Financial freedom seems to be a daunting goal especially for young professionals with average to high
income because as they say, “the more you earn, the more you’re challenged to adjust your lifestyle.”
Those who earn more tend to spend more thinking they have more money at their disposal.
With the continuing release of more expensive gadgets and devices, the famous concept of “you only
live once” or YOLO, the growing trend of traveling and the rise of more real estate properties, people
have more reasons to spend. Saving becomes a second priority and so is investing.
But, if there is a more reliable way to secure financial freedom, it’s thinking two steps ahead and listing
down financial goals – including things that one needs to sacrifice in order to grow their money. Regina
Online Investing (ROI) encourages young Filipinos to adopt the “Never Settle” mindset. This mindset
highlights the importance of always looking for opportunities to grow your money by not settling with
your paychecks or existing pool of bucks.
To do this, ROI lists down three surefire ways to get young Filipinos started on their road to financial
freedom.
Map out your investment objectives. Understanding and deciding on investment objectives is a crucial
stage. Each investor has unique investment objectives depending on their short and long term needs.
Why are you investing? Is it for a potential business expansion? Funding for your future child’s college
education? Retirement needs?
Think about your time horizon. “What is your time horizon?” is one of the most important questions
when you’re just about to invest. Time horizon is the length of time a sum of money is expected to be
invested. It is determined by how much money you’re willing to invest and for how long. The shorter
your horizon is, the lesser risk you’re willing to take.
Consider your risk appetite. Investing entails a variety of risks and your risk for appetite is determined
by the following: personal circumstances or your capacity for loss, investment goals, time frame, and
your personal attitude to risks. Some people take more risks knowing that they have even bigger need
for returns.
“It’s important to start investing as early as you can especially if you have disposable money which you
want to grow,” said Luis Limlingan, Head of Sales of Regina Capital.
Regina Online Investing (ROI) is a joint venture of stockbroker Regina Capital Development Corp. and
MFT Group of Companies. It is an online stock trading service launched in 2014 which seeks to empower
those with disposable income who are also willing to invest and create their own stock portfolios. “In
ROI, the options are tailored-fit to the specific needs of investors,” adds Mica Tan, President & CFO of
MFT Group of Companies, Inc.
ROI is one of the first to leverage on the user-friendly PSETradex platform, a web-based trading
management system which allows users to trade shares of stocks, monitor their order status, and create
and manage their own stock portfolio using either their computers or smartphones. It also boasts of
providing dedicated managers for every client and services even on a weekend.
For more information, visit www.roi.ph and facebook.com/reginacapital or follow @reginacap on
Twitter.
