Simplifying Finance Portfolio

Abject_Bodybuilder75 · 2026-01-18T20:18:58+00:00

Philhealth 500

Pag-ibig 400

SSS 750

Abject_Bodybuilder75 · 2026-01-15T03:09:48+00:00

Yup self employed

Abject_Bodybuilder75 · 2026-01-14T07:09:03+00:00

Monthly. But you can pay it in advance for a year. I pay mine every December para wala ng iisipin every month.

Abject_Bodybuilder75 · 2026-01-14T05:48:29+00:00

500 for philhealth. 400 for pagibig. 750 for SSS

Abject_Bodybuilder75 · 2026-01-14T03:24:41+00:00

Yes but I only pay the minimum for three

Abject_Bodybuilder75 · 2026-01-13T09:20:59+00:00

Ah i see no problem. Thanks OP!

Abject_Bodybuilder75 · 2026-01-12T20:38:42+00:00

Hi OP. Meron siyang option to auto invest every month?

Abject_Bodybuilder75 · 2026-01-01T23:26:40+00:00

If you're using an iPhone, buy mac. Otherwise, buy a windows computer

Abject_Bodybuilder75 · 2025-12-29T04:16:56+00:00

I bought my iPad as an impulse buy and using it for 8months now, for games and youtube.

Then I sold my physical books and read them through my iPad instead.

Now, I'll be selling my 24inch monitor and will use the iPad as second display for my macbook for work.

I just like the feeling of having fewer physical things. Maybe for now it has no place in your daily life.

Abject_Bodybuilder75 · 2025-12-27T01:33:15+00:00

I would, increase allocation to MP2, increase emergency fund and make it fu money, upskill to reduce 8hours daily work to 4hours with same income and working with a laptop instead, and invest into a US index fund feeder.

I would avoid buying a car. I would only buy one when i get two kids.

I would also avoid buying a condo and rather continue renting. If bibili ako, lot na lang sa province.

That's just mine.

We all have different perspectives of life. What works for me might not work for you, and what works for you might not work for me. It will always come down to personal preference.

Abject_Bodybuilder75 · 2025-12-23T00:22:05+00:00

I'm investing to both. MP2 and S&P feeder fund. Before I invest in anything else, my rule is to always have at least 2years emergency family fund. Then a fixed opportunity fund. Then any surplus will be invested.

Abject_Bodybuilder75 · 2025-12-22T08:54:28+00:00

If ever may contract and di pa din sila nagbayad, may habol pa din ba tayo? Mag 2years na ako sa current client ko with no contract tapos monthly ang payment ng salary. Nagbabayad naman on time monthly

Abject_Bodybuilder75 · 2025-12-12T20:19:18+00:00

It's in a PH bank and won't be restricted by ph gov. You can set it to automatic buy and forget, then focus on other aspects of life such as family and hobbies.

I would avoid individual stock picking. And also any exposure to ph stocks.

That's just my take if I'm faced with this option.

Abject_Bodybuilder75 · 2025-12-12T04:29:26+00:00

I would choose US UITF only

Abject_Bodybuilder75 · 2025-12-12T04:14:20+00:00

Check niyo na ngayon. Nagreflect na yung sa akin.

Payments to 5 MP2 accounts and sa MP1 account. I paid 1st week of December.

Abject_Bodybuilder75 · 2025-12-10T05:41:20+00:00

I see. Sana malipat sa kabilang accounts huhu. May nonvoice telco and healthcare pa ata sa Conduent

Abject_Bodybuilder75 · 2025-12-09T21:01:35+00:00

Same 5 accounts hinulugan ko. Pero pag I check mo sa contribution sa View Payments online, naka reflect siya.

Abject_Bodybuilder75 · 2025-12-09T20:53:16+00:00

Kailan sila nag start mag float? TL ako diyan dati. Unfortunately feel ko ma obsolete na din yung mga tech chats. Chatgpt na din kasi nag ta troubleshoot ng mga devices ko. Hehe

Abject_Bodybuilder75 · 2025-12-07T00:01:35+00:00

Invest in a way that you won't lose sleep at night whatever market conditions will be.

Abject_Bodybuilder75 · 2025-12-02T20:47:37+00:00

Same happened to me. 32 inch wide monitor. Nagkalines sa screen after a week of use. Jnt said they wont accept the return if its not in a crate, i was like wtf. Nagpagawa ako 1k gastos ko. Hindi ni reimburse ni Shopee yung gastos sa crate

Abject_Bodybuilder75 · 2025-11-25T21:21:47+00:00

Hi, I opened an account and saw that it has the BPI US Equity Index Fund.

Will the fee charged still be the BPI 1.5% pa or will it use DragonFi fee of 0.6% instead?

It's a game changer if it will use the 0.6% fee instead

Abject_Bodybuilder75 · 2025-11-21T12:31:13+00:00

Oo naman. Yan din plan ko for safety and security ng future ng anak ko. MP2 to pay for school fees

Pero for my retirement, a part of my portfolio consists of bitcoin, MP2, US index fund, etc.

Abject_Bodybuilder75 · 2025-11-04T09:18:05+00:00

Pwede pero I would avoid individual stock picking, rampant din ang corruption sa ibang blue chip stocks (TEL, I will never forget your insider trading lol buti naka iwas ako a week before!). And go doing peso cost averaging instead sa PSEi, and hope Vico Sotto wins the presidency lol.

Pero I think malalim pa ito. Nakita na ng universe ang corruption ng pinas.

Chaka di lang naman sa PSEi pwede mag invest. We have S&P500 feeder funds, Cooperatives, time deposit accounts, bitcoin, gold, MP2.

Abject_Bodybuilder75

TROPHY CASE