The MH Money Machine needs more than trades, charts, and harvest zones. Micro Harvesting 2.0 begins with an Investment Policy that defines its universe, risk limits, allocation discipline, liquidity rules, and portfolio purpose.
Originally published: July 23, 2026 · Last updated: July 23, 2026
MH Application Series | ◀︎ | ▶︎ |
About the CSSC Learning Series
Ang post na ito ay bahagi ng ating CSSC Learning Series, kung saan idinodokumento natin ang ating karanasan, mga natutuhan, at mahahalagang takeaways mula sa 17th PSE-Ateneo Certified Securities Specialist Course.
Ang programang ito ay isa sa mahahalagang capital-market education initiatives ng Philippine Stock Exchange, katuwang ang Ateneo Center for Continuing Education. Binubuo ito ng humigit-kumulang 123 oras ng continuing education tungkol sa financial at securities market theories, valuation techniques, fundamental at technical analysis, investment portfolio management, market dynamics, ethics, securities regulations, at real-world applications ng finance principles.
Ang bawat module ay pinangungunahan ng mga piling market practitioners at academicians na may malawak na kaalaman at aktuwal na karanasan sa finance at capital markets. Kasama sa programa ang synchronous at asynchronous lectures, exercises, group assignments, examinations, at hands-on training gamit ang iba’t ibang financial information platforms.
Sa matagumpay na pagtatapos ng programa, ang mga participants ay bibigyan ng certification mula sa PSE at Ateneo at igagawad ang titulong Certified Securities Specialist—isang karagdagang professional credential na kinikilala sa Philippine capital-markets industry.
Pero dito sa Micro Stock Trader Blog, hindi lamang natin tinitingnan ang bawat module bilang academic requirement. Sinusuri rin natin kung paano maisasalin ang mga aral nito sa aktuwal na karanasan ng isang retail stock trader—lalo na sa patuloy nating pagbuo, pagsusuri, at pagpapahusay ng Micro Harvesting framework.
Ito ang ating kuwento bilang Board Lot Warrior—ang inyong Batangueñong retail stock trader—na patuloy na nag-aaral, sumusubok, at nag-a-upgrade ng sariling sistema sa merkado.
Ang Punto ng Usapan
Every trading system needs rules.
Pero habang lumalalim ang Micro Harvesting journey, mas naging malinaw sa amin na hindi sapat ang rules for buying, refilling, and harvesting. Kailangan din ng mas mataas na layer ng rules.
Hindi lang:
Kailan bibili?
Kailan magre-refill?
Kailan magha-harvest?
Kundi:
Ano ba ang role ng buong portfolio?
Ano ang allowed universe?
Gaano kalaki ang puwedeng exposure?
Kailan dapat tumigil kahit may opportunity?
Kailan tactical lang ang adjustment, at kailan policy-level na ang change?
Dito pumapasok ang Micro Harvesting 2.0 Investment Policy.
Para sa amin, ito ang magiging constitution ng MH Money Machine.
Bakit Kailangan ng Investment Policy ang MH?
Sa simula, madaling isipin na ang Micro Harvesting ay purely execution system.
May stock.
May layer.
May refill.
May harvest.
May gain.
Repeat.
Pero hindi ganoon kasimple ang actual market.
May drawdown.
May overdeployment.
May trapped capital.
May liquidity need.
May dividend strategy.
May technical setup na maganda pero bawal na dahil puno na ang allocation.
May stock na attractive pero hindi pasok sa portfolio role.
May market condition na maingay pero hindi naman dapat baguhin ang buong system.
Kaya kailangan ng Investment Policy.
Hindi para gawing komplikado ang MH, kundi para hindi ito maligaw.
The Investment Policy answers the bigger question:
Does this action still serve the whole portfolio?
Core Principle: Every Trade Must Serve the Portfolio
Ito ang pinaka-importanteng principle ng Micro Harvesting 2.0:
Every trade must serve the portfolio.
Hindi sapat na valid ang isang chart setup.
Hindi sapat na mura ang isang stock.
Hindi sapat na may harvest opportunity.
Hindi sapat na may rebound signal.
Kailangan itanong:
Pasok ba ito sa policy?
May allocation room pa ba?
May sapat pa bang dry powder?
Hindi ba nito sisirain ang risk balance?
Aligned ba ito sa portfolio role ng stock?
Sa MH 2.0, ang trade ay hindi isolated event. Bahagi ito ng buong portfolio machine.
Investment Universe: 100% Local Common Equities Only
Ang unang malinaw na constraint ng MH Investment Policy:
Micro Harvesting 2.0 shall operate only within Philippine/local common equities.
Ibig sabihin:
Allowed:
Philippine/local common stocks listed in the local equities market, subject to MH screening, portfolio role, and governance rules.
Not allowed under the active MH strategy:
Fixed income
Foreign securities
Alternative assets
Preferred shares
Derivatives
Bonds
T-bills
Funds or instruments outside the approved MH universe
Kahit may preferred share na galing sa otherwise acceptable company, hindi siya automatic eligible. Sa MH 2.0, preferred shares are not accepted because the strategy is built around local common equities only.
This is not a weakness. This is a defined constraint.
Ang MH ay hindi textbook multi-asset portfolio. It is a local common equities portfolio system.
So instead of traditional asset allocation among stocks, bonds, money market, and alternatives, MH uses:
Intra-equity allocation.
Intra-Equity Allocation: Ang Tunay na Asset Allocation ng MH
Dahil 100% local common equities ang universe, ang allocation ng MH ay hindi based on traditional asset classes.
Instead, based ito sa portfolio role.
1. Low Volatility Dividend Harvester
Ito ang group para sa stocks na mas bagay sa dividend collection, income support, and portfolio stability.
Hindi sila treated as fixed income. Equities pa rin sila. May price risk pa rin. Pero within the MH framework, sila ang mas income-oriented part ng machine.
Primary harvest source: dividends
Secondary harvest source: occasional price-based harvests
2. Medium Volatility Micro Harvesting Stocks
Ito ang core operating field ng SDA-style refill and harvest cycles.
Dito mas active ang Micro Harvesting mechanics: capital blocks, layers, refill zones, harvest zones, and tactical execution.
Primary harvest source: price movement and realized gains
3. Core Anchor / Special Engine Positions
Some stocks may have a special role because of liquidity, strength, portfolio behavior, or historical performance inside the MH system.
These are not ordinary trading positions. They require stricter caps, clearer rules, and closer monitoring.
Primary concern: role discipline and concentration control
4. Rotation / Technical Probe Bucket
This is for temporary or tactical positions.
Hindi lahat ng opportunity dapat maging long-term holding. Some positions are only allowed as probes, rotation plays, or technical tests.
Primary concern: defined entry, defined purpose, defined exit logic
5. Cash / Dry Powder
Cash is not an afterthought.
In MH, dry powder is part of risk management. It allows the system to survive drawdowns, refill only when appropriate, meet liquidity needs, and avoid forced selling.
Primary purpose: survival, flexibility, and liquidity
Risk Policy: Opportunity Is Not Permission
One major upgrade of MH 2.0 is this:
Opportunity is not permission.
A stock may be down.
A refill layer may appear.
A technical signal may improve.
A harvest zone may open.
But none of these automatically force action.
In MH 2.0:
Layers are maps, not automatic triggers.
Harvest zones create options, not obligations.
Technical signals guide execution, not policy.
Allocation caps override excitement.
Dry powder rules override impatience.
This matters because a portfolio can be damaged not only by bad stock selection, but also by good stocks bought beyond policy limits.
Liquidity Policy: Dry Powder Is Survival Capital
Micro Harvesting is not designed to be fully deployed all the time.
Dry powder has a job.
It protects the operator from forced selling.
It allows selective refills during market weakness.
It creates room for rebalancing.
It supports liquidity needs.
It reduces emotional pressure.
In MH 2.0, cash is not “sayang.” Cash is part of the machine.
The dashboard should therefore monitor:
Cash level
Dry powder percentage
Deployment rate
Overdeployment alerts
Upcoming liquidity needs
Whether new buying is still allowed
A system with no dry powder may still have positions, but it has lost flexibility.
Return Policy: Harvests, Dividends, and Sustainability
MH 2.0 does not define return only as one big capital gain.
Instead, return may come from several sources:
Realized gains from harvests
Cash dividends
Portfolio repair through disciplined exits
Capital redeployment
Long-term compounding of the machine
For low volatility dividend stocks, dividends may become the main Micro Harvest source.
For medium volatility stocks, realized gains from refill-harvest cycles may remain the main source.
For special anchors, the role may include both capital appreciation and liquidity management.
The return objective is therefore not just:
“Make money from a stock.”
It is:
Generate sustainable harvests while keeping the portfolio governable.
Rebalancing Policy: Market Is Tactical, Operator Is Strategic
One of the clearest lessons of the MH 2.0 upgrade is this distinction:
Market conditions are tactical. The operator is strategic.
When the market changes, execution may change.
We may slow down refills.
We may protect cash.
We may harvest overweights.
We may avoid weak setups.
We may wait for confirmation.
But the portfolio policy should not change every time the market becomes noisy.
Policy-level change should happen when the operator’s situation changes:
Liquidity needs change
Risk tolerance changes
Time horizon changes
Income requirement changes
Capital base changes
Portfolio objective changes
That is why MH 2.0 should use scheduled reviews.
A quarterly review is useful for allocation and rebalancing.
An annual review is useful for the whole Investment Policy.
Rebalancing does not mean changing everything.
It means checking:
Is the actual portfolio still aligned with the policy?
Dashboard I and II: From Tracker to Governance System
Because of the Investment Policy, the MH dashboards also need to evolve.
The old dashboard logic was mostly:
What happened to this stock?
What is the current UPL?
Where is the next refill or harvest?
That remains useful. But MH 2.0 needs a higher-level dashboard.
Dashboard I: Investment Policy and Portfolio Allocation Dashboard
Dashboard I should answer:
Is the whole portfolio still aligned with the MH Investment Policy?
It should monitor:
Total portfolio value
Cash and dry powder
Deployment percentage
Allocation by MH role
Target vs actual weight
Overweight and underweight flags
Dividend income
Realized gains
Liquidity needs
Rebalancing alerts
Policy breaches
Dashboard II: Portfolio Construction and Execution Dashboard
Dashboard II should answer:
What action, if any, should be taken per position?
It should monitor:
Stock role
Shares held
Average cost
Layer status
Refill zones
Harvest zones
Technical condition
TMA Gate Score
Volume behavior
Action bias
IPS compliance status
The big upgrade:
Dashboard I protects the portfolio.
Dashboard II guides the execution.
The MH 2.0 Investment Policy in One Page
For practical use, the policy can be summarized this way:
Portfolio Name:
Micro Harvesting 2.0 / MH Money Machine
Investment Universe:
Philippine/local common equities only
Excluded Instruments:
Fixed income, foreign securities, alternatives, preferred shares, derivatives, and other non-approved instruments
Primary Objective:
Build a sustainable, rules-based local equities portfolio capable of generating harvests, dividends, and long-term capital growth
Secondary Objective:
Preserve portfolio flexibility through dry powder, allocation discipline, and rebalancing
Risk Philosophy:
Risk is managed through position sizing, allocation caps, dry powder, stock roles, technical filters, and governance rules
Return Sources:
Realized gains, dividends, capital rotation, and long-term compounding
Liquidity Rule:
Maintain enough dry powder and cash flexibility to avoid forced selling and support planned liquidity needs
Rebalancing Rule:
Review allocation quarterly; review full policy annually or when operator circumstances materially change
Core Principle:
Every trade must serve the portfolio
Why This Is the First MH Application Series Post
This post opens the MH Application Series because before we apply more advanced tools, we need the policy foundation first.
Before we upgrade Dashboard I and II, we need to know what they are supposed to monitor.
Before we improve technical execution, we need to know what execution is allowed to do.
Before we evaluate performance, we need to know what the portfolio was designed to achieve.
Before we chase returns, we need to define the risks we are willing to carry.
The Investment Policy is not the most exciting part of the MH Money Machine.
But it may be the most important.
Because without policy, the system can become reactive.
With policy, the system becomes governable.
Pangwakas na Kaisipan
Micro Harvesting began as a practical way to manage small equity positions through refills and harvests.
But MH 2.0 is becoming something bigger.
It is becoming a portfolio system.
Not because it wants to copy institutional portfolio management exactly, but because it needs its own governance structure.
Its universe is narrower.
Its rules are personal.
Its execution is active.
Its constraints are real.
Its operator is also the client.
That is why the Investment Policy matters.
It reminds us that the MH Money Machine is not just about buying and selling.
It is about building a portfolio that can survive, adapt, harvest, and remain aligned with its purpose.
And from here onward, every MH application should begin with one question:
Is this action consistent with the Investment Policy?
Because in Micro Harvesting 2.0, the trade is no longer the center.
The portfolio is.
This independent article documents our personal experience, interpretation, and application of concepts discussed in the 17th PSE–Ateneo Certified Securities Specialist Course. PSE, Ateneo de Manila University, and the respective course facilitators retain all rights over their original course materials, presentations, images, charts, and other proprietary content. No official course material is reproduced in this post, and no endorsement or affiliation is implied.
The PSE has confirmed that its Shariah screening program is currently paused, with no new lists to be released until their internal review is completed. Although news outlets reported quarterly updates up to mid-2025, these later lists are no longer accessible on the PSE website.
For now, the PSE’s Shariah-Compliant Securities page and all past lists have been removed from the public website. The December 24, 2024 list is the last official version in Micro Stock Trader’s possession, downloaded before the page was taken down, although other investors may still hold later copies such as the reported July 4, 2025 release.
All halal-focused strategies under Micro Stock Trader will use a conservative, self-screened approach until official guidance resumes, in shā’ Allāh.
This post is for educational and documentation purposes only. It is not investment advice. Perform your own due diligence and consult qualified financial professionals before making investment decisions. All strategies, frameworks, and examples described here reflect the personal methodologies of Micro Stock Trader and are not guarantees of future performance.
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