Bago ang lahat, ano nga ba ang investment?
Ang investment ay ang mga bagay na pag binili mo ngayon ay may babalik na profit sa iyo in the future. For example, ang bahay ay posibleng ma-consider na investment kung ito ay gagawin mong for rent. Pero kung ito ay iyong magiging tahanan, at titirhan mo, ito ay hindi isang investment.
Kati sabihin mo na may plano kang ibenta one day, but once you sell it, saan ka naman titira?
Ngayon na na-define na natin kung ano ang investment, i-identify naman natin kung saan nga ba pinkamagandang mag-invest.
One thing you need to consider before having an investment is to …
PAY OFF YOUR DEBT
Kung ikaw ay may natitira pang mga UTANG, I highly suggest na yun muna ang pagtuunan mo ng pansin. Alisin mo muna ang malaking source ng STRESS sa buhay mo before ka mag-effort sa pag-aasikaso ng magiging investment mo.
THE BEST INVESTMENT YOU CAN MAKE IS TO PAY OFF YOUR DEBT TODAY.
SET AN EMERGENCY FUND
Importante na may natatabi kang pera, just in case of emergency before ka mag-invest. Kasi kapag may nangyari na hindi inaasahan habang ikaw ay nasa kalagitnaan ng pagbabayad ng investment, may mapagkukuhanan ka at hindi mo magagastos ang nakalaan para sa iyong investment.
If you have cleared all your debts and you already have an invested in an emergency fund, you now need to …
KNOW YOUR GOALS
Kailangan maging clear kung para saan ba ang investment na gusto mong ma-achieve.
Malalaman mo kasi based sa goals mo kung ano ang tamang investment for you.
If you intend to invest for something that will help in generating income for your family, puwede kang mag-invest sa isang condominium unit or house and lot at gawin mong for rent.
May mga ibang tao mas prefer yung mga mutual funds or mga stock market.
Madaming klase ng investment at ang pinakamaganda sa lahat ay yung SWAK sa layunin mo. Kapag malinaw na yung goals mo for having an investment, it’s time for you to …
LEARN ABOUT THE INVESTMENT
Ang numero uno kong rule pagdating sa investment ay:
“NEVER invest in something that you DO NOT UNDERSTAND no matter how profitable it may be.”
Kahit pa ito ay swak sa layunin mo at mukhang malaki ang kikitain pero hindi mo fully naiintindihan ang kalakaran ng papasukin mo, huwag ma-excite at basta basta na lang mag-invest.
Make an effort to learn about it. After all, para sayo at sa pamilya mo naman yan. Kung hindi mo aalamin ang buong detalye ng paglalaanan mo ng iyong pera, baka mawala na lang yan na parang bula.
THINK. REFLECT. APPLY.
Are you ready to have an investment?
What are your goals for investing?
Have you made an effort on learning about the investment you’re planning to have?
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Chinkee Tan is a well known Filipino motivational speaker. He specializes in topics such as personal development, dealing with relationships within family, friends, work and other people and financial management techniques to name a few. He continues to inspire thousands of people through his books, free business seminars in the Philippines and being a motivational corporate speaker to different organizations.
Did you enjoy this article with him? You can also check out these other related posts about investments:
- 5 tips to make your money grow in 2015
- BAKIT KA MAG I-INVEST?
- ANO ANG ISA SA PINAKA MAGANDANG INVESTMENT?
Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.