INVESTING is it risky?

[nodols3]

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I just want to ask you guys about your opinion on investing.

Please don't hesitate to post your opinion.

thanks..

[raphy00]

Investing. Make sure you have knowledge about the business you want to invest with your money. That's all i can say. I preferably refer you to read books about investments to make you feel secured.

[rescyth]

Naa jd nay certain risk involve bsag professionally managed pa na pero it's part of the game if you want bigger returns.

[over[s]eer]

There are different kinds of investments, and all of them involve risks at different levels.

The ones with fixed returns are usually (not all the time) risk-free. (e.g. bank deposits)
The ones that are risky are usually the high-yield investments. (e.g. stocks)

Read about the topic more, there are a lot of investment-related blogs or sites in the net that could help you.

[crazyme82]

murag tanang investmnt naa dyud risk, bsag asa nga angle..

[borgyliciouzzz]

Any mode of investment entails risk and if successful reward but most of the times failure. I would suggest for you to double, triple check the business you will be venturing since it's very hard to do business these days especially the recent recession wherein everyone is affected.

What I can suggest is you could also consider the Franchising Business. If you want why don't you visit Philippine Franchise - Directory of Business Opportunities and Franchises in Philippines website for a complete list of franchises in the Philippines. There are plenty of franchises to choose from in Philippine Franchise directory.

[nodols3]

Thanks for response guys, I heard all these before. Proper know-how, education and etc.
What books and author can you recommend for the business minded people, so as to assess the amount of risk one will be undertaking?

ever heard of the 90/10 rule?? Applies to almost anything involve with business..

[raphy00]

You might want to try Robert Kiyosaki's books...

[hitch22]

Somebody once said that there's no such thing as risky investments, only risky individuals.

Anyway, I think the best investment you'll ever make...is in yourself. Invest in useful skills (although you have to define for yourself what "useful" means) and be very good (if not the best) at them. The economy can crash, the stock market can crash, property prices can crash, currency can devalue...but as long as you have skills that can add value to the marketplace, you'll always have a good safety net.

The stock market can be a very lucrative place if you're careful and not too greedy. If you're going to be a buy-and-hold type of investor, you should first ask yourself if you trust the Philippine stock market. You've heard of rigged prices before, like the case of BW Resources during Erap's time. People do get their fingers burnt. Likewise, people also get massive windfalls. You've probably heard also that local Equity Funds returned over 70% last year! In fact, the story was even much better from 2005 to 2007.

Based on experience, the Philippine stock market (and financial markets as well) is largely driven by the activities of foreign fund managers. Without these foreign money flooding into the system, you won't have much action. That's because less than 1% of Filipinos actually invest in stocks...although that's slowly changing. In other words, your fate in the stock market is tied to the caprice of foreign investors. Right now and in the foreseeable future, Europe and North America looks to have very dim prospects for growth because of their debt problems, unemployment, etc. Their misfortune, it seems, became our fortune. Money always goes where it could grow. However, as always, fortunes change. You'll never know when and how a crisis is going to hit us. It could start with the bursting of the so-called China Bubble. Who knows? You'll just have to know when to exit early enough...when people still want to get into our stock market. To use an analogy, the difficulty in selling in a downturn is that when somebody shouts "Fire!" inside a crowded movie house, the only way you can get out is if you can find someone who's brave enough to take your place.

These investments in paper assets are forms of side bets. Due to lack of long term data about the historical growth of the Philippine Stock Exchange index, it's hard to tell if you'd get an upward trending curve over a 10- or 20-year period. People mostly seem to play the stock market like a casino. But, in general, all financial consultants will tell you that stocks offer better long-term return than CDs, bonds, and savings accounts. The key is to start the program early...that is, of course, if you trust the market.

But if you have the determination, work ethic and the knack for business...and if you feel you can get better returns for your money by yourself...then you should start a business.

Recommended books? Any book that's written by either Peter Lynch and the late Benjamin Graham.

Good Luck!

[rescyth]

Thanks for response guys, I heard all these before. Proper know-how, education and etc.
What books and author can you recommend for the business minded people, so as to assess the amount of risk one will be undertaking?

ever heard of the 90/10 rule?? Applies to almost anything involve with business..

yes the great 90/10 rule but i have mine..."shit happens" plain and simple. Ug about sa books, can't really recommend specific books but just be careful that most business books are written by people with already deep pockets or know people who have one so it may not necessarily work for you or us who are classified as "micro". Naa lng koy e share lng na saying na I go by... " I'd rather live a lion for a day than a sheep for the rest of my life...coz sheeps get slaughtered" .

good luck bay~!