Akala ng iba, sapat na ang S&P 500. Totoo naman—SPY is already a very powerful investment vehicle.

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.

Ibig sabihin, kung kayo ay nasa impression na walang investment na more than 10% ang return over the long run, napag-iiwanan na kayo. Marami nang investment vehicles at individual stocks na nagpakita ng returns far above that level over a long period.

Pero tandaan: hindi ito smooth ride.

Hindi ito iyong parang diretso lang ang taas araw-araw. Maraming panahong babagsak, may corrections, may bear markets, may takot sa economy, may giyera, may recession fears.

Kasama lahat iyan sa long-term investing.

Ang maganda, kung consistent ka sa pag-invest, nababawasan ang effect ng volatility dahil nakakabili ka pareho sa mababang presyo at sa mataas na presyo. This is one of the biggest benefits of cost averaging. Instead of being paralyzed by short-term fluctuations, ginagamit mo pa ang volatility to accumulate more shares over time.

Ito ang dahilan kung bakit sinasabi ko na may mga individual stocks na kayang talunin ang index — kung tama ang company na napili mo, tama ang presyo ng pagbili, at kaya mong hawakan long term.

Pero hindi ibig sabihin nito na basta bumili ka lang ng sikat na stock, panalo ka na. Hindi ganoon kasimple. Kailangan pa rin ng tamang kaalaman sa:

• fundamentals

• valuation

• business quality

• competitive advantage

• at higit sa lahat, discipline

Ang SPY ay diversified at very practical para sa karamihan. Pero kung gusto mong magkaroon ng chance na makakuha ng mas mataas na return, dito papasok ang tamang stock picking.

Hindi natin kailangang maging Warren Buffett para maging successful sa stock investing.

Pero kailangan natin ng tamang strategy, tamang kaalaman, consistency, at mahabang pasensya.

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