@Manoy-Maestro 10 February 2022

Tracking my investments in 2021 In my journey to financial responsibility, I tracked my expenses, savings, and investments in a Google Sheet starting July 2020. Let me share with you my insights and let me know if you have questions, comments, and suggestions. As a newbie, I started with BPI UITF and GCash Invest for convenience. I started with BPI UITF last 28 October 2019 since my first salary was in BPI. An agent in a BPI branch had convinced me to make a deposit of ₱10,000 (the minimum deposit allowed) in BPI Money Market Fund. Back then I was naive and believed almost every word the agent said; I had no emergency fund before but had some money to spare—maybe an unwise choice but I have learned my lesson (and still learning hehe). Fast forward to 28 July 2020, I decided to track my financial activities every 28th of the month. I was glad that my investment gained value from 10k to about 10.25k, that's about 2.45% increase in a span of nine months doing nothing! From July 2020 to December 2021 the market value was increasing, reaching ₱10,433.57 by the end of the year 2021. Hopefully this trend will continue. For a passive medium risk investment, I have no regrets. I have not yet redeemed this investment so this will still grow, hopefully.

I later knew from a friend that you can invest in GCash for as low as ₱50. On 27 January 2020, I decided to try the ATRAM Peso Money Market Fund (the only investment available at that time) for ₱500, just for the sake of trying it out. By December 2021, my investment increased by a total of ₱6.27, which is actually 1.25% of my initial investment.

On 08 January 2022, I decided to redeem my investment in GInvest so I placed a sell order of ₱506.29. After three days, the sell order is now completed and ₱506.31 was successfully credited to my GCash account (it even gained ₱0.02 while waiting for the sell order to complete)! Overall, I am just glad that my investments are growing! I will continue learning so that I can properly engage in more aggressive investment vehicles. In the meantime, I shall stick first to high savings bank accounts and UITF, and of course, enjoying my earnings.