00:34.1
and are you guilty of making 10 common investment mistakes?
00:40.0
So, kumuha nga yung papel, ball pen, gagawa tayo ng checklist.
00:43.9
And gusto ko sana sa episode natin na ito, maiwasan nyo yung mga pagkakamali
00:47.4
because I do believe prevention is better than cure.
00:50.6
Do you agree? If you agree, type agree in the comment section.
00:53.4
Number one investment mistake is the lack of diversification.
00:56.6
Ang ibig sabihin po na yung diversification,
00:58.1
diversification is never put your eggs in one basket.
01:00.6
Kung lahat ng mga, nga rin, inegosyo mo, iisa lang siya.
01:03.7
Okay, what if, huwag naman po sana, humina ang negosyo.
01:06.4
Like for example, yung nangyari noong 2020, tourism lang.
01:09.2
Eh, tourism lang yung business mo.
01:10.7
Paano na yun? Di ba? Wala kang ibang source of income.
01:14.1
Ganon din po sa investment. Di ba?
01:16.2
Eh, paano na kung nilagay mo sa isang stocks,
01:19.6
tapos yung stocks na yan bumagsak.
01:21.3
Ubus yan talaga. Wala kang fallback.
01:23.2
Kaya ayaw natin mangyari as much as possible,
01:25.1
we want to minimize our risk, kaya dapat natin i-diversify.
01:28.1
I-diversify. That's number one.
01:30.5
Guilty ka ba? Kung guilty ka, nako, yun na yung unang mistake.
01:33.9
Second, mistake when it comes to investment,
01:36.2
you are trying to time the market.
01:38.6
O, market timing.
01:40.6
Alam mo, hintayin ko pag mataas na, tsaka ako bibenta.
01:43.2
Pag alam ko, pabaksak na.
01:44.7
Nako, kung alam mo lang, kung alam ko lang, kung alam...
01:49.0
Eh, nako, mayama na tayong lahat.
01:52.1
Alam mo, wala po nakakapag-predict po talaga ng timing, ng trends.
01:56.1
Alam mo, reality.
01:57.5
Like for example,
01:58.1
itong latest na itong nangyayari na ito.
02:01.0
Recorded November 15, 2023.
02:04.3
Eh, nagkaroon ng bear market po, yung sa tinatawag nating cryptocurrency.
02:07.9
Bumaksak po ang Bitcoin up to less than 20,000 pesos.
02:12.1
Up to less than 20,000 pesos, ha?
02:14.6
Around two years ago, or one year and a half,
02:16.9
nagkaroon ng bear market na pagkatagal-tagal,
02:19.4
sideways lang po ang ano, ang Bitcoin.
02:22.2
Kaya ang dami pong natatakot.
02:23.7
O ngayon, bigla na lang,
02:25.1
nag 30 plus thousand per ano na.
02:30.8
Yun nga, if you're trying to time the market, nobody expect.
02:34.2
Kaya nga, if you want to invest talaga, wala pa rin tatalo.
02:37.2
If you do what we call as cost averaging in investment.
02:41.2
Ano po yung cost averaging in investment?
02:43.8
Nako, ang ibig sabihin niya, consistent ka na mag-i-invest.
02:46.6
Buwan-buwan, nag-i-invest ka, you will catch the high,
02:49.3
you will catch the low of the market.
02:52.1
Ibang usapan na yan para hindi tayo tumagal.
02:55.1
Guilty ka ba na itong maling investment?
02:58.1
Emotional decision mo, emotional decision-making.
03:01.3
Alam mo, pag sa investment, if you allow emotions to make the decision for you,
03:05.5
99 percent, lugi ka.
03:07.9
Ano eh, pagka ang problema kasi sa emotion, tricky siya eh.
03:12.0
Tricky siya in the sense,
03:13.3
pag tumataas ang stock or let's say ang investment mo, may tendency sabihin mo,
03:18.8
hihintayin ko po siya na tumaas, tataas pa yan.
03:21.8
At pag bumabagsak na, diba, dahil sa sobrang takot mo,
03:26.3
baka mawala na yung value ng investment mo.
03:28.2
Ibebenta mo agad siya.
03:30.8
O sino po sa inyo guilty po diyan?
03:34.2
Nung binenta mo, nung bumagsak, tapos bigla na ka ba, ay, sayang.
03:39.2
Nung mataas na, hindi mo binenta, tapos bigla mo, ay, sayang.
03:44.6
O yun, kasi investment, it's not about emotion.
03:48.8
It's about a plan.
03:50.3
It's about a decision.
03:51.6
Oo, kaya kalma lang.
03:52.9
Pag bumagsak, huwag ibenta.
03:55.0
Pag naglagay ka ng ano, naglagay ka ng limit,
03:57.8
O kumita ng 20 percent.
03:59.2
Pag tinamahan mo yung 20 percent, ibenta mo na.
04:01.0
Number four, ay, sana naman natututo kayo.
04:05.0
Number four reason kung bakit nagkakamali tayo when it comes to investment,
04:09.0
baka guilty ka, which at times, yun nga, dahil emotional investor ka.
04:14.8
O you don't, you do your own research.
04:16.9
Alam mo, eto lang ha, kung makikinig ka lang sa mga kwento-kwento,
04:20.2
sa istorya, sa trending, naku, maniwala ka.
04:22.6
Maluloko ka talaga.
04:23.7
Even me, ako mismo, nagkakamali ako minsan.
04:27.8
I do my own research.
04:28.9
Eto lang po ang tip ko po sa inyo ha.
04:30.4
Bago kayo mag-invest, lalo ng mga kababayan ng ating OFW,
04:33.7
this is the rule of thumb, which I've learned.
04:35.7
If there's a tinge of doubt, kahit 1 percent lang na may duda,
04:40.2
huwag mong pasukan.
04:41.2
Pakinggan mo ulit ha, 1 percent lang na duda,
04:44.5
huwag mong pasukan.
04:46.9
Kasi ano eh, yung parang gabi-gabi nag-iisip ka,
04:50.1
paano na kumaluli ako?
04:51.4
Paano kumawala na investment ko dyan?
04:53.3
Is it worth to change your peace of mind?
04:56.0
Because, yun nga,
04:57.8
Hindi ka nag-research.
05:00.3
Let's go to number 5 kung guilty ka.
05:02.2
Eto. Kung bakit nalulugi?
05:04.4
Because you are chasing quick high-risk gains.
05:07.8
Yan ang problema.
05:08.6
Yung mga bilisang kita.
05:10.0
Yung mga biglang yaman.
05:11.4
Oo, ayun po, easy money.
05:13.0
Ay nako, pag ganun kang mag-isip when it comes to investing,
05:16.4
pardon me for saying this, super-candidate ka talaga na maska.
05:20.4
Walang quick money, walang easy money.
05:22.6
Magtaka ka na lang na wala kang ginagawa.
05:25.1
Hindi ka nagbebenta, kikita ka.
05:26.7
Meron nga akong kakilalang gano'n eh.
05:28.8
Na hindi sila nagbebenta, biglang nagkakaroon sila ng benta.
05:31.6
Nakakaingat-ingat ka yun.
05:33.8
Mag-iinvest ka lang ng pera, kikita ka na wala kang gagawin.
05:36.6
Sa huli pa rati ang pagsisisa yung mga friendship.
05:38.8
Kaya nga bago tayo magpatuloy, kamustahin muna natin si Ranny Mancilao,
05:42.9
si Ranny Baze1634 at si ArjongTV9118.
05:48.7
Number 6, mistake when it comes to investing o kung guilty ka.
05:52.9
Lack of clear strategy.
05:54.8
O wala kang plano.
05:57.2
Wala kang short term, medium term, long term plan.
05:59.8
Ang gusto mo lang profit, profit, profit, profit.
06:02.2
Alam mo, always remember, there are two types of investor.
06:05.0
Yung tinatawag na trader or number two, long term investor.
06:10.1
Ask yourself, are you a trader?
06:12.2
When you say trader, araw-araw nagbebenta ka o are you a long term investor?
06:16.2
Kaya kung trader ka, araw-araw mababate yung market.
06:18.3
Pag long term ka, dapat isipin mo pang matagalan, 5 years, 10 years, 20 years from now.
06:23.9
Number seven mistake kung bakit nalulugi.
06:26.2
Sa investment, chasing the latest trends.
06:31.4
Hinahanap mo yung pinakabago na, aside from Bitcoin,
06:35.3
ano yung pinakabago na, ay naku, kung hahabulin mo na yung pinakabago,
06:39.2
chances are malulugi ka imbes na kumita because new things are always risky.
06:44.9
Kaya nga of all the cryptocurrency na pinakabest talaga,
06:49.2
well, is still Bitcoin kasi siya yung OG, siya yung matagal, siya yung pinagkakatiwalaan ng malaki.
06:54.7
Kaya nga yung mga professional investors,
06:56.2
kahit na mga long term investor, kahit na bumaksak ang Bitcoin, wala silang pakialam nila.
07:01.3
Everything that goes down will also go up.
07:03.8
Number eight mistake kung bakit nalulugi yung investment because you're ignoring your risk tolerance.
07:10.4
Isa pa to, nakakaligtaan to yung risk appetite mo, tanungin mo yung sarili mo.
07:14.6
Are you a conservative, moderate or an aggressive investor?
07:17.8
Pag conservative ka, mababa, moderate, gitna, aggressive, mataas.
07:21.4
Yung kadalasan, e yun nga, conservative ka pero nag-iinvest ka sa aggressive.
07:25.5
Kaya kung tinamaan ka talaga, eh, eh, eh, kawawa ka.
07:29.1
Kaya ako, personally, again, I can only talk about myself.
07:32.2
Only 1%, 1% of my investment, personal ko lang ito, aggressive.
07:37.8
Pero majority of my investment are more on the conservative.
07:41.5
Kaya nga iba-iba po tayo.
07:43.0
Okay? Number nine, number nine.
07:45.8
Uy, guys, na-appreciate nyo ba itong session?
07:48.2
Pag na-appreciate nyo, pakitype appreciate.
07:50.6
Number nine mistake that you should avoid or probably you're guilty of doing.
07:54.5
Neglecting regular monitoring.
07:57.4
Alam mo, kailangan talaga, from time to time, hindi naman kailangan daily,
08:01.3
week to week or month to month, eh, check mo, magkano na ba yung performance,
08:04.8
magkano na ba yung, ano, T-bills mo or let's say, UITF mo, yung mutual fund mo.
08:10.5
Diba, alamin mo, check mo lang, parang malaman mo talaga kung ano nangyayari sa market.
08:14.3
And then, alamin mo rin kung kailang ka magka-cut loss.
08:17.1
Diba, kunyari, uy, talagang sobrang baba na.
08:19.4
Kailangang maglagay kayo ng level.
08:21.2
Pag bumaba pa na ng ganito, bibenta ko na, ililipat ko sa iba.
08:24.1
Okay? Kailangan mo malaman yun.
08:26.5
And last but not the least, number ten.
08:29.9
Common mistake ng mga investor, not seeking professional advice.
08:34.0
Dito nagkakamali ang karamihan.
08:35.7
Akala nila, alam nila lahat.
08:37.6
Nagiging self-reliant tayo, kaya ang ending, winning bad financial decision.
08:41.7
Kaya nga, ang laki nawawala po sa atin.
08:44.3
Kaya nga mga friendship ha, ito lang po sabihin ko po sa inyo.
08:46.7
And I hope that this will stick with you.
08:48.6
Check mo muna natin ulit to, from one to ten.
08:51.0
From one to ten kung saan po kayo guilty.
08:54.1
Okay? Lack of diversification.
08:57.2
Number two, tinatiming mo ang market.
09:00.1
Number three, you make emotional decision.
09:02.9
Number four, hindi ka nagre-research.
09:05.5
Number five, gusto mong mataas sa kita.
09:08.0
Number six, wala kang clear na strategy.
09:10.9
Number seven, hinahabol mo yung latest trend.
09:14.6
Number eight, you're ignoring your risk tolerance.
09:17.8
Number nine, hindi ka nagmo-monitor regularly.
09:20.6
And number ten, kulang ka sa paghanap ng mga
09:24.2
professionals to really ask.
09:26.5
Friendship, lalo na kababayan kong OFW, from one to ten, check mo, nasa ang level ka na.
09:32.1
Diba? Kung ibig sabihin mataas ang ano mo na ito, huwag ka muna mag-invest.
09:37.5
Diba? Pag-aralan mo muna mabuti because you know why?
09:41.0
It took you a lot of years to earn the money.
09:44.1
It took you a lot of years and discipline, sacrifice to save the money.
09:48.0
But it only takes you one bad decision to lose everything.
09:51.3
And ayaw na ayaw ko na talaga
09:54.1
hanggang maubos na ka ng pera, mawala ka ng pera.
09:56.4
And that is my goal, to protect you guys.
09:58.7
That's the reason why I want to encourage you.
10:00.8
If you really want to learn more on how
10:02.7
to protect your hard-earned income, please subscribe to this channel.
10:06.2
Mag-subscribe ka sa channel na ito, that's number one.
10:08.9
And number two, always remember, I will not endorse, I will not endorse
10:14.2
any investment or any business that will put you into harm.
10:18.8
Ito lang sabihin ko po sa inyo, I made an endorsement, actually, may ginawa kong review.
10:24.1
It was, I think, sometime in March of 2023.
10:28.5
And then nung na-realize ko, nagkamali po ako ng review dahil sa community po natin,
10:34.1
they raised up some points, good points, immediately, anong ginawa ko po?
10:38.3
Nag-issue po ako ng public notice that I'm stopping already any affiliation
10:45.7
with this parang company na ginawang ko ng review.
10:48.6
Bakit po? For me, a good name is more important than riches.
10:54.2
mga friendship, I just want to encourage you to really protect your hard-earned money.
10:59.1
Huwag na huwag niyong hahayaan na maloko po tayo.
11:03.0
Kung nagustuhan niyo itong episode na ito at na-enlightened po kayo,
11:06.5
I want you to type in your comment section and what you have learned and what you can
11:10.1
also share with your own personal investment journey.
11:13.1
Tatandaan, tamang karunungan, tamang disiplina po ang susi sa pagyaman.
11:24.1
Thank you for watching!
