Business & Economics Perspective Blogger

I decided to do a portfolio review, especially because Christmas to New Year is around the corner . I thought about checking my AXA Chinese Tycoon Fund. For the sake of confidentiality , I wouldn't give out the exact loss. I was tempted to sell my AXA Chinese Tycoon Fund (which was at a paper loss , not an actual loss) and go for cryptocurrency . However, after looking at the ghost of Quadriga-CX Crypto Scam  made I said, "I need to stick to what Warren Buffett said about the stock market." Buffett's advice doesn't require an MBA or even a PhD in business administration to understand them. Instead, I was looking at these lessons that Buffett such as: If I'm not willing to open to own a stock for 10 minutes, I shouldn't think of owning it for ten years! Definitely no day trading for me! The stock market is a device that transfers money from impatient people to patient people. I have to be more patient as the stock market inevitably corrects itself, unless t...

FQ Mom It's no secret that   U.S. President Donald J. Trump's tariffs may backfire . Should I even be surprised at the results that the global stock market are going low? It's something to think about why I didn't get invested in stocks ASAP. It's because I don't have a calm personality. However, I realized that the key in stock market investing is, "Keep calm and invest long term." Nobody should ever think of investing in stocks hoping to get rich quick fast!  The   FQ Mom   provides useful advice that I should do, as I check my equity funds at an almost daily basis: 1. Understand the stock market. It is the avenue where we can all participate in the ownership of the listed companies. This facility that allows us to buy and sell stocks with ease anytime during trading hours also goes with a “price.” We see the stock prices go up and down like crazy every second, something that does not happen in other asset classes. To borrow from Benjamin Graham in h...

Live Index Yes, the global stock market is currently down. There's no use for the Filipino people to blame President Ferdinand R. Marcos Jr. for that matter. At this point, I'm still invested in the ATRAM Global Technology Feeder Fund (read here ). Right now, I've observed the trend went downward. After the CrowdStrike outage and some problems at Microsoft--I expected that there would be a downward turn. The reasons why stocks appreciate and depreciate are company performance, investor sentiments, industry performance, and economic factors . All these drive the supply and demand up and down. With what happened to Microsoft and CrowdStrike, the setback may have caused people to sell off their Microsoft stocks. In turn, the supply of Microsoft stocks will increase again and the demand will lessen due to investor sentiments. As I Googled "Why must the stock market go down", I ran across the four reasons that the stock market is plunging this 2024 . One of the reason...

I was checking on GInvest and I'm not surprised that the ATRAM stock investments have gone down. I checked my current portfolio and things went down. I was tempted to panic-sell until I recalled Grandpa Warren Edward Buffet's advice. It's sad that business schools, based on my experience, never taught students how to invest in stocks properly, not even the business schools. It's a good thing that Buffett himself speaks in such a way that I can understand it. I may not be the Oracle of Cebu City (nor do I intend to). I decided to Google Warren Buffett again for advice. I might need to buy a book by Buffett though before I can continue this project.  The article (from Yahoo! Finance ) I found was written last October 23, 2010. Here's some advice that I should heed instead of social media gossip: But numbers are only part of the equation; Buffett also emphasizes the human element in investing. As he stated in his interview, " Some people should not own stocks at a...

It's time to begin a new road into investing. I went from a moderate risk taker to a moderately aggressive risk taker. Of course, I need to be careful with how much money I invest or I don't invest the money that I need. I believe that one could start by investing 15% to 20% of one's income. Basically, it's money that's not needed now. Fortune Recommends gives this ideal sweet spot: Many of the experts we spoke with suggested, as a general rule, to invest a set percentage of your after-tax income. Although that percentage can vary depending on your income, savings, and debts. “ Ideally, you’ll invest somewhere around 15%–25% of your post-tax income, ” says Mark Henry, founder and CEO at Alloy Wealth Management. “If you need to start smaller and work your way up to that goal, that’s fine. The important part is that you actually start.”  Some budgeting strategies account for this, such as the 50/30/20 budgeting strategy, which breaks your monthly budget into three ca...

Finding anti-capitalist (or better said, anti-business) wokes on Facebook (of all places) is just plain funny. Maybe, the term socialist isn't so negative since the late Lee Kuan Yew considered himself a socialist, the late Deng Xiaoping is the author of Socialism with Chinese Characteristics, and Vietnam still considers itself as a socialist country. The picture above this paragraph says that landlords and stock traders allegedly "contribute absolutely nothing to society". I feel compelled to write a bit of a post since, as a business graduate, I do feel insulted. Then again even if I didn't get an MBA--I do still feel insulted myself! How good landlords contribute to society   Landlords are often said to be a blight. Some say that it's the "easiest job in the world". However, managing real estate (especially rentals ) isn't as easy as some think. I wrote an essay as to why being a landowner isn't as easy as some people think . I would like to d...

I do have the nasty habit of checking my portfolio on a daily basis. It's sort of me choosing between buying more units of participation or is it the time to sell here? When I mean time to tell, it's not about panic-selling but selling it because I want some cash. Last year, I wrote about why I'm also investing in ATRAM's Global Technology Feeder Fund . I've noticed that the NAVPU has increased and it may reach up to PHP 270.00 or even up to PHP 300.00. I'm still invested in the ATRAM Global Consumer Trends Feeder Fund and the Philippine Equity Smart Index Fund. It's sort of like not putting all my eggs into one basket. Also, I'd like to say I finally paid my five-year plan with AXA Chinese Tycoon Fund. I did plan to pull out my ATRAM Global Technology Feeder Fund ASAP. It was because I was planning to buy myself a UPS because of the voltage fluctuations. I bought the UPS because I have big dreams for this site. Big dreams in the sense that I'll be a...

Business World Online I'm currently invested in stocks via equity funds. Personally, I find trying to DIY stocks to be easier said than done. Though, there's no harm in learning it yourself. Either way, Warren Buffett recommends cost averaging into an index as an alternative (read the article here ). Though, I have zero intention to do day trading because it's absolutely just gambling. Charlie Munger would wisely tell the young it's but a speculative orgy.  From the Philippine Star, I read about how stocks are moving sideways . This would be an excerpt of what's really going on: MANILA, Philippines — Stocks will continue to move sideways this week as investors weigh the impact of sticky inflation and rising interest rates on corporate earnings . The local equities market sustained its downward move on the back of a busy week capped by the Bangko Sentral ng Pilipinas’  50-basis-point rate hike. The BSP raised its policy interest rate by half a percentage point, bring...

Business World Online The Philippine Stock Market Index (PSEi) has had another decrease. The score reached 7,000+ and I was getting pretty excited. I was thinking, "Should I sell my stock index or should I continue averaging into it?" I'm still holding some funds because I'm going to invest more in the   long term  than do day trading. I agree with Charlie Munger that day trading is nothing more than a   speculative orgy . I got through Google News and found some factors that caused the recent decrease. I'd like to do this not as an analyst but as a lay investor and blogger.  Profit-taking  before  key data The  Business World  website sites that there was profit-taking before key data . I was reading through and found out that there was indeed some profit taking The score that went from 7,000+ to 6,800+ can be affected. Here's an excerpt of the report which caught my attention: “Philippine stocks were sold ahead of the January inflation print tom...

I was laughing just thinking about ignorance about the bear and bull markets. Yes, we know about social media gossipers (seldom called a marites in Filipino) tend to spread gossip. I ran into several people panicking when the Philippine Stock Exchange Index (PSEi) was mostly red. Others would panic but Warren Edward Buffett recommends, "Be fearful when others are greedy. Be greedy when others are fearful." That's the best market timing. Some people do cost averaging because it's practically less risky in contrast to lump sum investing. Buffett recommends that non-technical people should periodically invest in a low-cost index fund over a period of ten years.  Now, the Philippine Star has an article by Wilson Sy, where the first paragraph talks about the Philippines' entry towards the bull market : Most stock markets have undergone a dramatic shift to start the year, transitioning from a bear market to a bull market. Peak inflation, a slower pace of interest rate h...

The year is almost over and I guess I'll write a few more Season's Beatings huh? Right now, I'm keeping an eye on the PSEi score is around 6,500+ as of late. I could remember the time when the stock market went bloody red and this never left my mind... I could remember all the sarcastic "YEHEY?" from the toxic world of Twitter. There's also such stupidity on Facebook. I could remember arguing with some people who ended up using Ad Homimens in regard to the red stock market scores. Yet, what Warren Buffett says is, "Buy when there's blood on the streets." (read here ) As Buffett would also say, "Be fearful when others are greedy. Be greedy when others are fearful." That's if one talks about market timing . Still, I believe in timing the market and time in the market. It's like if I decide to cost-average during low-tier days and add more money when the value is low. In my case, I prefer to use an index fund (in my case the Philip...

Many times, I really wanted to avoid stocks and later decided to get some financial management help. That's why I bought the AXA Chinese Tychoon Fund which invests primarily in blue chip Filipino-Chinese companies. I remembered my MBA days when I heard about stocks. What I always saw with stocks was pretty much the motions of day trading. I decided to overcome a degree of fear and did some research.  I decided to try a simulator to try and learn how to trade stocks. The big problem with a day-trading simulator is pretty much deciding on random movements . I did download a few business games on Google Play to try it. I tried the simulator and found out that if I used real money --I could've lost a lot already. The simulated money was USD 10,000.00. Now, I tried to keep my bets and one wrong move meant I could lose all that money. Good thing it wasn't real money. What truly disturbed me though is how day trading is even encouraged. I ended up landing on the name of Charlie Mu...

  Just reading the news today from Inquirer Business about the recent panic selling. I'm not surprised given the financial and economic illiteracy in the Philippines. Here's an excerpt that gave me multiple reactions in regards to how they reacted to the bear market: Philippine stocks waded deeper into bear territory on Wednesday, with the benchmark index losing another 2 percent as fearful investors continued to dump their holdings over global recession worries and the falling peso. Stock brokers said the pace of selling had slowed from Tuesday’s bloodbath, which saw the Philippine Stock Exchange Index (PSEi) plummet nearly 4 percent, amid early estimates on the damage to agriculture caused by Typhoon “Karding” (international name: Noru). Yesterday, the benchmark measure fell 2.33 percent, or 140.39 points, to 5,879.68 while the broader All Shares index lost 2.12 percent, or 68.59 points, to 3,165.64. One retail-focused broker described panic selling from many clients over the...