Christian Klein C. Ramos

Ang totoong diversification sa portfolio mo ay dapat mayroong international stocks, hindi lamang domestic stocks.

Even if you have a rare fund that outperforms, the wealth distribution would be erratic and uneven.

⚠️ Scope and Limitations
The study analyzed a 10-year period from Dec. 31, 2014 - Dec. 31, 2024 with five equity categories: Large-Cap Core, Mid-Cap Core, Small-Cap Core, International, and Emerging Markets & four fixed income categories: General Government, General Investment Grade, High Yield, and Emerging Market Debt. Because of survivorship bias, the authors had to substitute future missing performance with the respective benchmark. It is also impossible to invest directly in indices so real-world fees would lower the index performance.

📕 Edwards, T. & Nelesen, J. (Dec. 9, 2025). Heroes in Haystacks: Index Comparisons for Active Portfolio Performance. S&P Global.

Hindi garantisado ang future performance mo kung pipili ka lang ng top-performing stocks sa portfolio mo. Past performance does not guarantee future results.

⚠️ Scope and Limitations
The study analyzed a 10-year period from Dec. 31, 2014 - Dec. 31, 2024 with five equity categories: Large-Cap Core, Mid-Cap Core, Small-Cap Core, International, and Emerging Markets & four fixed income categories: General Government, General Investment Grade, High Yield, and Emerging Market Debt. Because of survivorship bias, the authors had to substitute future missing performance with the respective benchmark. It is also impossible to invest directly in indices so real-world fees would lower the index performance.

📕 Edwards, T. & Nelesen, J. (Dec. 9, 2025). Heroes in Haystacks: Index Comparisons for Active Portfolio Performance. S&P Global.

Maraming nawawalang active funds in more than a decade. At least 99% of active portfolios contain one fund that eventually merged or liquidated.

⚠️ Scope and Limitations
The study analyzed a 10-year period from Dec. 31, 2014 - Dec. 31, 2024 with five equity categories: Large-Cap Core, Mid-Cap Core, Small-Cap Core, International, and Emerging Markets & four fixed income categories: General Government, General Investment Grade, High Yield, and Emerging Market Debt. Because of survivorship bias, the authors had to substitute future missing performance with the respective benchmark. It is also impossible to invest directly in indices so real-world fees would lower the index performance.

📕 Edwards, T. & Nelesen, J. (Dec. 9, 2025). Heroes in Haystacks: Index Comparisons for Active Portfolio Performance. S&P Global.

Kadalasan, actively managed funds underperform index funds for longer time horizons.

In fact, 96.9% of active funds underperformed the equivalent index funds in 10 years using a 60/40 split. We find out more here!

⚠️ Scope and Limitations
The study analyzed a 10-year period from Dec. 31, 2014 - Dec. 31, 2024 with five equity categories: Large-Cap Core, Mid-Cap Core, Small-Cap Core, International, and Emerging Markets & four fixed income categories: General Government, General Investment Grade, High Yield, and Emerging Market Debt. Because of survivorship bias, the authors had to substitute future missing performance with the respective benchmark. It is also impossible to invest directly in indices so real-world fees would lower the index performance.

📕 Edwards, T. & Nelesen, J. (Dec. 9, 2025). Heroes in Haystacks: Index Comparisons for Active Portfolio Performance. S&P Global.

🌍 Maganda ang globalization dahil naging konektado na tayo. Pero, tuloy-tuloy ba ito kung may laban sa AI?

We might be entering a new era of technology wars which increases uncertainty in the market. Na sa mindset niyo ba na tuloy pa rin ang pagtaas ng market kahit may laban sa AI? Competition o threat ba ito?

📃 Taylor, B. (Feb. 3, 2026). Five Financial Eras: How Financial Markets Transformed the World. CFA Institute.

✌️100 years of peace. Ito ay ang Free Trade era noong 1815-1914.

This was actually the best time to invest, but of course, war brings it to ruin! Obviously, alam naman natin na war makes the market go down, pero ano impresyon niyo tungkol sa Free Trade era?

📃 Taylor, B. (Feb. 3, 2026). Five Financial Eras: How Financial Markets Transformed the World. CFA Institute.

❗Ang history ng bonds nagmumula simula noong 1171 sa Venice. Hindi ito bago lang o na-imbento a century ago.

This was a chain of events that eventually lead to the emergence of modern bonds and stocks today. Bago ba itong concept sa inyo?

📃 Taylor, B. (Feb. 3, 2026). Five Financial Eras: How Financial Markets Transformed the World. CFA Institute.

Technology Wars