The 20K Promise

The 20K
Promise.

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

Monthly target: ₱20,000

Current Value

₱129,032

Total Invested

₱127,622

Months In

6

Unrealized Gain/Loss

+₱1,411 (+1.11%)

Emergency Fund: ₱250,000 · Held separatelyGoal Target: 2032
Progress to ₱2,000,0006.45%
₱129,032₱2,000,000

Public Holdings

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

Total Cost Basis

₱127,621.81

Current Value

₱129,032.34

Total Gain / Loss

+₱1,410.53

Overall Return

+1.11%
BDO

BDO Unibank Inc.

3 buys

130 shares · avg ₱117.85 · since Mar 2026

Live Price

₱123.20

Current Value

₱16,016.00

Gain / Loss

+₱649.61

Return

+4.23%

Portfolio %

12.0%

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

1,000 shares · avg ₱14.57 · since Mar 2026

Live Price

₱15.20

Current Value

₱15,200.00

Gain / Loss

+₱595.50

Return

+4.08%

Portfolio %

11.4%

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 ₱154.15 · since Mar 2026

Live Price

₱160.00

Current Value

₱16,000.00

Gain / Loss

+₱539.32

Return

+3.49%

Portfolio %

12.1%

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 ₱101.72 · since Apr 2026

Live Price

₱104.80

Current Value

₱19,912.00

Gain / Loss

+₱527.98

Return

+2.72%

Portfolio %

15.2%

Why I hold this

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

ARE

AREIT, Inc.

4 buys

600 shares · avg ₱38.88 · since Apr 2026

Live Price

₱38.00

Current Value

₱22,800.00

Gain / Loss

-₱598.83

Return

-2.56%

Portfolio %

18.3%

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 ₱42.58 · since Jun 2026

Live Price

₱45.65

Current Value

₱9,130.00

Gain / Loss

+₱589.88

Return

+6.91%

Portfolio %

6.7%

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 ₱585.00 · since Jul 2026

Live Price

₱479.00

Current Value

₱4,790.00

Gain / Loss

-₱1,077.27

Return

-18.36%

Portfolio %

4.6%

Why I hold this

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

MAB

Manulife Asia Best Select Equity Fund

Managed fund

45.6739 units · avg NAVPU ₱109.4717 · since Aug 2026

Latest NAVPU

₱110.9950

Current Value

₱5,069.57

Gain / Loss

+₱69.57

Return

+1.39%

Portfolio %

3.9%

Why I hold this

"An actively managed Asian equity allocation that adds exposure to leading companies across the region."

ATR

ATRAM Global Allocation Feeder Fund

Managed fund

145.1623 units · avg NAVPU ₱137.7768 · since Aug 2026

Latest NAVPU

₱138.5674

Current Value

₱20,114.77

Gain / Loss

+₱114.77

Return

+0.57%

Portfolio %

15.7%

Why I hold this

"A diversified multi-asset allocation across international equities and bonds, designed to broaden the public ledger beyond the Philippines."

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

August 2026

"First international allocation: a multi-asset core with a smaller Asian equity satellite."

₱25,000

ATRAM_GAF: ₱20,000MABSEF: ₱5,000

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