Episodes
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In this episode, we talked a little bit deeper into dividend investing and discuss some ways to determine if you are choosing an appropriate investment.
⏱ Timestamps
0:00 Preview
2:43 Intro Title
2:59 Greetings and Shoutout (Facebook Subscribers)
3:54 Disclaimer
4:17 Sources
4:43 Dividend Investing Definition
8:06 Panganib sa Dividend Investing
10:01 Dividend Trap
10:51 Extreme Dividend Yields More Than 50%
16:49 Dividend Yield Between 10% and 12%
17:49 Greetings and Shoutout (Youtube Subscribers)
18:26 Paano Maiiwasan ang Dividend Trap
29:59 Key Takeaways
33:19 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we discuss the concepts of risk tolerance and risk capacity in assessing the potential outcome of one's retirement fund. We discuss a case study of how a person's target retirement fund is feasible given factors influenced by risk tolerance, risk capacity and other related factors. We provide options on how these factors could be adjusted.
⏱ Timestamps
0:00 Preview
3:39 Disclaimer
4:09 Greetings and Shou outs
5:19 Introduction
8:54 Risk Tolerance vs Risk Capacity
13:58 Case Study
15:34 Current Investment Plan
20:18 Adjustment Options
21:53 Option 1: Reduce Desired Lifestyle
22:56 Option 2: Risk Capacity
24:32 Option 3: Save/Invest More
25:30 Option 4: Magretiro ng Mas Matanda
25:59 Option 5: Combination of the Different Options
28:05 Key Takeaways
30:26 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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Missing episodes?
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In part 2, we discuss the specific technicalities involved in determining whether a company is a viable provider of dividends. We also give you tips on what to look for and how exactly to analyze the information being provided.
⏱ Timestamps
0:00 Intro
1:28 Greetings and Shoutouts
2:34 Disclaimer
2:54 Key Takeaways from Part 1
6:32 How to Search Reliable Dividend Stocks
14:56 Assessing Coca-Cola Company (KO) as a Dividend Stock
19:55 Assessing Paychex, Inc. (PAYX) as a Dividend Stock
23:14 What if we Invested with PAYX 10 Years Ago?
26:40 Key Takeaways
27:28 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we compare the concept of dividend versus capital gain investing. In particular we compared GMA 7 and Jollibee to find out where investors can get better returns. Intrigued? Watch this episode!
⏱ Timestamps
0:00 Preview
4:52 Disclaimer
5:15 Greetings and Shout outs
6:15 Ano ang Dibidendo?
7:25 Maganda ba ang Dibidendo?
9:46 GMA 7 vs Jollibee Price Charts
13:35 Assumptions for the 15-Year Comparison
14:11 GMA 7 Performance
20:55 Jollibee Performance
22:37 Profitability Ratios
23:03 My Personal Opinion
26:22 Key Takeaways
29:43 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode, we discuss the concept of CAGR in greater detail. This is one of the means to know if the investment is a good investment or not. So how do we use CAGR to do that? Find out in this episode.
Please like, share and subscribe to our videos so we can serve more people.
⏱ Timestamps
0:00 Preview
2:47 Disclaimer
3:02 Greetings and Shout outs
4:25 Introduction
6:03 CARG Definition
9:14 CAGR Formula
10:11 Different Fund Price Histories with the Same CAGR
11:53 CAGR Computation Using the Computer Calculator
13:32 Ano ang Ibig Sabihin ng Compounding?
11:22 CAGR Application/Computation ng Iba't Ibang Funds ng GInvest
25:48 Key Takeaways
28:03 Final Thoughts
029:45 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we update you on the latest regarding our Retironaryo challenge - we provide you with actual figures of our participants and how their Gcash investments are tracking along -- how exciting is it to see what is "on the other side" of the retironaryo club. Curious? then watch this video now! please like, share and subscribe to our videos in order for us to serve more people.
⏱ Timestamps
0:00 Intro
1:27 Greetings and Shout outs
2:44 Disclaimer
3:10 What is this Challenge?
5:10 Mechanics of the Challenge
8:04 Prizes
9:13 Guarantees
10:20 CAGR and Target Profit Based on Past Performance
12:47 Mid-Year Result
18:20 Performances of the 3 Funds for the Past 6 Months
20:24 Detailed Performance Analysis of Our Own Personal GFunds Investment
23:40 Key Takeaways
28:18 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we react objectively to comments about investing in GCash and whether it is worthwhile to continue or better to pull out the funds. Find out what our verdict is! Please share and subscribe to our videos so that we can serve more people.
⏱ Timestamps
0:00 Intro
4:06 Greetings and Shout outs
5:09 Disclaimer
6:14 Review of Episode 31: Risky Mag Invest sa GInvest/GFunds?
11:05 Mechanics: Performance Comparison of the Different ATRAM Funds
14:33 Results: Performance Comparison of the Different ATRAM Funds
19:25 Graphical Representation of the Results
20:46 Potential Value in the Future of the Different Funds
24:18 Our Actual GCash/GFunds Invesment Portfolio
27:34 Key Takeaways
33:19 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we respond to the question "San Ko
Pwede i invest 12 Milyon?" What will you do? How do you know when your investment is in the right place? Well we did some investigation and offer some suggestions — you will be surprised at what we found. Watch na! Please also like subscribe and share our videos so we can serve more people
⏱ Timestamps
0:00 Intro
1:02 Greetings and shout outs
1:28 Disclaimer
2:33 "What would you do if you have 12M savings?"
3:00 General comments
6:48 Investment strategy
11:06 Fund Performance : Source
12:16 Price trends of NASDAQ100 and S&P500
13:18 Fund performance : CAGR
16:24 Possible strategies
17:40 UITF/Bond/MP2 strategy (10-Year Plan)
20:06 12M Projected potential returns after 10 Years of the different strategies
24:33 Summary
27:56 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we explore PERA otherwise known as Personal Equity and Retirement Account.
We give overview of its general features and how to tell if that would provide better gains. However, if you need more information about PERA get a more detailed advise from consultants.
⏱ Timestamps
0:00 Intro
3:33 Disclaimer
3:50 What is P.E.R.A.
5:32 Who is eligible to open a PERA
5:57 When am I allowed to withdraw my PERA contribution?
7:32 How much can I contribute to a PERA?
9:07 Who are the parties to a PERA aside from the "Contributor"?
10:53 Investment products available for PERA
12:46 Advantages of PERA
13:56 Advantage 1
15:53 Sino ang magbebenepisyo sa income tax credit?
17:58 Advantage 2
18:38 Do we get taxed when we invest in UITF?
19:56 Ano ang NAVPU?
21:21 May tax benefit bang makukuha sa PERA kung nag-invest ss UITF?
21:35 UITF investment return outside and inside PERA
27:23 Maganda nga bang mag-invest via PERA?
28:22 Recommendations
29:38 Greetings and shout outs
32:26 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we try To address the question of ‘is it wise to invest in US stocks when the Phil-US exchange is not good’ you will be surprised about what we found.
⏱ Timestamps
0:00 Intro
0:52 Announcement
2:16 Disclaimer
2:30 Applications/Websites Used for the Study
3:44 USD:PHP Forex History (31 Years)
7:38 Performance of PSEI vs USD:PHP
12:02 PSEI vs SPY (19.3 Years)
16:50 Cost Averaging with PSEI and SPY from 2004 to 2023
26:35 Last Messages
29:01 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode, we tackle a problem that was shared by a member of a Facebook group faced with a dilemma of how to invest her savings wisely. We read her situation and gave some possible solutions -- see how we used the retirement calculator to help predict these options for her retirement, please watch the video from start to finish. Do not skip!
Please like share and subscribe to us so that we can serve more people with our content.
⏱ Timestamps
0:00 Intro
1:23 Disclaimer
1:37 Case Study
6:29 Problem to Solve
7:34 No Passive Income for the Family if Bread Winner Dies
12:22 No Passive Income for Bread Winner at Retirement
14:44 SPY Exchange Traded Fund
15:34 Retirement Calculator - How Much to Save Monthly?
19:56 Retirement Calculator - Cost of Living (Lifestyle) at Retirement
21:59 Greetings and Shout Outs
22:56 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we talk about an overview on how to choose the right funds within COL Financial. We discuss what factors to consider, and an example of a CAGR analysis. So if you are interested to know more, please watch our video.
⏱ Timestamps
0:00 Intro
2:14 Disclaimer
2:26 Sources
3:37 Factors to Consider
4:34 Mutual Funds Available
5:35 Sorting Options
6:07 Equity Fund, Aggressive, Local
6:31 Equity Fund, Aggressive, Global
6:58 Paano Pumili
7:07 Fact Sheet Sample
9:43 CAGR Analysis and it's Limitations
11:06 Col Financial and Fact Sheet Data
11:23 Excel Spreadsheet to Compare CAGR
18:52 Shout out and Greetings
19:49 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
Podcast: https://feeds.captivate.fm/retironaryo/
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode, we continue to discuss pathways or options for people who wanted to go abroad - particularly in Australia, the common pathways are through working or student visa.
⏱ Timestamps
0:00 Intro
1:18 Disclaimer
1:36 Saan Kukuha ng Pera Para sa Application
5:31 Situation sa Australia
9:19 About Australia
11:22 Insight 1: Study Your Qualifications and How it Aligns to the Current Demands of the Market
13:31 Insight 2: Study the Specific Requirements of the VISA you are Applying for
14:27 VISA Pathways - Study
18:09 VISA Pathways - Work (Employer Sponsored VISAs)
19:07 VISA Pathways - Work General Skilled Migration
19:45 Timeline
23:15 Scenarios
24:25 Other Options
24:43 Key Take Away
28:15 Outro
📱 Socials
Facebook: https://www.facebook.com/retironaryo
Business Enquiries: [email protected]
👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!
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In this episode we discuss some insights about going abroad or overseas to either work as an OFW or potentially migrating for good. We talk about requirements and the first steps. This is a two-part episode so for those who are keen to leave the country for ‘greener pastures’ this episode is for you.
Please like and share our videos and subscribe to our channel so we can serve more people through our content
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Have you heard about a retirement calculator? Have you ever used one? Here in Retironaryo, we developed a unique tool to help you determine the following:
a. Investment plan calculator – to answer the question of how much money do you have to save or invest monthly
b. Current investment calculator – to answer the question on how much money do you have to have invested right now
c. Cost of living or lifestyle calculator – to determine what kind of lifestyle you can afford given the amount of money you have or can save
This tool also have a monitoring spreadsheet so you can keep track of your investment plan.
Our tool also has some bonuses: CAGR Calculator, present value/future value calculator and an ability to compute for the future value of repeating payment.
In this episode we also reviewed an extract of episode 9 where we had a case study on the use of the calculator.
This calculator is not available on any other platform or app, as this is uniquely developed /designed by Jarvis Laurilla. If you are interested in using this tool, reach out to us at [email protected] to get a copy for a very minimal fee (AU$5 or PhP200), to support our advocacy.
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In this episode we talk to a guest, June Baclaan who describes his experience as an OFW nurse in Singapore. He talked about a post he shared on Facebook through his personal page or blog entitled "DO NOT GO ABROAD" -- really sharing his sentiments about what it takes to be an OFW. Very enlightening moment with a KABAYAN so please tune in to this episode and share it to your friends and networks. Thank you to June also known as JUNIO BYAHERO please support his page, and please share his story to a lot of Filipinos who DO WANT to go abroad as OFWs. You will be inspired.
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In this episode we continue to review our RETIRONARYO journey by discussing highlights of Episodes 23 to 52. If you would like to watch any of these episodes, please feel free to back track and enjoy. Thank you to all our subscribers and supporters on FB and YT. Please like share and subscribe so we can serve more people.
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Happy birthday Retironaryo! We are one year old now, and to celebrate we are giving you PART 1 and PART 2 of our Balik-tanaw or year-end review of all the episodes we have done to date.
Episode 53 (this episode) reviews the beginnings of Retironaryo and the topics we have discussed up to Episode 22. We continue that in Episode 54.
This is going to be a jam-packed episode, so strap your seat belts and be ready for the ride! This is a good quick recap if you missed some of our very valuable episodes.
Please like, share and subscribe to our videos so that we can serve more people with our content. Thank you!
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In this episode we share one of our very own stock portfolio and share with you how it performed for one year. This is to demonstrate that we are really also on our very own journey towards retiring as millionaire. This case study is actually one of our kid's stocks. We are fully transparent in sharing with you one of our children's journey and how much we expect the funds to grow until retirement.
See our stocks in action -- please watch our video!
Like, share and subscribe to our channel so that we can serve more people.
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In this episode, we ask the question “What is one gift that you can give your children that is FREE?”
Is there such a thing? Of course! In Retironaryo, we advocate for financial literacy and we are urging parents to start helping their kids to a good financial start. Here we talk about how to start, what you can do, and we also project what happens if this process is set up now.
Intrigued? or need more convincing? Watch are video now.
Please like, share and subscribe to our videos we that we can serve more people.
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