Thrive like an Eagle: Grow Financially

Investing doesn’t need to be complicated or difficult, but there are a few golden rules which may help you stay on track so hopefully you can meet your financial objectives.

Bear in mind though, that however disciplined you are, and whichever rules you follow, investing involves risk, and you may still get back less than you put in.

Here’s our 10 rules that every investor needs to know:

1. Set yourself goals
Knowing what your financial goals are and what sort of timeframe you are investing over may help you stick to your strategy. For example, if you have long-terms goals, perhaps saving for retirement which may be several decades away, you may be less tempted to dip into your investments before you stop work.

2. The bigger the potential returns, the higher the level of risk
The prospect of higher returns may be appealing, but there’s usually a greater risk of losing your money. Think carefully about your approach to risk. You may be more comfortable opting for less risky investments, even if returns are likely to be lower. Remember though, that no investment comes without risk, and there is always the chance you could get back less than you put in.

3. Don’t put all your eggs in one basket
We all know the saying ‘don’t put all your eggs in one basket’, but it’s particularly important to apply this rule when investing. Spreading your money across a range of different types of assets and geographical areas means you won’t be depending too heavily on one kind of investment or region. That means if one of them performs badly, hopefully some of your other investments might make up for these losses, although there are no guarantees.

4. Invest for the long-term
Investing should never be considered a ‘get rich quick’ scheme. You need to remain invested for at least five years, but preferably much longer to give your investments the best chance of providing the returns you’re hoping for. Even then you must be comfortable accepting the risk that you could get less than you put in. If your investment goals are short-term, for example, two or three years away, investing won’t be right for you, as you’ll need to keep your money readily accessible, usually in a savings account.

5. If it seems too good to be true, it usually will be
Beware highly speculative investments that seem too good to be true, and don’t follow the herd and invest just because other people are. For example, many investors piled into digital currency Bitcoin in the latter half of 2017 as its price surged, only to see its value halve in a month. In mid-December 2017, Bitcoin was trading at nearly $20,000, but it fell below $10,000 by mid-January 2018.

6. Never invest in anything you don’t understand
Before you put your money into any investment, take time to research it thoroughly, so you understand exactly what’s involved and what the risks are. If you’re investing in individual businesses, make sure you know what the company does and how it plans to make money in future.

7. Factor in charges
Charges will have an impact on your overall returns, so it’s important to take these into consideration when choosing your investments. This figure includes the fund’s Annual Management Charge, and also the other main ongoing costs that were deducted from the fund the previous year.

8. Reinvesting income can help boost overall returns
If you don’t need an income from your investments, you may want to consider reinvesting it to buy more of your investment which will potentially grow in value and boost your overall returns. In simple terms, your returns also earn returns, which is known as compounding. Bear in mind, however, that reinvesting income rather than taking it as cash means you could lose it or see its value fall.

9. Don’t try to time the market
In an ideal world, you’d be able to buy investments just before they increase in value and sell before they fall. However, no-one knows which way stock markets will move next, so trying to predict market ups and downs could mean that you end up buying or selling at just the wrong time. Buying and holding investments can help you remain committed to your investments for the long term, avoiding panic decisions when markets are volatile.

10. Review your portfolio
Although too much tinkering with your investments isn’t usually a good idea, that doesn’t mean you should just forget about them. Your investments will change in value over time which may mean your asset allocation – how you choose to split your money between different assets, such as shares, bonds, cash and property – moves out of line with your investment objectives. That means you may need to rebalance your portfolio from time to time to make sure you’re still on track to meet your goals.

Tips to Prepare for the Future!


It is essential for an individual to prepare not only for his/her present but also for the future. You need to prepare yourself well to face adverse situations with a smile.

Let us go through few tips to prepare for the future.

Be confident. Trust me; unless and until you believe in yourself, no one would trust you.

It is essential to upgrade your existing knowledge from time to time. Technologies change with time and it is necessary to keep oneself abreast with the latest developments in your respective fields. You need to know what is happening around you. Do not be under the wrong impression that you know everything. Remember, there is no end to learning. Try to find out what all new softwares or technologies would be in demand in the near future. In today’s world, you really do not have to burn a hole in your pocket to learn something new. Now a days, information is available at the click of a button. You just need to take out time to go through various sites which would acquaint you with the latest as well as upcoming developments in your respective domains. Would you like to work as a marketing executive all through your career? Obviously NO. Mere Educational Qualification and Degree do not help in today’s world of fierce competition. One needs to sharpen his/her existing skills not only to prepare for the future but also face all types of situations with confidence and determination.

BE OPEN TO FEEDBACKS FROM YOUR COLLEAGUES AND SUPERIORS.
Do not feel bad if your Boss scolds you or asks you to improve on certain areas. Remember, it is for your good only. An individual is successful only when he/she realizes his shortcomings and also works on the same. Do not feel ashamed if you do not know something. Never ignore your mistakes. An individual who has the courage of accepting his mistakes never fails in life.

BE OPEN TO CHALLENGES.
Do not be afraid to take risks in life. It is not always advisable to stay in your comfort zone. Sometimes you need to come out of it as well. If you come across a better opportunity, please do not hesitate to accept the challenge. And yes, better opportunity does not mean only monetary benefits but better profile, additional responsibilities and so on. It is essential to stick to an organization for at least two to three years but after that it becomes essential to switch. Stay alert and the moment you come across any exciting opportunity, do not hesitate to grab the same. Grabbing the right opportunity at the right time ensures a successful professional career.

READ A LOT.
Remember, knowledge acquired at any stage never goes waste.

MASTER THE SKILL OF TIME MANAGEMENT.
Learn to value time if you wish to be successful in the future. Misusing time will not let you survive in today’s competitive world.

LEARN TO RESPECT YOUR SUPERIORS OR MENTOR.
You may be the master in your respective field but if you do not know how to behave with your superiors, you would fail miserably in future.

METICULOUS PLANNING ALSO HELPS YOU ACHIEVE YOUR TARGETS WITHIN THE DESIRED TIME FRAME.
Always be ready with an alternate Plan in case your initial plan does not work.

DEVELOP A POSITIVE ATTITUDE.
Remember, it is your attitude which actually makes the difference. Leave the habit of cribbing and complaining if you wish to do well not only professionally but also personally.

LEARN TO WORK AS A TEAM PLAYER.
Gone are the days when individuals used to work in isolation. Now a days, nothing can be achieved if you do not know how to work as a team.

If you are thinking about getting into investment, you are likely unsure of how to start and what you should be investing in

The world of investment can be very intimidating for the first-timer. In fact, it can often be confusing for those who are experienced. The following are Tips that will help you get started in the world of investment.

1. SET INVESTMENT GOALS
Now it is time to decide what you want to get out of investing. Obviously, your ultimate goal is to make money, but everyone’s needs are different. Things to consider include income, capital appreciation, and safety of capital. Also, consider your age, your personal circumstances, and your financial position.

2. INVEST EARLY
The earlier you start investing, the better. For one thing, the sooner you start, the less money you will need every year to achieve your investing goals. Your earnings will compound over time, so don’t be afraid to start investing, even if you are a college student- or better yet, in your last year of high school.

3. MAKE INVESTMENTS AUTOMATIC
Set aside a certain amount of money to be automatically invested each month. You can set up automatic investment plans through various brokerage service firms and automated investment services. By doing this, you will avoid stalling and consistently invest.

4. LOOK AT YOUR FINANCES
Before you can begin investing, you need to look at how much money you have to invest. Be realistic about it. Make sure that you leave yourself with enough money to pay for your regular monthly bills, loan payments, etc. You don’t need a lot of money to get started with investing- but there are risks. You don’t want to leave yourself short of paying other important bills.

5. LEARN ABOUT INVESTING
Once you have your finances in order, it is time to start learning about investing. Study basic terminology, so you know how to make coherent decisions. Learn about stocks, bonds, mutual funds and certificates of deposits. Don’t forget about other details that include diversification, portfolio optimization and market efficiency.

6. SET UP RETIREMENT ACCOUNTS
There are many tax advantages to having retirement accounts. In some cases, initial investments are tax-deductible, such as IRA’s and Others require you to pay taxes up front, but not when you withdraw funds during retirement; these include Roth IRA’s (Individual Retirement Arrangement). Also, make sure to find out if your employer matches personal retirement contributions.

7. BE WARY SCAMMER
Scammer will try to talk you into buying investments that give them high commissions. Don’t do this without some serious research. Some so-called scam are well known for selling products that pay them big commissions, but don’t pay much to their buyers.

8. DIVERSIFY YOUR INVESTMENTS
The market fluctuates constantly, and things always go up and down. To avoid losing too much money when stocks go down, make sure you have a diversified portfolio. That way, you will have some stocks that are rising, even when others are falling. Another option is to invest in overseas markets since they are notably different from the ones in the United States.

9. STUDY YOUR PORTFOLIO
It is important that you always study your portfolio. What is right for your portfolio today, may not be the best for it tomorrow. It is important to know what you have, and where you might need to make changes in the future. When the economic climate shifts, be prepared to make investment changes as well.

10. KEEP INFORMED
It is a good idea to always study the markets. Read up on the things you have invested in, and look for resources that keep up with market trends, as well as the global economy.

Managing your personal finances and building a savings is all about the big picture and simply staying motivated. Keep these quotes in mind to continually inspire your success.

Two of my favorite words are “big picture.” Simple, easy to remember, and helps bring clarity to my life on a daily basis.

Yes, learning something new at work is a challenge but more often than not this new skill or knowledge will simplify the process while saving time.

Yes, that car is more expensive to purchase but that model has the highest safety ratings with along with stellar maintenance reviews..

And yes, I would love chocolate for breakfast but most likely a little protein will carry me through the morning until lunch without the sugar crash.

Big picture.

If you find yourself struggling for savings inspiration, we’ve collected some of our favorite quotes to help you “keep your eyes on the prize.” Whether you keep a post-it note on the fridge, keep a picture in your daily planner, or go all out with a visualization board, the right quote can help refocus your immediate and long-term financial goals.

I used to worry about the future all the time.

I’m a goal-setter and an achiever, and one of my biggest fears has always been that I will somehow miss the plans God has for me.

I’ve worried about where I am in life, how I’m spending my time, and what I’m focusing on.

I wondered how experiences, goals, and decisions fit in to my future, and I found myself questioning:
“Is this where I’m supposed to be?”
“How do I decide if this is what God has for our family?”

Have you ever felt that same way? Do you ever worry that the circumstances of the life you’re living right now might be a wasted?

All of those years, I put so much pressure on myself, fearing that if I didn’t do x, y, or z, I would be unprepared for the calling God has on my life.

The reality is, I never knew what the future held, but I worried that because I didn’t know, I’d never be prepared! The question haunting my soul was this — How can I prepare for an unknown future?

In all of those moments of worry and doubt, the words of my wise and godly grandpa would come flooding back to my mind:

“The best way to prepare for the future is to do your best where you are right now”.

We may not know what the future holds, but we serve a God who does.

We are called to be faithful in the little, with the little, for the little, right now, and trust God with the rest.

We are where we are, when we are for a reason. God has placed us here, now!

So when anxiety begins to rise, take captive every thought and fight against the feelings of worry. Instead of being led by fear, cling to the truth and the promises of Scripture.

When we wonder about our futures, we can take comfort in the fact that

“all the days ordained for me were written in [His] book before one of them came to be” (Psalm 139:16).

and His plans for us are plans to prosper us and not to harm us, plans to give us a hope and a future (Jeremiah 29:11).

We must consciously reflect on the truth that

“in all things, God works for the good of those who love Him, who have been called according to His purpose” (Romans 8:28).

𝐆𝐫𝐞𝐚𝐭𝐞𝐬𝐭 𝐧𝐞𝐰𝐬 𝐄𝐯𝐞𝐫!!!!
𝐁𝐞 𝐀 𝐒𝐡𝐚𝐫𝐞𝐡𝐨𝐥𝐝𝐞𝐫 𝐨𝐟 𝐓𝐡𝐞𝐬𝐞 𝐂𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬 !!!

Investing now when the Market is going up is like buying stocks with a really good opportunity to grow your money 😱
Investing kasi has 2 types.

Direct and Indirect.
Direct investment is when ikaw yung bumibili mismo ng stocks from companies. Ikaw ung mismo mag seset up ng acct mo, mag mmonitor ng stock market almost everyday.

Indirect investment naman, meron tayong tinatawag na Fund Manager. Siya ang gumagawa and nag aasikaso ng lahat. Siya na din nag ddecide saang best industry ilalagay ang pera mo para mag grow siya.

I use the Indirect investment, ibig sabihin meron ng mag mamanage ng money niyo and hindi mo na need mag monitor everyday.

If you want to know more about Indirect stocks, please send me a message! 🙏🏾

Where are investing in?