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This is an investment and financial management article for beginners.

Many friends wrote to ask how to start investment and financial management?
Are you ready for financial planning and asset allocation?
Only then did I discover that,
Many friends have not yet learned how to manage money, but they are eager to get into investment assets and make a lot of money to get rich over night.

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Investing in Philippine Stock Market is as easy as few steps away from applying a bank account and depositing money to bank account to opening a trade account.

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Be a share holder is more easier to earn money comparing to work as a worker because when you invest a company share, you got the right to earn passive income from annual (or quarterly) stock dividends which is usually ROI 3% to 8% of the investment amount (say purchased price).

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For ordinary people, buying stock shares is just like buying a coffee tree. When the price of the coffee tree rises, most of them choose to sell it and make a profit. But when it comes to the stock saving method, it is to take good care of the coffee tree after planting it, and wait for the coffee tree to bear fruits and produce coffee beans, and after sold coffee beans, then use the money (i.e. stock share dividends) to buy another one or two coffee trees. Over time, there will be more and more coffee trees in the coffee farm. Eventually after so many days have passed that the coffee beans are too much to sell and drink coffee.

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Asset Accumulation Chart is a comprehensive lifetime asset calculator for people to easily monitor their assets accumulated by year from the age 20 to the age 100.