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Para sa mga OFWs na may perang puwedeng “laruin” for investment

I conducted the 4th batch of the Training of Trainers for Social Investors (TOTSI) in Abu, Dhabi on May 5, 2019. May dumalong 27 participants who were very eager and willing to increase their knowledge on personal finance management that achieve triple bottom line – profit, social mission and environmental protection.

Ibinahagi ko sa kanila kung saan ako naglalagay ng aking social investments which are mostly in microfinance institutions and social enterprises. May isa sa mga participants ang nagtanong kung mayroon daw ba akong “hot tip” na mabibigay dahil may extra money siya na puwede niyang “laruin.”

Inaalagan ang pera

 I immediately flagged the question and explained why I do not agree na dapat “nilalaro” ang pera. Ang paghawak sa pera, dapat sineseryoso at pinapangalagaan dahil ito ay tool natin para makamit ang mga nais natin sa buhay.

Bawat sentimo ng perang pinaghirapan natin ay mahalaga. Kaya hindi dapat ito pinaglalaruan.

Words become worlds. We have to be careful with the words we use dahil ito ang ating nagiging konteksto at katotohanan. Kung paulit-ulit nating gagamitin ang salitang laro sa pera, baka mauwi ito saw ala dahil nababawasan ang kahalagahan nito.

Investment goals

My opinion doesn’t really matter when you choose your investment. It has very little bearing. You do not need a “hot tip” from me. What matters is how committed you are to your investment purpose and at the same time matching the this with the appropriate financial product.

Halimbawa, ang perang balak mong gamitin para sa pag-aaral ng iyong anak na 15 years old, pagtungtong niya sa kolehiyo kaya mo bang isugal? Kaya mo ba itong mabawasan?

Sa ganitong sitwasyon, you have limited option. Mas mabuting sa fixed securities mo ito ilagay na short term at liquid. It would be inappropriate to advice na sa stock market ito ilagay dahil sa volatility nito o kaya ay sa real estate dahil sa long term nature nito.

Information-sharing

 Given this, ang sabi ng isang participant ay kailangan nila ng mapagkakatiwalaang tao na makapagbibigay sa kanila ng impormasyon tungkol sa investments para hindi mapunta ang hard-earned money nila sa mga scammers.

May point din naman siya.

Kaya sabi ko, mas maglalabas pa ako ng mga articles and videos on where I place my investments. I will share this information to the public. Here are a few that I already released:

More to come. =)

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