r/phinvest

So I am curious if meron ba talaga na someone making a living trading stocks like not holding it for too long. I am kinda in between if I should start a business or maybe buy and sell or should I do stock trading. I am not a fan of forex and other markets since I've tried them already and stocks for me is the most compatible market to me.

I kinda find it hard to start a business sa budget na 500k below besides buy and sell ng cars but it seems like the market for cars is a littke shaky right now due to oil price and the rise of evs and hybrid cars. I've been wanting to do farming but the farm I want to start can cost a little too much for it to be worth it because volume also matters, yes kaya naman low volume muna and I can see a good profit parin naman from the farm I am planning but I may need to purchase a vehicle for me to go back and forth sa farm since malayo pa yung mga farms from where I live and since like I said oil prices are expensive right now.

I am quite good at analyzing and researching and also spotting undervalued stuff so should I just trade stocks which is somewhat similar if I will just buy and sell items?

Also I feel like I'm overthinking some of the business ideas I have and some can be good in the long run.

The math seems clear — your break-even % is the same whether you sell now or hold. Example: you buy a stock at $100, it drops to $50. You need a 100% gain to break even. But if you sell and redeploy that $50 into something else, that something else also only needs to double. The position doesn't know what you paid for it. The loss already exists the moment the price dropped. Selling is just an accounting event.

So why do people refuse to cut losses? Is it purely loss aversion, or is there a rational case I'm missing?

Im in my 30’s and Im planning to switch industries from construction to a more relaxed business. My options are farm resort with an organic restaurant and supply organic meats (pork and goat) for my monthly expenses and profitable harvests naman for expansion or extra profit (mangoes and/or coconut).

2nd option is build Airbnb or hostel on tourist spots like siargao, la union, zambales etc..

My disposable capital is around 20-30M and I have a 2 year buffer fund for my monthly expenses while I do the transition.

What are your thoughts?

Edit: I also want to explore investing on stocks but I have zero knowledge on this. My monthly expenses ranges 300-400k per month. I don’t know if my money would be enough to cover my expenses and defeat inflation. Please enlighten me.

Helooo, I’d like to ask for advice regarding my current portfolio allocation.

Current holdings:

BTC – ₱10,600 (waiting for entry)

ETFs – ₱17,000 (ATRAM tech and VOO)

MP2 – ₱33,700

Emergency Fund – ₱21,000

REITs – ₱17,330 (C.A.R.M reit)

₱200 bills savings – ₱4,200

Total: ₱103,830

I’m thinking if it makes sense to move my REIT holdings into an S&P 500 ETF instead.

Reason is medyo maliit pa capital ko sa REITs, and di ko ramdam masyado ang dividends and honestly nababagalan ako. Parang mas noticeable pa yata long-term growth potential if I just add it to S&P500 instead of waiting for small dividend payouts. I already have a good portion of my portfolio in conservative investments like MP2 and my emergency fund, which together make up about 53% of my total portfolio.

For context:

•Long-term

•Okay with volatility

•Still building capital gradually through DCA

•Goal is growth more than passive income right now since bata pa ako (20y.o)

Would it be wiser to keep the REITs for diversification and dividends, or transfer them to S&P500 and unting portion sa QQQM while my capital is still relatively small?

Would appreciate honest opinions, especially from those who went through the same decision. Thanks!

Hi everyone,

I’m 59 and approaching retirement, and I’ve been doing my own research on how to build a low-risk, income-generating portfolio of around ₱7M. My main priorities are steady cash flow, capital preservation, and liquidity.

Based on what I’ve read so far, I’m leaning toward a mix of:

Pag-IBIG MP2, Digital banks (high-yield savings / time deposits), Government bonds (RTBs, etc.), REITs for some yield.

I also have a separate emergency fund, so this portfolio is mainly for passive income and long-term stability.

Before I move forward, I wanted to get a sense check from those with more experience:

Does this allocation approach make sense for someone my age and risk profile?

Am I missing better low-risk options in the PH setting?

Any thoughts on how to structure or stagger investments (especially timing entries)?

How would you balance income vs. inflation protection vs. liquidity?

Any pitfalls or risks I might be underestimating?

My goal is to generate a reliable monthly income while protecting capital, not to chase high returns.

Would really appreciate insights, critiques, or alternative approaches. Thanks in advance.

I have around 500k that I’ve saved up for my wedding and I want to invest it while we wait for my wedding date (March next year).

I need it to be low-risk and as liquid as possible to pay our suppliers on time.

My no. 1 option at the moment is HYSAs offered by digital banks but I wanted to ask first if any of you have a better idea.

Today looks like one of the most sensitive market days in recent weeks, with geopolitical escalation, fragile diplomacy, and rising uncertainty all hitting at once. Oil could stay elevated, gold and energy may remain supported, while equities and crypto may see more volatility until clearer signals emerge. The main takeaway is to stay calm, avoid emotional decisions, and be prepared for sharp moves across the board, because the next 24 to 48 hours could have an outsized impact on overall market direction.

Hello! Just would like to ask if meron kayong similar case or experience regarding following.

Planned loan amount was 5M but got approved for 3M and rough finish lang ang inallow ni PAG-IBIG.

The materials quote ay nakabase bago tumaas prices dahil sa crisis sa langis

Now, yung contractor/engineer namin gusto na baguhin certain parts ng design sa structual para mapagkasya yung budget to allow kahit semi furnish if papasok sa budget.

Question:

- ano yung ina-allow ni PAG-IBIG na changes para hindi ma technical?

- okay lang ba magbawas ng lengths ng slab sa terrace or total building length?

Thank you in advance sa mga inputs

Hi, i plan to move my Maya time deposit of 800,000 in my mp2 savings.

Nakita ko kasi sa website ng pagibig these rules:

1. The minimum savings is P500.00 which shall be recorded as of payment date. However, should I make a one-time savings that exceeds P500,000.00, I shall be required to make such payment via personal or manager’s check.

2. In case the payment for my MP2 savings exceeds P100,000.00, I shall be required to submit any applicable proof of income/source of fund

---

Question

Can i just deposit 400,000 this month and 400,000 next month then just comply with submission of proof of income/source of fund via online?

For 500,000 deposit kasi it says one time ee, so can I just lower my deposit to 400,000 each kasi Maya alam ko wala naman manager's check kasi online platform lang

Hello everyone, it's our first real property investment. May napansin lang akong discrepancy:

• Title (issued in 2017) and tax dec (paid this year, 2026): Maiden name, civil status is single
• Bank account name (for deposit of down payment): Married name

I asked the broker if married si seller, yes daw. I asked kung anong year sila kinasal to determine rin ang property relations ng marriage nila, wala pang sagot.

Paano kaya implications nito? Hindi kaya magpose ng problema upon transfer sa amin ng title thru Pag-IBIG loan? Any remedy/ies if ever?

Hi im 25yrs Female, single, earning 40k a month all mine, hindi bread winner, walang pinapaaral, with minimal ambag lang sa bills living with my pensioned parents. Masinop akong tao lalo na sa pera ko.

Inalok ako ng supervisor ko sa work ng isang life insurance. Wala naman ako talaga bala kumuha pero hindi nako naka tanggi sa invitation nya kasi supervisor ko yun eh 😅 pinakinggan ko naman yung offer nila na mga product, mejo kinoconcider ko din pero NOT NOW. Ang need ko lang ay help paano ko sasabihin na hindi PA ako kukuha ng insurance kasi hindi ko pa sya priority sa ngayon. Para kasi masyado na nya ineexpect na kukuha ako at mejo makulit na sya sa message nya sakin. Hindi ko alam paano ko sya i turn down respectfully huhu help. Thanks. Open for advice din po ako dahil kinoconcider ko din naman. Tysm 🙇‍♀️

I don’t know if this is the right subreddit to ask this but I really need help 😭

I’m trying to open a BDO Kabayan Savings account since pinapadalhan ako ng allowance ng tita ko abroad (not blood related, family friend lang). May boyfriend din ako overseas who’s encouraging me to open one para mas madali yung pag send ng money.

Nag research naman ako and it says okay lang kahit hindi kamag anak as long as may proof of remittance. I even asked a teller before and sinabi niya okay lang daw yun basta may remittance proof.

Pero nung turn ko na mag open, ibang teller naman nagsabi na hindi raw pwede kasi kailangan daw same apelyido ako nung sender. Hindi ko talaga gets bakit biglang nag iba yung requirement 😭

So ayun, hindi ako naka open.

Has anyone experienced this? Required ba talaga same surname or depende lang sa branch (qc branch) or teller? What did you do para ma approve?

Any advice would really help huhu 🙏

Hi! Looking for honest responses to help shape a savings app I'm building for families (and anyone who wants a simple goal-based savings system).

Survey link: (refer to the link section)

Takes about 3 minutes. 10 questions, multiple choice + 1 optional open-ended.

What it's about:

I'm trying to understand how people actually manage their savings — not just track expenses, but work toward specific financial goals. Things like: do you have a savings goal right now? What makes you quit a budgeting app? Would a visual motivator (like a growing plant) help you stay on track?

Who should answer:

• Anyone who has tried (or wants to try) managing a budget or savings goal
• All income levels welcome

About the project:

Solo developer building a goal-first savings app. Not trying to sell anything — genuinely trying to understand if the problem I'm solving is real for other people, not just me.

I'm starting to take my financial journey, and I just applied for SSS and PMP2. My mom just recently handed over my COL account since I'm working na, but she does admit that it's been hard for her to monitor the stock market and yung pera na nandun are just from gifts when I was young (not really sure din how it's been sustaining till now).

Do I drop my COL account and focus on the other two? If not, what do you suggest as a guide for me as a beginner understanding the stock market in the Philippines - as someone coming from abroad.

for SSS naman, I'm planning to contribute the maximum amount annually, and i'm still deciding how much for PMP2 - Is it alright if I don't give the same maximum amount katulad sa SSS? In my head, mas important/priority sya to contribute for..(?) I just want to contribute how much I can..

With the news na former CEO ng GCash and GoTyme ang CEO of Revolut Ph and gagawing tech hub dito, may chance ba talaga sila to improve the market right now? We know well established na kasi ang GCash and other digital platforms dito, ano pa kaya ang competitiveness na madadala nila investment products? 🤔

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