Monday, November 10, 2014

2 Ways on How To Financially Prepare for Retirement


Thinking about the day when you retire, are you going to be a blessing or a burden to your family and loved ones?

My Motivation

One of the reasons why I invested in Stock Market is because I wanted to plan for my retirement. That was when I was at age 24. Now, you might be thinking why I am planning about retirement when I am just in my 20's. Well, I'll tell you what motivated me. 

When my grandfather retired from work, he was able to get a large sum of money. He gave some portion to his sons and used some to support his candidacy in our municipality as a councilor. Sad thing is he didn't win and after a few years, he died. Since my grandmother only stayed at home and relied heavily in my grandfather's income, it was really a struggle - financially. My grandfather didn't have any savings left for my grandmother and so, my grandmother has to rely on her children. My father and uncles have their own families and therefore, only my aunt is able to provide my grandmother with a regular allowance. Seeing how things turned out, I started thinking about how I can avoid depending on the younger generations when I grow old. I fantasized. I dreamt and I envisioned myself to be financially capable of providing for myself when time comes that I can no longer work. But how can I do that if my savings would only give a few interest in banks. I couldn't even buy a happy meal with that. How can it even support me when I retire?

In order for me to have bigger interests, I need to save a large amount of money. But I can't set aside a big portion of my salary since I have to give financial support to my family. I am the eldest among the 5 of us. As some eldest children from a not-so-well-off family know, there is this unspoken responsibility to support the younger siblings when you start earning money. And so, I have to pay for the house rent, the utility bills, the grocery expenses and other financial obligations for myself and for my family.

With my everyday personal expenses, plus financial obligations and emergencies, will having a million peso saving in future even possible?


How Can We Prepare?

I know that I won't be able to get a large of money at an instant (unless I place a bet in lotto and win) so I need to act now, save a portion of my income and invest. And so I research for ways and found out that these two can help me in achieving my goal to be able to support myself even after retirement.
1. Stock Market Investment

As I mentioned before, you can start with this kind of investment with a minimum amount of 5,000 pesos. You can open your account in an online broker and use your initial investment of 5,000 pesos to buy shares. Every month, allot a portion of your salary and deposit to your account. Accumulate shares until you've reach a target price to sell your shares. Once sold, reinvest by buying shares again. This time, your buying power becomes higher since your money have already increased in value with the profit you got from selling previous shares. Putting your money in stock market helps you restrain yourself from easily withdrawing your savings since they are in a form of shares. You still have to sell them before getting your funds back. Stock market investment helps you avoid getting emergency funds from your savings.


2.Unit Linked Insurance Plan

What is Unit Linked Insurance Plan? According to www.investopedia.com, it is a type of insurance vehicle in which the policyholder purchases units at their net asset values and also makes contributions toward another investment vehicle. Unit linked insurance plans allow for the coverage of an insurance policy, and provide the option to invest in any number of qualified investments, such as stock, bonds or mutual funds.

Last year, I got my unit linked insurance plan. With this plan, I invest 20,000 pesos yearly which I pay at a quarterly basis. Why did I get this product? The unit linked insurance plan is a combination of insurance and investment. A portion of my 20,000 pesos given yearly is paid for the insurance and the other portion is invested in stocks. Now, I have both insurance and investment. This means that if anything happens to me, my beneficiaries will get a certain amount of money which is a minimum of half a million because of my insurance. For the investment portion, as time passes, I am able to buy stocks year after year. The stocks accumulate and when maturity comes, I can start withdrawing portions of my investment. This is what I can use for my retirement when I stop working. Like the stock market investment, this product will aid you in saving up for your future. Not only that, it also has an insurance which will benefit your family and loved ones.


In our culture, a lot of parents and grandparents are being supported by younger generations. This is because the older generation spent their earnings to support their family. They weren't able to plan for their future when they grow old and stopped working. As someone who experience this kind of set up, I am deeply motivated to save up for my future. When I grow old, I want to still be capable of supporting myself so that younger generation can focus more on preparing for their future.
 
We can be a blessing to our loved ones when we retire by saving up as early as now or we can scrap the idea of saving now, knowing that in the future there will be younger generations who will support you. And the cycle just repeats. Younger generation supports the older ones instead of younger generations building their own wealth for their future. It is up to us whether we would like to be a blessing or a burden to our family when we grow old. The solution is given - invest while you are still young. Only our actions are needed.

Tuesday, June 10, 2014

Financial: Are you #Fit2BreakFree? The #BrighterLife with #SunLifeFinancial

Philippines will be celebrating its Independence Day on June 12.. Though our country is free from the colonial rule of Spain, are we sure that at present every Juan is free?

Juan's Past and Present Battles

Our history presents a series of battles...battle against the Spaniards, against the Japanese, and even against dictatorship. Today, we don't have the Spaniards to reign over the country, no Japanese to rule over us, no martial law to dictate what we should do. But I believe we still have one battle from the past that only few has won over. The battle for financial freedom.

Juan and His Finances

On June 5, I was invited in Sun Life's #Fit2BreakFree Event at the Prost Braumeister in Bonifacio Global City. Sun Life shared the result of the survey conducted by Social Weather Stations, a social research organization whom Sun Life partnered with.

From the 1200 respondents nationwide, ages 18 and above and from different status, a conclusion is made that 9 out of 10 Filipinos have experienced shortage in the past 12 months.

According to the respondents, the following are the causes of the shortage or kakapusan:
1. Rising prices of commodities
2. Earning Less
3. Unexpected expenses
4. Not able to plan well

And to cope up for the shortage, here are what the respondents do or will do:
1. They controlled or will control their spending
2. Look for additional sources of income
3. Borrow from relatives, friends/neighbors or money lenders or even sell or mortgage properties.

Sounds familiar? We might have tried or thought about at least one of the items above to cope up for our shortage in finances. The "Kapus" experience is prevalent to lower socio-economic classes as per the survey but the more surprising and interesting finding is that this "Kapus" experience prevails even those with higher income brackets.

Before, I thought that if I will have more money, I won't be experiencing shortage anymore. I guess that's not true all the time. It's not just having more and more money. It's also managing your resources.

What Should Juan Do?

Filipinos are very familiar of this saying.  "Kapag maikli ang kumot, matutong mamaluktot." I can't give the direct transalation to English but this just means that when a blacket is short, you have to curve your body to be fully covered by the short blanket.

We are proud that Filipinos are very patient, enduring and understading and we live by what we have. We act contented but the harsh truth is, since we are "kapus" and our blanket or budget is short, we set aside our own and our family's needs.

"So instead of adjusting to fit in the shorter blanket, isn't better if we have a bigger blanket?", the speaker in the #Fit2BreakFree event said. And I couldn't agree more on that. Our blanket might be short now, but let's work on creating or sewing a bigger one. That is what Juan should do.

Starting Steps Towards Financial Freedom

Together with Sun Life, let's make sure that June is not just a celebration of the Independence from the Spaniards but also a start of our independence from financial enslavement. In every battle, a soldier needs to be FIT so as we are fighting for our Financial Independence, we need to be F.I.T. Sunlife Financial introduces this "F.I.T." concept.

1. Be F.I.T.
                Attend any of the Financial Independence Trainings (F.I.T) if you need any personalized or customized solution for your needs.
2. More F.I.T.
                Schedule a Financially Independent Tomorrow (F.I.T.) Review with a Sun Life advisor
3. Get F.I.T.
                Take the online Financial Intelligence Test (F.I.T.) to know where you are in the Money Meter. Go to Facebook.com/SunLifePH to take the test.
4. Stay F.I.T.
                Check out videos, blog articles and more on SunLife's Facebook, Instagram and Twitter (F.I.T.).


Sun Life Financial is very aggressive in spreading financial literacy to every Juan and to help them in this advocacy, they brought in a new member of the #BrighterLife Family. Sun Life's new digital ambassador is no other than #TeamKramer.




It was a great experience seeing this beautiful family and hearing from them their own saving and investing tips and how Doug and Cheska introduce money concepts to their kids. For generations, Sun Life has been a part of their family's life. From Cheska's parents down to her children, saving and investing is being practiced.

For me as a young professional, I started different forms of saving and investing from stock market to mutual funds. I thought that only at this point in my life that I can accumulate wealth by working. When I grow old, I won't be accepted in companies anymore. Therefore, I will have no source of income to supply for my needs. That's why as early as now, I save and invest. I started sewing my big blanket so when the rainy season comes, I can sleep tightly and relaxed knowing that I am well-covered.

There is still hope for Juan. Start investing and saving now. Talk to financial advisors and create the brighter future..the brighter life.


Monday, June 2, 2014

Stock Favorite: Metrobank MBT Cash Dividend Received



Harvest time has come for those who planted seeds of Metrobank (MBT) shares!

Last April, I created a blog post regarding the approval of the Board of Directors for MBT cash dividend. If you have acquired shares from that day up to May 1, 2014 (since May 2, 2014 is the ex-date), you are entitled on getting cash dividend of Php 1.00 for every share that you have until May 1, 2014. This cash dividend should be credited to your COL Financial account on May 16, 2014 and an email notification should be sent to your e-mail address. See sample notification below:




Hope you did follow our suggestion to purchase MBT shares last April. If you have any quiries, feel free to contact me through the "Contact Me" form:


Get your free ebook on Stock Market Investment here.



Happy Investing!


May Success be to you,

Pocketwise Pinoy Author



Sunday, June 1, 2014

PWP Stock Favorite: Updates on the Stock Ratings


Have you been following our Pocketwise Pinoy (PwP) Stock Favorite table?
I have updated the table based on the current actions I am taking.


As of today, below are some of the stocks I am investing in and they were summarized in our PwP Stock Favorite Table.




I am still buying SMPH, MBT and MEG but for DNL, I sold all my shares.


Last May, I sold my shares at Php 9.75. I bought them at Php 7.04. This gave me a profit of 38%. I was hoping it will go up but few weeks after, DNL went down so I waited for the price to go up again. Just this morning, DNL's price opened at Php 9.30 but in a few hours, it went up to Php 9.80 pesos. I was able to sell mine at Php 9.79. Now, I will be reinvesting my funds from selling DNL by buying more stocks of SMPH, MBT and MEG. This is a blessed morning! Have a good day everyone and Happy Investing!


P.S. Please take note that the table above shows the stocks I am investing in and the action I am taking based on the current market price. It does not guarantee anything but this is just to give you an idea on what stocks I am investing in as a long term investor and if I am currently buying, selling or holding my shares.
For more details on what companies are good to invest in and to get monthly updates (or as often as possible), visit the Truly Rich Club page. The club provides suggested stocks as well as the buying or selling price for each stock. 

Get your free ebook on Stock Market Investment here.


May Success be to you,

Pocketwise Pinoy Author

Sunday, April 27, 2014

Stock Favorite: Megaworld Corporation (MEG) in Philippine Stock Market

As one loyal follower of the Truly Rich Club (TRC), I have been taking advice from the Truly Rich Club Stock Updates on what to buy, when to buy and when to sell.

I have been pretty much “brainwashed” by Bro Bo Sanchez in most of his teachings – in spiritual and financial aspects. So in choosing what to buy, I always consult the SAM table. (“What’s SAM?” you may ask. It’s a TRC jargon meaning Strategic Averaging Method.)


Now, I am adding one more stock to our Stock Favorites. Let us welcome - MEGAWORLD Corporation!


Megaworld Corporation

Megaworld Corporation was founded by Andrew Tan and incorporated on August 24, 1989 under the name of Megaworld Properties & Holdings, Inc. The Company was primarily organized to engage in real estate development, leasing and marketing. In 1994, it spun off Empire East Land Holdings, Inc. which focused on the middle income market. On August19, 1999, the Company changed its name to Megaworld Corporation to coincide with itsconversion from a purely real estate company into a holding company, although MEG continues to focus on its core competence in real estate development. The Company is primarily engaged in the development in Metro Manila of large-scalemixed-use planned communities or townships that integrate residential, commercial,educational, leisure and entertainment components. In addition, MEG engages in other property-related activities such as project design, construction and property management. MEG's real estate portfolio includes residential condominium units, subdivision lots andtownhouses, as well as office projects and retail space. The Company's property development projects include Eastwood Parkview, Corinthian Hills, The Salcedo Park, Greenbelt Madisons, and The Bellagio. (Source: COL Financial) 

Subsidiaries and Affiliates

MEG's subsidiaries include Megaworld Land, Inc.; Prestige Hotels & Resorts, Inc.; Mactan Oceanview Properties and Holdings, Inc.; Richmonde Hotel Group International Limited;among others. The Company has numerous associates namely the Suntrust HomeDevelopers, Inc.; Palm Tree Holdings and Development Corporation; Megaworld-GlobalEstate, Inc.; Alliance Global Properties Limited; and Travellers International Hotel Group,Inc. (Source: COL Financial) 


Stock Market Details




1. Stock Code: MEG

    To buy shares of Megaworld, just look for the stock code MEG.

2. Main Board Lot: 1000 shares

    Board Lot identifies the minimum number of shares that can be bought. It also indicates the increment of share amount that is allowed. This means that an investor is only allowed to post a buy order for a minimum of 1000 shares. If the investor has more funds, he or she can buy more than 1000 shares with an increment of 1000 shares as well. So this will be 2000, 3000, 4000, and so on. The system will not allow the investor to put in 1100 shares or 2200 shares in the buy or sell order in the main board lot.

3. Fluctuation: 0.0100 Php

    Fluctuation indicates the buying or selling price to be in multiples of 0.01 pesos. The investor can post 3.0100, 5.5600 but not 4.5110.

4. Floor Price: 2.29 Php

    The floor price dictates the minimum amount that the buyer can put as a buying price or the seller in the selling price. The system does not allow the user to put amount lower than 2.29 Php.

5. Ceiling Price: 6.85 Php

  The ceiling price dictates the maximum amount that the buyer can put as a buying price or the seller in the selling price. The system does not allow the user to put amount higher than 6.85 Php.


6. Open to Foreigners: YES

  Foreign investors are allowed to purchase shares of MBT.

7. Action: BUY


  With the current price of MBT, it is still cheaper than the fair value. As a long term investor, this stock is still flagged to have a BUY rating as per COL Financial and Truly Rich Club.




Flashback

Market Price History:





Dividends:





From the Market Price History table taken from COL Financial's site, MEG's value in 2008, 2009, 2010, 2011, and 2012 were 0.72, 1.48, 2.48, 1.70 and 2.77, respectively. The current market price is 4.49 as of April 25, 2014. That's a big leap. I was able to buy shares of this stock when it was still around 3.00 pesos so right now, I have the biggest gain from this company as compared to other stocks in my portfolio. Currently I have 30% profit already if I decide to sell now but I am keeping it because there's still much potential for this company. So we're putting it in a BUY rating.


So let's welcome our new addition to our Stock Favorite - MEG! Visit our updated table in the side bar for future updates.




For more guidance on what stocks to buy and when to buy or sell them, you can seek for assistance through Truly Rich Club. Know more about Truly Rich Club here >>> TRULY RICH CLUB.


May Success be to you,

Pocketwise Pinoy Author


Saturday, April 26, 2014

Information Regarding Philippine Stock Market Investment

Readers' Questions and Author's Answers on Philippine Stock Market Investment.

I have been receiving a lot of emails and inquiries about Philippine Stock Market Investment. One of them might be a question you've been wanting to ask as well so for the benefit of our readers and visitors in this blog, here's a compilation of questions sent to me through email or other means:



Taken from www.mynamesnotmommy.com
Question #1. For Php 5000.00 as initial deposit, can I invest this amount to 2 companies?

Answer:

That's possible if the companies you will invest in require minimum amounts that will sum up to 5k or less. For example, you want to invest in Company A and Company B. Company A has a minimum purchase of 10 shares. Each share is equivalent to 100 pesos. Therefore you need 1000 pesos to purchase the minimum of 10 shares. If company B declares a minimum purchase of 100 shares and each share costs 35 pesos, you need to have 3500 to purchase the required minimum shares. Therefore, with 5000, you can purchase 10 shares of Company A and 100 shares of company B for 1000 + 3500 = 4500. Plus there are taxes for each buying transactions so you will spend 4500 plus for the investment for 2 companies. 

Question #2. I want to try this...
How can I learn the basics... And how can I join...
How much will it cost me at least..

Answer:


The first step to participate in stock market is to acquire an account in COL Financial and then fund the account with the minimum amount of Php 5000.00. That amount can be used to purchase stocks already. For the list of stocks that are good to invest in, you can join the Truly Rich Club www.crmapili.trulyrichclub.com to get updates on what stocks to buy and when to buy or sell.

For the complete details of what needs to be done to secure an account in COL Financial and start investing in PH Stock market, please go through this guide:

http://pocketwisepinoy.blogspot.com/2013/04/philippine-stock-market-guide-for.html

Question #3. Joint account po yung gusto ko i open, need ba mag submit dun ang husband ko ng mga id's? Thank you

Answer:

Both IDs of the primary and secondary account holder are needed. Please include photocopy of government issued IDs for submission through courier

Question #4. Ask ko lang kung pwede ako mag join kahit andito ako sa saudi?What if I will go back to philippines wala bang mgiging problem.

Answer:


Pwede po. Since we have our online broker (which is COL Financial in my case), you can access your account via internet. You can post buy and sell orders through COL Financial's site.
When you go back to Philippines, wala ka din namang magiging problema. You still own your account. Yun yung maganda sa investment natin. You can access it anytime, anywhere (basta may internet).

That's all for now. Happy investing!


May Success Be To You,






Wednesday, April 9, 2014

Stock Favorite: Metropolitan Bank (MBT) Announces Dividends

I love dividends! Long term investors and Truly Rich Club members do.

From one of our Pocketwise Pinoy Stock Favorites, Metropolitan Bank and Trust Company (MBT) has an exciting news for us. MBT declares a cash dividend of Php 1.00 per share. Approval by Board of Directors has already been given last March 26, 2014. Details like ex-date, record date and payment date are not yet available though I will surely keep you posted when I have the information. I am keeping my eye on this stock.

For now, let's keep on buying MBT Shares!

As per our Stock Favorite recommendation and based on COL Financial and Truly Rich Club, MBT is still in BUY rating so keep on accumulating shares.


Metropolitan Bank Related Posts:


May Success Be To You,





Tips on Using Credit Cards: Being Friends with Them

Allergic to credit cards? Do you have a perception that getting a credit card is like getting into trouble?

Credit Card is neither good nor bad. It depends on how you use it. In this blog, I would like to list down the things which I like about having credit cards - why I use them and what benefits they bring me that I can say they are more of friends to me than foe.

A Credit Card is a Friend

A friend can lend you money without interest (as long as you pay them on the time you promised). A friend treats you at times for a meal or a snack. A friend makes things comfortable for you.

With what I described above of how a friend should be for me, I can consider credit cards as friends.

Here are the reasons:

1. Credit card lends money with no interest if you pay on time.

This is true when you pay your bills on or before your due date. Even though friends lend you money, it is still always the creditors responsibility to ensure that everything is settled on the agreed date. If you pay on time, then you won't get any problems.

2. Credit card treats a meal.

And lets you share that meal with others.

Until the first quarter of 2014, BPI offered free meals in Jollibee if you spend Php 2000, 6000 and 12,000. So every time I purchase products from First Vita Plus for my business and for my personal consumption, I use my cards to pay instead of paying in cash. I just make sure that on my due date, I pay for my credit card bill. For all those times I use my credit card, it converts to a free meal which I can share with friends and family. It's much better if you are also investing in BPI stocks. You gain from what you've spent through your card since you are a BPI shareholder. Brilliant, isn't it? ;)


3. Credit Card gives discounts.

Almost every time, credit cards offer discounts on gadgets, shopping, membership and even in restaurants through their partnerships with a list of merchants. Last time, we had a family lunch and I only paid 50% of the bill since I paid using my credit card. I can pay cash but I chose to pay with my card to avail the discount. Wise? You can do that with your credit cards too. A little research on the available promos won't hurt. Benefit from your card rather than your card benefiting from you.

4. Credit Card rewards card holder's loyalty.

Loyalty points can be exchanged with products offered by credit cards. Some points can be used to get appliances and gadgets. There are some that can be exchanged for other services. Just recently, I was able to exchange my loyalty points to a voucher which my brother used to buy airline tickets going to Hongkong to visit our First Vita Plus dealers. Our First Vita Plus business also benefit from credit card rewards in this case.

5. Credit Card provides easier payment option through installments.

In some cases, credit cards help us buy necessary things at a more convenient payment strategy. These things might be important to your business but you don't have the full amount to purchase them yet, therefore, credit cards can be of aid for making payment terms lighter.

6. Credit Card repays you with rebates.

Some credit cards give back rebates which can be used to pay for the amount due. Each time you use your credit card, you gain rebates which can be later on converted as a payment for your credit card bill. Maximize your card's benefit.



3 Tips on Using Credit Cards


To ensure you and your credit card are friends:


1. Only use credit card as a substitute to allotted cash payment. This means that you have money allocated for that item but you used your card to avail a certain promo or discount.

E.g. In paying my bills, I use my card if the amount I will pay is within the promo amount of my card. Then I make sure that I set aside that cash payment to be paid on or before the due date. So it is really not borrowing something you don't have. It's just substituting your mode of payment.

2. Pay full credit card due on time.

Avoid paying just the minimum. Interests accumulate so fast you'll be surprised what you've borrowed has been doubled in just a few months. Pay your due in full. If you can't do this, don't use your credit card.

3. Check what promos are available for the cards you have. Use the card that has a current promo.

Again, use the card as a substitute payment strategy. Make sure that you have allocated funds for whatever you are going to purchase. It's just that you are paying through credit card to avail whatever promo your credit card has.


One good thing I also like about paying through credit cards is that I am able to monitor my expenses. I can keep track of expenses I incur often and can check if I am going over my budget. For those who are planning to get credit cards, I am not against it but always remember the 3 tips in using your credit cards. Be friends with them and benefit from them (not the other way around). Aim to be Truly Rich, avoid debt and use your credit cards well.

Hope you enjoyed this post! Comments are very much welcome.


May Success Be To You,

Pocketwise Pinoy Author


Monday, March 17, 2014

Truly Rich Club: Gold Mastermind & Quick Start Implementation

I just registered in Truly Rich Club's Gold Mastermind!

The Gold Mastermind


This weekend I received a mail from TRC with regards to a new event they formulated to teach TRC members on how to create multiple income streams.

I am excited about this because there will be a chance to meet other TRC members, interact with them and get an exposure on various ways on how to increase my income.

Various income streams will be discussed in each Gold Mastermind Session:
  • Brick-and-mortar businesses
  • Online Stores
  • Virtual Assistants
  • Network MLM
  • Sales
  • Real Estate
  • Many, many more income streams
And of course, Stock Market Investing is included.

The learning investment is Php2000 per session but if you are a Truly Rich Club member, you will just have to pay Php 297.00 as a reservation fee for the club to know that those who register are serious in attending the event on March 30.

Quick Start Implementation


Apart from this Quarterly Mastermind, there is also an event for new TRC members. This is intended for those who still need further guidance on investing in stock market. If you are still hesitating and confused on how to start, I believe this is a beneficial event. If you feel that this session is for you, just click on the image below. Just make sure you are already a Truly Rich Club member before joining this event.


Reservation fee of Php 197.00 is asked for serious attendees.


See you in the exciting events of Truly Rich Club!


May Success Be To You,



Wednesday, March 5, 2014

Stock Favorite: Metropolitan Bank & Trust Co. (MBT) in Philippine Stock Market

As one of the companies I am investing in, Pocketwise Pinoy features Metropolitan Bank and Trust Company as part of our Stock Favorite. Popularly known as Metrobank, let's talk about the background of the company and some stock market details.


Metropolitan Bank & Trust Company

Founded in 1962, Metropolitan Bank & Trust Company (MBT) initially provided financial services to Filipino-Chinese community and eventually diversified its business to provide banking and collateral services to all sectors of the Philippine Economy. MBT was granted a universal banking license by Bangko Sentral ng Pilipinas (BSP) on August 21, 1981 which allowed the company to operate business on automobile manufacturing, travel services, real estate, insurance, savings and retail banking and credit card services. (Source: COL Financial) 

Metrobank has also been steadily expanding internationally. In the late 1990s, Metrobank opened branches and offices in London, Taichung, Tokyo, and Seoul. Metrobank was the first to be granted a banking license by the Japanese Ministry of Finance.  It was also the first Philippine bank in Korea.   In 2001, Metrobank became the first Philippine bank in China when it opened its branch in Shanghai.   In 2010, Metrobank inaugurated its wholly-owned subsidiary, Metropolitan Bank (China) Limited, the first foreign bank headquarters to be established in Nanjing.  The new bank serves as the base for Metrobank’s operations in China, with three branches located in Nanjing and Shanghai. 
(Source: www.metrobank .com.ph)

Subsidiaries and Affiliates

First Metro Investment Corporation; Metropolitan Bank (China) Ltd.; Philippine Savings Bank; Metrobank Card Corporation; ORIX METRO Leasing and Finance Corporation; Metropolitan Bank (Bahamas) Limited; First Metro International Investment Company Limited; Metro Remittance (Hong Kong)Limited; Metro Remittance (Singapore) Pte. Ltd.; Metro Remittance (USA), Inc.; MetroRemittance (Spain), S.A.; Metro Remittance (Italia), S.p.A..; Metro Remittance (UK)Limited; and Metro Remittance Center Inc.


Stock Market Details





1. Stock Code: MBT

    To buy shares of Metrobank, just look for the stock code MBT.

2. Main Board Lot: 10 shares

    Board Lot identifies the minimum number of shares that can be bought. It also indicates the increment of share amount that is allowed. This means that an investor is only allowed to post a buy order for a minimum of 10 shares. If the investor has more funds, he or she can buy more than 10 shares with an increment of 10 shares as well. So this will be 20, 30, 40, and so on. The system will not allow the investor to put in 15 shares or 22 shares in the buy or sell order in the main board lot.

3. Fluctuation: 0.0500 Php

    Fluctuation indicates the buying or selling price to be in multiples of 0.05 pesos. The investor can post 50.5000, 50.5500 but not 60.5100.

4. Floor Price: 40.15 Php

    The floor price dictates the minimum amount that the buyer can put as a buying price or the seller in the selling price. The system does not allow the user to put amount lower than 40.15 Php.

5. Ceiling Price: 120.4 Php

  The ceiling price dictates the maximum amount that the buyer can put as a buying price or the seller in the selling price. The system does not allow the user to put amount higher than 
120.4 Php.

6. Open to Foreigners: YES

  Foreign investors are allowed to purchase shares of MBT.

7. Action: BUY


  With the current price of MBT, it is still cheaper than the fair value. As a long term investor, this stock is still flagged to have a BUY rating as per COL Financial and Truly Rich Club.




Flashback

Market Price History:




Dividends:




From the Market Price History table taken from COL Financial's site, MBT's value in 2009, 2010, 2011, and 2012 were 33.71, 55.38, 52.27 and 78.46, respectively. It can be observed that as time passes, market price for MBT goes higher. Based from the past data, we are expecting that in this year, MBT's price will be higher. For long term investors, let's accumulate shares from this company while it's still in our BUY state!


So let's welcome our new addition to our Stock Favorite - MBT! Of course, we also would like to note that our recommended action for DNL has changed from Buy to Hold Ratings. Visit our updated table in the side bar for future updates.



For more guidance on what stocks to buy and when to buy or sell them, you can seek for assistance through Truly Rich Club. Know more about Truly Rich Club here >>> TRULY RICH CLUB.


May Success be to you,






Pocketwise Pinoy Author

Sunday, March 2, 2014

DNL’s Strong Performance in 4Q13

DNL earnings beat COL Financial and consensus forecasts of 104% and 109%, respectively. According to a news from Inquirer.net, DNL’s profit rose by 127% to Php 360 million as compared to the same period last year. This added to the earning of the whole year 2013 which summed up to Php1.4Bil.



As per COL Financial, DNL’s strong earnings were due to their focus on the growth of its high margin business such as specialty fats and oil products.

Last month, Pocketwise Pinoy featured DNL as one of the stock favorites. We've given background of their business and some details of the company's profile.


We recommended buying shares of this company. If you bought shares last month, you might have at least 5% earning by now. 

Though DNL’s market price is rising, we as long-term investors would still want to buy this company. Since it closed to Php7.95/share last Friday, February 28, we can still have 14% profit as the fair value estimated by COL Financial is Php9.10/share. So let’s act now before it hits the fair value estimate!

Hasn't started your own investment yet? Check our Philippine Stock Market Guide for Starters and start building your wealth.


May Success be to you,






Monday, February 3, 2014

Stock Favorite: SM Prime Holdings (SMPH) in Philippine Stock Market

As investors, we ensure that we know where we put our money so we do a little research on the background and business of the company we will be investing in.

In our Stock Favorite today, we will feature one of the companies I am investing in. It is one of the companies that is very much familiar for Filipinos. Adding to our list is the very famous SM Prime Holdings (SMPH).


Taken from www.smprime.com
SM Prime Holdings, Inc.

SM Prime is the holding company of the SM Group in the property business. It is among the largest integrated property developers in the region with offerings spanning across diverse sectors of mall, office, residential, hotel and leisure development. (http://www.smprime.com/)


It has malls operating in Philippines and China. To date, SM Megamall has become the largest mall in the Philippines with the addition of the Mega Fashion Hall.

In 1994, SMPH is publicly listed in the Philippines Stock Exchange.



Subsidiaries and Affiliates

Taken from SMPH's profile in COL Financial's site, its subsidiaries are First Asia Realty Development Corporation, Premier Central,Inc., Consolidated Prime Dev. Corp., Premiere Southern Corp., San Lazaro HoldingsCorporation, First Leisure Ventures Group, Inc., Southernpoint Properties Corp., MegaMake Enterprises Limited, Affluent Capital Enterprises Limited, SM Land (China) Limited,and Springfield Global Enterprises Limited.



Stock Market Details


1. Stock Code: SMPH

    To buy shares of SM Prime Holdings, just look for the stock code SMPH.

2. Main Board Lot: 100 shares

    Board Lot identifies the minimum number of shares that can be bought. It also indicates the increment of share amount that is allowed. This means that an investor is only allowed to post a buy order for a minimum of 100 shares. If the investor has more funds, he or she can buy more than 100 shares with an increment of 100 shares as well. So this will be 200, 300, 400, and so on. The system will not allow the investor to put in 150 shares or 220 shares in the buy or sell order in the main board lot.

3. Fluctuation: 0.0200 Php

    Fluctuation indicates the buying or selling price to be in multiples of 0.02 pesos. The investor can post 6.5000, 6.5200 but not 6.5100.

4. Floor Price: 7.76 Php

    The floor price dictates the minimum amount that the buyer can put as a buying price or the seller in the selling price. The system does not allow the user to put amount lower than 7.76 Php.

5. Ceiling Price: 23.25 Php

  The ceiling price dictates the maximum amount that the buyer can put as a buying price or the seller in the selling price. The system does not allow the user to put amount higher than 23.25 Php.


6. Open to Foreigners: YES

  Foreign investors are allowed to purchase shares of SMPH.

7. Action: BUY


  With the current price of SMPH, it is still cheaper than the fair value. As a long time investor, this stock is still flagged to have a BUY rating.



Almost 4 years back, it was just around 10 pesos. Now it has a value of 15.50 Php. This means that if you bought shares 4 years back, you have gained 50% already when you sell your shares today. If you sold your shares around May 2013, you might have enjoyed a 100% gain or more because the share price went up to around 21 Php. So invest, invest, invest! :)



For more guidance on what stocks to buy and when to buy or sell them, you can seek for assistance through Truly Rich Club. Know more about Truly Rich Club here >>> TRULY RICH CLUB.



May Success be to you,