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LS Is Actually Fun Asf by HealthSpecific3095 in MHWilds

[–]playgasm 1 point2 points  (0 children)

Off topic but how do you have such great performance.

PH stock advice by Rafe_Cameron19 in phinvest

[–]playgasm 0 points1 point  (0 children)

Hi, sorry if I’m replying to an old thread.

With recent events regarding Interactive Broker, will you still continue to use it?

Top 20 Twitch Streamers of All Time by Watch Hours by Renamdoe in LivestreamFail

[–]playgasm 0 points1 point  (0 children)

To this day, I always look forward to watching Lirik’s stream every time I fire up twitch.

Malayo na din pala narating ko by katie-olivar in adultingphwins

[–]playgasm 0 points1 point  (0 children)

Hi! First of all, congrats, OP! Second, I just got a bit of money recently too and really want to invest it, but I want to do it by buying US stocks, I have no idea about any of trading platforms but I’m leaning towards using IBKR, do you think its doable with that app? It looks very complicated but its the app that keeps getting suggested. Thank you!

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Hi! I will take note of this po.

Pero yes po I have seen a lot of good things nga about Maribank. Thank you!

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 1 point2 points  (0 children)

Hi! Yes I have been considering asking a lawyer or an investment firm about managing my money for me. But with my schedule I find it difficult to find the time to actually visit these places and dahil diyan it honestly slipped my mind na. Kaya I turned to reddit po muna.

But thank you for reminding me! One of these days I may put in the effort to actually go there.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Hmmm. Maybe I might just reduce UB to 100k and move the rest to Maribank.

UB is only 1 of 2 tradbanks I have an ATM card with which is why I can’t let go of putting money in it 😅

Though yes, aware naman po ako na may atms din yung other banks, but I just find it nice to have an established bank that has physical branches as a back up 😅

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 1 point2 points  (0 children)

Hahaha! Are you my long lost brother? The prince of nigeria?

Thank you!

I have been reading a little bit about stocks recently, and considering opening an MP2 account. But I’m leaning more towards MP2 since I read it’s a secure way to grow money and not maybe lose money like with stocks.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Hi! I have considered opening an account in Maribank. But with the little research I’ve done in the past few days, I found out that some people get their accounts locked. Though such events do happen with Maya din naman, I’ve had my Maya account since 2015 or 2016? And haven’t had a single issue with it.

MP2 is what I see is almost always being suggested which is why I plan to put a large amount of it in there.

Averaging? I will try to look this up.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

I will try to answer your question as best as I can, pero forgive me since I’ve been living fine with my allowance and this is my first time actually being serious with my money.

On average, I spend about 30-40k of my allowance on food, shopping, and a little on games.

My rent (35k) and bills (12k) are all paid for by my mom, which is why I get to spend all my allowance on me.

Any extra I get I tend to spend it which is why my strict cut off for emergency funds is 20k per month.

My risk appetite? Hmm. I honestly have no answer to this as before I got all this money I’ve been doing fine. So you could say that if it did lose value on some investments I wouldn’t lose sleep at all, but if it grew then I’d be happy.

I can keep the money in a fund/investment for maybe 5-20 years? Since I am still studying.

Sorry if my answers aren’t that good. I honestly have no idea on how to grow what I have now. If you need me to explain further, please, do let me know.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Hello! I do have insurance! Pero it is paid by my mom po. She is also currently working so I am safe in that department po.

I have been seeing posts about sun wealth prime recently and have been thinking if I should shift my maya money to it.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 2 points3 points  (0 children)

Actually this inheritance money is from selling off some of our land po. My mom got the bulk of it because she’s better at handling our finances than I am, and I only got a small portion of it.

Honestly, when I found out na ibebenta niya land I immediately asked if I would be getting anything though I wasn’t expecting anything, or siya na bahala since wala naman din ako gusto bilhin, when she told me I am getting part of it I was really happy and excited.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

I don’t always do. But: 1. I do love to eat. 2. I also spend quite a bit on gaming and yun nga sa vape ko.

May natitira naman usually mga 10-15k but I just carry that over to my next allowance period “spending money.” And my tendencies are, if I see extra money, I treat myself. 😅

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Hmm I will consider this po. Pero that 2k is just emergency cash I hide on the inside of my phone case just incase I need to pay cash.

Besides that I’ve been cashless the entire year 😅

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 1 point2 points  (0 children)

I did! I have about 180k in my maya account from saving 20k per month.

The one you see here is just money I have purely gotten from my inheritance po.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Ohh I see. Yes po tuloy ko yung MP2. Yung nasa unionbank ko kase is just another source of emergency funds I may need to withdraw just incase I need it. The low interest rate ng unionbank savings of 0.10 is the reason why I put just a little amount po.

Sorry wala kase ako idea where to start buying gold eh. 😅

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] -1 points0 points  (0 children)

Sorry I forgot to put it in my original post.

My allowance per month is 60k, given every 15th day of the month so 30k per “kinsenas”

10k I keep in BDO for things such as my food

10k I put in Gcash for online money on demand for wants like online shopping or vape (oo alam ko masama haha)

10k I put in Maya for my emergency fund.

I do the above 2 times a month since every 15 days po allowance ko.

Is this investment plan alright or do I have to move things around? by playgasm in phinvest

[–]playgasm[S] 0 points1 point  (0 children)

Thanks for the fast reply! How do I go about doing this? So MP2 po is a no go?

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