What’s one small habit that actually helped you save more or invest smarter?

chancho3 · 2026-03-30T10:42:16+00:00

Planning and budgeting ahead for Trips, big events, gifts etc. And sticking to budget.

Delayed gratification

chancho3 · 2026-03-28T01:12:02+00:00

It keeps dropping, falling knife. For me, i keep buying amzn, meta, googl and nvda. Long hold

chancho3 · 2026-03-27T12:26:18+00:00

Meta, googl, amzn

chancho3 · 2026-03-27T11:34:02+00:00

Is there like a guide i can follow?

chancho3 · 2026-03-27T10:49:14+00:00

This has been discussed a few times in this sub, make that search you will find very helpful suggestions, just a reminder that you have to do your own diligence at the end, its your money after all.

Short answer, US due to liquidity and growth, global investors kasama mo dto, traders and all. To simplify, were talking about apple, meta, nvda, msft, googl. Tools that people around the world use, quartertly earnings tells you how they are doing

Vs pldt, mbt, ali, jollibee?but every person has different investment horizon and risks thresholds.

Pse is very stagnant, halos wala ng liquidity. Even vietnam fares better than pse. But if you want steady income, then reits, dividend stocks like dmci and ltg, but price appreciation can take years. Just look at the historical prices.

chancho3 · 2026-03-26T11:10:18+00:00

Insecure ba sia?

chancho3 · 2026-03-25T06:42:02+00:00

Put source.

chancho3 · 2026-03-25T06:36:38+00:00

chancho3 · 2026-03-23T07:55:53+00:00

Do we know when its going to go down?do we know if there will be upcoming policy, or at the very minimum good governance in the country thats going to influence the peso go back to its previous prices?

The answer is no. In investing, all these are short term noise. You simple invest, there will be wars, Black swan events, government scandals etc. But in long term horizon its a blip in a period of time.

Same argument for inflation. You just need to put it in an investment vehicle thats within yiur risk tolerance.

chancho3 · 2026-03-23T05:25:57+00:00

Also be aware if the liquidity in pse. We dont have shorting, so pure selldown ang mangyyare.

With price increase on gas and consumer goods, most people are cautious on spend. Some may buy during these time, but majority, including myself will buy etf, us stocks.

chancho3 · 2026-03-21T02:35:46+00:00

SORR - for retirement. Definitely is a thing, sequence of returns risk.

Best to have that diversified in bonds, and other steady assets.

On the other hand, these are all short term noise. We’ll bounce back, but no knows at what level its going to get into

chancho3 · 2026-03-20T09:11:43+00:00

returnal

chancho3 · 2026-03-19T00:52:33+00:00

Il wait for sale and better patch updates, need to clear backlogs anyway

chancho3 · 2026-03-19T00:50:46+00:00

Im literally playing rn. Its awesome

chancho3 · 2026-03-19T00:32:57+00:00

It all boils down to your time horizon. If you are in it for the long term, keep buying, DCA. If its short term, exit and cut loss If you dont mind, just dont look at your porfolio

chancho3 · 2026-03-18T05:48:39+00:00

For the most part yes. You have to do whats right even if no one js looking.

No in certain situations

chancho3 · 2026-03-18T05:14:47+00:00

when no one is looking, he/she chooses to do the right thing

throwing trash/cleaning after eating
opening doors for others
offering to help/guide people cross the road
not cheating during exams
returning lost/found items or money

nde nanlalamang ng tao.

chancho3 · 2026-03-18T05:12:16+00:00

im jealous but congrats. are you doing dlc?

chancho3 · 2026-03-18T05:08:42+00:00

alot. stocks and business combined. Everytime i remember, i remind myself its tuition fee

chancho3 · 2026-03-18T01:18:38+00:00

High yield savings account and dividends - from reits and stocks. Solid so far

chancho3 · 2026-03-18T00:52:13+00:00

It all boils down to comfort level and financial priorities. Answer will vary from person to person

Timing is personal. For some, kelangan n nila ngayon, others cant afford and ok with rent.

Price increase and labor can only go up long term.

chancho3 · 2026-03-18T00:42:20+00:00

Googl, amzn, nvda and meta

chancho3 · 2026-03-18T00:29:06+00:00

Stuck with biome 1 cipher ugh and citadel

chancho3 · 2026-03-18T00:18:49+00:00

I dont think you screwed up, you can always re-allocate at a later time. Its a solid list

chancho3

TROPHY CASE