My Grade 1 Allowance in the Stock Market 26 years later (Beginners Guide to Investing)
Channel: Hardware Sugar
Date: 2021-02-18

What if I had started investing in the stock market as early as grade 1 in 1995 with the equity fund of my choice and proceeded to place half of my allowance once a month for 9 months of the year? Most definitely I made a lot more than I ever would in a high interest savings account. It is important for students, beginners, and anyone of all ages to understand the upside of investing in the stock market as early as possible. It is true people can lose in the stock market but that usually only happens to people who take their money out too early or who panic or who invest in things which are unsafe. If however you invest money which you don’t need and which you don’t mind leaving for decades, then you will be rewarded heavily. 

I made this video so that I can give back to those who helped me get started and to help those who are apprehensive about investing for the first time. While it is better to start early, it is never too late to start. I do however advice that as we get older, it is wise to take on less riskier investments because we have less time we can use to wait for our situation to improve (in case the market plunges) and because we have more obligations to others and ourselves (personal health) as we get older. 

Philequity Fund did not in anyway endorse me. I have been an investor with them for some time and their website is very well designed because they show the historical Net asset value per shares (NAVPS) for all their funds thus this made it useful for demonstration in the video. Philequity has a good track record but you may want to consider FAMI with Metrobank as well or to conduct your own research on what equity fund meets your appetite for risk. 

If you are looking for a financial planner, you can check out my friend, who is a financial planner with Sunlife. You can reach her at reginegrace-t.recomite@philamlife.com.ph. She was not consulted on the production of this video however if our video has piqued your interest, you are welcome to ask us more in the comments section below and you can send Grace an E-mail. 

Q: What's up with the matrix fluctuation in the background?
A: I used the S21 Ultra to film and it was left on "always focus on the subject" mode which resulted in weird stuff. :) Always good to know!  

My Top Pick PH Investment Funds:
1. FAMI – Save and Learn Equity Fund
2. Philequity Fund
3. Philequity PSE Index Fund 

Allowance in Video 
1995 – 1997: P200 a month
1998 – 2000: P500 a month
2001 – 2004: P1,500 a month
2005: P3,000 a month
*amounts represent an allowance given only on schooldays (5 days) and which represent half of the allowance given to me in a month. 
*excluding April, May, and December (no allowance given to me during vacation) 

Valuations for this video were based on the NAV of Philequity Inc on February 10, 11 and 17 of 2021. 

Website for Simulation:
1. https://www.bloomberg.com/asia
2. http://philequity.net/ 
3. https://www.calculatorsoup.com/calculators/financial/compound-interest-calculator.php 
4. https://data.worldbank.org/indicator/FP.CPI.TOTL.ZG?locations=PH

Timeline:

00:00 - Intro
01:05 - Stock Market - Who can get into it? 
01:39 - Equity Fund - What is it?
03:18 - Allowance in Grade 1
03:45 - Experiment Parameters
04:03 - What you need for this experiment
06:05  - P200 in value today 
06:50 - 1995 Allowance Encoded 
08:22 - 1995 - 1997 Allowance Encoded
09:28 - 1995 - 2002 Allowance Encoded
10:06 - 1995 - 2005 Allowance Encoded
11:00 - Analysis of Experiment
12:00 - Bad Events in History affecting Simulation 
14:18 - Inflation - Did we beat it?

Episode 127x20x21 - Slow and steady investment -
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