Ironies in Investing


Ironies are also live in investing.  Many people’s perspective in investing is for future financial growth if they do it in the long term (long term investing); using cost-averaging method that spread risks and encourage diversification.

But almost no one ever heard that in investing is also full of ironies?  Read below my points why I coined investing have full of ironic events:

  1. Investing should earning more gains than losing -> I have been in personal investment for almost five years, mostly in equities (direct stock market) thru COL Financial, and I’d seen many reds more than in neutral color for a long time; which is good due to I am able to buy more shares in cheaper price.  Many friends of mine gave up investing and return to their old ways of spending.  Ironically, they wanted to retire comfortably.
  2. Investing should not be used as emergency fund -> This is the most reason why people quit or suddenly lost their appetite in investing.  They didn’t build emergency fund first before diving to equity investment.  At worst, they sold their investments in losing price due to necessity.
  3. When you have equity investments folio, you are liquid -> not entirely true.  Yes it’s far more liquid than invested in real estate.  But you cannot always guarantee if the price your investments are in gain, even if it was placed in money market, still no guarantee of gains.  Liquidity means, you have sufficient asset that can be used anytime without considering factors of depreciation and time of liquidation.  The best liquid asset is cash (savings deposits or Time deposits).

The best way to start investing is to secure first sufficient coverage of your biggest asset: YOU.  Here are some important reminders:

  1. Get VUL (Variable Unit Linked) –> A combination of living insurance such life and sickness and personal accident, and investments.  No other company that can give you guarantees of having protection while still earning.
  2. Build Your own Emergency Savings Account –> develop a culture of savings while investing in VUL, we are not earning only on our monthly salaries, but also from our own company gratitude such mid-yer and Christmas bonus.   Save atleast six months of your salary, which can cover enough if you suddenly lost a job.  (There is no certain, until it was happened!)
  3. If you already did the above reminders, then go on in investing spree!

You can be always be a thrifty but never a stingy!



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Eleison Cruz

Financial Consultant. Personal Finance and Investment advocate. Author of The Good Asset, a blog that educates people in investments, financial literacy, and life insurance. Visit

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