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“For I know the plans I have for you, declares the
LORD, plans to prosper you and NOT to harm
you, plans to give you hope and a future.”
Jeremiah 29:11 (NIV)
You will be the head and not the tail. You will
lend to many nations, but you will not have to
borrow from any. Excerpt from Deut. 28
In all your ways acknowledge Him and He will
crown your efforts with success. Excerpt from
Reason #1: Emergency Fund
Reason #2: Inflation
Reason #3: Personal Goals
Kindly list 3 SPECIFIC personal
goals that can inspire you to save?
Saving means to KEEP your money.
Investing means to GROW your money.
Investing is about committing money with the
expectation of getting something in return.
It is making money work for you … NOT you
working for the money.
Active income means you physically have to work
for the money (salary). Passive income is a state
where your money is working hard for you (stock
Do you work for your money?
Do you let your money work for you?
Both a and b.
How do you handle your finances after
receiving your pay (sweldo)?
Most books recommend these 3
** 10% Tithes
** 20% Investment Fund
** 70% Personal Expenses
Investing is NOT only for the rich people. This is
a very common misconception. (A Little Extra: Bo
Sanchez taught his maids to invest in stock
Saving in a bank does NOT beat inflation.
You do NOT need to be a financial guru to
understand the basics of investing.
Gains (tubo) does NOT happen overnight!
Time Deposits on the average has 2%
- 2.5% rate of return (per year).
Philippine Stock Market on the average
has 12% - 20% rate of return (per
I invest Php 10,000 today.
I will leave that money for 15 years in the
I won’t add any amount and I won’t pull
out any as well.
If I’ll get the lowest average rate of
return (12%) how much should I earn?
I want to be a part-owner of Jollibee.
I can’t go to the owner and tell him I
want to be one of his partners.
By investing in stock market, I can do
That’s how stock market works, we buy
shares of stocks and when they make profit,
we’ll have our share of money too (profitsharing)!
There are 2 ways to earn from the
Price (per share) of Jollibee last 2010 was
Php 47.50, today’s price is Php 125.00
Ayala Land, Inc. issues Php 0.50 dividend
Between the two, capital appreciation is
a major way to earn in stock market.
Assumption is you purchased Jollibee shares last 2010
and you leave it for 3 years. That’s it.
% of Gain
What are your initial thoughts
on stock market? Share
Traditional – Visit Philippine Stock Exchange (PSE) personally, talk
to a broker and tell him that you want shares of Jollibee.
Online – Open and fund an account with COL Financial and buy
shares of Jollibee.
Each time you buy / sell shares of stocks, an
electronic confirmation will be sent to your e-mail
Open a COL account.
You can either go at their office (Ortigas) or
e-mail the requirements, or have your
documents picked up by COL messengers.
Fund your COL balance.
You can either deposit via online banking (my
favorite!) or deposit via bank (they have
BDO, BPI and Metrobank as their partner
WHY do we need to invest?
WHAT are the 3 simple steps on how to
budget your personal money?
SAVINGS vs. INVESTING
HOW does stock market work?
Basic action items about COL Financial
What are blue-chip companies?
Simple ways on how to maximize our
earnings in stock market.
What stocks should I be buying?