Summary
Highlights
Patrick Mabilog introduces his investment journey, starting with a humble ₱5,000 per month that grew to ₱1.3 million over nine years. He aims to inspire and educate others on building wealth, sharing his personal background as an entrepreneur, investor, and how he and his wife built an eight-figure business and a ₱10 million investment portfolio.
The first phase, the 'Exercise Phase,' focused on building financial discipline rather than immediate returns. Starting in 2016, despite a declining Philippine Stock Exchange, they consistently invested ₱5,000 monthly for two years. This phase, though only yielding a ₱9,000 growth on ₱120,000 contribution, was crucial for learning to manage fears, greed, and practice delayed gratification. They maintained a frugal lifestyle, buying secondhand cars and budgeting strictly for dining out.
The 'Exploration Phase' began with leveraging passive income. After moving cities, they rented out their first house, generating ₱10,000 per month, which was immediately directed into investments. This allowed them to diversify into mutual funds, UITFs, feeder funds (for global market exposure like S&P 500), and even cryptocurrency/NFTs. During this phase, their total investment grew significantly, reaching close to ₱1.3 million, with 80% of their wealth accumulated here, demonstrating the power of increasing investment contributions and diversification after establishing initial discipline.
The 'Expansion Phase' involved using their accumulated ₱1.3 million to explore new, larger investment opportunities. This included purchasing a second rental property and making a ₱1 million investment in Singapore, projected to grow to ₱20 million in 30 years through compounding. This phase focuses on multiplying wealth through strategic and diversified investments, aiming for a passive income stack of ₱250,000 per month.
Patrick highlights that the seemingly 'embarrassing' early phase of small gains was foundational. The real question was becoming a person who invests, not having a large starting capital. He emphasizes that wealth is often unseen and built through consistent behavior and discipline. He encourages viewers to start investing with whatever small amount they can afford, as consistent positive behavior with small amounts will always outperform large amounts with poor financial habits, ultimately building generational wealth.