Tag Archives: Colfinancial

Unlock Passive Income with REITs: A Guide to Real Estate Investment Trusts in the Philippines

26 Monday Aug 2024

Posted by in Personal Financing, Real Estate Investing

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Have you ever considered earning from the stock market through dividend investing? It’s a straightforward strategy where you buy stocks that pay dividends to shareholders. But let me introduce you to another compelling investment option: Real Estate Investment Trusts (REITs). If you’re looking for a way to grow your money with regular income, REITs could be a fantastic choice.

Real Estate Investment Trusts

What Are REITs?

REITs, or Real Estate Investment Trusts, are investment vehicles that own, operate, or finance income-producing real estate. Investing in REITs means buying shares in a company that manages real estate assets, including commercial properties, residential buildings, and more. The income generated from these properties is then distributed to REIT shareholders as dividends.

In the Philippines, REITs are becoming increasingly popular due to their potential for steady returns and regular income. Based on my experience, REITs typically offer an annual return of about 6% to 7%, with dividends paid out quarterly. This setup provides a reliable source of passive income and helps diversify your investment portfolio.

Top REITs in the Philippines

  1. Ayala Land REIT, Inc. (AREIT)
    • Description: Managed by Ayala Property Management Corp., AREIT is backed by the prestigious Ayala Group. It focuses on prime office and commercial properties, delivering stable returns.
  2. Megaworld REIT (MREIT)
    • Description: MREIT, under Megaworld Corporation, invests in office buildings and commercial spaces. It aims to provide sustainable returns through a diversified portfolio in key business areas.
  3. Robinsons Land REIT (RCR)
    • Description: Managed by Robinsons Land Corporation, RCR invests in retail and office spaces. Its extensive portfolio includes shopping malls and office buildings, offering investors a well-established asset base.
  4. Filinvest REIT Corp. (FILREIT)
    • Description: FILREIT focuses on office spaces within the Filinvest City development. It seeks to offer stable income through strategically located office properties.
  5. DoubleDragon Properties Corp. (DDMP)
    • Description: DDMP REIT, from DoubleDragon Properties Corp., invests in office and retail spaces. Its strategic property locations are aimed at providing attractive returns.

My Personal Experience

I personally manage my REIT investments through the COLFinancial website. This platform gives me control over my REIT shares, allowing me to decide whether to retain or sell them based on market conditions and my financial goals. It’s a convenient way to oversee my investments and make informed decisions.

Why Consider REITs?

Investing in REITs offers several advantages:

  • Stable Returns: REITs often provide consistent dividend payments, making them a reliable source of income.
  • Diversification: They enable you to invest in a diversified portfolio of real estate assets without owning physical property.
  • Liquidity: REITs are traded on the stock exchange, offering flexibility to buy and sell shares with ease.

Including REITs in your investment strategy can enhance your financial growth while providing steady income. Whether you’re experienced or just starting, REITs are a practical way to earn from real estate through the stock market.

ColFinancial Model Portfolio January 2015

22 Thursday Jan 2015

Posted by in Stock Market

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Using Colfinancial as my broker is really great, they normally give indication or suggestion on where to put my hard earned money. Today they have sent out their Colfinancial COLing the Shots for January 2015 where they give suggestion of some stocks which they believed will perform well this year 2015. But be informed that study is still needed before going into any of the their suggested stocks. They also give explanation on why they choose particular stocks.

According to COL their top picks for 2015 include DNL, CIC, GTCAP (consumer plays/play on weak yen), AP, EDC,  FGEN (bottom up picks/power plays), MBT (value play), SMPH (consumer play proxy), CEB (oil play) and AC (bottom up pick/ power and infra play). Risks for 2015 include the uneven share price appreciation, market volatility, and share placements.

Here are the tables for your information.

Consumer :

DNL – FV 17.8 – Buy Below Price – 15.48

CIC – FV 53.2 – Buy Below Price – 46.26

GTCAP – FV 1,340 – Buy Below Price – 1,165.22

Power :

AP – FV 46.1 – Buy Below Price – 40.09

EDC – FV 9.9 – Buy Below Price – 8.61

FGEN – FV 38.4 – Buy Below Price – 33.39

Airlines

CEB – FV 156 – Buy Below Price – 135.65

Banks

MBT – FV 112 – Buy Below Price – 97.39

Properties

SMPH – FV 22.2 – Buy Below Price – 19.3

Conglomerates

AC – FV 855 – Buy Below Price – 743.48

Having this list will help you as a beginner investor in your research. I am posting this information for my information and guide also.

Happy Investing.

 

 

 

How to Add Funds to Your Stock Broker?

07 Thursday Mar 2013

Posted by in Daily Dose, How To

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First of all, stock broker is the agency who buys stock for us, investor. I have an account with COL Financial and therefore the instruction mentioned herein is based on my experience with COL Financial.

I have told you before that I am an OFW, in Saudi Arabia whenever we send money to Philippines in a single account we have to pay SAR 18 (Approximately Php 200) so if we are not wise enough and we will send our funding through this method we will already loose some of our capital.

So how do I send funds to my COL Financial account? It’s easy I use online banking from my bank in the Philippines. In my case I am using Metrobank as my financial hub. I send money to my Philippine Bank Account (Metrobank) and from there I will distribute my remittances, credit card payment, including funding to ColFinancial. So in this case I am only paying once in sending money from Saudi Arabia to Philippines. But there is a catch, In Saudi Arabia, there is a certain limitation on the amount of money that we can send to Philippines depending on our work permit. In my case I don’t have problem since my visa category have high limitation.

We have also checked the BPI Pinoy online banking and I can confirm that they have the capability of sending funds to COL Financial.

For COL Financial users, you just have to get your user id and place it in the space provided by Metrobank (Subscriber/Account No.) . After your first transaction it will now be located in your banks dashboard and all you have to do Is just to choose this in the option.

So here is the guide:

1.) Press Pay Bills

2.) Go To Special Bills

3.) Look for Col Financial Group Inc. and Enter your account number

4.) Enter your desired amount

5.) Put your phone number and then wait until it will appear in your Col Financial Dashboard (Better expect the transfer to be done within one day)

It would be faster if you will inform Col Financial and send them a screen copy of your payment.

You may also want to check my post in my other blog: How Online Banking System Can help OFW

Metrobank

Metrobank Screen Capture

I have been doing Internet banking for more than 9 years and I could say that I did not face any problem with Metrobank. They are strict when it comes to adding beneficiary since you have to do it on your local branch. But in funding your COL Financial you don’t have to go to the branch in order to add them in you bills payment.

For those asking about bank charges, I have not seen any deduction in any of my transfer to COL Financial.

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)