Making Money on Investments- Mutual Funds and Stocks

Ano ba ang Mutual Fund Investing? Paano?

2015-05-11T05:39:00.001-07:00

Isa sa mga di masyadong nalalaman ng mga karaniwang Filipino ay ang Mutual Funds. It is actually a way to invest in the stock market na di mo kailangang maging eksperto sa investing. Ito rin ang sikreto ng mga mayayaman! Imbes na ilagay nila ang pera nila sa bangko, nag iinvest sila sa Mutual Funds.

Ang mga Mutual Fund Companies sa Pilipinas na magandang pasukan ay ang PhilEquity, Soldivo at marami pang iba. Ang Mutual Funds ay may tatlong klase. Yung puro sa Stock Equities ng mga Blue Chip Companies ay Equity Funds ang tawag, at ang mga Investment naman na karamihan sa pautang sa Gobyerno ay tinatawag na Bond Funds at ang combination nitong dalawa ay tinatawag na Balanced Fund.

Ang maganda sa Mutual Funds, lahat ng ng dapat gawin para maging successful sa pag invest sa stock market tulad ng money cost averaging, spreading the risk by allocating to diversified companies ay ginagawa na ng Fund Managers ng Mutual Fund Companies. Ang galing di ba?

E ano ba yung Money Cost Averaging? Simple lang yun. Ibig sabihin lang dapat tuloy tuloy ang pag invest ng pare-parehong halaga sa isang regular na interval. Halimbawa sa ibaba, sa loob ng anim na buwan, bawat buwan ay nag iinvest ng 100Php kahit na ano pa ang situation sa market. Hindi kailangang timingan or bantayan ang pag taas o pagbaba ng stock price. Ang kailangan lang ay madisiplinang pag iinvest. Sa halimbawa sa ibaba, makikita ninyo na kahit pababa ang stock price, malaki pa rin ang ganansiya basta tuloy tuloy ang pag invest. I do not recommend a one time big time investing strategy nor trading. Mas recommended po namin ang Money Cost Averaging. At base po sa aming karanasan, mas madali at mas malaki ang aming naging returns so far sa loob ng 7 years na kami ay nag iinvest..

E ano ba naman ang totoong nangyayari sa Stock Market price ng Mutual Funds? Ay napakanda po. Yung paborito po namin na pag investan na PhilEquity ay kumita na sa loob ng limang taon ng mahigit sa 22% average per year from 2007 to 2012! Disclaimer: Hindi po ito pare pareho sa lahat ng panahon. Pwede pong mas mababa at pwede din namang mas mataas. Katulad po ngayong past 12 months pababa po ang trend. Nakabawi lang po ng kaunti recently by end of first quarter 2020.

Sa bandang huli, ikaw pa rin ang magdedecide kung saan mo gusto ilagay ang pera mo. Dalawa lang ang tanong natin para malaman mo saan dapat ilagay ang pera mo. Ito ay kung gaano ka katagal mag iinvest or kailan mo gagamitin ang investment mo? Pangalawa ay kung anong Risk ang kaya mong dalhin. Kung gusto mo ng malaking balik sa pera mo, mas mataas ang risk. Kung mababa ang risk na gusto mo, mas mababa rin ang posibleng return sa investment mo. At sa bawat consideration mo sa katanungang ito, may tamang investment para sa iyo.

E ano naman po ang posible kong maging ipon sa investment? Siyempre, depende yan sa laki o liit ng perang iinvest mo. Kung mayroon kang isang libong ipon kada buwan, maaari kang makaka accumulate ka ng isang milyon sa loob ng 20 taon! Gawin mong limang libong piso kada buwan, ito ay posibleng maging 5M sa 20 taon!!! Liitan natin. Kung may investment kang 20 pesos kada araw, sa loob ng 20 taon ito ay pwedeng maging mahigit pa sa 2M pesos! Kung isang daang piso kada araw, ito ay pwedeng maging 10.3M!!! Check nyo ito:

Kung gusto mong pasukan ang Mutual Funds kontakin mo ako sa 0920-902-1217 para ikaw ang aking matulungan. O mag eMail sa richbenj.santiago@gmail.com

Tara na Bes...Invest na tayo... Sa IMG pag nag pa member ka pwede ka na agad maka access sa P1000 Initial Investment sa SOLDIVO Mutual Funds. Check po ninyo ito IMG MEMBERSHIP BENEFITS

Start To Invest NOW.

God bless us,

Benj and Fely Santiago

Senior Executive Vice Chairman IMG

Truly Rich Makers Founder

Debt Destroyers Author

How Should I Invest?

2015-05-10T19:01:00.001-07:00

People Always Ask Me

Where Do You Invest?

How Did You Invest

Your Retirement Money?

Obviously, We all need to have a coach how to do the proper, complete, and integrated investment. The most important question I sought answer to is not WHERE or HOW...But WHY?

We have to define our GOALS for Investing. I know you and love our families. We love to see their future and ours secured. Thus, our recommended Top 10 Goals are as follows:

The Top 2 I recommend you prioritize to secure your future are: Your Income Replacement or Retirement Fund, and your Long-Term HealthCare. Putting our money in the bank is safe but it is not correct place for investing. Simply because the rate of return is so small , the value of your money is eaten by Inflation Rate. The secret of the wealthy is that they know the "Power of Compounding Interest" They know where to put their money that it will double faster.

These can be done by investing in the first two levels. To understand this more read this: Investing in Two Levels

Now that the WHY has been defined, the investing process must be Consistent and "Disciplined Approach". This is achieved by consistently investing regardless of Market Trend. In other words Money Cost Averaging. How do you do this Money Cost Averaging?

If you want to Know more,

Check this out:

FINANCIAL COACHING

Your Name and Schedule you Prefer.

Or, simply fill up this FORM

I will be more than happy to coach you!

Bo Sanchez' Wealth Circle Advisers Benj and Fely Santiago's Investing Secrets

2014-02-23T17:22:00.003-08:00

Do you want to be Financially FREE! Do you want to get out of pestering Debts? Do you want to learn how o make your money work for you? These were our own questions as we are totally lost and wounded financially.

I have been an employee of prestigious electronics companies for about 30 Years. In November of 2007 I ventured into a new career in a less well known, and often times misunderstood company called IMG-International Marketing Group. This transformed me from being an employee to an entrepreneur whose business is about love. It also enbled me to fix my cash flow and invest correctly.

All I can say is that I am "Good Tired" now and I am more financially secured than ever in this new found business. I do not fear the word "Retrenchment, Cost-Cutting, or outright TSUGI"... As I am my own boss. And all I do is share our experience. We go out to many different places to share, to help, and to serve and to love the people we meet. And the best thing about it, we have correct, solid, integrated and very profitable investments! Our secret: The Three Levels of Investing!

In those six years, I am priveleged to have written a book, guested on TV and Radio, and spoken to thousands of people all over the world spreading the transformation and experience I had in my financial status. Helping and serving people change lives too! God has blessed us with explosive blessings that we even earn more now than when we were employed. We travel the world and enjoy the fruits of our investments.

Last week we were with our WSB-World System Builders Team in Los Angeles Convention Center and I saw the 10,000 plus attendees doing the same business and mission in USA and Canada.

This weekend we will be part of the sharers on Bro Bo's "Wealth Summit" Bonus Day at the PICC. We will share how to build a business for the long haul. I know we have built a business for the long haul for we have built a business about love. The bible says "Love is Eternal" and so is this business that we have built!

If you want to know more about our business and the three levels of investing, check this out: Truly Rich Makers Business or click this to register into our FREE Financial Coaching

IMG Hong Kong Convention 2011

2011-06-24T01:10:00.000-07:00

This blog documents the key learning gathered in the IMG Convention at the Hong Kong Convention Center last January 30,2011.

Rex Mendoza- SVP Ayala Land International.
- " You cannot control the weather but you can adopt yourself to it"
- When we make presentations we must create the right atmosphere, attitude, and the continuing care
- You cannot share what you don't do. You do not have their trust, you are not credible
- Start and end with enthusiasm
- IMG will soon have its own Mutual Fund

Xuan Nguyen- Chairman IMG Corp
- Can we duplicate people in Financial Services Industry? In IMG Yes...
- The problem sometimes is the lack of discipline to the SYSTEM
- In McDonald & Starbucks they have the same exact (100%) system all over the world
- The problem with highly educated people is that they have nothing to learn
- Go to the meeting 2x/week
- Go to the field every day

TEA Story- A monk a scholar was conversing. The scholar say to the monk people say you are very intelligent person. The monk keeps pouring the tea until it overflows. So to be bale to have more, we need to empty our cup. Same with IMG Business, we need to empty our minds of our prejudice and old beliefs.

- Life is ismple but we can make it complicated. Complicated makes us have hearthaches, conflict

- The size of your organization is related to the simplicity of your mind.

- Be coachable

- Why we need to show-up in the meeting 2x/week? We cannot explain bu just show by our example...

- Unless you show up to the office 2x/week...you will die...that is guaranteed- Xuan
- Office & Meeting --> Team Meeting -- BPM & BMP

- SYTEM = DISCIPLINE

- 84% -- 15%--1% Statistics of survival in teh any business in 5-10-15 years. Everything starts then grow then mature

- Our IMG Franchise System : How many MDs you have?

- INVEST your TIME... Thisis why we attend the meetings
MD = 10 Rec/ 10 Sales = Good
30 Rec/ 30 Sales = Very Good
10MD = 100 Rec/100 Sales = Great!

- Are you selling your time or are you investing? A you a Slave of the Industry? Industrial revolution is a massive system that trains peopleto sell their time like nurses...CONSPIRACY of the RICH (Robert Kiyosaki)

- Invest your time to multiply your income. IMG is a business of investing time instead of spending and selling time.

- Money is on DISTRIBUTION.. the world is changing. In the past manufacturing controls distribution... but now it is the other way around... Today the one who sells, controls who manufactures. The insurance industry or Mutual Fund providers rely heavily on YOU!

3MDs = 30 Rec/ 30 Sales
P600,000 x 20% = 120 K
10MDs = 100 Rec/ 100 Sales
2M x 20% = 200K/month

- Your goal should be to become wealthy and noit just to earn additional income...so you should invest time and put your mind into your business.

- LALA Land !!!- Dream , I wish, I wish... graduate in Stanford or Berkeley and live in America

- 14M in US and 1 and 6 sre living in poverty...9.4% and 7.6% in USA and Canada are poor!

- $14 Trillion is total debt with each baby owing $45K...

- 140 in 2009 and 157 in 2010 are faild banks in the USA...

- $ 3.4Trillion or 30K/ household are realty loss and $7.4 Trillion or 60K/household are Mutual Fund loss (USA Data)
for you

- There are only two ways to make money:
1. Have a lot of money tomake more money
2. Have a lot of people to make money for you

- The middle class is fading. The business class is emerging...

- Develop the skill of talking to people and building teams.

_JOIN-OWN-SHARE... We Believe, We Understand, We Recommend...

- Spinning... for meetings and building

Johny Mehrian

- 5 years ago started with WFG. His parents were divorced due to financial stress. His dad fade away from their lives. He was very emotional as a kid. He got into Karate and is a member of the USA National Team. Throughout High School he shared room with his mom and he is so embarrassed. 2-3 years his brother Fedhi is building his team. April 26 his birthday he went to the office to join. It took him 8 months to be MD Club.

2 years ago he had a turning point in his mindset. He had a conversation with Xuan. Sacrifices everyday can be life changing. Small vision builds small people. Vision Strectching makes our vision wider and bigger and builds big people. It is not the company, nor the team that can make this happen. It boils down to US... ourselves...
"Mindset is Everything"- J.M
"Perception is Everything too"

- If you focus on sales you make the same amount of money based on your own effort.

- If you build people your income will be exponential

- It is dependent on how big your baseshop is.

-How many 3:3:30 , How many MDs? How many baseshop do10:10:30?

- Our business is CLEAR, DOABLE, SIMPLE and FAST!!!

- Identify and build your 3:3:30 BBaseshop

Pedhi Mehrian

- April 2011 is his 9th Year in the business. He joined and quit on the same day! His friends told him " OMG they got you too!". This is a pyramiding scheme... his best friend told him. First 18 months of the business he hated recruiting people. One of his awakening moments was when he met an engineer who can save $500/month.

- Most people you sit with do not have enough money to save to make them retire or achieve their financial goals.

- The ace we have against other companies is our capability to recruit people into the business.

- If you want big business, help more families...RECRUIT...

- The only thing that matters is the size of your team or baseshop. ... Build a BIG BASESHOP.. Recruit, Recruit, Recruit... Recruiting is about giving... Recruiting is giving someone a shot to be somebody... (P156 System Builder Book Recruiting Mindset)

- 92% of gym membership gives up in 3 weeks in the USA... it is human nature to quit.

- Military, NBA, do recruiting.. and do not get dismayed if some quits... it's natural..

- When we recruit someone, even if we die or quit ourselves, we will leave a legacy...

- TRAINER'S CREDO on Trainer Manual talks about our Top 10 Reasons why we want to WIN in this business. Use this as our anchor so as not to quit...

- We must be with our Trainees in the field. All of us have negative thoughts. So when they are excited and started to recruit and they get rejected, they have somebody with them... to share the experience and move on...

-You need to take the new recruit to the field immediately. Do not let them swim alone.

- The key is helping a new recruit to FAST START!!!

Xuan Nguyen... Final Session...

- Success of the kid is the happiest success of a parent... You are responsible for your own attitude but it is good to have your father see your success. Xuan is willing to trade millions of dollars just to have his father see his success today.

- Building MD outlets make more money than building franchises like McDo.

- Be persistent... Xuan's brother in law finally joined him after 10 years. He is now 53 and making 100K$ after a year of doing the business.

- Xuan's daughter is now his strongest leg at 200K/ month

IMG Buinsess is too big and too powerful to show to people... It is also baout changing people's lives for generation to come!!!

God bless us all!!!

Money Cost Averaging or Trading? That's the Big Question !

2011-05-21T17:25:00.000-07:00

In the most recent Daily Update of Taipan Publishing , Smart Investing Daily, it talked about the validity of the Buffet Method of Investing. That is, check the value of the company you are investing and invest on it for life consistently regardless of the trend.

Here is what Sara Nunally posted on Sat May 21 edition of Smart Investing Daily: " To Buffett, or Not to Buffett... There are many investors who look to investing guru Warren Buffett. They think if they can just copy his strategies, their portfolio might copy his gains. But his strategy might not be appropriate for you. In a sneak peek inside Jared's new book, Your Options Handbook, he talks about time horizons.
.
Each investor should have a time horizon that fits their needs. Thursday's Smart Investing Daily talks about how to form a plan with a beginning, middle and end."

Above is what analyst in the US say. On the local front, Bro Bo on his latest blog about investing into Stock Market as blogged in his daily Truly Rich Club talks about an emerging strategy which combines Active Trading and Cost Averaging. This is definitely a new wave of doing your investments and I fully subscribe to this with a little modification. There are stocks you can pick which fits the money cost averaging, and there are stocks that you can choose to trade. And, more importantly, trade only the amount you can take risk. Those that have the widest variations in a day are good candidate for trading, while the consistently within the minimum and maximum resistance levels are candidates for money cost averaging.

Bottomline is, we really have to study and learn the intricacies of getting into stocks market. Better yet, we need to make sure we have a coach to lead us the right path and we make an informed an intelligent decision. If you need one, don't hesitate to contact us.

God bless!

Investing In Philippine Mutual Funds Made Easy...

2011-05-19T17:15:00.000-07:00

Mutual Funds are not so popular investment vehicle in the Philippines for many decades. In fact, I for one did not learn about this more especially how to get into it till about four years ago. But, this is changing. More people are getting educated on what is Mutual Fund, which companies provides this, and how to get into it. One more important thing to note is that it has become easy to invest in Mutual Funds even if you are outside the country.

There are several thousands of Mutual Fund providers in the USA. Our country has just a little over 30 providers. The performances of the Mutual Funds varies as each fund manager have their own favorite sectors, and employ different strategies to generate the fund earnings. If you are to invest in Mutual Fund (MF) on your own, the first thing you must learn is what among the MF is performing well. Performance is measured on the Rate of Return to Investments. You can check this out on www.icap.com.ph. Better yet, get a coach who can show you what is best to get into, and from there learn it by yourself how to monitor the performance of the Top 10 Providers. In the past three years, the best are: Philequity (PEMI), First Metro (FAMI) and Philam Asset (PAMI). I have tracked their performance since their inception and the returns beats many alternative investment vehicles. My favorite MF is Philequity that showed an average 22% ROI since 1995. In the last two years, it had a "boombastic" performance averaging more than 50% along with FAMI and PAMI. Believe it or Not! It's true, and it's good!

The next thing you need to learn is how to get started in it. Some banks who are linked with the MF Providers is an alternative way. The other way is to go direct to brokers. And for me the easiest way will be to go to IMG or their independent representatives for guidance. You will need to fill up forms and submit copies of two valid identification cards such as driver's license and passport. The investment for FAMI and PEMI can be as low as 5000PhP, while it is 10,000 PhP for PAMI for the first investment , Succeeding investments can be as low as 1000Php only! This is very manageable, affordable, and better alternative than putting your money on savings account. You can remit your investments through bank accounts for each of the funds. I can provide you with more details about this. Just contact me. Or you can have your relatives in the Philippines do the placement for you. You just have to make sure you fill up the forms which you can conveniently download from the web page of Rampver Strategic Advisors or their Facebook account RSA.

So it is that easy, right? Of course, before you get into this Mutual Fund investing, you also must have a total financial plan, and well defined financial goals. I can coach you how to do do it right. Just send me an email.

God bless!

7% in about 3 Months!

2011-04-20T18:09:00.000-07:00

Beginning of the year showed a slump in the Stock Market as the PSEI went down from about 4200 to 3800 Index Points. Now, it has gone back to 4200 level and is poised to break this current ceiling regardless of what is happening with the Oil and Gold prices. Once again, the guru is proven right... do not time the market...just keep on investing.

One favorite Mutual Fund we have (FAMI) already had a 7% rate of return! 1M Php earned 70,000Php in just 3 months. 7% gain is what you can get in 2 years at about 2.5% TD (Time Deposit) rates. Is that good or good? Will it help you make more money from your savings and investment? Is it safe? Is it legal? The answer is simply YES and, the best thing about this is it is net of tax!!!

My fearless forecast... the projection of the financial experts that we will breach the 4500PSEI level by end of this year will come early. This is because the US economy is shrinking and a lot of people are in debt which will pave the way for investors in the US Market to find alternative Asian Markets. With our dollar reserves , good government image on anti-corruption, and many infrastructure opportunities... our country , our market is one attractive nesting place for external investors as well as our compatriots who are expats abroad looking for investment opportunities away from USA..

So keep those investments coming!

God bless!

Summer Jitters!

2011-03-26T17:49:00.000-07:00

How is your investments going? Getting jitters in your spine despite the summer heat? You need not be nervous as this is part of the natural cycles. And when it is down, I mean the stocks prices "be greedy when others are fearful" - Warren Buffet.... this is the time to buy again!

In fact, I go by the practice of continuous, and disciplined way of investing which does not mind the market movement, be it up or down. Bro Bo, Rex Mendoza our mentors in the field of correct investing is again busy encouraging people to invest, and in fact invest more now...

It's summer... it's hot... and so are the stocks market for it is at a bargain!

Go, buy your stocks now! Invest too in mutual funds....

God bless!

Free Seminars on How to be Truly Rich

2011-03-06T18:34:00.000-08:00

Hi Dear Friends,

We have asked our Spiritual Leader of Light of Jesus Community to endorse our Thailand IMG Mission and he has posted it in his FB Account and I share with you what he posted here on this blog.

If you really want to escape the grip of debt, learn how to save and invest properly, know the actual investing in mutual funds and stocks, and how to be truly rich in the eyes of men and God, join us in this free seminar... We hold it also here in the Philippines in many venues.

Email us for an appointment in your church, office, home or wherever your heart desire.

We shall be there to reach out and share to you our experience and help you become truly rich!

Here is the text of the FB announcement by Bro Bo Sanchez:

Financial Literacy Seminars this March
by Bo Sanchez on Monday, March 7, 2011 at 8:59am

My friends and financial coaches Fely and Benjie Santiago will be in Bangkok to teach Filipinos there who to become truly rich.

Join their financial literacy seminars. You'll learn a lot! Here are their schedules:

MARCH 12, 2011 - Saturday

Venue: Sathorn Park Place Condominium Conference Room - 3rd Floor

27/2 South Sathorn Road Near Sukhothai Hotel,

Behind Banyan Tree Hotel. Same drieway as Metropolitan Hotel

Host: Maria Rufli

Time: 1:00 PM - 4:00 PM

MARCH 13, 2011 - Sunday

Venue: Mary Help of Christians Church

Krungthep Kreeta, Srinakarind Road

Host: Father John Tamayo , SDB

Time: 1:00 PM - 4:00 PM

MARCH 14, 2011 - Monday

Venue: UN Office

12th Floor, United Nations Building,

Rajdamnern Nok Avenue,

Bangkok 10200, Thailand

Host: Malinee "Baby" Muangsiri

Time: 12:00 PM - 1:00 PM

MARCH 15, 2011 - Tuesday

Venue: UN Office

12th Floor, United Nations Building,

Rajdamnern Nok Avenue,

Bangkok 10200, Thailand

Host: Malinee "Baby" Muangsiri

Time: 12:00 PM - 1:00 PM

For more details please contact Rachel 0853-570-579 or email rjdd_1509@yahoo.com (Bangkok, Thailand)

Benj 09209021217 (Email: richbenj.santiago@gmail.com)

Fely 09175000917 (Email: fely.santiago@gmail.com)

BeDebt-Free - http://www.thepoc.net/thepoc-features/mukhang-pera/wealth-guidelines/7675-be-debt-free.html

Truly Rich Makers - http://www.facebook.com/pages/Truly-Rich-Makers/240959273457

Media for God, Servants on Stage - http://anluwage91.blogspot.com/2010/03/couples-in-christ.html

LikeUnlike · · Share

*
*
14 people like this.
*
o
Benj Santiago May God bless this Mission to spread Financial Literacy so that many more will be truly rich...and many more will have more resources and wealth to give back to God and fellowmen!
40 minutes ago · Like

Investing in Stocks Made Easy... Investing in Mutual Funds

2011-02-06T18:29:00.000-08:00

Investing in Stocks Equity is made easy nowadays through On-line transactions. Investments to the tune of 5000 Php or 25,000 Php as initial capital will now allow people to start up their investments. There are just a few more know how you need to develop. How to log in to the on-line brokers page and how key in to computer. You need to be at least computer literate. Secondly, you have to have the knowledge of what companies are good to buy. You do this by reading through the information the on-line broker provides. You can supplement your information by going through business sections of newspapers, or through internet or television news updates.

It is exciting and rewarding to do all the stocks investing and redeeming by yourself. However, this certainly requires a lot more time and effort. If you are newbie in investing, I strongly recommend you invest on something easier to manage. And this is by investing into mutual funds.

Investing into Mutual Funds requires very little effort and time to do. Once you set your investment goals and you have identified a Mutual Fund Provider, then all you need is to fund your investments regularly. You practically hire an expert fund manager to manage which stocks to buy and sell. (You will find on previous blogs the different Mutual Funds and how it works)

If you are making higher rate of return than the Mutual Funds, then do the investing directly on-line by yourself for this means you are beating the expert fund manager. If you want to make your investing easy, invest in Mutual Funds.

If you need any further assistance or help in either direct investing to stocks or into mutual funds, please feel free to contact me.

God bless!

Can You Really Time The Market?

2011-01-23T21:51:00.000-08:00

Investment guru Warren Buffet says you cannot. If there is someone who say they can, better be careful. No trending machine, nor statistical software can predict the market movement. Why? Because market movement is not based on something technical. It is based on people's sentiments, and when you think about it, people are emotional people and , emotions are not that predictable. People reacts to a particular stimuli differently. And so it is the same on stocks market movements.

So, the best thing to do is to make sure you invest regardless of the trends. If you want to be more conservative in your investments, then get something that guarantees returns, like Corporate Bond Funds, Time Deposits, and what I call Level 1 Kaiser 3:1 . An investment fund for Long Term Health-care.

If you want to learn more about investing...just give me a call or drop me an email.

God bless!

Earn by Money Cost Averaging....

2011-01-20T18:12:00.000-08:00

Earlier on, I have talked about two ways of making money on Mutual Fund Investments. One is Trading and the other is Money Cost Averaging. For beginners, we strongly recommend investing and earning from investments through money cost averaging...

Let me focus this blog on sharing how we can make money on Money Cost Averaging.

Money Cost Averaging means you need to have a regular frequency , and regular amount of money to be invested.

You earn by redeeming your investment when the total value of your share that you accumulated is higher than the total amount you have invested. Gain = Total Share Value- Total Investment. You lose when the Total Investments is higher than Total Share Value.

You can derive your Total Share Value by multiplying the Total Number of Shares you accumulated by the Share Value at the time you are redeeming or in formula format... Total Number Of Shares x Current Value per Share = Total Share Value.

Thus, you only redeem your shares when the value is higher than what you invested. Better yet, you just continue to invest based on the financial goal you have set...

It also means that you do not care whether the share value increase or decrease on the defined period you will put your money in. You just continually and consistently invest a regular amount of money on a regular period.

So, for example, your regular period of investing is Monthly, and your regular "Investible" Fund is 1000.00Php,

Say, the Mutual Fund you chose at the onset is 100Php/share, you can buy 10 shares. ( to simplify, I did not include the entry fee charges which is minimal). Say you started this month of January 2011. So you have 10 shares which has a share value ( or in Mutual Fund Terms - NAVPS: Net Asset Value Per Share) of 100Php/share

February, the share value dropped to 50Php/share, and so you can buy 1000Php/50Php/share = 20 shares. Now you have 10+20 = 30 shares in February. If you sell of the shares you have in January which you bought at 100, you certainly wont make money.

Come March, the share price dropped further to 25Php/share, you continue to invest in spite of the drop because you can buy 1000php/25php/share= 40 shares. Come March, while the share value continue to drop, the total number of shares you already have is 10+20+40= 70 shares. Net value is 70 shares x 25/share = 1750 php. Again, if you sell it at this time, you lose as your total investment is at 3000 Php but your share value is only 1750. DO NOT SELL at a LOSS.

Come April, you invest again 1000Php and the share price kick up to 50/share. You can buy again 20 share which will make your total investment at 4 months x 1000Php/month = 4000Php and your total number of shares in 4 months is 10+ 20+ 40+ 20 = 90 shares. Your total share value is 90 shares x 50Php/share = 4500Php. So at this point you can realize a gain of 4500Php- 4000Php = 500Php or about 12.5% gain in 4 months.

So, Money Cost Averaging only works if you have consistent investments. If you just put your money one time hoping that it will earn, say you just put 1000Php in January, by April, if you sell it at 50Php/share you still lose 50%, but if you follow the Money Cost Averaging technique, you would have earned 12.5% on the same market trend.

If you want to learn more about investing, just give us a call and we will be more than happy to assists you.

Happy Investing...

God bless us all...

Start Young..Start Easy...

2011-01-19T07:22:00.000-08:00

Yesterday I met a 21 year old ( his name is Ryan Pesigan) whom I will call Genius. He works on a call center as a report analyst and soon to be ...an assistant supervisor after 3 years of working in said company. This means that he has started to work at age 18. He lives with his mom who is separated from his dad. This is not the reason I call him Genius.

He has been an avid fan of Bro Bo Sanchez and has read his books (8 Secrets of Truly Rich, Choose to Be Wealthy ) among other books written by Bro Bo., He is also a member of the Truly Rich Club. He has read also the RIch Dad Poor Dad book by Robert Kiyosaki. At his age, this is unusual, thus, I know now, you are nodding your head in agreement that this guy is a genius. Financially genius.

What he lacked was , the HOW TO DO IT.... He is full of concepts in his mind that he sought us up to be coached on how to apply the concepts he has learned from reading books about growing money and journeying towards financial independence.

Now, that makes him truly genius because he wants to apply what he learns, and he is lucky to have us as his coach. And more than that, he is very young at 21. If he takes action and execute a disciplined approach to saving and investing, it will guarantee him to be a millionaire before he turns 45. At 21, he is starting very young and it will be easy for him to achieve his financial goals. Imagine, with just 1000Php/month @12% average ROR for the next 25 years, he will be able to accumulate 1.8M Php. And you know what, he opted to save more than 4000Php/month. You can do the math yourself.

So be like him... Start Young...Start Easy...

God bless!

Last 2 Years Mutual Fund Picks ...WInner! More than 100% Returns...

2011-01-17T15:06:00.000-08:00

We are proud to note that we have 100% batting average in investing on winner Mutual Funds. We picked in 2009 Philequity, Last year, we placed our money on FAMI (First Metro Save and Learn Equity Fund). ROR for 2009 of Philequity was about 64% and last year FAMI gained about 63%. More than 160% total gain as this is compounded growth.

How did we know what to pick, we have a champion coach! He is Rex Mendoza . On our own, we do not have the know-how and technology. But because we are part of International Marketing Group, we had been fortunate to be coached on what Funds to invest in.

What we invested in, we also shared with our family and friends. So those who acted on what they have learned from our sharing also were winners!

So have you invested on winners? Do you have a champion coach? Do you want to learn how to start earning from Mutual Funds? Just contact us and we will be more than happy to help you get started.

Happy investing!

God bless us all!

How To Make Money By Investing!

2011-01-15T07:42:00.000-08:00

I had a friend, he invested a one time amount and expected to earn form it. I also invested some time ago on Petron's IPO that did not earn what I expected it will. So many clients and friends tell me the same story, that investing does not make them money. They are wary that what they invested had not earned anything for them and so does not want to repeat the same, so they shy away from any form of investment.

Another case is that of a company who invested 3M in Mutual Funds last 2008 and when the Net Asset Value Per Share (NAVPS) plunged by as much as -34%, they sell it off at a loss, and then concluded, it is not good to invest in Mutual Fund. We cannot make money on investing!...

What is the missing activity or process that leads many to have this experience and then concludes it is not good or even safe to invest? Obviously, it is lack of knowledge and correct practice in investing.

There are two ways of making money on investments... One is what we call Trading, and the other way is Money Cost Averaging.

Trading is buying and selling . So stocks trading is also buying and selling stocks. It is timing the market when it goes down so you can buy shares and selling it when the share price goes up. I will liken this to any kind of trading. You buy then you sell it again to interested buyer at the cost you buy it plus your profit. This kind of making money in stocks or shares in Mutual Funds requires timing, and trending. Some people earn from trading in stocks this way , but based on the information I have obtained from our mentors, only 20% win this way. 80% lose their money in trading.

The other way is to maximize money cost averaging. This is a more disciplined approach in investing and does not require you to time the market. Meaning, you just consistently and continuously invest regardless of whether the share prices are on upward or downward trend. This is what we recommend investors do. This is also what Warren Buffet recommends when he said "do not time the market".

Of course, profit or loss is only realized when you sell off your shares. Therefore, the rule is you only sell at a profit so you win.

If you want more specific and personalized coaching on Mutual Funds, please feel free to contact me.

God bless!

Investing in Different Levels of Risks and Rate of Returns..How?

2011-01-12T18:47:00.000-08:00

Hi Dear Friends....

Hope you got to read my emails and blogs in relation to investing...
.
If you are Age 40, this is still not too late. You still have about 20 Years to do it. We have started our own journey to financial freedom when we are already 50 so you have a 10 year head start. We are also coaching senior citizens and they do can still make it. Of course starting very young like age 22 or even younger like my 14 year old daughter who started age 10 is a major plus. Since we cannot turn back the hands of time, we can definitely start up our kids when they turn 10. An opportunity which our parents were not able to do , but we can for our kids. Let's teach them also the right way to save and invest.

I want you to access through FB Rampver Strategic Advisors so you can be updated on the latest trends of the top Mutual Funds.

Another web page I want you to also access is http://www.icap.com.ph which shows the different investment companies on Mutual Funds.

You will be able to see trends of the different mutual fund companies.

Now, on investing in different financial instruments like Stocks , Mutual Funds, TDs, CDs... these are different investment opportunities with different levels of Risks and Rate of Returns.

As you know, high risks means higher Rate of Return- ROR , No and low risk means no and low returns. So the higher the Level , the higher the Risk but the higher the ROR..

I would advise that you go Level 1 first, then Level 2, then Level 3. Do not go for Level 0.

What are Level 0. These are the no risk low return which is a sure loss. Anything that gives interest earnings of less than the prevailing Inflation Rate is a sure loss. Current inflation rate data for year ended is about 4% (3.8%).

I consider the direct stocks investing we are doing with CitisecOnline as Level 3. We can coach you on this as well.

Level 0 is actually putting your money on the bank SD, TD with guaranteed but very low rate of return ranging from 0.5 to 2% net of withholding tax.

Level 1 is putting it on an Investment Fund with guaranteed returns such as KAISER, and Corporate Bonds.

Level 2 is putting your money on Mutual Funds where you allow a fund manager to handle it for you.

Level 3 is you managing your own funds by selecting and timing your investments and withdrawals.

We have to make sure we will be able to cover all these in time but start with Level 1 and 2 first.

Level 1 will develop the habit and discipline of investing , while level 2 will introduce you to trends and behavior of the market you need to learn to go for Level 3.

There are many mutual funds available in the market... More than 30 in fact. But we have to know which one are best to get into. This means we have to have some level of Financial Intelligence. That is why I call it Level 2. Compared to Level 1 which requires very little decision making .

Now you know this, our very first activity is actually to determine why we have to invest? What is our reason? What are our financial goals?And what is our current cash flow?

I can send through email the financial check up forms you can use to perform your own personal financial check up which you have to do together with your spouse if you are married, and I suggest together with your kid if you have anyone who is at 10 years and above. It would be a liberating activity for the family to do a financial check up and
planning. Scary at first but very rewarding.

So for now, read this over and over, then go the sites I have listed above.

Then, let's work on your financial check up.

God Bless You!

What's the Fuzz Over Credit Rating?

2011-01-10T23:30:00.000-08:00

To better understand what a country's credit rating is, let me situate you first in a smaller scale...That of a person. Someone who is heavily in debt to many creditors. As in many credit cards or personal loans from a bank. Now, we all know that before a loan is approved, the creditor conducts investigation to check on the credit standing of the person asking for a loan. If the person is able to pay up the loans on time, and if the income of the person is still enough to pay off new loans then he has good credit standing. If the person is not able to pay in time, or worse, defaults payment on loans, then he has a bad credit standing.

If you have a good credit standing, you can even ask for deferment or even outright abrogation of your annual credit card fees. You can even negotiate for the least interest charges. But, If you have a bad credit standing, your cards may even be hold or denied usage. You may even be forced to get new loans from loan sharks who charges higher interest rates just to pay off your other loans.

Much is the same of that of a country's credit rating. the international banks will not give a loans If a country has a bad credit rating, Or in case they will provide the loan , the interest charges will be made higher as the risk of none payment or defaults in payment are highly probable.

So what is the fuzz over credit rating of a country? We just had a notch higher rating from FAVORABLE to POSITIVE . This means that the world financial institutions look at our country as one viable country for credit or loans . This means our country's economic team can shop around for the least interest rates. This also means that the local banks would not be burdened by government borrowings which makes more money available for private companies or institutions' use. This will also mean lowering of local banks interest rates as more money from local banks will compete to get the capitalization requirements of companies expansions.

This in turn will mean more money at lesser interest to fund companies expansion programs which ultimately will redound to more jobs, and better economic condition to the common people.

With more money inflow from off shore creditors, there is not much need for Government T-Bills and Bond Funds, this means that the interest earnings for these instruments will go down. Thus, movements from Bond Funds to Stocks Equity will be expected.

What about us investors on stocks or equities? What is the impact to us of this improved credit rating? This is good news to us, because companies expansions would mean economic upturn and therefore increase in stocks prices for there will be more buyers into the stock market rather than putting their money on T-Bills or Government Bond Funds.

So, go out and invest now!

God bless us all!

RSA Updates for 2011... Continue to Ride The Bull !!!

2011-01-09T21:18:00.000-08:00

Hi All,

Please share this update to your friends so they can also RIDE with us!!

With DISCIPLINED approach to investing, EVERYONE can be MILLIONAIRES even with monthly investment of P1000... in your favorite Mutual Funds.

To learn more about our MISSION to spread financial literacy, our regular training schedule in IMG as follows:

Monday 2, 4, 630pm (Wealth Academy Series 1-4) - Makati; BPM 6pm Sherwood Hills (Our house)
Tuesday 7pm 2Business Presentation Meeting (BPM) - Makati
Wednesday 2, 4, 630pm (Wealth Academy Series 1-3 plus higher series) - IMG Makati
Thursday 6pm BPM - IMG Dasma Office
Friday 7pm - BPM IMG Makati
Saturday 2, 5pm (Wealth Academy)

Help SPREAD our MISSION and help create wealth for families! NO family left behind..

Spread this GOOD NEWS!!

May You Be Blessed!

...fely

IMG MarketingDirector

02 7827573

0920 9613126

0917 5000905

0923 8848658

Simple Steps to Riches

TheFinancial Planning Process

UnderstandingPooled Funds

BeDebt-Free

IMG Vision: To Build and Provide the Best Business Opportunity in the World

IMG Mission: To Make a Difference and Help Create Wealth for Families. No Family Left Behind

IMG: The Total Financial Solution

From: Ericson Menor [mailto:eric.menor@rampver.com]
Sent: Monday, January 10, 2011 11:39 AM
Subject: RSA MARKET UPDATE & OUTLOOK 1Q 2011

Dear Valued Clients:

RSA is very glad to share with you our first market update for this year.

It shows the summary of the highlights of 2010 as well as the analysts’ market outlook and compelling reasons for investing in 2011.

We have so much to be thankful for. 2010 was a combination of the year of the “Tiger” and The “Bull” for the Philippines. We not only had been blessed with a generally peaceful elections but our local stock market ended with a bang as well. And with the great outlook for the new year, we certainly have something to look forward to and a fresh and positive start for 2011.

While it is good to hear and read about all the positive projections and reviews for the market, getting excited is a different story from literally acting on it. Let us not fall into the traps of procrastination to delay savings and investing. Begin the year right by diversifying some of your hard-earned money into reputable investment instruments with proven track records. What’s good is that you do not have to look far – you can just contact our Business Development Officers (894-1811 or 812-1995) to know more about your options and the mutual funds that we highly recommend.

Happy New Year!

---

Ericson Menor

Business Development Officer

Rampver Strategic Advisors (RSA)

Unit 6F, 6thFloor,

PDCP Bank Center Building,

VA Rufino Corner L.P. Leviste Streets,

Salcedo Village, Makati City

Tel. Nos.: 812-1995; 894-1811

Fax No. : 894-1811

Cellphone No.: (+63) 09083802640

Email: eric.menor@rampver.com

Website: www.rampver.com / www.rampveradvisors.com

rsa 2

facebook image

More Reasons Why We Must Continue to Invest...

2011-01-09T06:56:00.000-08:00

After two years of more than 60% ROR in my favorite Mutual Funds, the question I have , as well as of those whom we coach is: Now, do we still invest? Of course, we have to continue to invest as we expect the market to continue to swing upwards. And, my fearless forecast is that Mutual Funds will continue to beat the past 5 year record trends.

See the update below I have taken from PDI dated 01/06/11....

So, what are you waiting for? You want to see the stocks dive first before you come in? You wont be able to time the market... just continue to invest and you surely will be able to achieve your financial goals..

Happy investing!

God bless!

Philippine Daily Inquirer
First Posted 21:52:00 01/06/2011

Filed Under: Stock Activity, Markets & Exchanges

MANILA, Philippines—Share prices inched up Thursday as investors took heart from buoyant sentiment abroad.

The main-share Philippine Stock Exchange index added 4.27 points, or 0.10 percent, to 4,217.25.

The modest upswing was led by the holding firm and mining/oil counters, which surged by 1.16 percent and 1.68 percent, respectively.

On the other hand, investors traded industrial, financial, property and services stocks with caution.

Value turnover amounted to P4.34 billion. There were 92 gainers against 62 decliners, while 33 stocks were unchanged.

There was a net foreign selling of about P241 million.

The most actively traded stock for the day was newly listed mining firm Nickel Asia Corp., whose share price rose by 5 percent to P18.46 a share.

Other stocks that gained on heavy volume were Manila Electric Co., SM Investments Corp., Energy Development Corp., Semirara Mining Corp., Alliance Global Group Inc., Megaworld Corp., Ayala Corp., Atlas Consolidated Mining & Development Corp., First Philippine Holdings Corp., Cyber Bay Corp., Philex Mining Corp., Universal Robina Corp. and Aboitiz Power Corp.

On the other hand, Metropolitan Bank & Trust Co., Cebu Air Inc., Philippine Long Distance Telephone Co., Ayala Land Inc., DMCI Holdings Inc. and SM Prime Holdings Inc. succumbed to profit-taking.

On Wall Street, brisk trading was sustained overnight on a string of favorable US economic indicators, the latest of which was a larger-than-expected increase in new private sector jobs.

The Dow Jones Industrial Index was up by 31.71 points, or 0.27 percent, to 11,722.89.—Doris C. Dumlao

New Year's Resolutions in Investing! How do we Really Get it Done this time?

2011-01-01T07:08:00.000-08:00

What's my new year resolution? What about yours? Well, for most we focus our resolutions on reducing our waist line that seemed to double in the past several days of eating and partying through the holiday celebrations. For some, their resolution will include having to spend more time for exercise. And so we would always find the gym filled up and people lining up in cue on their favorite exercise machines.

Give it a month or two and you will certainly see most people abandon their resolutions. Back to eating galore and the gym will also be back to the normal situation that there are more exercise equipment than users.

What is the number one reason for such a phenomenon? Well , as for me, the number one reason will be the lack of self drive which in practical terms is simply discipline.

Much like in Investing and Saving. You would often hear people say that they would start to save and invest come new year. "Just let this season of spending be over and we will talk about my saving and investment plans"...They do start, but do not persist in investing. And you know why? Same reason...DISCIPLINE.

This is why we need to make sure when we have our resolution , be it in our physical aspect, spiritual side, or financial life, we need to have a group that we can join to ensure we develop the habit, and self drive in achieving what we resolve to do. We need to be in a community of people with the same drive and aspirations so we can be inspired and inspire others as well to put to completion what we say we would do as our New Year's resolution.

God bless our plans and our resolutions!

Investing In Real Assets and On Paper Assets

2010-12-17T18:59:00.001-08:00

Investing takes many forms. You can invest on things like shoes, bags, jewelries, on real property like house, lot, condo unit, cars, or on farming like cattle, pigs, or crops, and you can invest on paper assets such as Mutual Funds, Stocks Equities, Cooperative Shares or even direct corporate shares.

If you are first time investor, in view of these many and beautiful things you can invest on, you will have to learn how to, and which one to start with. This is very tricky task as there are those who will offer you these investments in exchange for your hard earned money. They will tell you or dictate to you which one to start with and if you are not in the know the proper way of which to choose, you will end up losing bigger opportunities for your money, or worse, you lose your money outright.

So how do you choose which to start with and which to choose from the whole array of investment possibilities? Let me share to you some practical ways I use .

There are three things I recommend you do: 1. Always counter check if it is really an Asset or Liability based on Robert Kiyosaki's definition, 2. Calculate or check prevailing rate of return, 3. Get a coach.

In my experience, based on Philippine scenario, real property trends, and the Stocks Market Trends, the best so far to invest in is on Mutual Funds and Stocks Equities. I should have deferred investing on real property which for the last 15 years had not grown more than 20% each year which one Mutual Fund has performed on the average in the last 16 years.

Once you have built up your paper assets, then you can buy at a bargain real properties or assets because CASH is KING!

If you want to learn more and wan to be coached how to do proper investing, please feel free to contact me or give me a feedback.

God bless!

Spend Now or Later? Save Now or Later? Christmas Commercialized....

2010-12-09T22:27:00.000-08:00

Every-time the last three (3) months comes, the Christmas frenzy heightens up. Christmas bazaars, Christmas Sale and thus Christmas spending abound. It is a beautiful season of giving but I hope we do not over do it. I hope and pray we can be spared from the commercialism of Christmas. I hope too that we have the right direction and answer to the question: Spend now or later? Save now or later?

We must be thankful for all the blessings we have received and show our gratitude by giving to people and institutions. We must carry on with the tradition of gift giving and still be able to save for future needs. How do we do this? Very simple. We stick to our prosperity formula. Income- Tithes(10%) - Savings(20%) = Expenses (70%). Since there will be an inflow of money which is our 13th month pay, we must ensure we allocate the amounts the same way and not go beyond the 70% of the Cash In-Flow.

We also have to ensure we only buy things that we really need and give also things which people can make use of and more importantly a basic need. For institutions that we would like to help, cash gifts is most appropriate. For individuals, and loved ones, we should identify what do they really need, which we also can afford.

We must not fall for SALE items which we actually do not need or we still have. Do not fall for nice items to replace old ones that are still usable. Many fall for new LED TV or a touch screen phone, to add on to their still working TV or phone. Big purchases like new cars also happens during this season as the cash inflow is really huge, but how about next month? Will there be another 13th month pay?

So there you are friends, I submit that we must spend now within our means and not later for this is the season of giving. And we must consistently do it even if it is not Christmas. Giving must be consistent and all through out the year. That's the real spirit of Christmas.

I also propose we save now and not later at least 20% of the total cash in-flow. And we must not fall victim to the commercialized Christmas.

Spend within your means for what is needed and save whatever you can consistently this Christmas and through out the year!

And if you invest on a November to December period you will usually get some bargains in Mutual Funds and while many spend their money to things they do not need, it will be a fantastic opportunity to SAVE and INVEST your 13th Month Cash In-Flow to Mutual Funds. Money you can spend for your future needs!

Happy Spending and Saving! May your Christmas be really merry including your New Year!

God bless!

The Market is Down... Litmus Test for the "Right Way of Investing"

2010-11-12T01:05:00.000-08:00

The usual dip of the market while we approach Christmas Season is happening. The market as indicated by PSE Index tumbles down to 4000 from 4400 as of today due to profit taking. Most probable cause is to have Christmas Spending Money.

Prior to that, many are so happy to see their investments climb up the ceiling way above the expectations. The "day traders" out number the "stocks investors". Those of us who are still trying to learn the "right way" are instructed not to look at the trends. Those who chose to go and do it without a coach or guidance invest also and are happy with the results.

Now, that the market has reversed directions going downwards, we receive many calls, asking, what is happening, and what do they have to do with their stocks. Do they sell or stay?

The answer is obvious. Continue to invest regardless of the trend. Check your goals and align your stocks investments actions based on your goals. Do not panic, it is expected to climb again and go beyond the 5000 (PSE Index) points level.

God bless!

Mutual Funds Return Zoom Past the 70%

2010-11-07T07:26:00.000-08:00

Exactly 2 months ago, also here in my blog, I wrote that the Mutual Funds (MF) Rate of Return (ROR) is at 39%...Now in just 2 months, yes 2 months, another 30% has been gained!!!

When we tell people who are not in the know of Mutual Fund Investing, they would be scared to hear this kind of ROR. Instead of saying Hallelujah...they will be certainly crying out loud...SCAM...

But those of us, in the know...we see this as early Christmas Bonus! Hallelujah is what we exclaim! Because we know and is knowledgeable where to invest our hard earned money. We do not rely on others to invest it for us which usually happens to most people. They put their money in the bank, and let the bank do the investing for them and thus instead of getting the full potential of their money at 70% ROR, they get a measly 0.5% from Savings Deposits and if they are with large sums of deposits mayne able to swing it to 4% ROR. A pale comparison to the 70% that we get.

It is so easy, and it is continually made easy for ordinary folks to invest in Mutual Funds. With just 5K PHP you can already start your MF Investments.

If you want to learn and do this too, just give me a call or respond to this blog.

God bless!

Mutual Funds Unprecedented Gains!

2010-09-06T19:07:00.000-07:00

Last year, one mutual fund we invested on gave us a return of 64.9%, and we thought it is a fluke as we are just simply recovering from a negative slump of more than 34%.

Early this year, the projections were conservative at about 20-25%, but as I write this blog...the rate of return of one fund we invest on is already at 39% and still expected to zoom fast to 50%.

There were those who listened and was convinced that our Mutual Funds here in the Philippines is on the upsurge. They however, did not act on it. There were those who want to act on it, but do not know where to start and get into companies that provides access to Mutual Funds. They also did not really act as they are ashamed to ask for assistance and coaching.

Lucky are those connected with IMG- International Marketing Group who have direct access to companies that provides Mutual Funds. They are now gaining the return on their investments on an unprecedented growth rate...and it is not going to go to a halt... by all indications, the stock market is going on a bull run and this will carry with it the Mutual Funds specially those invested on Equity Funds.

You want to have the same opportunity to ride this unprecedented bull run in the mutual funds? Contact us for coaching and guidance on this Mutual Funds investing.

God bless!