Bakit Maraming Pinoy Napipilitang Mag-Trading?

Hindi ko masisisi ang ibang Filipino investors kung mas pinipili nilang maging trader—buy and sell—kaysa maging long-term investor, lalo na kung ang focus nila ay Philippine market.

Sa nakaraang ilang taon, ang PSEI ay mostly sideways o pababa. Kapag ganito ang galaw ng market, mahirap mag-build ng wealth through simple buy-and-hold strategy. Mas mahirap din malaman kung ang portfolio mo ba ay kumikita nang sapat para maabot ang iyong financial goals, lalo na kung may target kang required rate of return for retirement, education fund, or other long-term goals.

Kaya naiintindihan ko kung bakit maraming investors ang napipilitang mag-trade. Sa market na hindi consistent ang long-term growth, minsan kailangan talagang maghanap ng shorter-term opportunities.

Pero iba ang naging experience ng long-term investors sa S&P 500 Index.

Over the same period, mas malinaw ang long-term upward trend ng S&P 500. Hindi ibig sabihin na walang risk o hindi bumabagsak—bumabagsak din ito during recessions, inflation fears, wars, interest rate hikes, and market panic. Pero historically, mas may tendency itong maka-recover at magpatuloy pataas over the long term.

Para sa ordinaryong investor na walang oras mag-monitor araw-araw, malaking bagay ito.

Hindi mo kailangang laging bumili at magbenta.

Hindi mo kailangang hulaan kung kailan ang perfect entry.

Hindi mo kailangang bantayan ang market every hour.

You can simply invest consistently, stay invested, and let time and compounding do their work.

That is why, for long-term goals like retirement, I personally believe that investing in broad global or US index funds such as those tracking the S&P 500 Index can give investors a better chance of achieving their goals compared to relying only on the Philippine market.

Hindi ito tungkol sa pagiging anti-PSE.

Tungkol ito sa pagiging practical.

Kung ang goal mo ay retirement fund, dapat ang tanong ay hindi lang:

“Saan ako familiar mag-invest?”

Ang mas importanteng tanong ay:

“Aling market ang may mas mataas na chance na tulungan akong maabot ang retirement goal ko?”

Disclaimer: This is for educational purposes only and not a recommendation to buy or sell any specific investment. Always study first and know your own numbers before investing.