My Stock Investment Journey

Before you invest in stocks, you must understand high risk tolerance.

Stocks are not a “sure win” game. Even the best companies can drop 30%–50% in a bad year or during a market crash—sometimes with no warning. If you don’t know this (and you’re not prepared for it), you will panic, sell at the bottom, and turn a temporary decline into a permanent loss.

That’s why risk tolerance is not just a fancy term. It’s a real-life test:

✅ Can you still sleep if your portfolio is down 40%?
✅ Can you still hold—and even keep buying—when headlines are negative?
✅ Can you stay invested for 10+ years, without needing the money soon?

If the honest answer is NO, then you’re not ready for stocks yet—and that’s okay. It simply means you should start with safer steps first: build an emergency fund, fix cash flow, pay down high-interest debt, and learn the basics. Because investing in stocks without understanding risk tolerance is like riding a roller coaster without knowing there are steep drops—you’ll jump off at the worst time.

Harsh truth: If you don’t understand high risk tolerance, you should NOT invest in stocks.
Not because stocks are bad—but because the market will eventually test your emotions, and emotions are expensive.

Investing rewards those who are prepared.

Disclaimer: This is general information only and not financial advice. Always consider your goals, time horizon, and personal situation.

While others are flexing the 5–7% dividends they received this December, I’m flexing my +68% unrealized capital gain for the year. 💪📈

With the Segurista Stock Investing Strategy, we don’t obsess over dividends alone—we focus on TOTAL return:
✅ Capital appreciation (growth)
✅ Dividends received (bonus)

Because if you still have a 10–30 year time horizon to build your retirement fund, growth and compounding matter far more than chasing yield.

Important note: +68% in one year is NOT “normal” and not something I expect every year. Markets move in cycles. What I aim for is consistency over time—historically, this strategy has delivered around 20%–30% CAGR over the past ~4 years (with ups and downs along the way).

Long horizon + quality companies + disciplined process = retirement fund growth.

Disclaimer: This is for educational purposes only and not financial advice. Past performance is not a guarantee of future results.

Akala ng karamihan, ang pinaka-importanteng factor sa pagbuo ng retirement fund ay malaking pera para ma-invest. Kaya maraming hindi nagsisimula—lalo na kung maliit ang sweldo—dahil iniisip nila, “Wala pa akong sapat.”

Pero ang totoo: mas mahalaga ang oras (time) kaysa pera.

Kung meron ka pang 20–30 years na time horizon, iyan ang pinakamalakas mong asset. Pangalawa lang ang pera. Kahit maliit ang naii-invest mo pero regular at tuloy-tuloy, malaki ang puwedeng marating dahil sa compounding over decades.

Kaya ang goal mo sa umpisa ay hindi “malaking halaga.” Ang goal mo ay magsimula.

Magsimula ng maaga, kahit maliit.

Gawin itong regular (weekly o monthly).

Kapag na-develop mo na ang habit, mas madali nang unti-unting dagdagan ang investment habang tumataas ang income.

Sa retirement planning, hindi laging panalo ang may malaking pera. Madalas, panalo ang maagang nagsimula.

Ginagamit mo rin ba ang dibidendong na-receive mo pambili ng grocery? 😊

Ok lang ’yan kung retirado ka na—kasi ang dividends mo, parang “sweldo” na pang-araw-araw.

Pero kung hindi ka pa retired, ibang usapan na.

Kapag ginastos mo agad ang dividends, parang pinutol mo ang compounding. Maliit man ang dividends ngayon, puwede itong maging malaki balang araw—kung paulit-ulit mong i-reinvest.

✅ Mas mainam (habang nagbu-build ka pa ng retirement fund):
Dividend → Reinvest → Mas maraming shares → Mas malaking dividends sa future

Simple lang ang goal:
Habang bata pa ang portfolio mo, palakihin muna.
Darating ang panahon na yung dividends mo, kaya nang bumili ng grocery… nang hindi nababawasan ang puhunan.

Disclaimer: For educational purposes only, not financial advice.

Welcome aboard, new Retironaryo subscribers! 👋💚

Ako si Jarvis Laurilla (kasama ang misis kong si Mimi), at welcome sa Retironaryo — page na ginawa para tulungan kayong maging financially literate at makapag-build ng retirement fund gamit ang budgeting, saving, at long-term investing.

Ano ang aasahan mo dito?
✅ Practical, no-nonsense tips (walang pa-cute, walang hype)
✅ Step-by-step money concepts
✅ Real talk about money habits, discipline, and compounding
✅ Content about building wealth the “Segurista” way: quality companies + long time horizon + strategy

Reminder: Hindi ito get-rich-quick. Ang goal natin dito ay financial independence — para hindi tayo maging pabigat sa anak, at may peace of mind habang tumatanda.

Kung bago ka pa lang, comment ka naman:
“NEW” + edad + country/city (PH/AU/OFW) para ma-welcome ka rin ng community. 😊

Salamat sa pag-follow — sabay-sabay tayong aangat. 💪📈

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Kung ang goal mo ay mag-build ng retirement fund at meron ka pang mahaba-habang time horizon (10–30 years), ang pag-focus sa Philippine REITs (lalo na as the main strategy) ay kadalasan hindi magandang idea. Hindi dahil “masama” ang REITs—pero dahil hindi sila optimal para sa long-term wealth building kumpara sa growth-oriented assets.

1) Mali ang “primary objective” ng REITs para sa long time horizon

REITs are designed to be income vehicles. Ibig sabihin, mas priority nila ang regular dividends kaysa aggressive capital growth.
Kung bata ka pa at decades pa ang runway mo, ang mas kailangan mo ay growth—yung asset na kayang mag-compound nang mas mabilis.

Dividend feels good now. Growth pays you later.

2) Dividend-heavy strategy = mas mabagal ang compounding ng total wealth

Kapag mataas ang payout, mas kaunti ang naiiwan sa negosyo (o sa REIT structure) para mag-expand.
So kahit may dividends ka, madalas limited ang price appreciation—at sa long horizon, price appreciation ang major driver ng malaking retirement fund.

3) Interest rates ang “kalaban” ng REITs — at cycle yan, paulit-ulit

REITs are sensitive to interest rates:
- Pag tumataas ang rates, tumataas ang financing cost
- Mas nagiging attractive ang bonds/term deposits
- Madalas napipiga ang REIT prices

Kung long-term investor ka, ayaw mo na ang main holding mo ay asset class na madaling ma-pressure tuwing rate cycle—dahil multiple cycles ang dadaanan mo in 10–30 years.

4) Concentration risk: maliit ang PH REIT market

Sa Pilipinas, iilan lang ang REITs at kadalasan iisang theme: offices, malls, or developer-led assets.
Ibig sabihin, kung PH REIT-heavy ka, malaki ang chance na pare-pareho ang risk drivers:
- local economic cycles
- property/occupancy trends
- policy/regulatory changes
- developer-specific risks

Kung retirement fund ang goal, mas gusto mo ang diversification across countries and sectors.

5) “Dividend illusion” — mataas ang yield pero hindi ibig sabihin mataas ang returns

Maraming nagkakamali: “7% yield = 7% return.”
Hindi. Total return = dividends + price change.
Kung ang price stagnant (o bumababa), pwedeng kainin lang ng market decline ang dividends mo.

Ang mas masakit: kung i-withdraw mo yung dividends for spending (habang bata ka pa), nababasag ang compounding.

6) Inflation risk: retirement fund needs to outrun inflation hard

Real estate can hedge inflation sometimes, but PH REIT cash flows and distributions may not always keep pace, especially kapag:
- capex/maintenance needs rise
- occupancy weakens
- rents can’t be raised fast enough
- financing cost rises

Kung 20–30 years pa ang laban mo, dapat ang core holdings mo ay may strong compounding engine.

7) Opportunity cost: your best years for “risk-taking” are now

Habang mahaba pa ang time horizon mo, kaya mo pang mag-survive ng volatility.
So ang best use of your “youth advantage” is to allocate more to growth assets (quality growth stocks / broad equity index funds), not to a mostly-income asset.

REITs become more sensible later, kapag:
- malapit ka na mag-retire, and
- priority mo na ang income stability kaysa aggressive growth.

Kung bata ka pa at may 10–30 years ka pa bago mag-retire, huwag mong gawing pangunahing strategy ang PH REITs.
Maganda ang dividends—pero sa long time horizon, mas importante ang total return at compounding.

REITs = pang-cashflow.
Growth assets = pang-yaman.

Gamitin ang REITs (kung gagamitin man) as small satellite allocation later in life—hindi as the engine ng retirement fund habang mahaba pa ang runway mo.

Kalimitan nating naririnig na ang growth assets / stocks ang magbibigay ng mas malaking return in the long run dahil high risk, high return. Sa theory, tama ito.

Pero sa totoong buhay, madalas hindi ito nangyayari—hindi dahil mali ang stocks, kundi dahil tao ang may hawak ng desisyon.

Natural sa atin ang maging emotional:
- Bumibili kapag pataas na ang presyo → greed / FOMO
- Ayaw bumili kapag bumabagsak ang presyo → fear
- At kapag bumaba na ulit, nagpa-panic sell → nagbebenta ng palugi

Kaya ang ending, karamihan:
✅ mahal nakaka-bili (late na pumasok), at
❌ mura nakaka-benta (takot na takot na)

Hindi high risk, high return ang kalaban—emotion ang kalaban.

My wife’s Christmas gift! Thank you mama!

ANG MGA KAIBIGAN NAMIN - traders and newbies na FOMO at madaling mag-panic

Bakit? Dahil kapag takot ang market, dumadami ang panic selling—at doon lumalabas ang pagkakataon para makabili tayo ng quality stocks sa mas mababang presyo. At kapag bumalik ang kumpiyansa ng market, sila rin ang madalas bumibili ulit—na tumutulong itulak pataas ang presyo.

Sabi nga ni Warren Buffett: “The stock market is a device for transferring money from the impatient to the patient.”

Ang problema ng karamihan ay emotional investing:
- Bumibili kapag pataas (greed / FOMO)
- Nagbebenta kapag pababa (fear / panic)

Kaya ang nangyayari, mali ang timing: sell low, buy high.

At dito pumapasok ang isa pang mahalagang paalala ni Buffett: “Volatility is far from synonymous with risk.”

Para kay Buffett, ang biglang bagsak ng presyo ay hindi automatic na “danger.” Madalas, mispricing ito—resulta ng takot at emosyon ng crowd. Kung quality ang negosyo at long-term ang plano, volatility becomes opportunity, not risk.

Dati, swing trader din ako. Same pa rin ang standards ko sa pagpili ng stocks—quality companies lang, may solid fundamentals, may long-term potential. Ang difference lang: may profit target ako. Pag umabot ng 20%, benta na para “secured” ang kita.

Pero nung binalikan ko ang history ng trades ko, may napansin akong masakit na pattern:

✅ Marami sa mga binenta ko noon… nasa all-time high na ngayon. Oo, kumita ako. Pero na-miss ko yung mas malaking opportunity.

Doon ko na-realize: Kung ginawa ko na ang due diligence at convinced akong great company ito, bakit ko ibebenta? At pag binenta ko, anong assurance ko na yung ipapalit kong stock ay mas magaling pa kaysa sa binenta ko?

Kaya binago ko ang approach ko: Mas gusto ko nang mag-stack ng good companies at hayaan silang mag-compound—instead of palipat-lipat, trade after trade.

Example: KLAC (KLA Corporation)
Binili ko ito November 2024. Kung sinunod ko ang dati kong style at binenta ko agad nung 20%+ profit na (around January 2025), tapos na ang story.

Pero dahil hinawakan ko, ngayon—after ~13 months—umabot na sa around +103% unrealized gain.

📌 Lesson:
Minsan, ang tunay na kalaban ng investor ay hindi ang market… kundi yung urge na “mag-take profit” agad kahit yung binili mo ay high-quality naman talaga.

Long-term investing isn’t boring. It’s powerful.

Disclaimer: For educational purposes only, not financial advice. Do your own research and manage risk based on your goals and time horizon.