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The stock market has never been more accessible than today. Noon, akala ng marami, pang-mayaman lang ang stocks. Ngayon, halos kahit anong economic status sa buhay, puwede nang magbukas ng account at magsimulang mag-invest. Pero may danger din ang accessibility. Warren Buffett recently warned that many people are treating the market like gambling, comparing the current environment to a “church with a casino attached,” especially because of short-term speculation and one-day o

People in their 20s have one of the greatest advantages in building wealth: TIME. Sila ang may pinakamalaking chance na maging multi-millionaires by retirement, not necessarily because they earn more today, but because they have decades for their money to grow through the power of compounding. Ang problema, karamihan sa edad na ito ay hindi pa iniisip ang retirement. Understandable naman—malayo pa, may ibang priorities, nagsisimula pa lang sa career, at mas exciting pag-usapa

Kapag nagbu-build tayo ng retirement fund, hindi sapat na basta “hulog lang nang hulog.” Mahalaga rin na mino-monitor natin kung on target ba tayo o hindi. Bakit? Kasi kung hindi mo sinusukat ang progress mo, paano mo malalaman kung kailangan mo nang mag-adjust? Sa example na ito, si Nario ay nagsimula sa edad na 25. Assumptions: Age: 25 Retirement Age: 60 Time Horizon: 35 years Monthly Investment: ₱5,000 Yearly Increase ng Contribution: 3% Assumed CAGR: 10% per year Kung con

From May 2016 to May 2026, based on this chart, SPY generated around 15% CAGR. Ibig sabihin, kung nag-invest ka sa S&P 500 through SPY during that period, napakaganda na ng naging performance. Pero ito ang mas interesting: Some of the top holdings of SPY performed way above SPY itself. For example: NVDA: around 67% CAGR TSLA: around 39% CAGR AVGO: around 37% CAGR AAPL: around 29% CAGR GOOG/GOOGL: around 26% CAGR MSFT: around 24% CAGR Compare that with SPY at around 15% CAGR.