How much do I need to invest in the Stock Market?

During a gathering, my friends and I are talking about sports then suddenly one friend approached and asked me in a very low voice…

Friend: I heard you are into investing. How much do I need to invest in the Stock Market?

ME: P 5, 000 (Five Thousand Pesos) smiling: D
Friend: how much do I need so I can invest in the Stock Market?
ME: P 5, 000 (Five Thousand Pesos)
Friend: really? Now in shock and suddenly amazed

I told my friend that it only takes P 5,000 to open a stock market account with COL Financial. He just needs to enroll and he is in.
Screen Shot 2014-10-09 at 3.40.29 PMI saw his face dumbfounded and I knew I needed to explain more to him the importance of investing. So I explained on how it works and showed him part of my COL portfolio. (Pls see photo below:)

Screen Shot 2014-10-09 at 3.08.30 PM

He asked me how I managed to get the following:

26.56% growth on MEG
15.32% growth on SMPH
I also explained to him why I have -4.93% on my SMC.


My friend is still in shock, surprised and got very excited but he suddenly said…

“If I only knew that years ago…now I don’t have money. I just bought a new basketball shoes and had already spent my savings.”

I’m curious and asked him other questions.

ME: So when do you plan to start investing?

Friend: I can’t start yet; Maybe… I will only be able do so once I settle all my loans first…

I tapped my friend at the back, smiled and said:
How hard is it for you to earn P5,000?

If you think it’s hard then let’s see what can you buy with P5,000.
P5,000 = You can already open an account with COL Financial and start investing
P5,500 = You can also buy a 2nd hand Jordan 5 Wolf Grey Sz. 10.5

(photos are from

Screen Shot 2014-10-09 at 3.28.52 PM

For P5,500, You can also buy a brand new GSHOCK watch
Screen Shot 2014-10-09 at 3.28.34 PM

For P5,000, You can also buy a brand new Michael Kors bag
Screen Shot 2014-10-09 at 3.41.52 PM

Now the only question is,What is your priority?
Invest so you can multiply your money and plan for the future… or Instant gratification?

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Nolan Lazaro
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  • Carlo Chan
    Posted at 15:40h, 29 November Reply

    Just read some of your nice articles and they are very relatable stories esp. for us OFW, and now I have decided to go back home next year for good and I want to invest my money in Mutual funds and Stock market but I have no idea on how to do it or where to start…I learned that I can do it online and since I’ll be staying in the province will it be possible for me to invest in stocks and do it online and I don’t need to be physically in Manila or any other offices for applications etc…hope you can enlighten me with this matter.Salamat!

    • nolanray
      Posted at 14:42h, 01 December Reply

      Hi Carlo!
      Congratulations because you taken this step to research and able to read this blog. It just shows that you are really determined to succeed and you are successful already by just taking a move.
      By the way, I may need to ask you several questions so that I can answer your inquiry completely. Okay?

      Are you planning to invest directly in the stock market and open another investments in MF or you also considering UITF?
      Do you have time to monitor your investment atleast 2 times a month?
      You are from which province?

      Here are also some of the articles that i wrote about MF and UITF
      Comment back so I can reply back to you with answers

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