How to Make One Million in Stock Market or Mutual Fund

In my previous episode on “The Formula of Saving Money” under the series “1 Million Peso Challenge in Investing in stock market and or mutual fund”, I talked about how to save money first before diving into investing in stocks or mutual fund.

This time, we’ll discuss how to make one million in stock market or mutual fund.

Before we delve into this topic, let me remind you that investing in stock market or even in mutual fund is a very risky business if you don’t know how to do it.

That’s why I recommend that you watch the series “1 Million Peso Challenge in Investing in stock market and or mutual fund” from the very beginning.

So, do you want to become a millionaire? Who aren’t? Well, everybody does; but knowledge must come beforehand or else, you’ll do it in the most ridiculous way.

Let’s start by doing this in mathematics. Oops, don’t worry, I will not be using algebra here; just a simple MDAS operation.

Since we already know our goal and that is to make one million, let me show you a simple example.

If you get to save 1 million by 1 peso per day, how many times do you think it is? Obviously, the answer is:

PhP 1.00 a day                =            1,000,000 times

Easy, right?

However, that amount of time is too long to save a million. So what would you do? Simple; you just have to increase the amount of your savings.

Say, instead of 1 peso, let’s increase it by 10 pesos a day.

Now we get:

PhP 10 a day                    =            100,000 times

You can even lower the number of times by increasing it even more.

Let’s go further… If you save 100 a day, now you get:

PhP 100 a day                  =            10,000 times

Cool, right? Now you need only 10,000 times to make your first million. But still it’s way too long to save one million.

What if we increase it even more?


PhP 1,000 a day               =            1,000 times.

Wow, we’re almost there. But the question is, can you save 1,000 pesos a day for 30 days? I don’t think so. Because if you do, you’re rich by now and don’t need to watch nor hear what I’m saying on this video.

Let’s be more practical and realistic. Instead of saving every day, let’s do it monthly.

Say you can save 1,000 pesos a month. How many years do you think you make one million?


PhP 1,000 per month     =            83.3 Years

Oh my… 83.3 years? Are you kidding me? No, I’m not. That’s the reality. You need 83.3 long years to make your first million by saving 1,000 pesos a month.

So, is there a better solution? Let’s go down further.

Say, this time you want to save 3,000 pesos a month. That would be:

PhP 3,000 per month     =            27.7 Years

Oh yeah. You’re almost there… But still it’s way too long. Hello, 27.7 years?

That’s why so many people are not keen on saving money because this is what they knew. It’s simple mathematics.

Even if you save 5,000 pesos per month, it would take 16.6 years to make a million.

PhP 5,000 per month     =            16.6 years.

For most of us, this is lengthy too; and truly, time is your number one ENEMY here.

To shorten the time, even if you save 10,000 pesos a month, it would take you 8.3 years to be a millionaire; and unfortunately at this time, it’s impossible to save this amount monthly even if you are earning 20,000 pesos a month from your salary.

Taking half of it is a pain in your monthly expenses.

So now, is there any better solution? The answer is a big YES!

Let’s talk about savings in the Bank and investing in stock market.

First let us discuss the benefits of saving your money in the Bank.

As you may know, the interest rate of your money saved in Bank is as little as 0.25%. Let’s calculate how much time you need to make one million in the Bank.

I didn’t include the interest on the data above to simplify the process. As you can see, it took 30 years to reach one million in your 3,000 pesos savings every month.

18 years for 5,000 pesos.

9 years for 10,000 pesos.

And 4.5 years for 20,000 pesos.

Why did I intend to include this in my discussion? Because there are people who wants to play safe most of the time. They simply doesn’t want to take the risk because for them, stock market investment is a risky business.

That is absolutely true and I agree 100% if you do not know the secret. For most of them, their maxim is “it’s better save our hard earn money in the Bank than losing it in the stock market in just a snap of fingers’. And that is happening right now.

According to, PSEi is already down by 34.84% since July of 2019.

So if you invest last year, say one million pesos, your money as of April 25 will be down to more or less 651,600.00 pesos. Only if you invest the whole amount last year and did not invest gradually.

Even worse, the market was down by 44.81% last March 23 and it luckily bounced back on March 24.

But still, you cannot say 100% sure that it will recover anytime soon nor it will drop again. As of the time of this video, PSEi was down again by 8% since its highest peak last April 15.

Since no one can time the market, what are you going to do now? All you need is watch this video until the end because I will show you the secret formula.

Since we have already discussed how you can make one million in the Bank, let’s discuss a better solution to speed up the process of accumulating one million.

Before that, I’d like to compare the two important words in stock market:

Investing vs Trading.

For my own viewpoint, investing is the safest way to make money on stock market by gradually building your wealth over an extended period of time through buying and holding of stocks and or mutual fund.

While, trading is a risky business because it involves buying and selling of stocks frequently. Although for some, especially seasoned traders, they are expert and has accessed to big data which can generate more revenue than investors.

While investors are happy with its annual returns of 10% to 15%, traders can maximize its return of up to 20% to 30% monthly. That is exactly why there are many beginners, even traders who are already in this business for so long, yet failed to accumulate fortune in stock market.

We cannot deny that there are some who can outsmart the stock market, but there were only few of them.

That’s why in this video, I am very much interested to teach you on investment rather than on trading.

Let me show you how you can make one million in stock market or mutual fund depending on the amount of money you invest and the time horizon you select.

Here it is:

Let’s compare the time you invest in bank:

As you can see, it took only 13 years in stock market or mutual fund to reach one million on 3,000 pesos monthly investment than 30 years in the Bank.

Take time to compare the other amount and the time horizon you want to build your fortune.

Surely, this is not a rich-quick-scheme in accumulating your fortune but this is still by far the safest and easiest way. The only thing you need is self- discipline and the objective to invest monthly until you reach your desired goal.

So what is the secret formula in investing?

Invest consistently every month, choose your time horizon and choose only blue chips stocks.

In short:

Monthly Investment + Number of Years + Blue Chips Stocks = Fortune

Still not convince? Here’s another proof that can support this theory.

In the graph, since 1987, the price of the whole index of PSE is at 521.64. Today’s price is at 5,464.98 even at the time of pandemic or recession. Do you know how much is the growth of the index fund? 1,143%, yeah, that’s 1,143% since 1987. 33 years after.

I hope that you learn something from this video. If you have any question, just comment below and I’ll try my best to answer it during my free time.

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