MAPA sa PERA Micro Harvesting: Hanggang Saan ang Kaya Naming Tiisin?

Home › Board Lot Warrior › Micro Harvesting › PERA Micro Harvesting › Our Journey › MAPA and Portfolio Construction

Ang SDA ang nagbibigay ng accumulation structure; ang MAPA ang boundary para huminto at mag-reassess.

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Habang kinukumpleto namin ang October contribution target at Universe Marker Positions, ibinabalik namin ang isang mahalagang bahagi ng aming framework: ang malinaw na boundary para huminto, mag-review, at mag-reassess.

Originally published: October 3, 2026 · Last updated: October 3, 2026

Links to related posts

• What is PERA?
• How Our PERA Journey Began: Pay Ourselves First
• A Long-Term Goal with an Active Method
• PERA Universe Marker Position
• Ano ang Capital Markets?

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Nilalaman

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Our Journey: Dalawang Goals para sa October

May dalawang definite goals kami ngayong October 2026.

Una, makumpleto ang ₱200,000 PERA-eligible contribution target para sa taon. Batay sa aming latest contribution record, ₱11,000 na lamang ang kailangan naming idagdag.

Ikalawa, magkaroon ng Universe Marker Position o UMP sa lahat ng 40 available PERA-eligible stocks sa DragonFi list na ginagamit namin. May 41 stocks sa listahang iyon, pero excluded muna ang VREIT habang suspended ang trading nito.

Para makumpleto ang coverage, maaari kaming gumamit ng available cash at mag-rebalance ng ilang existing positions. October goal ito, gamit ang applicable board lot rules sa oras ng execution.

Pero habang lumalawak ang aming coverage, kailangan ding luminaw ang aming risk controls.

Ang pagkakaroon ng marker sa bawat stock ay hindi nangangahulugang palalakihin namin ang bawat position. Selective pa rin ang paglalagay ng mas malaking capital.

Our Method: Ibinabalik Namin ang MAPA

Sa aming Micro Harvesting Portfolio 1.0, live-tested namin ang Strategic Deep Averaging o SDA at ang pag-evolve nito tungo sa SDA Adaptive Layer Model.

Ang modelong ito ay nagbibigay ng accumulation structure na inaangkop sa available capital, stock behavior, at portfolio balance. Pinipili ang active layers; hindi kailangang gamitin ang bawat theoretical layer. Kasama rito ang MAPA bilang boundary para sa paghinto at reassessment.

Balikan ang aming SDA Adaptive Layer Model introduction.

Ang **MAPA—Maximum Allowable Pain Area—**ang tumutukoy kung hanggang saan namin planong tiisin ang unrealized loss bago sabihin:

“Stop. Reassess. Baka broken thesis na.”

Para sa ilan sa aming industry frameworks, ang MAPA ay nasa −28% hanggang −45% Unrealized Profit/Loss, depende sa applicable theme at position assessment.

Personal methodology namin ang mga threshold na ito. Hindi sila universal safe zones, at hindi rin sila prescribed percentages mula sa CSSC materials.

Hindi rin ibig sabihin na hanggang MAPA lamang ang maaaring ibaba ng stock. Maaaring lumampas ang actual loss sa boundary na itinakda namin.

Ang tungkulin ng MAPA ay gawing malinaw ang aming response: ihinto ang automatic averaging down at suriin kung valid pa ang dahilan ng paghawak sa position.

Bakit Hindi Kami Automatic na Nag-e-exit sa −10% UPL?

Sa aming Micro Harvesting framework, ang −10% unrealized loss lamang ay hindi automatic exit trigger. Maaari itong nasa loob ng planned accumulation cycle.

Pero hindi rin automatic refill signal ang −10%.

Bago magdagdag, kailangan naming suriin kung:

• Intact pa ang investment thesis.

• Pasok pa ang position sa allocation limit.

• May available capital para sa applicable SDA layer.

• Walang material development na sumisira sa original investment case.

Aba naman, hindi porke mas mura ngayon ay mas magandang investment na agad.

Kapag humina ang negosyo, lumala ang financial condition, o nagkaroon ng material governance issue, maaaring kailangan nang mag-reassess kahit hindi pa umaabot sa MAPA.

Long-Term ang Capital Commitment

Ang aming PERA portfolio ay nakatuon sa retirement. Ang planning horizon namin ay hindi bababa sa limang taon ng capital commitment.

Gayunman, ang commitment sa portfolio ay hindi obligasyong hawakan ang bawat stock sa loob ng limang taon.

Maaari kaming mag-harvest, mag-rebalance, magbawas, o mag-exit ng individual position habang nananatiling invested ang capital sa loob ng PERA account.

Long-term ang layunin; patuloy na sinusuri ang holdings na gagamitin para maabot iyon.

Ang Aming Dilemma: Consolidation sa Career, Accumulation sa PERA

Sa CSSC Module 11, pinag-aralan namin ang investor life cycle: accumulation, consolidation, at spending or gifting phase.

Dito namin mas naunawaan ang aming sariling sitwasyon.

Sa career stage, nasa consolidation phase na kami. Pero ang PERA account namin ay nasa accumulation stage pa lamang.

Late naming sinimulan ang account. Hindi na namin nakuha ang buong benepisyo ng pagsisimula nang maaga at mas mahabang compounding period.

Pero ang bagong account ay hindi nagre-reset ng aming edad o panahon bago retirement.

Kaya ang aming portfolio construction ay kailangang pagsamahin ang dalawang pangangailangan: bumuo ng retirement capital at protektahan ang pondong mas limitado na ang panahon para mapalitan kung magkaroon ng permanent loss.

Hindi ang paghahabol sa nawalang panahon ang dapat magdikta ng risk. Ang retirement goal pa rin ang dapat manguna.

Liquidity, Risk Tolerance, at Risk Capacity

Sa ngayon, generally wala kaming regular withdrawal requirement mula sa PERA portfolio. Nagbibigay ito ng flexibility para manatiling invested habang volatile ang market.

Pero may dalawang magkaibang tanong:

Tanong	Kahulugan
Kaya ba naming tiisin ang pagbaba?	Willingness to take risk
Kaya ba ng aming finances at retirement timeline ang posibleng loss?	Ability to take risk

Maaaring mataas ang aming willingness, pero kailangan pa ring suriin ang actual capacity.

Kasama rito ang ibang income sources, obligations, emergency reserves, at kahalagahan ng PERA sa aming overall retirement plan.

May pagkakaiba rin ang personal liquidity at portfolio cash. Kahit wala kaming regular withdrawals, kailangan pa rin ng cash reserve sa account para sa planned refills at rebalancing.

Forty Markers, Selective Capital Deployment

Ang UMP coverage goal ay nagbibigay sa amin ng malawak na monitoring coverage. Ang SDA naman ang tumutulong sa selective position building.

Bahagi ng framework	Gamit sa aming portfolio
UMP	Maliit na holding para sa monitoring at documentation
Allocation limit	Hangganan ng capital para sa bawat stock
Active SDA layers	Planned stages ng pagdagdag
MAPA	Boundary para huminto at mag-reassess
Portfolio review	Pagsusuri ng combined exposure at retirement suitability

Mahalagang lesson mula sa portfolio-management discussion ng CSSC: hindi sapat ang bilang ng stocks para masabing diversified ang portfolio.

Mahalaga ang capital weights at kung paano gumagalaw ang holdings kaugnay ng isa’t isa.

Kung maliit lamang ang karamihan ng markers pero concentrated ang malaking capital sa ilang stocks, ang mga malalaking positions pa rin ang pangunahing magdidikta ng portfolio outcome.

At dahil 100% local equities ang focus ng PERA Micro Harvesting, nananatili ang exposure namin sa Philippine equity market risk.

“Our Journey So Far” as Our Feedback Loop

Ang aming journey posts ay bahagi ng portfolio-management process.

Sa bawat update, binabalikan namin ang investor needs, environmental conditions, portfolio performance, at pagsunod sa sariling policy.

Hindi lamang namin tinatanong kung magkano ang kinita. Tinatanong din namin:

• Angkop pa ba ang portfolio sa retirement timeline?

• Valid pa ba ang investment thesis ng bawat active position?

• Nasunod ba ang allocation limits at SDA layers?

• Kailangan bang baguhin ang strategy o policy?

Dito nagiging kapaki-pakinabang ang record ng realized gains, dividends, unrealized results, at transaction costs.

Ang October contribution target at 40-stock marker coverage ay mga konkretong milestones. Ang MAPA, allocation discipline, at regular review ang tutulong upang manatiling nakaayon ang mga hakbang na iyon sa retirement goal.

Mag-a-accumulate kami nang may plano, magmo-monitor nang may record, at magre-reassess kapag nagbago ang investment case.

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Learning reference: Ang discussion sa investor life cycle, investment policy, risk capacity, portfolio weights, at diversification ay informed ng CSSC Module 11 materials: Reilly & Brown, Analysis of Investments & Management of Portfolios, 10th Edition, Chapters 2 and 7. Ang MAPA, SDA, at UMP rules ay aming personal methodologies.

AI Use Note: We may use AI to help prepare visuals, organize ideas, or edit wording. The experiences, decisions, and opinions shared in this post are ours. We review the final content before publishing.

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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.

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Disclaimer

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.

---

Micro Stock Trader Blog

Board Lot Warrior

Ang Inyong Batangueñong Retail Stock Trader

Home | About Us | Contact Us | Privacy Policy | Terms of Use | Disclaimer

Our PERA Micro Harvesting Universe: 41 Stocks, Isang Long-Term na Layunin

Home › Board Lot Warrior › Micro Harvesting › PERA Micro Harvesting › Our Method › PERA Universe

Ang aming PERA Micro Harvesting universe: 41 DragonFi PERA-eligible stocks sa 10 industry groups. Pag-aralan. Piliin. Subaybayan.

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Ang DragonFi PERA universe ang nagbibigay ng malinaw na saklaw sa aming pagpili ng stocks. Pero ang pagkakasama sa listahan ay simula pa lamang ng pag-aaral—bawat position ay kailangan pa rin ng dahilan, sapat na pondo, at maayos na pamamahala.

Originally published: September 30, 2026 · Last updated: September 30, 2026

Links to related posts

• What is PERA?
• How Our PERA Journey Began: Pay Ourselves First
• A Long-Term Goal with an Active Method
• PERA Universe Marker Position
• Ano ang Capital Markets?

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Nilalaman

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Sa aming PERA Micro Harvesting journey, hindi lang “Ano ang bibilhin natin?” ang mahalagang tanong.

Kailangan munang itanong: “Ano ang mga stock na maaari nating pagpilian sa aming PERA account?”

Batay sa DragonFi list na ginagamit namin, may 41 stocks na eligible for PERA, na nakapangkat sa 10 industry categories. Ito ang nagsisilbing PERA Micro Harvesting Universe namin.

Dito nagsisimula ang aming research, watchlist, at pagpili ng aktuwal na holdings.

Ala eh, hindi porke kasama sa listahan ay kailangan nang bilhin. Ang layunin namin ay makabuo ng retirement portfolio na kaya naming unawain, pondohan, at pangasiwaan.

Journey: Bakit kailangan namin ng malinaw na universe?

Noong nagsimula kami sa PERA, nakatuon muna ang aming pansin sa contributions at unang orders.

Magkano ang available cash? Ilang shares ang kasya? Ano ang minimum board lot? Magkano ang total cost kapag kasama na ang fees?

Habang nagpapatuloy ang aming pag-aaral, naging malinaw na kailangan din naming ayusin ang saklaw ng pagpipilian.

Maraming stocks sa Philippine market, pero ang aming PERA account ay may sariling listahan ng eligible stocks. Kaya mahalagang magkaroon ng reference na maaari naming balikan bago mag-research o maglagay ng order.

Ang universe ang mapa ng aming pagpipilian. Sa pamamagitan nito, mas nagiging organisado ang pag-aaral at mas malinaw kung saan nakatuon ang aming pansin.

Universe, watchlist, at portfolio: Magkakaibang bahagi ng proseso

Hindi lahat ng nasa universe ay nasa watchlist. Hindi rin lahat ng nasa watchlist ay magiging aktuwal na holding.

Bahagi	Kahulugan sa aming PERA Micro Harvesting
Universe	Buong reference list ng PERA-eligible stocks
Watchlist	Mga stock mula sa universe na mas tutok naming pinag-aaralan
Portfolio	Mga stock na mayroon na kaming aktuwal na holdings

Ang pagkakasama sa universe ay nangangahulugang maaari naming isaalang-alang ang stock. Ang pagkakasama sa watchlist ay nangangahulugang may dahilan para pag-aralan ito nang mas malalim.

Ang pagbili naman ay nangangailangan ng mas konkretong desisyon: bakit ito, bakit sa presyong iyon, at gaano kalaking kapital ang ilalaan?

Ano ang maaaring bilhin sa DragonFi PERA?

Kasama sa investment choices sa DragonFi PERA ang:

• Stocks na kabilang sa PSE Index (PSEi)
• Dividend Yield Index stocks
• Real Estate Investment Trusts (REITs)
• PERA-specific Unit Investment Trust Funds (UITFs)

Gayunman, sa aming PERA Micro Harvesting, 100% local equities ang aming investment focus, kabilang ang eligible REIT shares. Hindi namin kasalukuyang ginagamit ang PERA-specific UITFs sa pamamaraang ito.

Ang 41-stock universe na nakatala sa post na ito ang aming reference para sa direktang pagpili at pag-monitor ng equity positions. Kinukumpirma pa rin namin ang eligibility at availability sa DragonFi bago maglagay ng order.

Ang aming 41-stock PERA universe

Narito ang listahan, gamit ang industry grouping sa aming DragonFi reference:

Industry	Mga stock ticker	Bilang
Banks	BDO, BPI, CBC, MBT	4
Casinos & Gaming	PLUS	1
Electricity, Energy, Power & Water	ACEN, MER, MYNLD, SCC, SGP	5
Food, Beverage & Tobacco	CNPF, DNL, EMI, JFC, MONDE, URC	6
Holding Firms	AC, AEV, DMC, GTCAP, JGS, LTG, SM, SMC	8
Mining	NIKL, OGP	2
Property	ALI, AREIT, CREIT, DDMPR, FILRT, MREIT, PREIT, RCR, RLC, SMPH, VREIT	11
Retail	PGOLD	1
Telecommunications	GLO, TEL	2
Transportation	ICT	1
Kabuuan	PERA-eligible stocks sa reference list	41

Source: DragonFi PERA-eligible stock list na ginagamit para sa post na ito. Kinukumpirma namin ang eligibility at availability sa platform bago maglagay ng order.

Ang industry grouping ay gabay sa pag-aayos ng listahan. Para sa mas malalim na research, pinag-aaralan pa rin namin ang aktuwal na negosyo at exposures ng bawat kumpanya.

Method: Paano namin ginagamit ang universe?

1. Kinukumpirma ang eligibility at tamang ticker

Bago ang chart at entry price, tinitingnan muna namin kung available ang stock sa aming PERA account.

Kinukumpirma rin namin ang company name at ticker upang ang research at order ay tumukoy sa stock na talagang balak naming bilhin.

Simple itong hakbang, pero mahalaga sa maayos na proseso.

2. Inaalam ang negosyo at dahilan ng paghawak

Hindi sapat na pamilyar ang pangalan ng kumpanya o madalas itong napag-uusapan.

Gusto naming masagot ang mga sumusunod:

• Paano kumikita ang negosyo?

• Ano ang pangunahing panganib nito?

• Bakit namin ito gustong hawakan?

• Ano ang magiging papel nito sa aming portfolio?

Maaaring pinag-aaralan namin ang isang stock para sa dividends, long-term growth, o maliit na marker position para sa mas malapit na monitoring. Anuman ang dahilan, kailangan itong malinaw bago dagdagan ang kapital.

3. Sinusukat ang board lot laban sa aming pondo

Para sa maliit na account, mahalaga ang halaga ng minimum board lot.

Hindi pare-pareho ang kapital na kailangan para sa isang lot ng bawat stock. Ang isang board lot ay maaaring maliit na bahagi lamang ng portfolio, pero maaari rin itong gumamit ng malaking bahagi ng available cash.

Kaya ang position size ay sinusukat namin sa halaga sa pesos at bahagi ng kabuuang portfolio, hindi lamang sa dami ng shares.

Ala eh, maliit man ang bilang ng shares, maaari pa ring malaki ang perang nakataya sa position.

4. Pinagsasama ang business review at technical monitoring

Sa aming Micro Harvesting method, bahagi ng monitoring ang price charts, Bollinger Bands, moving averages, MACD, at RSI.

Ginagamit namin ang mga ito upang makatulong sa pag-aaral ng entry, refill, hold, at harvest. Pero kailangan pa ring iugnay ang nakikitang signal sa negosyo, position size, at available cash.

Kapag may technical setup pero kulang ang dahilan o pondo, maaari muna itong manatili sa watchlist.

Hindi lahat ng signal ay kailangang sundan ng order.

5. Itinatala ang bawat aktuwal na aksiyon

Kapag may buy o sell, kasama sa aming record ang petsa, ticker, shares, presyo, fees, at dahilan ng transaction.

Mahalaga rin ang position pagkatapos ng trade. Nadagdagan ba ang concentration? Nabawasan ba ang cash? Tugma pa ba ang holding sa orihinal na dahilan ng pagbili?

Sa ganitong paraan, nasusuri namin ang proseso at hindi lang ang resulta.

Ang papel ng PERA Universe Marker Position

Sa aming approach, ang PERA Universe Marker Position ay maliit na paunang holding—karaniwang isang board lot—na ginagamit para sa mas malapit na monitoring ng isang napiling stock.

May pagkakaiba ang pagtingin sa stock bilang nasa watchlist lamang at pag-monitor dito bilang aktuwal na holding. Kapag may position na, mas konkretong nakikita ang cost, fees, price movement, at epekto nito sa account.

Pero hindi ibig sabihin nito na kailangan naming magkaroon ng marker sa lahat ng 41 stocks.

Kahit marker position, gumagamit pa rin ito ng totoong kapital. Kapag maraming markers ang sabay-sabay na binuo, maaari ring lumaki ang kabuuang pondong nakalaan sa kanila.

Kaya pinipili namin kung alin ang kailangan ng aktuwal na marker at alin ang sapat munang bantayan sa watchlist.

Bakit hindi kailangang bilhin ang buong universe?

Ang universe ay nagbibigay ng pagpipilian. Ang laki ng aming account at kalidad ng aming pag-aaral ang tumutulong magtakda kung ilan ang kaya naming pangasiwaan.

Bawat holding ay nangangailangan ng kapital, oras, at monitoring. Kapag sobra ang dami, maaaring maging mahirap sundan ang dahilan ng bawat position at ang kondisyon para sa susunod na aksiyon.

Mas gusto naming malinaw ang papel ng bawat hawak:

Bakit namin ito binili? Ano ang babantayan namin? Kailan namin ito muling susuriin?

Puwedeng lumawak ang aming kaalaman sa universe habang nananatiling limitado ang aktuwal na holdings.

Diversification: Higit pa sa bilang ng ticker

Sa aming reference list, pinakamalaki ang Property group, na may 11 sa 41 stocks. Kasama rito ang property developers at ilang REITs.

Gayunman, ang bilang ng stocks sa isang grupo ay hindi awtomatikong allocation target. Hindi dahil pinakamalaki ang Property group sa listahan ay kailangan ding pinakamalaki ang allocation namin dito.

Sa portfolio review, tinitingnan namin kung saan nakalaan ang kapital at kung magkakaugnay ang panganib ng mga holdings.

Maaaring marami ang ticker, pero malaki pa rin ang exposure sa iisang bahagi ng ekonomiya. Kaya mahalagang suriin ang bigat ng bawat position at sektor, kasama ang cash na natitira.

Record at reflection: Eligibility ang simula ng pagsusuri

Ang pinakamahalagang aral namin sa pagbuo ng PERA universe ay ito:

Ang eligibility ay simula ng pagsusuri, hindi awtomatikong dahilan para bumili.

Hindi nito sinasagot kung makatuwiran ang kasalukuyang presyo, kung angkop ang stock sa aming method, o kung tama ang laki ng position para sa aming account.

Hiwalay din ang PERA eligibility sa personal na ethical o Shariah screening. Ang pagkakasama sa platform list ay hindi kapalit ng pagsusuring iyon.

Para sa amin, ang 41-stock universe ay nagbibigay ng malinaw na saklaw. Sa loob nito, patuloy kaming pumipili, nag-aaral, at nagtatala.

Long-term ang layunin ng aming PERA Micro Harvesting: makabuo ng retirement capital sa pamamagitan ng regular na contributions at disiplinadong portfolio management.

Aktibo ang method, pero kailangang may dahilan ang bawat aksiyon.

Hindi namin kailangang bilhin ang buong universe. Ang kailangan ay makabuo ng portfolio na may malinaw na direksiyon—at kayang pangasiwaan habang nagpapatuloy ang aming journey.

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AI Use Note: We may use AI to help prepare visuals, organize ideas, or edit wording. The experiences, decisions, and opinions shared in this post are ours. We review the final content before publishing.

---

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.

---

Disclaimer

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.

---

Micro Stock Trader Blog

Board Lot Warrior

Ang Inyong Batangueñong Retail Stock Trader

Home | About Us | Contact Us | Privacy Policy | Terms of Use | Disclaimer

MH Operator Journal Entry 7: ICT Technical Follow-Through Partial Harvest at ₱1,002

Home › Board Lot Warrior › Micro Harvesting › Micro Harvesting 2.0 › MH Operator Journal › ICT › Journal Entry 7 › ICT Technical Follow-Through Partial Harvest at ₱1,002

MH Operator Journal Entry 7. We sold another 30 ICT shares at ₱1,002 as favorable intraday technical conditions followed the liquidity-driven 20-share partial release recorded in Journal Entry 6. The 500-share anchor remains intact, with 20 rotational shares remaining.

👉 Explore the full Micro Harvesting 2.0 framework

👉 Start Here | CSSC Learning Series | MH Application Series | MH Operator Journal

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Yesterday’s ICT sale was driven primarily by portfolio liquidity. Today, the market gave us a better technical setting to release another 30 rotational shares at ₱1,002—without touching the 500-share anchor.

Originally published: August 8, 2026 · Last updated: August 12, 2026

Links to related posts

• ICT Stock Study 6: Capital Allocation ng Isang Core Anchor
• ICT Stock Study 7: ICT Updated Valuation
• Bollinger Reversion Series: A Formal Setup-Based Series Within the MH Operator Journal
• MH Operator Journal Entry 2: ICT Middle-Band Re-entry, Completed Roundtrip, at RTS Accumulation
• MH Operator Journal Entry 6: ICT Liquidity-Driven Partial Release
• Micro Harvesting 2.0 Investment Policy: Ang Constitution ng MH Money Machine

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Nilalaman

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Transaction Snapshot

Transaction date: August 7, 2026
Stock: International Container Terminal Services, Inc.
Ticker: ICT
Action: Technical Follow-Through Partial Harvest
Shares sold in this entry: 30 shares
Selling price: ₱1,002 per share
Gross proceeds: ₱30,060

The Transaction

We sold an additional 30 ICT shares at ₱1,002 on August 7, 2026.

This entry records only today’s transaction. It follows MH Operator Journal Entry 6, which separately documented the liquidity-driven release of 20 shares at ₱1,000 on August 6.

Although the two transactions are related, they remain distinct journal entries because their primary decision contexts were different.

Relationship to Journal Entry 6

Journal Entry 6 recorded a:

Liquidity-Driven Partial Release

The sale of 20 shares at ₱1,000 was primarily intended to recover portfolio liquidity. Technical conditions provided context, but liquidity requirements remained the controlling consideration.

Journal Entry 7 records a:

Technical Follow-Through Partial Harvest

By the following trading day, ICT presented a more favorable short-term technical setting. This allowed us to sell another 30 rotational shares at a slightly higher price without disturbing the 500-share anchor.

The second transaction did not revise or replace the purpose of Journal Entry 6. It extended the rotational reduction under a newly favorable technical context.

Intraday Technical Context

At approximately 11:48 a.m., ICT was trading around ₱1,000 after reaching an intraday high of ₱1,003.

The three-minute chart showed the following approximate readings:

• Bollinger upper band: ₱1,003
• Bollinger middle band: ₱1,000
• EMA-200 ribbon: ₱995–₱997
• SMA-50: ₱994
• RSI: 57.01

The sale at ₱1,002 was executed close to the upper Bollinger Band and immediately below the ₱1,003 intraday high.

Short-term momentum remained generally positive, but signs of moderation were already visible. The MACD lines were flattening, the histogram had turned slightly negative, and RSI had retreated from its earlier intraday level.

Price subsequently moved back toward the ₱1,000 middle-band area.

Setup Classification

Today’s 30-share sale is classified as an:

ICT Technical Follow-Through Partial Harvest

The action was supported by:

• price reaching the ₱1,000–₱1,003 resistance area;
• execution near the intraday upper Bollinger Band;
• weakening short-term momentum;
• RSI retreating from its earlier high;
• and the opportunity to reduce rotational exposure at a favorable price.

The upper band was not treated as an automatic sell signal. It served as a price-location reference supporting a measured partial harvest.

Portfolio Position After the Sale

Before Journal Entry 6, our ICT position consisted of:

• 500 Anchor Shares
• 100 Rotational Trading Shares
• 600 total shares

After the 20-share release recorded in Journal Entry 6 and the additional 30-share sale recorded here, the position becomes:

• Anchor Shares: 500
• Remaining Rotational Trading Shares: 50
• Total ICT position: 550 shares

The complete 500-share anchor remains intact. The transactions reduced only the rotational portion of the position.

Consolidated Two-Day Outcome

Although the sales are recorded separately, they may be viewed together as a related two-day reduction:

• August 6: 20 shares sold at ₱1,000
• August 7: 30 shares sold at ₱1,002
• Combined shares sold: 50
• Combined gross proceeds: ₱50,060
• Weighted average selling price: ₱1,001.20 per share

This consolidated result is presented only as a portfolio summary. The 20-share transaction remains recorded under Journal Entry 6, while Journal Entry 7 records only the succeeding 30-share sale.

Liquidity and Technical Execution Working Together

The sequence demonstrates that liquidity management and technical execution do not have to operate separately.

The first transaction addressed an immediate portfolio requirement. The second transaction took advantage of a more favorable short-term price location.

The technical setup did not retroactively change the purpose of the first sale. Instead, it improved the overall quality of the two-day rotational reduction.

Replacement Remains Optional

The proceeds from both transactions return first to portfolio liquidity and dry powder.

A future repurchase of the 50 shares remains an option, not an obligation.

Trading below the ₱1,001.20 combined average exit price would not, by itself, justify replacement. ICT must also present an acceptable technical setup, price location, valuation context, and portfolio liquidity condition.

Until those gates align, the remaining cash may be retained or deployed elsewhere in the portfolio.

Final Reading

Journal Entry 7 records a disciplined technical follow-through sale of 30 ICT shares at ₱1,002.

It complements—but does not duplicate—the liquidity-driven 20-share release documented in Journal Entry 6.

Together, the two transactions reduced rotational exposure by 50 shares at a weighted average selling price of ₱1,001.20 while preserving the complete 500-share core anchor.

The result is a clean journal sequence:

Journal Entry 6 recorded the liquidity decision. Journal Entry 7 recorded the favorable technical follow-through.

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Update: Afternoon Session — Additional 10 Shares Harvested at ₱1,005

Update: August 7, 2026, afternoon session

After the morning transaction documented in this Journal Entry, ICT continued to trade favorably during the afternoon session. We therefore sold an additional 10 Rotational Trading Shares at ₱1,005.

This does not change the original reading of Journal Entry 7. The 30-share sale at ₱1,002 during the morning session remains the Technical Follow-Through Partial Harvest documented above. The additional 10-share sale simply extended the same rotational reduction when ICT offered us an even better selling price later in the day.

For August 7 alone, our transactions were:

August 7 Transactions

• Morning session: 30 shares sold at ₱1,002
• Afternoon session: 10 shares sold at ₱1,005
• Total shares sold for August 7: 40 shares
• Gross sales: ₱40,110
• Gross weighted average selling price: ₱1,002.75 per share

Daily Closing Portfolio Position — August 7, 2026

• Anchor Shares: 500
• Rotational Trading Shares: 40
• Total ICT Position: 540 shares
• RTS Average Buy Price: ₱972.49

The afternoon transaction reduced our remaining Rotational Trading Shares from 50 to 40 shares, while the 500-share ICT Anchor remained completely intact.

Daily Closing Portfolio Position — August 7, 2026

At the close of the August 7 trading session, our ICT position stood at:

• Anchor Shares: 500
• Rotational Trading Shares: 40
• Total ICT Position: 540 shares
• RTS Average Buy Price: ₱972.49
• Broker Average Net Price: ₱973.36

August Month-to-Date Rotational Sales

For proper reconciliation, we separately track the cumulative August transactions:

• August 6: 20 shares sold at ₱1,000 — Liquidity-Driven Partial Release
• August 7, morning: 30 shares sold at ₱1,002 — Technical Follow-Through Partial Harvest
• August 7, afternoon: 10 shares sold at ₱1,005 — Extension of the Technical Follow-Through
• Total Shares Sold MTD: 60 shares
• Gross Sales MTD: ₱60,110
• Gross Weighted Average Selling Price: ₱1,001.83 per share
• Net Proceeds MTD: ₱59,872.57

The original sections of this Journal Entry remain unchanged because they accurately preserve the circumstances of the morning-session decision as it happened. This update records what followed during the afternoon and provides the closing portfolio position after all August 7 transactions.

What began as the Liquidity-Driven Partial Release in Journal Entry 6 therefore continued into a technically favorable reduction on August 7. The reasons for the individual transactions remain distinct, but by market close they form part of the same developing sequence of disciplined RTS reduction.

Journal Entry 6 recorded the liquidity decision. Journal Entry 7 recorded the technical follow-through. The afternoon session extended that follow-through at a better price.

---

Shariah Compliance Advisory (Updated Nov 26, 2025)

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.

• Micro Stock Trader: 2024 List of Shariah-Compliant Stocks at PSE – As of December 25, 2024

Ang post na ito ay bahagi ng aming personal learning journey sa securities analysis at portfolio governance. Ang mga konseptong may kaugnayan sa interest-based instruments, conventional bonds, preferred shares, o iba pang financial arrangements ay binabanggit lamang bilang bahagi ng academic coverage ng module at hindi bilang rekomendasyon o endorsement.

---

Disclaimer

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.

---

Micro Stock Trader Blog

Board Lot Warrior

Ang Inyong Batangueñong Retail Stock Trader

Home | About Us | Contact Us | Privacy Policy | Terms of Use | Disclaimer

Micro Harvesting 2.0 Investment Policy: Ang Constitution ng MH Money Machine

Home › Board Lot Warrior › Micro Harvesting › Micro Harvesting 2.0 › MH Application Series › Micro Harvesting 2.0 Investment Policy 

The Micro Harvesting 2.0 Investment Policy defines the rules, constraints, and governance structure of the MH Money Machine.

👉 Explore the full Micro Harvesting 2.0 framework

👉 Start Here | CSSC Learning Series | MH Application Series | MH Operator Journal

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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 | ◀︎ | ▶︎ | 

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Nilalaman

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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.

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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.

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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?

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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.

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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.

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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

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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.

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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.

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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.

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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?

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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.

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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

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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.

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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.

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Course Attribution and Intellectual Property Notice

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.

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Shariah Compliance Advisory (Updated Nov 26, 2025)

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.

• Micro Stock Trader: 2024 List of Shariah-Compliant Stocks at PSE – As of December 25, 2024

Ang post na ito ay bahagi ng aming personal learning journey sa securities analysis at portfolio governance. Ang mga konseptong may kaugnayan sa interest-based instruments, conventional bonds, preferred shares, o iba pang financial arrangements ay binabanggit lamang bilang bahagi ng academic coverage ng module at hindi bilang rekomendasyon o endorsement.

---

Disclaimer

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.

---

Micro Stock Trader Blog

Board Lot Warrior

Ang Inyong Batangueñong Retail Stock Trader

Home | About Us | Contact Us | Privacy Policy | Terms of Use | Disclaimer