Archivos de la categoría ‘Principles of Investing’
Publicado por sam - 30/04/08 a las 04:04:25 pm
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I read in the internet that the Philippine Peso will appreciate against the US dollar to P39 at the end of the first quarter this year and will appreciate further to P35 by end of 2008. Is this a possible scenario? I’m currently in a dilemma whether to convert into pesos my USD time deposit. — Vic
The hedging facility launched by the government financial institutions is not good enough if the OFW is earning only a meager amount of $500 per month. If an OFW is earning $1,000,000 or more then he stands to benefit from the program. But how many OFW’s earn more than $10,000.00/ month? — Romeo
An estimated 8.2 million Filipinos are based abroad, many of whom regularly remit part of their earnings to the Philippines. For this reason alone, the rate of exchange between the peso and various foreign currencies will be a major socio-economic policy concern for a very long time. Seguir leyendo How currency hedging works…
Publicado por sam - 30/04/08 a las 04:04:36 pm
I am greatly interested in investing but nowadays there are so many options available that it gets confusing sometimes. Where should a young professional invest? I am 23 years old and making enough to invest in a strategic fund and get a couple of insurance policies. I recently got out of credit card debt too by refinancing it with a cheaper two-year loan. I am thinking of buying a condo unit so I can diversify my investments. Any thoughts? — Nancy (not her real name)
This question is an extension of the one asked by Erick last week . While Erick is at the earliest stage of saving awareness, Nancy has already taken concrete steps towards specific investments and managing her debt. What investment opportunities would give Nancy more returns?
We need to know as much of the full market of investment opportunities out there. Investing cannot be done in a vacuum and comparisons are inevitable. At the end of the day, though, not all instruments are for all investors all the time. We should only focus on instruments that fit both our specific investment goals and the realities of our resources.
When I am asked which instruments make good investments at this time, my reply has always been the same bland line: It depends on what you have, what you need and what investment horizon is involved, instead of playing the “favorite-for-the-season” game.
Seguir leyendo What kind of investor are you?…
Publicado por sam - 30/04/08 a las 04:04:42 pm
I am Erick, 23 years old, and work in a call center. I earn P20,000 a month and barely spend this amount since I am single and live with my parents. But my problem is that I find my wallet empty at the end of the month inspite of having more than what I need. I am just wondering what is the best way to start an investment?
In the last six paragraphs of this piece, I share with Erick some financial instruments he may want to consider. However, the context of that short version starts from another question. Seguir leyendo What is the best way to start an investment?…
Publicado por sam - 17/08/07 a las 08:08:03 pm
During your lifetime, you are almost certain to encounter some large expenditures-for a new or vacation home, a college education for your children, a business of your own-that you won’t be able to meet from your current income. And during your retirement years, you will need additional money to suppliment your pension or Social Security in order to maintain your standard of living and enable you to do the things you’ve postponed during your working years. You can achieve these plans only if you dicipline yourself to set aside a fixed portion of your current income for investment in ways that ensure its steady growth, or, at the very least, protect it againts loss. Seguir leyendo Principles of Investing…
