Gumawa ako ng stock market quiz kung saan malalaman kung handa ka na bang pumasok sa stock market. Makikita mo agad kung ikaw ay dapat bang nag-iinvest na sa stock market o hindi pa kung kukunin ang quiz na ito.
If you haven’t taken the quiz yet, Take the “Handa ka na bang mag-invest sa stock market quiz here.”
Hindi nakapagtataka para sa akin na 95% ng mga kumuha ng aking quiz ay hindi pa handa sa stock investing. Ang average score ay three out of seven measures or pre-requisites that I require before investing in the stock market.
Kung pasado ka, well and good, I encourage you to continue stock investing responsibly. Pero kung hindi ka pasado, and you find yourself already investing in the stock market, here’s what you should do.
Relax and don’t panic
It’s not the end of the world. Take a deep breath and remind yourself that you invested because you wanted a secure future.
Sell and exit when stock position is at par or gain
Kapag ang stock position mo ay positive naman o kaya ay tabla at the very least, I advice that you exit the stock market temporarily. Bumalik lamang dito kapag natupad mo na ang mga susunod na steps na iminumungkahi ko.
Pero kung lugi ang iyong stock position, hold on to your stocks until makabawi man lang bumalik sa original amount ng investment mo. Be patient and wait for the right timing.
Make a financial plan
The first requirement is for you to make a financial plan. Only four out of 10 reported that they have a financial plan.
Ito dapat ang nilalaman ng financial plan:
- May mga malinaw na financial goals, naipapaliwanag kung bakit ito mahalaga at prayoridad ng bawat isa – Hindi sapat na ang dahilan sa papasok sa stock market ay para lang kumita o dumami ang pera
- Alam mo kung magkano ang budget sa bawat financial goal mo at alam mo din kung kailan ito gustong mangyari
- May source of income na panggagalingan ng budget para matupad ang financial goal
- May action plan ka para magkatotoo ang planong source ng income
Here are more resources for you para makagawa ka nang matinong financial plan
Establish an emergency fund or emergency savings
Para sa akin, ang first investment goal mo ay ang pagkakaroon ng emergency fund. Ito ang practice round upang masanay ka sa pagse-save dahil kinakailangang ma-master mo ang pagpapaliban ng lugod sa paggasta para may pera kang pang-invest.
Ang emergency savings mo ay dapat katumbas ng nine months of your expenses. So kung matipid ka sa iyong gastusin, mababa lang ang kailangan mong emergency savings.
Here are resources on savings:
- Ano ang savings?
- The right savings mindset (video with Atom Araullo)
- 5-15-20-60 Budgeting rule (video with Venus Raj)
- Saan dapat nakalagay ang emergency fund?
- Understanding time deposit
Three out of 10 respondents said that they have inadequate emergency savings. Kailangan pa talaga nating iimprove ng mga Pinoy ang kanilang savings habit.
Avail government-mandated benefits first
Nasa seven out of 10 ng mga respondents ang nag-paparticipate sila sa government-mandated benefits. For me, this is a good sign.
Bago pa man kumuha ng mga komplikadong investment products tulad ng pagpasok sa stock market, kailangang naka-contribute tayo to the max sa lahat ng government-mandated benefits tulad ng sa Pag-IBIG, PhilHealth, SSS o GSIS, o kaya naman ay OWWA. Ito ay dahil maganda ang benepisyo nating nakukuha sa mga ito at isang paraan din ito ng pag-fullfill ng ating responsibility as good Filipino citizens.
Ito ay mga programa ng gobyerno na nakakatulong sa atin at sa buong sambayanan. Bagama’t hindi ito sapat, malaki ang benebisyong makukuha natin sa mga ito kumpara sa ibinibigay nating contribusyon.
Here are resources for government-mandated benefits:
- Resources about Pag-IBIG
- Resources about SSS
- Resources about PhilHealth
- Ano ang OWWA (video with Nicole Cordovez)
- Paano napakinabangan ng isang teacher ang loan sa GSIS
Get adequate insurance coverage
The same with emergency savings, only three of 10 respondents reported that they have adequate insurance.
Ang dalawang pinakamahalagang insurance na dapat meron ka ay medical insurance at life insurance. Narito ang quick guideline kung sapat ang insurance mo: (1) Medical insurance – at least one year of your salary dapat ang coverage; at (2) Life insurance – 10 years of income kung may dependents; 1 year of income kung walang dependent.
Dapat ding kumuha ng property insurance kung may ari-ariang dapat ay protected from calamities or other acts of god. Umiwas din sa pagkuha ng investment-linked insurance o ang tinatawag na VUL o variable universal life insurance.
Here are resources on insurance:
- Iba’t-ibang klase ng insurance
- Magkano dapat ang life insurance
- Resources on insurance
- Paano pumili ng insurance agent
- Bakit mahal ang VUL o investment-linked insurance?
- Readings on VUL
Get rid of bad debts
Ang utang ay dapat ginagamit sa produktibong bagay. Iniiwasan dapat natin itong gamiting pang-konsumo. If you find yourself in a difficult situation paying your debt, umiwas muna sa stock market at unahin muna itong i-settle.
Isang senyales nito ay kapag hindi mo nababayaran nang buo ang iyong credit card balance. This means you are using bad debt and this is very expensive.
Here are resources you can use about utang:
- Good utang versus bad utang (video with Venus Raj)
- Patakaran sa tamang paggamit ng utang
- Mga maling gamit ng utang
- Videos na dapat mong panoorin about utang
- Paano makakaalis sa maling pagkakautang
Seven out of 10 respondents ang nagsabing meron pa silang bad debt.
Practice with pooled funds first
Ang isang magandang paraan ng pag-practice sa stock investing ay sa pamamagitan ng mga pooled funds. Ang mga pooled funds ay isang basket ng investment kung saan mina-manage ng fund manager ang investment mula sa maraming investments. May apat na karaniwang klase ang funds na pinaglalagyan nito: (1) Money market fund; (2) Bond fund; (3) Balanced fund; and (4) Equity fund.
Ito ang iba’t-ibang klase ng pooled funds and resources for each:
- Mutual funds
- Unit investment trust funds
- Exchange traded funds
Four out of ten respondents reported that they have pooled funds.
(L)Earn about the stock market
At the minimum dapat naka-attend ka na ng training tungkol sa stock market at nakapagbasa ka na rin ng mga libro tungkol dito.
Naiinitindihan mo ba ang mga sumusunod: averaging down, bear market, beta, blue chip stocks, bull market, broker, day trading, dividend, exchange, execution, hedge, index, initial public offering, margin, moving average, order, portfolio, quote, rally, sector, spread, stock symbol, volatility, volume at yield?
Kung hindi, marami ka pang dapat matutunan sa stock market at ang mga binanggit ko ay mga simpleng termino pa lamang. Kinakailangang maintindihan ang mga technical terms na ginagamit sa stock market bago pumasok dito.
Resources about stock investing:
Only two out of ten of the respondents reported that they have made efforts to increase their knowledge about stock investing.
Stock investing is good
In the end, stock investing is good. Kailangan lang nating paghandaan ito para ma-minimize natin ang risk at ma-maximuze natin ang gains sa pag-iinvest dito.
If you want to attend courses on personal finance na madaling intindihin, matutunan at ma-apply, enroll in my Wealth Building Trainings online.
Ask ko lang Sir Vince if merong insurance for rice lands (hindi lang rice crop insurance)? In case of calamities such as earthquake, flooding, etc. So far ang nakikita ko lang po is for residential.
sir any suggestion san maganda ngayon equity or index?
depende po yan sa goals ninyo.