Dear Petiks: how much is the monthly income in the stock market if I initially start at 5K?

Dear Petiks Pinay,

I just I want to ask if how much is the monthly estimated income in stock market if your initial start is 5k?

Thank you,

Melissa*

~~~

Dear Melissa,

You can start at any amount.

Ang mas mahalaga po ay kung kelan kayo mag-e-exit ūüôā

If you want to double your money in 5 years, ang minimum annual interest rate mo dapat ay 14.4% (ayon sa Rule of 72)

Saan ka makakakita ng 14.4% every year, more or less?

No investment guarantees that; even the stock market.

Ang sinasabi lang ng mga historical returns na the longer you stay in the market, the higher the chance your money will earn.

Why? Compounding interest.

Ibig sabihin, nag-iinvest ka regularly sa stock market, monthly kung pwede, tapos walang withdraw-an

yung dividends, hindi mo rin wini-withdraw — you reinvest it

Your 5,000 kung yun lang ang ilalagay mo ever, wait for 30 years magiging 87,247 yan at 10% compounding annual return

Pero kung nag-iinvest ka ng 500 every month for 30 years at 10% annual compounding interest, magkakaroon ka ng 1,039,646

Yes. Tama po ang nabasa niyo–a little more than 1 million!

And you just invested 500 a month.

30 yrs.

NO withdrawing

Ang tanong, hanggang 500 lang ba ang kaya mong i-invest every month?

So start with what you have.

Invest what you can.

Start now.

Your cheerer,

Petiks Pinay

*not her real name

Ang Dear Petiks ay isang segment sa blog site na ito na nagfi-feature ng mga true to life questions na patungkol sa personal finance or investing.

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P.S.1. Alam mo ba na pwedeng wala kang babayarang fees kung nag-invest ka for at least 5 years? Read here.

P.S.2. Nag-invest ako directly sa stock market, tuluy-tuloy for 3.5 years. Gusto mo ba malaman kung nakamagkano ako after? Read here.

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