The 20K Promise

The 20K
Promise.

Around ₱20,000 every month. Building toward ₱2,000,000.

Monthly target: ₱20,000

Current Value

₱103,610

Total Invested

₱102,622

Months In

5

Unrealized Gain/Loss

+₱988 (+0.96%)

Emergency Fund: ₱250,000 · Held separatelyGoal Target: 2032
Progress to ₱2,000,0005.18%
₱103,610₱2,000,000

Public Holdings

Every public purchase, cost, and result—documented in one continuous ledger.

Total Cost Basis

₱102,621.81

Current Value

₱103,610.00

Total Gain / Loss

+₱988.19

Overall Return

+0.96%
BDO

BDO Unibank Inc.

3 buys

130 shares · avg ₱118.20 · since Mar 2026

Live Price

₱122.00

Current Value

₱15,860.00

Gain / Loss

+₱493.61

Return

+3.21%

Portfolio %

15.0%

Why I hold this

"A scaled banking franchise with diversified earnings and exposure to long-term Philippine economic activity."

ALI

Ayala Land, Inc.

2 buys

1000 shares · avg ₱14.60 · since Mar 2026

Live Price

₱16.26

Current Value

₱16,260.00

Gain / Loss

+₱1,655.50

Return

+11.34%

Portfolio %

14.2%

Why I hold this

"A leading property developer with a broad landbank and recurring-income assets tied to long-term urban growth."

JFC

Jollibee Foods Corp.

4 buys

100 shares · avg ₱154.61 · since Mar 2026

Live Price

₱150.60

Current Value

₱15,060.00

Gain / Loss

₱-400.68

Return

-2.59%

Portfolio %

15.1%

Why I hold this

"A leading consumer brand with a strong domestic franchise and growing international reach."

FME

First Metro Philippine Equity Exchange Traded Fund, Inc.

4 buys

190 shares · avg ₱102.02 · since Apr 2026

Live Price

₱106.00

Current Value

₱20,140.00

Gain / Loss

+₱755.98

Return

+3.90%

Portfolio %

18.9%

Why I hold this

"Diversified PSEi exposure that reduces reliance on any single Philippine company."

ARE

AREIT, Inc.

4 buys

600 shares · avg ₱39.00 · since Apr 2026

Live Price

₱37.75

Current Value

₱22,650.00

Gain / Loss

₱-748.83

Return

-3.20%

Portfolio %

22.8%

Why I hold this

"An income-oriented portfolio of quality commercial assets supported by recurring leases and sponsor growth opportunities."

AP

Aboitiz Power Corp.

2 buys

200 shares · avg ₱42.70 · since Jun 2026

Live Price

₱43.50

Current Value

₱8,700.00

Gain / Loss

+₱159.88

Return

+1.87%

Portfolio %

8.3%

Why I hold this

"An essential power business with diversified generation exposure and participation in the energy transition."

MER

Manila Electric Company (Meralco)

10 shares · avg ₱586.73 · since Jul 2026

Live Price

₱494.00

Current Value

₱4,940.00

Gain / Loss

₱-927.27

Return

-15.80%

Portfolio %

5.7%

Why I hold this

"The country's largest electricity distribution utility, supported by regulated operations and long-term power demand."

Dividend Income

Cash generated by the portfolio, tracked separately from monthly deposits

Net Dividends

₱392

Reinvested

₱392

Available

₱0

Tax Withheld

₱44

BDO

Dividend

Jun 22, 2026

"110 Shares @ 1.1 each"

Gross

₱121

Tax

-₱12

Net

₱109

Reinvested

₱109

AREIT

Dividend

Jun 11, 2026

"AREIT Quarterly dividend. 400 shares"

Gross

₱248

Tax

-₱25

Net

₱223

Reinvested

₱223

JFC

Dividend

May 21, 2026

"JFC Quarterly dividend. 50 Shares"

Gross

₱67

Tax

-₱7

Net

₱60

Reinvested

₱60

Monthly Log

Around ₱20,000 targeted each month — actual public contributions are shown below

Cumulative Invested

July 2026

"Fifth month: added MER and maintained broad PSE exposure."

₱20,513

MER: ₱5,867AREIT: ₱3,751FMETF: ₱4,248AP: ₱4,097BDO: ₱2,550

June 2026

"Fourth month: expanded the portfolio with AP."

₱20,101

ALI: ₱9,689AREIT: ₱3,851FMETF: ₱2,118AP: ₱4,443

May 2026

"Third month: added to the existing Philippine equity allocation."

₱19,579

AREIT: ₱7,773FMETF: ₱5,010JFC: ₱6,796

April 2026

"Second month: expanded ETF and REIT exposure."

₱24,047

BDO: ₱4,722AREIT: ₱8,024FMETF: ₱8,008JFC: ₱3,294

March 2026

"First month of the public Philippine equity ledger."

₱18,382

BDO: ₱8,095ALI: ₱4,916JFC: ₱5,371