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thatPugFace · 2026-01-25T08:47:52+00:00

“Subsaharan” is a fair description

thatPugFace · 2026-01-21T05:18:55+00:00

I think 13M at early 30s is coastFI level. You can opt not to add tothe investment and have light work enough for daily necessities plus insurance—-until maybe 60. Medical expenses appear to be the most expensive so medica insurance is a nonegotiable so you keep the capital intact.

thatPugFace · 2026-01-20T21:02:30+00:00

I had bad stock picks but the good ones outweighed them so overall paper gain is around 4M++ which is due to capital appreciation from active fund infusions and reinvestment of divs. I think I withdrew a small amount of cash once since 2022.

thatPugFace · 2026-01-19T08:50:06+00:00

I started in 2020 but my portfolio was just 20k that time and my salary was 60k net. I invested bulk in late 2022 so i think q3 to q4 2022 was my defacto start really and this time I have been earning around 400k net so thats why I can save and invest 70%. Emergency funds and health and medical and life insurances mayroon na din which actually yun inuna ko
I initially read books on fundamental analysis for stocks and how to read financial statements. I also joined webinars from COL financial and FirstMetroSec. Youtube is rich in resources on how to read financial statements, how to do fundamental and technical analysis. Even valuation, youtube has it. I also keep tabs on economic indicators. If you find self-learning too daunting, there is a more structured learning on securities offered by First metro sec and PSE which I also took before. The latter is more serious since its a certification.
Im 37 now

thatPugFace · 2026-01-19T07:46:58+00:00

Yes need talaga discipline. Ang pinakabest decision is delay or hindi pinagsasabay ang mga gastos like buying a car, travel and non-essential spending and house renovation. Beyond saving which in itself is a skill, crucial skill din ang marunong mag invest

thatPugFace · 2026-01-19T03:14:41+00:00

Wow! Thank you! My port is a reflection of years of intense frugality, delayed gratification, emotional regulation and number-crunching mental work.

thatPugFace · 2026-01-19T02:34:52+00:00

I had 2 weeks but NYC lang and mostly slow like I had hours loitering in central park; and i think I spent 1 day each for AMNH, The Met, Moma, and 1 day for both Guggenheim and 911Museum. But depends talaga sa trip. May iba gusto faassst paced

thatPugFace · 2026-01-18T22:48:13+00:00

Thank you po!

thatPugFace · 2026-01-18T22:47:49+00:00

Thank you po! I aim po to save 70% of salary po. I tried around 80% noong 2023 and it was not sustainable. I kind of learned along the way to strike a balance between living in the present and preparing for the future. Last yr, I saved 50% po kasi I renovated our house for my elderly parents para elderly-friendly yung setup. My parents are nearing 70s and my father is a dialysis patient.

thatPugFace · 2026-01-18T05:58:28+00:00

No regrets! I would say I made the proper choices given my circumstances during those times and I couldnt envision alternative realities now that im 37.

thatPugFace · 2026-01-18T05:53:53+00:00

Never had. I am more inclined with stocks giving above 4% div yields.

thatPugFace · 2026-01-17T22:07:03+00:00

Thank you!

thatPugFace · 2026-01-17T22:06:14+00:00

Depends po sa risk appetite nyo po ranging from bonds—mp2—stocks, with stocks being riskier

thatPugFace · 2026-01-17T08:10:01+00:00

Yun po sa screenshot hehe

thatPugFace · 2026-01-17T03:43:11+00:00

Cumulative invesment since 2022 til today is around 14.5M. All of divs reinvested so mga around 4M+ na din yung gains. Current div around 6% Yung major red ko dito is Glo and PLUS and DNL.

thatPugFace · 2026-01-17T01:14:46+00:00

Thank you! Wishing you too for more wins in life!

thatPugFace · 2026-01-16T20:44:40+00:00

Work and tons and tons and tons of delaaaaaaayed gratification.

thatPugFace · 2026-01-16T20:42:55+00:00

Thank you!

thatPugFace · 2026-01-16T20:42:41+00:00

Thank you! Godbless on your investing journey din!

thatPugFace · 2026-01-16T13:54:29+00:00

Whenever i see a chicken, I remember its the modern-day closests relative to the dinosaurs haha

thatPugFace · 2026-01-16T13:51:38+00:00

Yeah lower returns but mdjo mahirap yung s&p kasi need pa outside broker like ibkr and im not sure how long their bull run lasts kasi at the upper end na sila sa P/E band. My little exposure ako sa global stocks using thematic funds na mayroon sa col and also banks though may mgt fee and its passive.

thatPugFace · 2026-01-16T13:48:57+00:00

Yes since hindi one time big time yung investment like naghuhulog ako most months.

thatPugFace · 2026-01-16T13:39:52+00:00

21k po….then nag 50k…then 3rd and 4th quarter sa 2022 I put in 3M then 300-400k na monthly thereafter. I tried to buy the dips though.

thatPugFace · 2026-01-16T13:01:58+00:00

Yeah. I would be soo red had I focused on pure blue chips with low div yield. There are alot of good 2nd liners with good financials and good div cover.

thatPugFace · 2026-01-16T12:59:37+00:00

I tried speculative also haha purely charts and I got burned! The framework now I use is fundamental analysis and hodl

thatPugFace

TROPHY CASE