📈 What I Invest in as a 20-year-old College Student in the Philippines (and why I invest in them) 🤔
ฝัง
- เผยแพร่เมื่อ 11 มิ.ย. 2024
- Let's talk about what I invest in as a 20-Year-Old College Student in the Philippines and my reasons for investing in them. I get a lot of questions asking me about what's in my portfolio, so here's a video that talks about that 😁
In this video, I'll be going over my different investments, which is subdivided into five categories. Just for context, I've been investing for about two years at this point. My portfolio isn't perfect, so I'll still need to rebalance it. Currently, 30% of my portfolio is allocated towards cash and 70% is allocated towards investments.
Before diving into my actual investments, I'll first discuss a couple of key concepts or mental frameworks that I want you guys to remember when making your own investment decisions: (1) Risk Appetite, (2) Compound Interest, (3) Consistency, and (4) Earning Power.
➜ Woke Salaryman Article on Earning Power: thewokesalaryman.com/2020/01/...
📌 I have a couple of investments, which I divided into five subcategories. I'll further explain what they are and my reasons for investing in them during the video.
1️⃣ Agriculture
➜ FarmOn community.farmon.ph/
➜ Cropital www.cropital.com/
2️⃣ Stocks/UITF
First Metro Sec Exchange Traded Fund (FMETF), Philequity PSE Index Fund (XPEIF), BDO Equity Index Fund (BDO-EIF), ATRAM Alpha Opportunity Fund (ALPHAOP)
➜ EASY GUIDE TO INVESTING IN MUTUAL FUNDS: • EASY GUIDE TO INVESTIN...
3️⃣ Pag-IBIG MP2
➜ How to Invest in Pag-IBIG MP2: • How to Invest in Pag-I...
4️⃣ Cryptocurrency
I hold Bitcoin (BTC), Ethereum (ETH), Paxos Standard (PAX), USD Coin (USDC), Chainlink (LINK), Cardano (ADA), and Tezos (XTZ)
➜ Why I Invest in Crypto: • Why I Invest in Crypto...
➜ How to Buy Crypto 2020: • How to Buy Crypto 2020...
5️⃣ Others
FundKo and SeedIn
➜ SeedIn: bit.ly/seedinsignup
➜ Enjoy your free money 💰⬇️
🏦 Banks & E-Wallets
- Unionbank PlayEveryday: Use “UBNOW-NA0920016” to get 300 PlayPoints
- Tonik: Get ₱60 with “T42BHJL” when you sign-up, verify, and top-up
- GCash: Get ₱50 bit.ly/2ZyrLWy - sign-up, verify, and cash-in to
- PayMaya: Get Php100 when you use “2Y817PZMN84O” or sign up and verify at bit.ly/2ZzVjTs
🚀 Crypto Platforms
- Crypto.com: Get $25 in CRO when you sign-up at crypto.com/app/nicolealba or use my code "nicolealba" 😁
- BlockFi: Get $10 in Bitcoin when you sign-up at bit.ly/3jWct5a and deposit at least $100
- Celsius: Get $50 in Bitcoin when you sign-up at bit.ly/30luMcO or use code “119827e588” and deposit at least $400
- Binance: Sign-up and get 10% discount on fees bit.ly/Nicole-Binance or use code "YBY3MNM9"
- PDAX: Use “nicole” to get ₱30 when you deposit a minimum of ₱1,000
💵 More Cash
- GoTrade: Use invite code “157655” to Invest in US Stocks and ETFs for as low as $1
- ShopBack: Get ₱100 at bit.ly/nicoleshopback
✅WHAT TO WATCH NEXT
➜ 🤑 Best High Interest Savings Account Philippines: • 🤑 Best High Interest S...
➜ How I Manage My Finances in My 20's: • How I Manage My Financ...
➜ 📈 What I Invest in as a 20-year-old College Student: • 📈 What I Invest in as ...
➜ What to do with (your future) ₱100,000: • What to do with (your ...
➜ Why I Invest in Crypto: • Why I Invest in Crypto...
➜ Personal Finance 101: • 🤑 Personal Finance 101
💳 Apply for Citibank Credit Cards
Simplicity+: bit.ly/3jWv6FQ
Cash Back: bit.ly/3mMmFyH
Rewards: bit.ly/3mNSB5J
🍞Join our Discord Server: / discord
🍞 Get BreadFam Merch: bit.ly/shopbreadfam
👍 Facebook Page: / alba.nicoleee
☕ Buy me a coffee: ko-fi.com/albanicoleee
🚀Subcount: 4,770
🕰TIMESTAMPS:
00:00 Intro
02:48 Investing Key Concepts/Mental Frameworks
06:50 My Investments and Why I'm Investing in Them
Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 20-year-old.
DISCLAIMER:
This post contains affiliate links. I may or may not receive a commission when you use any of my links above. This video is for educational and entertainment purposes only. The information presented in the video should not be taken as financial advice. Invest at your own risk.
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What I Invest in as a 20-year-old College Student in the Philippines (and why I invest in them)
what should i invest in 2020 / what to know before investing / investing advice for college students / how to invest in your 20s / how i invest my money / how to invest as a college student / how to invest as a student / my investments at 20
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Wow , I really love to see young people take some financial decisions, I invest in stocks, Real estate, index fund and mutual fund, I love portfolio diversification.
Wow really a nice portfolio!
That’s a well diversified portfolio! How do you manage all this ?
I trade on forex and stocks. Hope to reach there someday.
Can you mentor me please
Jenny Jin can he do same for me? If yes , how do I contact him ?
I love it when you said “action is always the most important thing. No matter how much you read or watch content, application of what you’ve learned is always important. And that’s how you make progress”. This is so on point!
Ok, you got me hooked. I like your style of explaining. Very easy to follow and very relatable. It's interesting for me to learn about these alternative investments because I also am not really interested in trading. And seeing young people like yourself aiming for financial freedom is very inspiring. You got yourself a new subscriber here. 😊
Im 20 yrs old and a marine transportation student. I am really interested into investments ,unfortunately i need to get some goodie capital first so im tryin to save. It’s really good to see you in here sir gives me urge to pursue haha seafarers really do need this i guess.
Agree
Nice chief, still investing that’s should all seafarers do. Mostly don’t invest sad reality.
Agree
@@reyn5397 Mrs Jane is legit and her method works like magic I keep on earning every single week with her new strategy
Sino makabasa nito ay magkakaroon ng maraming blessing.Amen
👍👍👍
Eto yung mga taong may potential na maging tycoon. Sana all
Thank you po sa vid! Very informative 🥰
I really admire you and your videos. Im 28 yrs old but it only proves that age is bs. 😂 im learning a lot from you. Keep it up! ☺
Age is definitely just a number! Glad you're learning a lot from my videos, Irene. More videos to come 😄❤🍞
I am 21 yrs old, and I'm currently literally broke. Thank you for opening my eyes about finances.
Same. Let's do our fucking best
so proud of u that you realized early!
LUCKY I FOUND YOUR YT CHANNEL! I AM ALSO AIMING FOR FINANCIAL FREEDOM BECAUSE I DONT WANT TO WORK FOREVER TIL I DIE. I WANT TO RETIRE AT EARLY AGE TO ENJOY LIFE 🥰
Yes compound interest! So powerful. Love that you are so financially sound at such a young age!!!! Love it.
Compound interest is the magic sauce 🤑 Thanks for taking the time to watch my video 😄❤🍞
i love it when i browse for expensive stuff while watching videos like this. its like outside forces are saying "what are you doing, man?"
Stonks move right there HAHAHA 😆❤🍞
Nice to see a younger face in the game! Me being 23, you are much more relatable than all the older finance content creators. Your production quality is great and I get a good laugh out of the well timed face distortions. Hopefully you can continue to inspire your followers and keep hustling 😁 ✌️
im so glad that i found this im 17 gonna start when i turn 18 nesXt year
This pandemic opened a financial enlightenment to me. I'm 28 and I'm learning so much from your videos. Thanks Nicole for sharing your knowledge :D I can't stop watching your videos! God bless you!
I've read and watched a lot of financial know-hows but I never thought a way younger person talking abt financial goals and how to manage your finances would inspire me this much - from an old tita
Hi Nicole, I am 23 yrs old and I am glad that I am able to learn things from you. Keep it up!
You have time on your side. I wish I should have invested as early as 10. :D
You can do it today.
as a capricorn, i wish i invested as early as coming out of the womb
@@daniellejulia3342 Anong connect ng pagiging capricorn tho
@@DarrelTV143 they’re the zodiac sign that’s really good with work and money :)
@@daniellejulia3342 that's cute but a pretty niche reason
I don't personally know you but ... am just... really genuinely proud of you for being such an inspiration to young and not-so-young adults alike. Go get them all breads!!! 💖
Great content!
I love the idea that you don't necessarily need to be a financial advisor or professional to learn these things. Financial literacy is a must for everyone...
Stay woke!!!
Definitely one of the best TH-cam Algorithms I have ever stumbled upon on! I am on my 5th video. Your videos are full of dynamics which make me not to stop watching! Very informative. This is not a paid comment or whatever by the way. More power!
I'm glad I found someone who is in the same age and same financial goal 😍 Continue educating and encouraging others hihi
I am now 21 turning 22 this. I keep on reflecting to myself what's the best to do at this time of my life and at this age. And i guess, this is a sign for me to take an action. Thank you very much for having a content like this. It inspires a lot of of people nowadays thinking about financial literacy and stability in the future. Godbless ☺️
Thank you for such a great content! The fun editing makes it less overwhelming learning about investments. Your diligence on these videos says a lot on you would be when you ‘really’ handle finances. I’ve learned more than I researched for.
WOW. THIS VID JUST POP OUT ON MY FEED AND I JUST WANT TO WATCH ALL YOUR VIDEOS TO LEARN MORE. SUPER HELPFUL. THANK YOU!! ❤️
Grabeee I thought I was young para sa mga ganito, 1 year lang age gap natin pero anlayo na ng nararating mo te sana ol
I’m also a 20 years old, i’m so happy that I stumbled across your video!
Im so glad I bumped into your channel nicole🥺. Its like an eye opener for me to handle my finances, and be financially literate. Im currently taking small actions towards it, and hopefully start with small investments soon. Like the moment I come into terms with my spending habits, I was hella shook.😂🙈
Bread fam is growing fast!💕
Super glad that you're starting to take small steps! Small progress is better than no progress, so keep going Chaniie! 😄❤🍞
I'm currently 17 years old and I just found your vids by chance now I'm freakin' watching all your vids T^T I'm so happy, thank you so much for your vids. Maybe this is a sign for me to build my own future >~
Found a gem!! Tagal na akong nahahanap ng payo since I got my first job. Definitely needed this. Subscribed kaagad!!!
I’m binge watching your vids, it is so informative and fun to watch. Thank youuu so much ❤️
BINGEWATCH CREW LEZGAW! Haha glad you're learning a lot. Thanks for watching Rejina 😄❤🍞
Holly crap!! How are u a 20 years old? Your so much knowledgeable and u speak the language of money more than a 20years old OLD in the business 🤗🤗 impressive! Sending u a mind blown 🤯 reaction from Hong Kong!
shes making me realize that me a 19 yr old girl has a loong way to go and need to do some work to improve my knowledge in these stuffs and life itself ㅠㅠ
Sobrang expressive ng face mo kahit anong gawin. Mapa smile o wacky. Ang ganda pa rin lakas makahatak😍
Hi Nicole! Just a quick question since I'm planning to raise capital for Cropital investment. The minimum amount of investment is P5000 right? Is there a chance that I'd lose than 5,000 php in one go in the event that the farmer didn't pay up? Do you have any experience/s regarding this?
Any reply would be highly appreciated! Thank you :)
It's D Dream. Its D Goal. Got me hooked!
NICOLE CAN I JUST SAY HOW MUCH I LOVE YOU AND YOUR CONTENT. I have been trying to get myself into investment since I have graduated. However, everything looks complicated to me, but you have this certain way of explaining things in a clear and concise manner! Always looking forward to your content. More power and let's get this bread!!!!
Super appreciate you! I know that you've been one of my viewers since the start hehe ❤ I'm glad that my videos help you understand investments and finance stuff a bit better 😄🍞
I don't know how I got here but after watching one of your videos and saving the other offline, I was pushed to invest as early as possible. Plus, you're so cute and naturally funny. God Bless you and your fam!
Woah. This is actually good! I love how objective this video is. Really practical. Thanks Nicole :)
Long way to go girl! great decision to start investing while you're still young (thumbs up!). discipline is the key and never stop learning :)
Definitely a long way to go! Starting early to take advantage of compound interest 😆 Thanks Angelita! 😄❤🍞
IM amaze when I was 20 I was just saving money to buy a cellphone, your beyond your years...
Wow wow.. Thanks to TH-cam for recommending you! ❤️ Three videos down.. More to go. Very very informative and clear explaination. Keep it up! Looking forward for future videos
YT algorithm works and I’m very glad about it! Your video is super informative and entertaining at the same time. Been thinking alot on how to invest but dont know how, maybe this is the sign to go for it and study more about it through your videos! Thank you 😊😍
i love thiss ill start investing when i fully understand it and when i turn 18 (next year )
Hi Nicole! Thank you to that friend who shared one of your videos on crypto. This felt like women empowerment to me. Like there's really a small percentage of women involved in investing/financial literacy stuff. So kudos! Please continue sharing and more power! :D Go go go!
Thanks for feedback write me up for more details on *wht*
+ = 1 = (=7 = 2 = 4 = ) = 6 = 1 = 7 - 2 = 0 = 6 = 1
Last year, your video randomly appeared in my yt feed and I was curious about your content. May times na okay din mag recommend si TH-cam. Grabe, akala ko late na ko for my age to invest or to learn more about money/finance. 25 na ko pero sabaw pa din sa financials and goals. Thank you for inspiring us na it is never too late to start dahil iba-iba tayo ng panahon at buhay. Keep it up!
Love the mindset! You're way beyond as compared to most adults! 👍👍
you know you're a fan when you already liked the video before even watching it :0
NAKS HAHA thanks for your thumbs raiza 👁👄👁👍
I've shared your channel to my young friends and young at hearts to educate in handling their hard earn money, so as I, and let money work for us. Always keep educating people and more humors. Hehe
I just followed your YT channel, which at first was just passing by as I randomly scrolled through YT about investments. Thank you for inspiring me to start investing in Pag-ibig MP2. With people like me who purchase stuffs impulsively, I think MP2 will forcefully discipline me about overspending. I am a regular employee, one of the reasons for impulsive buying. And yeah, you're right, action is the most essential part. Thanks Nicole. Continue inspiring.
one of my fave vloggers! Browsing your video is like reading a good book! I have benefited a lot! Thank you for your hard work!🥰 Your channel is great. I'll never get used to saying it is worthy of a million likes! Fully watched! 🎯💝
As a 19 years old college student who wants to be financially independent, this video helps me a lot and easy to understand!. Bakit ngayon lang to nirecommend ni youtube. grrr
Binge watching your vids! Memes overload hahah love it!
👁👅👁
You are such a blessing to many! Keep making more videos like this :)
so insightful.. why didn't I discovered this channel sooner???? damn you algorithm!!!
Nice to see someone with similar mindset. Also, nice to see you arrange your finances based on your needs and time availability.
Not a believer that everyone should invest, but we should at least learn about it.
Cheers from Singapore/Malaysia!
6th investment - time on youtube.
-well played ate.
I started MP2 this year after watching 3 mp2 videos including yours, so thank you!.
I can watch you all day. I hope we’re friends, idk but the way you talk and explain is so charismatic 😄 Great video! ❣️
Not skipping on ads. Missed the premier but I aint missing this video. 🍞
Thanks Mica! Not skipping ads helps big time 😄❤🍞
I just made my own spreadsheet ❤️ kilig ako. thanks to your guide. ☺️. Also, can I ask what brand is your otg wallet?
No brand! It's just a wallet na I bought during one of my family trips 😄 I made a video where I talk about my wallet here: th-cam.com/video/_NE47aoYSDA/w-d-xo.html
Idol 😍 I learned a lot from watching your videos. Thanks for sharing your own experiences and refreshing honesty about financing.
I just got this on my YT recommendation. Thanks for sharing. I think this will be the sign for me to invest for the future.
Great video :) , I dont see why there are people who disliked the vid. Im new to your channel and I just love your videos. They're very catchy to all youngsters and millennials who would love to know about investments. I think bec of your memes Lol
Well, we can't please everyone 😅 But thanks for sharing! I appreciate your feedback and support. Glad you're enjoying my videos, especially the memes HAHAH 😄❤🍞
Money needs to be spent carefully, for me choose investing my money properly rather than spending like a fool.
To get rich in life, you need to spend less and Invest more. You don't expect to spend 90%, invest 10% and sit to make more wealth.
@Juneau Kaltumah Exactly
The rich sees every economic crisis as the perfect time to start up an investment, and I believe this would be a good time to start up an investment.
I just sold my stocks, looking for a reliable broker to invest
Crypto has been more lucrative than the stock market, just made my profit wish I knew about this earlier.
Thank you. This is very informative finally nakarelate na din ako sa discussions namin sa financial markets haha. Accountancy student here and we are also encouraged to do some investments as early as now. Thank you so much. Gotta watch some of your videos too.
So happy to see you investing on Agri! 💛💛💛
I MISS THE PREMIERE AGAIN Ano bayan!! I think i'm gonna save this as my bookmark this is super helpful!! Lets go bread fam!! 🍞🍞
Okay lang yan HAHAH maybe next time makakaabot ka na sa premiere 😉 EarlyBreadFam WOOT 🍞🍞🍞
I'm glad that i found this at age of 17 so have time to study or do some research
👍👍👍
I highly recommend watching her videos 💯. I’ve watched a lot of videos about financial. Your videos are easy to understand. Life saver 👌🏼. Kudos
ganda ng concept ng vlog mo!!!!!! grabe thank you for your existence!!!!!
just thankful that i discovered this channel before i even turn 20. hope u become huge real soooooon.
Awesome that you're starting young! Thanks for all your support yo hehe 😄❤🍞🚀
thanks for this!!! just entered adulthood lol and realized i can't splurge as much as i want too >__< these vids are really helpful! subbed
Welcome to adulting HAHAHA 🥳 Thanks for taking the time to watch my videos! Really glad you find them helpful 😄❤🍞
Deserve mo ng mas maraming viewers at subscribers sana mas marami pang ma educate na kabataan sa mga content mo. Keep it up!
Wow. So much to learn from your experiences. Super thank you for your vlog.
this is the vlog with the BEST set of memes so far (for me) HAHAHAH 🤣🤣🤣
HAHAH right balance of meme and finance? 😄🤙 Thanks for watching 😁❤🍞
Idrk what are those terms you're spitting out. But hey! you motivate me to know more about those. Godspeed👌
3rd videos of you I've already watched and this is the best channel for me.
I admire the honesty. REALLY. Most financial etc videos will promote whatever without emphasizing the risks.
You’re very pretty and smart 😍
The first time I watched her videos I was attracted by the way she speaks like yeah that's my vibe. I'll recommend her videos to my friends because I literally gain knowledge about fimancial investments. Also, it's not boring because of her memes. Haha I like contents like these.
how do you educate yourself in finance and economics while youre in polsci?
I just turned 18 and I hope I could start investing as soon as possible, like you. I’m learning a lot from your videos and also from the r/phinvest subreddit. I have everything ready and planned out, except for the capital and EF HAHAHAHAHAHA. Hoping this Christmas season would bring a lot of cash in 🤑
Luckily I've found your channel. I liked your style of explaining and i learned a lot from it 💞 more informative videos to come po hehe anyways I'm now 19. Your video encourage me to invest and on how to properly use money hehe thank youu 🥺💞
Wish I started earlier huehue anyway great memes and smart content! You got a sub :)
Thanks for watching Ronin! It's never too late to start 🔥 Glad you enjoy the memes HAHAH 😄❤🍞
Just turned 13,I'm putting money and study on my priority,not these onlinegames/relationship bs.
it's fine as a software engineer graduate im into gaming, when i was in college i was playing a lot, even a lot more than these days imo.. but the important thing is know your priorities, give as much effort as you can planning the course of your life, if you have a dream job go for it, if not understand the trends in your country and see if something fits you.. games and relationship can be balance with studies as long as you know your priorities, if your partner is not satisfied, try to make her understand, if she's not satisfied then imo it's not worth it to sacrifice your studies for momentarily satisfaction, you both mature into an outstanding adult if your partner knows what's also important to both of you
@@JB-wl5sf I was addicted to gaming I just quit recently that's why I said that.
Im so glad to find you! Taking notes 📝
So aliw to watch your vids haha. It’s one of a hidden gem channel here in TH-cam. Subscribed already! 😇
I'm also 20 but still don't know what to do with my life 😭
Well it's normal, I m 21yrs.old pero di ko alam kung anong buhay tinatahak ko. Keep your heads up, learn new things everyday.
Pwede po bang mag invest ng feelings sayo???? Ayeeeeee.... 😅😅😅😅😅🤭🤭😎😎 Cool content as always!!
Thanks HAHAHA 👁👅👁
AHHAHAAHA
Happy to come across your channel. I'm 23 and definitely learning from you 🤣♥️
THANK YOU SO MUCH FOR YOUR VIDS!!!! I'm also a 20 year old student, and I have a personal savings kept at home, but now i'm finally keeping it more secure by saving it in bank and investing!
Lets get it 🥖
NICE MIGUEL! First comment 😉❤🍞
Dito talaga ako mapapatanong ng "How to be you po?" Im a broke 21 years old student.
Learning so much from you! Thank you for sharing your wisdom!💖
Awesome! We love to learn hehe 😁❤🍞
You are a good example for the young people. Keep up what you are doing.
I've known about MP2 for years but kept putting it off and making excuses. After watching this video, I told myself "it's a sign!" and immediately deposited 2k after opening an MP2 account.
Just. Do. It! 🤣
Liking you b-rolls, lalo na how time consuming and effort ang nilalaan para dun. And since malapit na ang acads next week, dont overdo yourself, till next week hahaha
Thanks yo! I want to put more B-rolls in my videos, so watch out 😅 Online classes are here 😬
I started investing in agriculture crowdfunding after I watched this video a year ago. I checked the platforms you mentioned but I was really skeptical considering the locations of the farms available for funding. So, what I actually did was fund farms in Mindanao. Low risk since it’s rarely hit by typhoons but also there’s not much protection for investors. So, I would suggest to be cautious on making connections and choosing people to manage your investment.☺️
Thank you for inspiring me/us. Such simple and direct to the point explanations. ♥️
Sayang. interested pa naman ako sa fundko!
tindi nitong batang to, ms mrami png alam kesa s kramihan pgdting s investing...mukhang chinese sya kya pgdting s negosyo ibang level tlga. pero grabe 20yrs old plng. ano p kaya pg nsa 40’s n baka retired na hehe. keep it up..
Haha salamat sa support Justin! 😄❤🍞
Very knowledgeable! 💯 Keep it up!
I needed this. Thank you for this!! 💖💯