5 THINGS YOU NEED TO CONSIDER BEFORE INVESTING

Napakarami sa atin ang gusto mag-invest pero hindi alam kung saan at paano magsisimula. Marami din sa atin ang meron ng pang-invest pero natatakot  na kapag nag-invest , baka malugi lang at walang mangyari. In this post, I want to help you regarding the said topic. I want to give you some tips what the things you need to consider before starting in any kinds of investment.

   1. Set Goal.  

     Bakit ka nga ba magi-invest, ano ba reasons mo? Ano ba yung mga gusto mong maabot? Gusto mo bang makabili ng bahay, kotse, makapag-travel, makatulong sa family, makapagtayo ng charity, makapag-paaral ng mga kapatid, magkaron ng magandang retirement, magkano bang halaga ang gusto mo? Napakadaming rason kung bakit mag-iinvest ang isang tao, that’s why knowing your reasons is a must before investing in any kind of product or procedure. Dahil kapag nag-invest ka at hindi mo alam kung bakit ka nag-iinvest, eh para kana ding tumakbo sa isang track ‘n field at hindi mo alam kung saan ang finish line, para kana ding naglaro ng billiards na walang butas ang mesa, at para kana ding naglaro ng basketball na walang ring. That’s why setting goals is very very important before stepping-in in any kind of investments.

   2.Have the Proper Expectations. 

      Lahat ng uri ng investments ay laging may kapatid na risk. Anu ba yung risk ? Ito yung mga bagay na hindi mo inaasahan o yung mga bagay na ayaw mong mangyari sa business or investment mo. Pwedeng pagkalugi, pagkatalo, pagbagsak ng business, maliit na interest, walang kita, pagbagsak ng market, in short, risk is your enemy or challenge in your investments.

3.Learn Before you Earn. 

     Napakaraming nababalita sa radio, tv, dyaryo ang mga nai-scam. Alam mo ba kung bakit? Na-scam sila dahil wala silang proper education what a real investment is all about. Kung alam lang sana nila that real investment takes time, real effort and hardwork, eh di sana hindi sila maloloko ng mga illegal na company at mga taong mapagsamantala. Kadalasan, pinapangakuan sila ng high returns or interests, kaya eto naman si Juan, naniwala at naloko. You can read books, attend seminars, search online, watch videos in youtube, or read our posts here to become financially educated. Always remember, “Learn before you Earn.”

    4.Create and Maintain Emergency Fund. 

     This will be your backup for the rainy days. Dahil nga sa hindi maiiwasan ang risk sa lahat ng investments, you need to have Emergency Fund. Pano kung next month malugi ang investments mo, pano kung next year biglang bumagsak ang market, pano kung halimbawa nagkaron ng isang malakas na typhoon tulad ni Ondoy at nasira yung business mo, pano ka ngayon? Having Emergency Fund is a must, it should be 3-6months of your monthly expenses, mas maganda kung mas malaki at mas matagal, pwede mo din syang gawing 6months-1 year, depends on your plans.

    5. Take Baby Steps. 

     Don’t wait for the perfect time, it will never be or it will always be... Don’t be afraid to fail, don’t be afraid to lose, kung mangyari man, atleast alam mo na ang tama sa mali, atleast next time alam mo na ano ang dapat gawin. Sabi nga, “ The worst thing the man can do is by not doing anything. “ In short, start today, start now, don’t wait for someone, don’t wait for something to happen, it all starts with a single action.

    
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