Our retirement account began in December 2025. This living recap gathers the stories, methods, and records we publish along the way.
Originally published: September 26, 2026 · Last updated: September 26, 2026
Links to related posts
- What is PERA?
- How Our PERA Journey Began: Pay Ourselves First
- A Long-Term Goal with an Active Method
- Universe Marker Position
- Capital Markets
How we began
We started our PERA account in December 2025. Medyo late na kaming nagsimula sa retirement saving, kaya kailangan naming maging deliberate sa perang dumaraan sa amin. Our working contribution target is 10% of income on average. Some deposits come from salary; others may come from additional income or a bonus. The amount can vary, but the decision to set money aside must be repeated.
PERA Micro Harvesting is the name of our personally managed retirement portfolio journey. We contribute, study possible holdings, make selective investment decisions, and record purchases, sales, dividends, costs, and results. Our retirement purpose remains long term. A sale inside the account is an investment decision; it is not money we are taking out to spend.
Our Facebook posts began telling this story before we published a blog or launched a PERA website. This article starts the longer public record. The blog will carry dated decisions and updates. The website will hold explanations and policies that readers may revisit. Facebook will share shorter Journey, Method, and Record posts and point to the published articles and guides.
Follow our PERA journey
We will add live links only. Within the dated sections, the newest item goes first.
Blog updates — our story
Published contributions, decisions, reviews, and lessons will appear here. No links added yet.Website guides — how it works
Lasting explanations, including the Universe Marker Position and portfolio policies, will appear here.Facebook — Journey
Our beginnings, contribution habits, and milestones. Links insert to already published Journey posts, newest first.- Paano kami nagsimula? Pay yourself first
- After 45, may pag-asa pa ba maka-ipon
- Ano ang PERA? Personal Equity and Retirement Account
- Welcome to PERA Micro Harvesting, a portfolio journey by Micro Stock Trader
Facebook — Method
Our reasoning, rules, and ways of managing risk. Links insert to already published Method posts, newest first.Facebook — Record
Dated contributions, transactions, dividends, and snapshots. Links insert to already published Record posts, newest first.Why we keep a record
If you are new here, start with our origin story, then read how the method works. We will update this recap as each piece goes live.
This is documentation of our own retirement account, not personalized investment advice, a trade alert, or a promise of results.
Shariah Compliance Advisory (Updated September 9, 2026)
The Philippine Stock Exchange (PSE) has officially confirmed that it has ceased publishing its list of Shariah-compliant securities.
In November 2025, the PSE informed Micro Stock Trader that its Shariah initiative had been temporarily paused for an internal evaluation. In a subsequent email dated September 9, 2026, the PSE clarified:
“Please be informed that PSE has officially ceased publication of Shariah-compliant securities.”
Accordingly, Micro Stock Trader will continue applying a conservative, independently screened approach to its halal-focused investment strategies, in shā’ Allāh. This screening forms part of our personal portfolio governance and does not constitute an official Shariah certification or religious ruling.
Ang aming mga post ay bahagi ng personal learning journey ng Micro Stock Trader sa securities analysis, portfolio management, at capital markets. The information, strategies, frameworks, and examples presented are for educational and documentation purposes only. They reflect our personal methodologies and experiences, do not constitute investment advice, and do not guarantee future performance.
Any discussion of interest-based instruments, conventional bonds, preferred shares, or other financial arrangements is provided solely for academic and analytical context—not as a recommendation or endorsement. Readers should perform their own due diligence and consult qualified financial professionals before making investment decisions.
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