Salve, I was there at the seminar… I think you got it wrong about the 10% thing from Doby. I believe he said don’t invest more than 10% of your investment fund at one time.. spread it to cost average.

for a rational investor with the right temperament, an investment of as much as 75% in stocks and 25% bonds (of investible funds )can be made .a long term rational investor welcomes low prices not because he is a pessimist but because he likes the prices it produces.
For a would be investor, it is essential to know the value of the underlying business instead of focusing on stock prices,charts,market forecast, after all nobody among the experts predicted the global crisis, in the same way they are able to predict the recovery. after all, if we have to rely on charts,price histories then the worlds richest should consist of librarians.

Too bad I missed the seminar! I had jet lag that day.

Was the stock market the only investment option discussed in the seminar? Are there any other investments that we should consider during this time of crisis?

Thanks! =)

Now that the stock market is down, do you think this is the appropriate time for me to invest in Mutual Funds? I am willing to wait for 3-4 years.

Mr. Warren Buffet wrote: ” … So if you wait for the Robins, spring will be over.”

Invest on a cost average basis via Automated Clearing House (ACH) to a well diversified national and international mutual fund, manage by company in the like of BPI. There’s a lot of Blue Chip firm listed on PSE with good dividend too.

The time is now. Start your PERA portfolio, now. Don’t wait for the MAYA, scarecrows are all over.

Caveat: Investigate and verify the integrity of the Firm, as well as the reputation of its representative before you commit your hard earned dough.

Stay the Course until you reached the Goal.

Daig ng maagap ang masipag. Sabi ng Tatay.

I hate investment professionals who seem to be inconsistent when they preach about true investing.

The MAIN BUSINESS of online stock brokerage firms is to make commissions from FREQUENT TRADERS. That is the exact opposite of real investing and Warren’ Buffet’s approach.

You don’t need online brokers when you think of long term investing.

Online brokers promote, encourage and tempt you to excessive trading.

The more you trade, the less commission you pay. So what does that mean ? Long term investing or short term buying and selling ?

Caveat.

INDEXrider

Now is the time to invest. But not necessarily on stocks and other financial instruments. Rather, invest in yourself by getting an education about the financial market. While the bears are in town, now is the best time to learn about how to handle the market when the next bull run comes.

Speaking of fire sales, stocks you can buy now are on sale alright, from those who were burned by the big drop.

OT: congratulations Salve!

Invest in the long term? In 1999 , the pse index was at 2000 points, In March 2009, pse index was at 2000 points. 10 years has passed and indexed barely changed. Looks like buy and hold investing is no longer working.

In 2002, the stock market index was at 1000 points. So people who bought stocks in 1999 were down 50%

Let face it investing for 3 to 4 years in the PSE is still risky especially if you did not invest at the bottom.

Unfortunately only a few lucky people get to pick the bottom.

You can still make money investing in the pse. But be very aware of the risk. IF things doesn’t work out in 3 to 4 years, prepare to hold yours stocks for 3 to 4 s more years.

ok naman online brokers… normally less fees compared to live brokers.

rommel, pagpasensyahan mo na si pareng rick.. mahilig talagang magbigay ng ganyan scenarios yan. ang binigay na scenario ay indi “buy n hold”.. ito ay “buy and forget”…. nakalimutan ni pareng rick ang mga strategy na cost averaging, asset allocation at rebalancing. pag-aralan mo muna ito bago ka sumabak sa stock investing. indi ko na tatalakayin yan dito sa moneysmart at magpapaikot ikot lang uli ang mga feedback. =P

acn: ..” ito ay “buy and forget”…. nakalimutan ni pareng rick ang mga strategy na cost averaging, asset allocation at rebalancing”

How many times should an investor do cost average? 1 ,2, 3 times? Do all investors have that much money to cost average?

Hindi ko nakalimutan na mag cost average. Ayaw ko lang malugi at mapilitan mag “cost average” ng madalas.

acn:pag-aralan mo muna ito bago ka sumabak sa stock investing

Di na kailangan pag aralan ang “cost averaging”. Kung may pera ka mabilis lang yon.

Pag-aralan dapat yung risk, reward and hold time na kailangan bago lumaki ang pera mo. Unahin mo muna “risk and holding period” , kasi minsan reward lang tinitignan natin

That’s why I review the PSE stock index data for the past 10 to 20 years, just to gauge risk. I still believe you can make money in PSE, but everybody should know the real “risk” before buying stocks.

brader rick…

- indi ko masasagot kung ilang beses ba dapat ikaw, si rommel o sino investor na mag cost average. iba iba yan bawat tao. depende sa kumporme. trick question mo ba yan sa akin? nyahahha

- cost ave madalas? gano kadalas ba ang minsan? heheh baka naman short term trader ka… sa bilis mo sigurong mag cost ave.. daily ba? malulugi ka talga nyan. indi naman ata ganyan si rommel. Kung long term ang horizon mo, makakatulong ang regular cost averaging. madaming example at research na pinatunayan na to. indi ko na e post dito. hanapin mo na lang.

- kailangan mo pag aralan ang cost averaging. basic yan pero nid mo parin intindihin. malay mo meron ka di na gets? =P

- madami ng naisusulat na benepisyo ang cost averaging. basa basa ka na lang sa internet. mag simula ka sa cnnmoney.com

- indi ko naman sinabing yan lang pag aralan nya bago sumabak sa gyera.. ang sabi ko isama nya ang cost ave, asset allocation at rebalancing.

- mahalaga din ang risk, reward, hold time tulad ng sabi mo. kudos! swak na swak!

Makikiraan lang po.

For those tracking the PSEi, the Stcok exchange has revamped the composition of the main index, replacing Petron and Union Bank with Aboitiz Power and GMA. You can check the deatils through my blog http://mytwentyfivecents.wordpress.com/2009/04/16/pse-revamps-index/

Congratulations to Salve! ^^

I think, when investing in stocks, it would be better to invest long-term. That way, you won’t have to worry about the daily fluctuations of the prices. And yes, it would be better to enter the market during a bear market. That way, the prices are at a bargain. Also, if the prices do drop, it won’t be that much unlike when you are investing during a bull market where the prices can drop really low.

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