganyan kalaki salary sa Pinas. So difficult sa Pinoy eto. magano lang sweldo ng Pinoy sa Pinas!
@louchiel lariosa this is not complaining it is feasible mathetical review.
That is true, I was thinking of costs in Manila.
One thing these financial Gurus do not say is...Saving money is only for people who have money to save.It is not applicable to people who live on paycheck to paycheck. Another thing is they do not say that it is useless to save money in the bank. With so low interest rates, your money will lose value overtime because of tax and inflation.
Born2drinkstuff , there is a saying that says," it does not matter how much money you earn but rather how much money you save and invest". If one earns little income, the more important it is to budget money that also focuses on savings. Even just setting aside 10% monthly from one's earnings can mean a lot in the long run. Yes, I agree, those with higher income earnings have the advantage but the question is, did that high-earner took advantage of his/her situation? If he just spends without making any concrete goals as to his personal finance for his future and did not bother to save and invest or open a sustainable business and become a sophisticated investor that makes money for him with the right vehicle while still young, healthy, and able to work, eventually, he will one day regret he did not take advantage of his high income days.
@@sheilatuano9633 anu fb mo ate?0
no quick rich scheme program ,
I opened an account worth P10,000 sa BPI. yung Top Ups ba na P1000 every month? I mean, kailangan ko dagdagan Monthly or what?
Francis Merle yes you have to add atleast pero di naman xa mandatory
Mindset is all we need to recreate.
3 years from now my equity index fund is still negative
What? Let's wait
Which and where can I invest?
check it out. www.linkedin.com/pulse/pre-ipo-any-everyone-rian-inocencio/
5million is possible if u invest 30,000 in stocks and add 30k monthly but if you,re gonna invest it in bonds its impossible. If you’re an aggressive type of investor I would invest in stocks.
hindi ko maintindihan ang sinasabi dito. pero panu na ba yan kapag nagdeposit ka ba ng 10,000 sa mga susunod na buwan hindi muna kailangan magdeposit pa ba ulit
P10,000 is for opening an account lang. Top-ups or yung dagdag mo sa investment mo depends sa minimum top-up na required ng bank, usually P1,000 lang
deposit ng anong klasing account? @ richard buizon
Kuya, mag math ka, 1,000,000÷5 years ÷ 12 months.. yun ang itabi mo monthly.. sureball na may 1M ka. Kung ilalagay mo sa investment kikita ka interest mas mabilis ka magkaka1M. :)
Yung deposit naman basta at least may 10k ka... kung gusto mo dadgdagan magdeposit ka basta may 10k dun. Meron mga ibang plan.. sa bdo.. pwede ka mag deposit 1k/month until mameet mo yung 10k.. Yung iba 5k lang, depende sa bank. Check mo bawat bank kung ano yung mga terms nila. :) Good luck. :)
Richard Buizon Oo, kailangan mag invest regularly ( monthly, quarterly, semi-annual or annual) sa mga portfolio funds like equities, bonds na magtugma sa iyong kakayahang "RISK PROFILE" na dapat mas malaki ang tubo kaysa inflation rate...pag naipondo mo lang lahat sa bank account mo, maliit lang talaga ang tubo, less than 1%... so sayang. Bakit kailangan mag invest regularly? Para maka "take advantage" ka sa up and down movement sa prices of shares ng stock market na kung minsan makapagbili ka ng mas mura ( down movement) na ibig sabihin mas marami ang shares mabibili mo. Dapat din mas mahaba ang iyong paghintay na panahon at least medium (5 years) to long term (10 years or more) na ipalago ang pera mo sa pamamagitan ng compound interest at cost averaging bago mo maisipan mag partially withdraw o totally withdraw (selling) sa shares of stocks mo.
they always talk about investment but they don't recommend any specific instruments.
Aseret Tee that depends on you as an investor po. Are you aggressive (risk-taker) or conservative (more on protection) when it comes to investing? Well, investments aren't risk free dahil nakadepende sa market yun which is volatile - goes up and goes down po. Ayun, you may inquire to diffrrent institutions na may investment and ask from them. :)
Uitf
19:17.. of course there is charge..be careful by doing investing your money guys.. some bank agent (this is what i called).. there is hidden charge that they wouldn't talk about or should i say they playing safe.. remember this is BUSINESS.. careful..
IKAW o MAY KAKILALA KA NA GUSTO MAG SIMULA MAGNEGOSYO!
Di na kailangan na may karanasan sa pagnenegosyo o kaya mataas na pinag-aralan,
FREE TRAINING SEMINAR - Ituturo sayo kung panu gawin ang negosyo
EASY OPERATION - Mag-invite ka kami mag-paliwanag para sayo
EASY EXPANSION - Taga Manila ka at may kakilala ka? sa probinsya o abroad
at nagnegosyo din katulad mo automatic expanded na negosyo mo. Tuturuan din
natin sila panu gawin ang negosyo.
20 years ago, I got plan from prestigious company for my future. but after paying for five years, the company suffered a loss. as of now, the plan still the plan.
BPI is running for more than 150 years now..so i guess it is safe to say that this company is already established..
Are u referring to Manulife?
loyola plan?
Dapat talaga tinitignan yung stability nang companies. :(
It was funny to hear the investment specialist suggest that the couple making 40K should invest 26K per month and live on the rest, for two working adults with 2 kids I would suggest that its just not possible if they have to pay their own expenses.
Grant Ewen Agree with you. Perhaps, the couple should find other ways to add to their present combined income of P40k through good business ventures if it is not possible to demand a salary increase...Or, they could apply the 70/30 rule at the moment while scouting or researching for a good business venture...that way, the couple have really started doing something to reach their future financial goal...30% savings, 70% expenses per month.
I think 5Million in ten years is not enough, i guest at least 10million is better average of 1Million per year..
What your saying is not realistic for a lot of Filipinos.
To achieve your goal of 10mil in 10yrs, you need to invest a fixed amount of 55,000 a month for the next 10yrs assuming a 10% interest rate per annum in your investment and assuming you reinvest the interest you’ve earned back to the capital. Your welcome.
It's like 500K na lang angayon haha.
Kalukuhan yan 7 yrs ako dyan sa company na yan puro charge lng inabot sa ipon ko.... Employado lng yayaman dyan at ang amo nila...
i think PhP 5M is too small for me in 10 years. i want like 100M if that's even possible.
true. atleast 10m atleast
Yes, that's only 500k per year to make 5M in ten years i guest that's not enough to sustain a better lifestyle due to inflation.. I much prefer higher amount than that i Guest at least 1M per year target to make 10 Million php for the next 10years.. That's average of 100k per month i hope i will make that in the near Future..
ART Domingo jr., compounding interest could help. Try to find a vehicle that could earn you compounding-interest above the projected inflation rate of 4% to 6% per annum. For me, since I am too lazy to do individual company performance researches, I go for pooled funds managed by very good fund managers. I prefer equities funds for my long-term investments.
Pre-IPO(Initial Public Offering) secret sauce smart investors, front loading ahead of bankers, brokers...by (ad)venturing with private company insider/founders.
I’ve heard this before.
That's funny,risk profile. It means guarantee you'll loose your money. Plus tax or penalties. If your adviser used the term risk, walk away.
I noticed that as with most shoppers in the world and the Philippines is no different, shoppers in the Philippines, want to feel good, now, today, and feel as if the future will never come, never improve, so they look around and think, this adobo lunch, which is 150 php, is good, and eat it, and once they eat, in 4 to 6 hours, what does it become? Poo...Don't not eat your money and make it become poo, because you can cook adobo at home, and maybe better...Stop trying to be like America, it is wrong...If America was so great, why are they moving to Vet Nam, Thailand, Philippines, Singapore? It is not for sex, it is a slower better way of life...SAVE INVEST AND GROW YOUR LIFE AND JOIN THE FUTURE IF NOT FOR YOU, YOUR KIDS
your observation is very true.
Thanks, and let's make money as well....
Obviously this is about marketing BPI's products. That's fare. But his opening statement is a big 'BS' (sorry can't say the word). Using his very words, "if i were to ask someone who just graduated from college to set aside P100 a month ... keep doing that until he was 60 yrs, he'd have a million". Mark that: P1 MILLION.
So say graduates at the age of around 23-25 yrs. Let's say he's a genius and graduates at age 20 yrs. Now to reach 60 yrs would be a 40 yrs span. Now assume that this guy immediately lands a job right off college and gets a job where he receives a total of 15 mos pay.
Now calculate: P100 x 15 x 40 = P60,000. Even if this guy put aside P1,000, he would only have P600,000, and not P1M!
listen to the whole statement he said,,,he said using COMPOUNDING,means you have to invest it
..thats not BS..
He he even said that there is a vehicle to use, that is why they mentioned the word investment.
Gerry B this video is about investments. I dont understand how you came up here but then your computation has noting to do with investment. You computed it without any interest rate which mention in the video. And it also says "100 per month" how there you saying the word 'BS'you dont even know the Math. watch, listen and understand the point before comments. Kust a friendly reminder bro. 👍
Gerry B .
I agree with what Gerry has said. If you invest 100 pesos per month starting at age 20 and assuming a 10% annual return on your investment (which is the average return in stocks or cooperatives) and assuming that you reinvest the dividend you’ve received from the investment each year back to the capital (compounding effect) it will only give you 489,652.24 pesos after 40years (age 60) which is half of 1 mil. Believe me guys, i’m a numbers nerd and i know how to compute how much you will earn in x number of years given the amount you invest and the assumed interest rate through a simple excell formula.
The guest, is he a millionaire? :p
83,333 x 60 months
It's impossible to do the saving of such amount of money, unless you won't expense in daily.
This is possible for OFWs..:)
HERMIBOY LEGASPI its POSSIBLE when we remove all our EXCUSES in making our financial goal. Saving money is one part of the equation.
he is a millionaire
need mo ba ng life insurance or gusto mo bang mag invest? message me
Thunder love anong company po yan mam ?
Thunder love anong company nmn po yan?
SORRI I CNT HELP BUT COMMENT BOUT THE LADY HOST,D WAY SHE TALKS AND DELIVERS SPEECH, i find it a bit maarte,,,,,for her age and for a bissness program, prang ndi bagay but if its natural 4her to talk like dat,4get wat ive said,,,again dont get offended
@johnfortich
hmm cedric....:)
you have to learn to live within your means. How much is your debt Sir? Where did you use the money?