Smart Pinoy Investor with Omeng Tawid

27/08/2026

Something to think about… and do something on.

If you ask a Filipino making ₱50,000 to ₱80,000 a month if they are wealthy, they will usually say, "No, but I am comfortably middle class."

They have a car loan. They go to cafes on the weekend. They have a nice smartphone.

But from a macroeconomic perspective, the Philippine middle class is an absolute illusion. Why? Because true wealth isn't measured by your car; it is measured by your safety net.

Welcome to the terror of Out-of-Pocket Healthcare.

In first-world countries (like Canada or the UK), if you get cancer or have a massive stroke, the government’s universal healthcare system absorbs the multi-million dollar blow. You get sick, you get treated, and your bank account stays intact.

In the Philippines, an unexpected medical emergency is a financial death sentence.

If a parent suddenly needs a bypass surgery, or a child requires a month in the ICU, PhilHealth only covers a fraction of the cost. The family is suddenly slammed with a ₱2 Million to ₱5 Million hospital bill.

Because we lack comprehensive universal healthcare, the so-called "middle class" is instantly wiped out. They are forced to sell their cars, mortgage their family homes, max out their credit cards, and beg for donations online.

It takes ten years of hard work, overtime, and saving to build a middle-class life in the Philippines. And it takes exactly three weeks in a private hospital ICU to completely erase it, sending the entire family back into generational poverty.

27/08/2026

A GENTLE REMINDER FROM ARCHBISHOP ALBERTO “ABET” UY🙏

“If you borrow money, make sure to return it at the appointed time. If you cannot pay on time, do not hide. Go to the person and explain your situation honestly.”🤍

— Archbishop Alberto “Abet” Uy

Borrowing money is sometimes necessary. Life can be unpredictable. There are emergencies, unexpected expenses, family problems, and difficult seasons when we may need to ask someone else for help.

But borrowing money also comes with responsibility.

It is easy to make promises when we need something. We say, “I’ll pay you back on this date,” or “Don’t worry, I’ll return it as soon as possible.” But when the time comes and we are unable to pay, some people choose to avoid calls, ignore messages, or disappear completely.

This is where the reminder of Archbishop Abet Uy becomes important.

If you cannot pay on time, do not hide.

Sometimes, the problem is not only the unpaid money. What hurts even more is when trust is broken. The person who helped us may understand our situation—but they cannot understand it if we choose to disappear without saying anything.

Honesty may not immediately solve the financial problem, but it can preserve respect and trust.

If you are struggling, speak honestly. Explain your situation. Ask for more time if necessary. A sincere conversation is always better than avoiding the person who trusted you enough to lend you money.

And for those who have lent money, this can also be a reminder to remember that behind every debt may be someone going through a difficult situation. We should value honesty, responsibility, and compassion.

Money can come and go, but trust is something that takes time to build and can easily be destroyed.

🙏 Pay your debts when you are able. Keep your promises. And when circumstances make it impossible to do so, do not run away from your responsibility. Speak honestly.

Because being responsible does not mean that you will never experience financial difficulties.

Sometimes, being responsible simply means having the courage to face the person, tell the truth, and say:

“I’m sorry. I’m doing my best. Please give me a little more time.”

In a world where disappearing can seem easier than explaining, may we always choose honesty over avoidance and responsibility over excuses.

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07/07/2026

BREAKING: Robinsons Retail set to leave PSE after Gokongweis secure 99.7% stake

The Gokongwei family has secured enough shares to take Robinsons Retail Holdings Inc. private after a successful tender offer lifted its ownership to 99.7 percent.

The family's JE Holdings Inc. accepted 229.58 million shares worth about P11.1 billion in the operator of Robinsons Supermarket, Southstar Drug and The Marketplace, raising the family’s stake to about 99.7 percent.

Once completed, Robinsons Retail’s public float will shrink to just 0.31 percent, paving the way for the company to delist after 12 years on the local bourse.

Story link in the comments.

30/05/2026

Yes! Especially now that it has become more accessible to retail investors to invest in better performing assets!

More Filipino investors are diversifying into global markets as the Philippine stock market struggles with geopolitical shocks, peso weakness, inflation pressures, and slowing investor confidence. | via ANC 24/7

Link to full story in the comments section.

22/05/2026

On PERA - another way to build tax-free fund for your retirement

02/05/2026

Millions of Filipinos line up every week to buy lotto tickets or place bets on local numbers games, hoping for a miraculous escape from poverty. But when an economist looks at the lottery system, they don't see a game of chance. They see a Regressive Voluntary Tax and Negative Expected Value.

From a mathematical standpoint, buying a lottery ticket is one of the most destructive financial habits in the country.

The Math of "Expected Value" (EV): In economics, EV is how much money you statistically expect to win or lose per bet. Because the odds of winning the grand prize are roughly 1 in 28 million, for every ₱20 ticket you buy, the mathematical "value" of that ticket is less than ₱5. You are instantly destroying 75% of your capital the second it leaves your hand.

The Regressive Tax Trap: A "regressive tax" is one that punishes the poor harder than the rich. A billionaire does not spend 10% of their income on lotto tickets; a minimum-wage worker desperate for a way out often does. The state and lottery operators are essentially extracting the last remaining disposable income from the working class, funding government projects by taxing desperation.

The Opportunity Cost: If a worker spends ₱100 a week on lotto tickets for 20 years, that is ₱104,000 burned. If that exact same money was placed in a Pag-IBIG MP2 account earning 7% compounding interest, it would be worth over ₱220,000.

The Economic Lesson: The lottery is a tax on mathematical hope. By participating in games with negative expected value, the working class is mathematically guaranteeing their own long-term poverty while funding a system engineered to slowly drain their wallets.

17/04/2026

If you take your grandparents to a restaurant or a pharmacy in the Philippines, they are legally entitled to a massive 20% discount and a VAT exemption under Republic Act 9994.

Politicians constantly boast about this law. They claim it proves how much the state cares for the elderly.

But if you look at the corporate balance sheet, this law is a brilliant piece of Macroeconomic Illusion.

When the restaurant gives your grandmother a 20% discount, the Philippine government does not wire 20% cash back into the restaurant’s bank account to cover the loss. They only allow the restaurant to claim it as a tax deduction at the end of the year.

For a business running on razor-thin 5% profit margins, immediately losing 20% of revenue on a massive portion of their customers is corporate su***de.

So, what does the restaurant do? They recalculate. They quietly raise the base price of every single item on the menu by 5% to 10%.

The government didn't actually subsidize the elderly; they simply mandated a wealth transfer. When a 22-year-old minimum-wage earner buys a meal, they are secretly paying a hidden markup to fund the 20% discount of the wealthy 65-year-old sitting at the next table. The politicians took all the credit, but they forced the working class to foot the entire bill.

10/04/2026

COL Chief Equity Strategist April Tan, CFA:
Oil Crisis to Get Worse Before It Gets Better

📍The Iran conflict triggered a surge in oil prices, dragging the PSEi down 1.7% year-to-date by the end of the 1st quarter

📍 Coal, power, and water utilities seen as most resilient; telcos and supermarkets remain defensive but face margin pressure

📍 For our COLing the Shots stock picks list, we are removing cyclical names, and focusing on resilient picks: CREIT, AP, MYNLD, and FGEN

16/03/2026

“The greatest legacy may simply be kindness and presence.”

The quiet truth that sits at the heart of The Swedish Art of Aging Exuberantly is both gentle and startling, life is short, delightfully uncertain, and far too precious to spend pretending we will live forever. Listening to Margareta Magnusson narrate her reflections through the warm voice of Natascha McElhone felt less like hearing a book and more like sitting beside a wise grandmother who has stopped trying to impress anyone and has finally decided to tell the truth. The book does not shout its wisdom, it whispers it, sometimes with humor, sometimes with startling honesty, always with a quiet invitation to live more fully while there is still time. What follows are seven lessons that lingered in the heart long after the last chapter ended.

1. Aging is not a slow fading, it can be a louder way of living. One of the most refreshing ideas Magnusson offers is that aging should not be treated like a gradual retreat from life. Instead, she speaks of aging as a season of freedom, a time when many of the fears that once ruled decisions begin to lose their grip. Expectations fall away, the pressure to impress others dissolves, and suddenly there is space to live more honestly. The author gently reminds listeners that youth often carries anxiety about status, reputation, and approval, but age can liberate a person from those burdens. In her voice there is almost a playful rebellion, an encouragement to laugh louder, enjoy ordinary pleasures more deeply, and stop apologizing for simply being alive.

2. One day you will die, and strangely, that is good news. Magnusson speaks about death with a calmness that feels almost shocking in a world that avoids the subject. Rather than treating death as a dark cloud hanging over life, she frames it as the very reason life matters. Knowing that time is limited sharpens appreciation for the everyday moments that are so easily ignored, a cup of coffee shared with someone dear, sunlight entering through a quiet window, laughter that arrives without warning. Her reflections carry a peaceful acceptance that death is not an enemy to fear endlessly, but a reminder to stop postponing joy.

3. The older you become, the less important other people’s opinions should be. A subtle but powerful thread in the book is the freedom that comes when the need for approval fades. Magnusson describes how much of early life is spent worrying about what others think, what is fashionable, what is respectable, what is expected. But with age, something shifts. The noise of judgment grows quieter, and the heart begins to ask a different question, what actually makes life meaningful. Her reflections encourage listeners to release the exhausting habit of living for an audience, and instead step into a quieter, truer version of themselves.

4. Joy is often found in small, stubborn pleasures. Magnusson does not describe grand adventures or dramatic achievements as the foundation of happiness. Instead, she repeatedly returns to the small rituals that quietly enrich life. A walk through familiar streets, the comfort of old music, the satisfaction of simple routines, the warmth of memories that visit without invitation. Listening to her narration feels like being reminded that happiness rarely announces itself with fireworks. It lives in the ordinary moments people tend to rush past while chasing something bigger.

5. Letting go of possessions can feel like letting go of burdens. Many listeners will recognize echoes of Magnusson’s earlier philosophy about simplifying life, but here it appears with deeper emotional texture. She speaks about how the accumulation of objects over a lifetime can slowly become a kind of weight, things stored in closets, drawers, and attics that no longer serve any real purpose. Releasing them is not just practical, it is emotional. It allows space for breathing, for clarity, for lightness. In her tone there is compassion for those who struggle to let go, yet also a gentle encouragement to remember that memories live in the heart, not in the objects that once surrounded them.

6. Growing older can sharpen gratitude. One of the most touching ideas Magnusson shares is that age often deepens appreciation for life itself. When a person has seen many seasons, endured losses, celebrated victories, and watched time reshape everything, gratitude begins to take root in unexpected ways. Simple things start to glow with significance. A conversation with a friend, the presence of family, the quiet miracle of waking up to another day. Her reflections carry a softness that suggests gratitude is not forced optimism, it is a natural response to understanding how fragile and beautiful life truly is.

7. The greatest legacy may simply be kindness and presence. Toward the end of the book, Magnusson gently nudges listeners to consider what will remain after life is over. She does not point toward wealth, fame, or grand accomplishments. Instead, she returns to the quiet impact people leave on one another. The warmth offered in difficult moments, the patience shown to loved ones, the laughter shared around ordinary tables. Listening to these reflections feels like being reminded that the real measure of a life may be the memories carried in the hearts of others long after the person is gone.

Book/Audiobook: https://amzn.to/3P6IXyF

You can access the audiobook when you register on the Audible platform using the l!nk above.

16/03/2026

Make that heal(thy) choice. 🚶

If you drive daily, consider combining trips with light exercise (walk short errands). Even replacing two short trips a week can save a meaningful amount monthly.⛽️