Category Archives: Stock Market

How to Stay Updated With Your Portfolio News & Events?

12 Tuesday Mar 2013

Posted by in How To, Stock Market

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We all know that one of the indicators of the stock market price is the NEWS that is being discussed on a particular day. A good news might make the stock market price higher while the bad NEWS might make the stock price lower.

An investors increases his investment as long as he found out that the company is in a good position because he is increasing his trust in the company.

As an example, a news about an accident happened in a Mining area will definitely affect the stock price of a particular mining company.

A change in the Board of Director also affects the price of a stock market either positive or negative.

Today, I will teach on how to be updated on the news that floats around the internet about your chosen company. As an example if you want to be updated on what is going on at Century Properties Group (CPG), you may create a Google Alert for all the news that is being posted in the internet.

How to Stay Updated With Your Portfolio News & Events?Here are the procedure to start tracking news information using Google Alert:

1.) Go at the Google Alert site (http://www.google.com/alerts ) and fill up the required data where you want to be updated.

2.) At the search Query Space , you may put the word: Century Properties Group

3.) At the result type you may choose to be informed from News, Blogs, Videos, Discussions and Book. Most of the time I choose News, You may also create additional alert from Blogs.

4.) In the How Often Space: You may choose from as it happen, once a day or once a week. Most of the time I choose “As it Happen”, so that I am informed of any choose or blogs being posted in the internet.

5.) At How Many, You have the option to choose All results and Best Results

6.) Then place your email in the space provided

7.) The press create alert

In addition you might want to be part of different Facebook Group, where information is always updated from different helpful members.How to Stay Updated With Your Portfolio News & Events?

This might not be important for long term investors, but I do believe that it is always nice to be informed about the things happening at your stocks portfolio.

If you found it useful you might want to share to your friends and FB groups.

COL Financial’s Claim Procedure in Case of Stock Holder’s Death

06 Wednesday Mar 2013

Posted by in Stock Market

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TaxYesterday I sent clarification to COL Financial regarding the procedure on how will the heir can get stock proceeds in case of Stock Holder’s Death and here is their reply:

In the unfortunate event of an account holder’s demise, the following are the documents to be submitted by the surviving spouse/heir:

  1. Death Certificate
  2. Either one of the following:
    1. If with testate or intestate proceedings, a court order appointing the executor/administrator and authorizing him to close the account and collect the proceeds;
    2. If without testate or intestate proceedings:
      1. If there is only 1 heir – Affidavit of Self-Adjudication
      2. If there is more than 1 heir – Deed of Extra-judicial Settlement of Estate
      3. In either (i) and (ii), submit also proof of filing of the Affidavit or Deed, as the case may be, with the office of the register of deeds
  1. Release, waiver, and quitclaim, holding COL free and clear from any action, claim or liability brought by third parties in relation to the closing of the account and release of the proceeds thereof.
  2. Proof of payment of estate tax or BIR Certification that the same is exempt from estate tax
  3. Identification documents of surviving heirs (photocopy of 1 government issued ID, with picture and signature)

Surviving heirs may then open an account with us to transfer all stock and cash positions from the deceased client’s account to the surviving heirs’ account.  Surviving heirs will have to submit identification documents and POB and accomplish account opening forms.

So it is clear based on COL Financial’s response that a proof of payment for the estate tax is necessary before a heir can claim the stocks. To all those who have account with COL Financial better share this post to your love ones so they know what to do just in case.

Complete Pesos and Sense Season 1 Youtube Links

27 Wednesday Feb 2013

Posted by in Personal Financing, Stock Market

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pesos-and-sense-2

Learning about investing can be done through reading and Watching Videos.

I have informed you before that I am part of the Facebook group called TGFI (The Global Filipino Investors ). The group members is helping me to learn new things about Stock Market as well as importance of insurance. Today I have seen a collection of Youtube links for Pesos and Sense headed by Aya Laraya. I would like to give credit to Khristian Santos (TGFI Admin) for his research for this videos.

I believe that the below mentioned videos is a must see for newbies and those who are starting to invest.

Episode 1: Stock Market

Part 1 Part 2 Part 3 Part 4

Episode 2: Mutual Funds

Part 1 Part 2 Part 3 Part 4

Episode 3: Insurance/VULs

Part 1 | Part 2  Part 3 | Part 4

Episode 4: Scams

Part 1 Part 2 Part 3 Part 4

Episode 5: Starting Early

Part 1 Part 2  Part 3 Part 4

Episode 6: Budgeting and Personal Finance

Part 1 Part 2 Part 3 Part 4

Episode 7: Understanding Credit

Part 1 Part 2 Part 3 Part 4

Episode 8: Aya’s Investment Diagram

Part 1 Part 2 Part 3 Part 4

Episode 9: Long Term vs. Short Term Investment

Part 1 Part 2  Part 3 Part 4

Episode 10: Insurance 2

Part 1 Part 2  Part 3  Part 4

Episode 11: OFW Investments

Part 1 Part 2 Part 3 Part 4

Episode 12: Social Cost of Investing

Part 1 Part 2 Part 3 Part 4

Episode 13: Diversification

Part 1 Part 2 Part 3 Part 4

Credit for Video and Image : http://pesosandsense.com/

Please Report any Broken Links and let me know your thoughts about the video.

How to Start Investing?

09 Saturday Feb 2013

Posted by in Daily Dose, Stock Market

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This is the same question that I got one year ago, when I saw a blog post and Facebook group comments last year.

I started investing in Stock Market about a year ago. If you do not know how to start stock market better check my post on “How to Start on Stock Market”. Starting in investing is all about mind setting, you have to make a mindset that there is no business without risk and if you don’t want to take risk you cannot gain.

There are lot of ways to start in investing and it depends on your risk appetite. If you are not a risk taker and you do not have any mentor or you are lazy to study on how to invest, I would suggest starting in mutual fund. In mutual fund there will be a fund manager who will take care of your finances. They have the full discretion on where to put your money. By the way Mutual Fund is not a risk free investment. But risk is lower than going to stock market by yourself.

You may also check your banks for UITF (Unit Investment Trust Funds).

As of now I don’t have any investment in Mutual Fund but I am planning to take a mutual in the future as part of my diversification. It is a decision, to do it by my own for the mean time that is also the reason why I made an account with COL Financial.

I have also read a lot of book saying that an emergency fund (3 to 6 months equivalent of your monthly expenses) needs to be establish first before investing as well as insurance coverage. But as of this time, I have not made any insurance which I also plan to take this year.

As a start, I make it a point that I have updated my SSS and my other small insurance coverage.

I am considering my Stock Market Funds as my emergency fund since it is a liquid investment that I can take out anytime in the future if need arise.

As a new investor or would be investor you need to change you financial formula from:

Income – Expenses = Saving Investment

to

Income – Tithing – Savings & Investment = Expenses

I believe that we need to give our tithes for the work of God’s ministry in the earth. I always believe that the bible is the source of information about investing. It is also what Zig Ziglar, Robert Kiyosaki, Bo Sanchez, Chinkee Tan and Other known book author believe.

I also suggest joining forum, Facebook group for mentoring purpose. There are lots of Facebook group who have very helpful members who are there to answer you basic question for free. And don’t forget to join our mailing system for you to be updated on our post. I am planning to be more active in writing on this blog.

PHILIPPINE BUSINESS BANK IPO

07 Thursday Feb 2013

Posted by in Stock Market

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I just want to share you that I have been included in COL Financial raffle for IPO of PBB. I have received the following email today.

Please be informed that we have allocated 500 shares of PHILIPPINE BUSINESS BANK with the amount of PHP 15,750.00. We have debited your account accordingly. Thank you. COL Financial Group Inc.

It feels good to be included from the 151,200 shares that was raffle out from COL..I came to know that there are lots of investor in the Facebook group where I belong that received a regret letter from COL Financial. But for the newbie in stock market, you might be asking on what is IPO? IPO means Initial Public Opening. In the normal scenario, buying IPO stock is always buying bargain stocks, but there are also time that upon completing the IPO, the value of stocks goes down. Take for example on what happen when Facebook have it’s IPO, it was first in the rise then suddenly it fails lower than IPO. In the local market, it also happen to CAL (Calata).

I have also taken the following report from DA Market Securities Inc.into consideration, when I made my request to be approved for this IPO as follows:

At 2011 actual EPS of 2.17, the P/E will be at 14.5x. However, using trailing 12 month EPS or 2012 est. EPS of 2.39, P/E is at an improved 13.2x.

After the offer, Book Value (BV) will increase to 21.58, translating to a Price-to-Book Value of 1.46x

Considering improved market conditions and optimistic outlook on the industry’s growth momentum, the company lists at an attractive valuation. Recall that EW listed in April 2012 at a price of 18.50/share, and using 2011 actual EPS of 1.54, the offer was at 12x P/E. BV 13.72, 1.34x PBV.

Later I will report the result of this investment. And I hope it will goes up.

The Tentative listing date will be on February 19, 2013. I hope I made a right decision in getting PBB IPO.

How To Start Investing in Stock Market

03 Thursday Jan 2013

Posted by in Stock Market

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Stock MarketYesterday I shared a Youtube video in my Facebook wall that says more and more Filipinos are now starting to invest in stock market. The post catch the attention of some of my online friends as well as relatives, which eventually started a conversation about stocks. Here are some of the questions and answer that I made during my conversation for the benefit of those who also want to learn investing in Stock Market

I have heard that investing in stock market is risky and it is like gambling? Are you now into gambling Dexter?

Well this is my answer, Stock market has two kinds, one is investing and other is trading. When you say trading, it is almost equal to gambling since, what you bought today might be sold out before the market close or could be sold by tomorrow. It is good if the market goes up, but what if the market goes down it is a sure lost. Trading is also buying speculative stocks, which means that a trader is buying a stock which does not have any history or anything to prove as a company. They just buy because of rumors that it will be high tomorrow.

I must confess that when I started stock market, I did the same because I do not know the difference of investing and trading. I do not have any mentor and I just visit some blogs and forums for information. I have not even read any book to learn first before going to stock, but as what the saying goes experience is the best teacher.

Investing is buying stocks with good market reputation, they are usually called blue chips stocks. After buying, investors tend to let their money grow for some time. It might be 1 year, 2 years, 10 years or more. If you know Warren Buffet, this is the system that he is using. He study the market buy the sticks and forget about it and he let it appreciate from time to time. Investors also earn in two ways, one is price appreciation and the other is through dividend. There are time also that investors will buy stocks and wait for his Target Price before selling his shares.

So is it Risky to Invest in Stock Market?

Actually in reality there is no safe investment. Investment will tend to gain or lost. As an investor you need to be financially literate to know what you shall behave in good times or bad times. If you cannot watch how the market moves, it would be better to go to Mutual Fund (less risk) or Equity Fund (high risk), where there is fund manager who can watch over the movement of your money. I have heard that Mutual fund performs well last year which have 30+% interest. Of course nobody knows if it will still be the same this year. Your risk appetite will definitely determine your gain. Less risk – less gain and the higher the risk – the higher the gain. I myself have 17.78% gain last year.

So how much do I need to start to Invest in Stock Market?

Good to inform that nowadays you can start at an amount of 5,000 through colfinancial.com, all my stock transaction is made through online since I am outside the country I managed to get a broker that can serve me through online. One better thing in COLFINANCIAL is their EIP system, where they will allow you to invest on a monthly or weekly or quarterly or whatever is your preferred frequency of payment with a fix amount. It is also called Peso Cost Averaging

So how did you enroll in COLFINANCIAL?

I have filled up their application form, then scan the documents and send it to Colfinancial for checking and after they have checked my details they told me to send the original documents to their Ortigas Office. After they have received the documents they send me my login details and the bank reference that I will use to start investing in the stock market.

There are still lots of Q&A that I have responded yesterday and I think I can make the other conversation in future post. So keep on sending question though the comment section so that we would be able to respond to your question. If I can’t answer the question I will try to ask some of friends to respond for us. Make Sure to provide us your email as shown in the side bar for you to be updated on our post.

Photo Credit : Flickr username 401(K) 2012

Update : Great Information from Philippine Stock Exchange on Investing Procedure ( Courtesy of The Global Filipino Investors TGFI Facebook Group)