Investing Just Your Money Versus Starting Your Own Business? Which Is A Bettter Option?
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I-negosyo ba? O i-invest na lang ang pera?
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So, bago natin pag-usapan yan, ang unang tanong ko po sa inyo,
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e, grabe, naka-subscribe ka na ba sa channel na ito kung hindi ka pa naka-subscribe?
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Alam nyo, sa pagganitong paggawa ng ganitong mga decision,
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I do believe this is one of the biggest decision,
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one of the biggest decision that you are going to make.
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Because it's either you can make it or you can break it.
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Meron tayong tinatawag na risk and reward sa inyo.
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Kaya kailangan, tulungan ko na kayo para di kayo mahirapan.
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So, para di kayo mahirapan po,
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e, ito pong unang kailangan po natin malaman.
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Alamin muna natin ang tinatawag na pros and cons
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Pag-usapan muna natin,
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pag ikaw ay nag-invest ng pera.
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Pag ikaw ay nag-invest po ng pera, ano po ang pros po nito?
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Ang pros po nito, siyempre,
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wala kang gagawin.
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Tapos, ang pera na ang magkatrabaho po para sa inyo.
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Steady ang income. Steady po.
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Tapos, lalo na kung naka-invest kayo sa mga properties.
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Di ba, may paupahan kayo. Imagine na nalang.
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Mapro-project mo na.
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Kanyari, mayroon kang 15,000 na paupahan.
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Tapos, tatlo ang pintuan, 45,000 a month.
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Steady ang return. Passive ang income.
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At the same time, yung risk mo ay hindi ganun kalakihan.
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Pagka sa property, ang pinag-uusapan po natin.
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Ang cons naman po nito,
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ay limit, ay yung parang calculated.
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Hanggang 45,000 na lang siya a month.
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Kasi, wala eh, projected siya.
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Di ba, hindi mo pwede sabihin,
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Ay, kailangan ko ng 90,000.
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Natakasan ko na yung doble yung rental niyo.
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Aalisan ka ng tenant. Baka ma-zero ka pa.
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And then, siyempre,
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limited din yung potential ng growth.
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When you say limited,
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kukumparanin natin sa ibang investment,
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which yung pangalawa,
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eh talagang malayong malayo.
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So, right now, let's go to number two.
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Pag nag-business ka, anong pros?
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Siyempre, in terms of,
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pag-uusapan muna natin yung growth.
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Yung growth, hindi siya limited.
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Ang growth niya, unlimited.
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Kailangan mo na 90,000.
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Kailangan mo 180,000.
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Kailangan mo 360,000.
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In other words, sky is the limit.
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And then, ang kagandahan din sa negosyo,
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Di ba? May creative control ka.
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At meron kang tinatawag na sense of fulfillment
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pag may na-achieve ka mga milestone.
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Pag kinawag ka na ng boss, eh.
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Pero, anong cons?
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Ang cons naman, siyempre,
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araw-araw ka papasok pa rin sa work mo.
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Babantayan na, lalo kung bago pa.
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First, you become an employee of the company,
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and sooner or later, you become the boss of the company
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when you hire other people to work for you.
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nag-negosyo ka, there's higher risk.
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Kung ano yung ininvest mo, pwedeng maluwin.
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Pwede kang mag-back to zero.
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And then, number three,
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siyempre, yung promise pa yung return,
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eh, ano ba? Hindi.
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Eh, negosyo. Lahat ng negosyo may risk, eh.
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Meron bang negosyo walang risk?
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Eh, ano tawag doon?
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How shall na yun?
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Kaya nga tatanungin ko,
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o si T. Charon, TB,
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and si Lisselle Ferrer,
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ano bang mas palagay niyong mas maganda?
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Mag-invest ng pera,
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o inegosyo na lang?
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Tingnan po na natin ang success rate,
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Yung pagdating sa investment,
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malaking factor po,
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yung tinatawag natin on the market condition.
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When you say market condition,
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kung maganda po ang economy,
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siyempre, maganda.
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Bullish ang economy,
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mataas lahat ang presyo.
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And then, supply and demand yan.
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When the supply is little
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and the demand are high,
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the prices goes up.
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Lalo na pagdating sa stock market investment,
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or yung sa crypto investment,
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Pagka bull market.
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Parang walang katapusan, eh, no?
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depends also on the investment strategy
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Kung tama ba yung investment strategy niya
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when it comes to investing.
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Again, ano naman yung risk?
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Eh, may risk talaga rin.
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May risk na baka malugi ka,
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lalo na kung di maganda ang market.
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Kaya nga kailangan po, no,
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bago pa rin pumasok sa investment,
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please, please, please,
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do your own research.
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invest only the amount of money
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you can afford to lose.
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And then, number three,
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never invest in something
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you do not understand.
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Parang awa niya na.
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Yun lang po ang pakiusap ko po
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pagdating po sa investment.
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let's look at the business.
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Ano yung chances for you to succeed?
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Again, depends on your number one expertise.
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Kung ano yung alam mo.
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Depends also on your capabilities.
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Depends also on the market.
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Kung sinong target market and demand.
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And then, syempre,
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kung paano mo nie-execute yan.
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Ano naman ang potential risk po nito?
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Kaya kailangan po,
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bago ka pumasok sa business,
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pag-aralan mo muna,
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Pag hindi mo alam,
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wag mong pasukan.
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And then, please, please, please,
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when you want to start a business,
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I don't recommend you borrowing money.
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When you start up,
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wala ka pang proof of concept,
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there's a higher chance for you to lose money
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rather than to make money.
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when you want to start a business,
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start with the money you can afford to lose.
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Just in case you lose the money,
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you don't lose interest.
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You don't pay for interest.
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It doesn't make sense.
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anong magandang desisyon?
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Chinki, naguguluan pa rin ako.
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I have given you the pros and cons of two.
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make a decision based on your current financial situation.
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As much as you want to,
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like for example,
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You want to start.
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Like for example,
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meron ka bang pera pang invest?
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Ba't mo pag-usapan investment?
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may pera ka ba pang negosyo?
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limang libo lang.
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O, pwede ka mag-negosyo.
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Mag-negosyo ka muna.
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ito yung kagandahan.
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Just in case na magkamali ka sa five thousand,
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Pwede ka pa rin makarecover.
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Kasi, five thousand yan,
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pwede mong kitain ulit.
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mag-iinvest ka ng fifty thousand,
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ang hirap na makarecover.
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And I hope that you are enlightened.
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Ano ba talagang mas maganda?
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tatanungin ko ngayon.
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After hearing all of the pros and cons,
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gusto ko itang pakinggan
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at gusto ko malaman
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kung ano yung iniisip mo
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pakitype na lang sa comment section,
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ano sa palagay mo
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Thank you very much for tuning in.
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I hope that you have learned
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and you get excited.
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Don't forget to subscribe
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and share this video
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with your friends.
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tamang karunungan,
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tamang disiplina,
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ang Susy sa Pagyaman.
