In Investment, We Diversify

In investment, diversification plays a very important role. I have blogged this topic last time, but now I want to walk the talk and challenged ourselves to do it even better.

Diversification means investing in various investment vehicles to minimize the risk of losses. We are currently on a bull run market, our economy is growing significantly. However, this is not forever. Putting all your money in one basket full of equities is not a good idea.

Below graph shows a sample diversification investment portfolio with corresponding age bracket. While there is no universal formula about it, you can use this as base guide to your investment.


Me and my wife are managing both our finances individually. I know for some couples, they tend to merge their assets and incomes and it work best for them. However, in our case, we practice managing our own portfolio. But we have a joint account savings for our emergency fund that we can use in the future.

As of this posting, below is my investment portfolio.

my investment portfolio

 On the other hand, here’s my wife’s portfolio.


After combining both our portfolio, here’s now our current portfolio:


Given the base portfolio, I know we still have a lots of things to adjust on it. Obviously my wife is still have some extra cash that we want to convert in real estate and UITF investment soon. Then comes the non life insurance to protect our asset with any life circumstances. Before the year ends, we’ll get for both of us.

This investment portfolio will be our guide to achieve financial freedom. We are looking forward to retire at age 40 and enjoy the rest of our lives with our family.

Try to create your own and diversify. This is a blueprint to success, make it happen.

P.S. A year ago, I do not know anything about investment. Then I joined Truly Rich Club by Bo Sanchez. It was the best decision I ever made in my life. Brother Bo is a spiritual preacher and at the same time, financial literacy advocate whose purpose is to help people become rich in order to serve the LORD with the money that they have. He guided me along the way, explaining how I can manage my money and make it work hard for me. Now I’m investing in stocks and mutual funds and have a clear path for my future. Soon I’ll open UITF account as well. All are made possible by his guidance and teachings on every steps to become an investor. Being OFW isn’t forever, this is my EXIT PLAN. It’s amazing how his teachings change my life. I’m inviting you to join the club too, JOIN TRULY RICH CLUB. If you have any question, feel free to leave your comment below. CLICK HERE TO JOIN

2 thoughts on “In Investment, We Diversify”

  1. Nice!

    Have you found renters for the property yet? I remembered you blogged about buying that.

    Although I’m not a fan of in-house financing, being a landlord is one of my “dream jobs” 😀 hehe So I’m really curious how that’s going…

    • hi carlos. yes, it is occupied a month ago pa. its a very good passive income source. almost every week i got queries for tenants asking if it is available. that’s how good the location is. we are looking forward for another unit by next year to divert some of our investments into real estate.


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