We invest for retirement, while allowing individual holdings to change when our investment case and portfolio needs justify it.
Originally published: September 27, 2026 · Last updated: September 27, 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
What the name means
PERA is our retirement account. Our purpose is to build assets that can support us later in life. “Micro harvesting” describes one possible action inside the account: selling part of a holding to realize a gain when the price, investment case, and portfolio allocation support the decision. Sale proceeds remain in the PERA account for a later investment decision. A harvest is not a retirement withdrawal.The method does not require a trade every week or a sale whenever a price ticks upward. Frequent transactions can create costs, interrupt a holding we still believe in, and leave cash idle. We may also hold, add, reduce risk, or exit if the reason for owning a security changes.
Why adjust a long-term account?
Long-term purpose does not mean every position must stay the same size until retirement. A partial sale may reduce an oversized holding or return cash to the account while retaining some exposure. A purchase may build a position gradually after fresh study. Dividends may provide cash to reinvest. None of these actions guarantees a better outcome: a price can keep climbing after we sell or fall after we buy.We started this portfolio later than we wished, so consistent contributions matter to us. We also want the capital already in the account to be managed with care. Before an action, we consider the reason for owning the stock, price, position size, available cash, costs, and what the action would do to the whole portfolio. A small paper gain by itself is not enough.
Our standard for decisions
We contribute for retirement, hold investments while their role remains sound, and make selective purchases or sales when supported by our assessment. Realized gains, dividends, and sale proceeds stay in the PERA account. We measure progress over the long term after costs and losses, rather than by counting trades or declaring every sale a success.Some months may have many transactions; others may have none. Our dated Portfolio Record and Operator Journal will explain what we did at the time. The website will hold the current version of detailed allocation rules once that guide is published.
Read how our account began, or continue to why we sometimes begin with a one-board-lot marker. Return to The Journey So Far for all live links.
This describes our own portfolio process and is not a recommendation to buy or sell a security.
We may use AI to help with visuals and editing. The account activity, decisions, and views are ours, and we review the final post. This is personal documentation, not advice or a promised result.
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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