“Start now. Start small. Mag-dividend investing ka para magkaroon ka ng passive income.”
- retironaryo
- May 11
- 3 min read
Real talk.
Madami kang maririnig ngayon sa social media na nagsasabing:
“Start now. Start small. Mag-dividend investing ka para magkaroon ka ng passive income.”
Maganda pakinggan. Motivating. Simple. Easy to understand.
Pero ang tanong:
Enough ba iyon para maabot mo ang retirement fund goal mo?
Kasi kung ang advice lang ay “start now and start small” pero walang computation, walang target retirement fund, walang required monthly investment, at walang realistic expected return, then that advice is incomplete.
Worse, baka delikado pa.
Dahil sa retirement planning, hindi sapat na nagsimula ka lang.
Dapat alam mo kung saan ka papunta, magkano ang kailangan mo, at kung kaya ba ng strategy mo na dalhin ka roon.
Halimbawa, after mo i-compute ang retirement number mo, lumabas na kailangan mo ng ₱25M retirement fund para ma-sustain ang lifestyle mo sa retirement.
You are 30 years old and plan to retire at 60. That gives you 30 years to build your fund.
Ngayon, ang tanong:
Magkano ang kailangan mong i-invest monthly para makarating sa ₱25M?
Based sa table:
Dividend Investing
Expected return: 7%
Required monthly investment: around ₱20,492/month
S&P 500
Expected return: 10%
Required monthly investment: around ₱11,060/month
Individual Growth Stocks
Expected return: 15%
Required monthly investment: around ₱3,611/month
Malaking difference, di ba?
Kaya huwag basta nagpapaniwala sa mga dividend influencers na ang key to reaching your goal is simply to “start now and start small.”
Kapag ganyan lang ang advice nila, ibig sabihin, either hindi nila alam ang numbers or hindi nila ipinapakita sa’yo ang buong picture.
Kasi ang tunay na tanong ay hindi lang:
“Nakapag-start ka na ba?”
Ang tunay na tanong ay:
“Kapag nag-start small ka, aabot ka ba talaga sa retirement goal mo?”
Kung ang kaya mo lang i-invest ay ₱3,000, ₱5,000, or ₱10,000 per month, tapos ang strategy mo ay mabagal lumago, baka decades kang consistent pero kulang pa rin pagdating ng retirement.
Kaya ito ang point:
Maliit na nga ang kaya mong i-invest monthly, tapos mabagal pa ang strategy na pinili mo.
Hindi ibig sabihin na masama ang dividend investing. May tamang lugar ito, especially kung malaki na ang fund mo at kailangan mo na ng regular cash flow during retirement.
Pero kung nasa wealth-building stage ka pa lang, lalo na kung limitado ang monthly investment capacity mo, baka hindi dividend investing ang pinaka-effective na strategy para maabot ang multi-million retirement fund goal mo.
For most beginners, S&P 500 investing is easier to learn compared to individual stock picking. Hindi mo kailangang maging expert agad. You can start with broad market investing while learning deeper strategies.
Ang individual growth stock investing naman ay may higher potential return, pero mas mataas din ang learning curve. Kailangan dito ng proper education, tamang mindset, at malinaw na strategy. Hindi ito dapat ginagawa dahil lang may nakita kang stock recommendation sa social media.
Lahat ng strategy may risk.
Dividend investing may risk.
S&P 500 investing may risk.
Individual growth stocks may risk.
Pero ang pinakamalaking risk?
Yung umabot ka sa retirement age na kulang pa rin ang pera mo dahil mali ang strategy mo simula pa lang.
So ask yourself:
Would you rather invest a much bigger amount every month because your chosen strategy grows slower?
Or would you rather invest first in proper education so you can learn a strategy that gives you a better chance of reaching your retirement goal with a lower required monthly investment?
Hindi sapat na “start now and start small.”
Dapat ang mindset ay:
Start now. Know your numbers. Choose the right strategy. Adjust your plan. Stay consistent.
Because retirement planning is not just about investing.
It is about matching your goal, time horizon, monthly capacity, and strategy.
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