The document is a disclaimer provided by COL Financial Group Inc. for an informational presentation on building wealth through stock investing. It states that the information presented is for informational purposes only and does not constitute financial advice. It is the responsibility of the client to evaluate the accuracy of the information. The information should not be used as a substitute for specific financial advice. COL Financial Group and its employees shall not be liable for any decisions made by clients based on the information presented.
Investing in philippine stock market for beginners - a quick start for Filip...Omeng Tawid
Investing in philippine stock market for beginners - a quick start for Filipino (Pinoy) investors:
Excerpt:
Stocks are simply shares of ownership in a
corporation. Thus anyone owning stocks or shares of
a company is called the company’s shareholder or
stockholder. Being a part-owner, you partake in the
performance, growth, earnings and profits, as well as
losses, of these companies.
The stock market is the place where people
converge to buy and sell shares or stocks through an
authorized stockbroker. That means once you have
your broker and enough money to buy stocks, you
can readily start investing in the stock market and
brand yourself as a noble shareholder of giant
fantastic companies.
In the Philippines, the Philippine stock market is the
place where you can invest in Philippine Stock
Exchange (PSE) - listed companies. And only those
people or firms accredited by PSE as authorized
brokers can participate directly in trading and putting
buy or sell orders.
Why Invest? To make your hard-earned money
work even harder for you
Investing enables one’s savings to grow or
appreciate to achieve various
long term financial goals. It is
said to be the most effective
way of building personal
wealth and attaining future
financial
security
for
oneself. It also safeguards
one’s capital against
inflation which erodes
the purchasing power
of your money if it’s not
invested.
Why stock market?
Because history says
so!
The fact is that stock
market is not the only
type of investment present
in the capital market. But history has proven that
nvesting in the stock market over the long-term has
outperformed all fixed-income instruments, plus it
offers good protection against inflation. The market
undeniably continuously experiences highs and lows,
dumps and trumps, and blows and dips, but these
short-term pictures are just tiny pixels compared to
the general uptrend portrait recognized in the long
run.
Who can invest? Everyone can!
Anyone can invest in the stock market. It is a readily
available choice of financial vehicle for those who
want to make their hard-earned money work even
harder for them. Millionaires or not, everyone can
earn in the same battle field.
Everyone motivated can do it.
When should you invest? When you’re ready!
That’s when you have money you won’t need for
your basic expenses, which you would otherwise put
in a bank. It’s better if it’s made available in a longer
time as it allows the investment to ride through the
Follow these simple rules and safeguard yourselves from investment blunder. The presentation is extremely simple and easy for anyone to comprehend. It will give you an idea whether you should invest directly or you need to approach a professional. Investment could be at stocks, gold, mutual fund, bonds, real estate, etc.
A special situation refers to particular circumstances involving a security that would compel investors to buy the security based on the special situation, rather than the underlying fundamentals of the security. This type of investment is an attempt to profit from a potential rise in valuation that the special situation presents. There could be a near-term catalyst to quickly gain from the resolution of a special situation, or it could take many months or years.
Special situation investment opportunities can take many forms and involve multiple asset classes. Typical special situations can arise from spinoffs, tender offers, mergers and acquisitions, bankruptcy or distress, litigation, capital structure dislocations, activism, or just complexity that the market does not understand.
Now you can learn the 12 golden rules of investing success. This is something that all most anyone can learn and apply to achieve greater financial security. Start with the basics and learn all the rules followed by successful investors. You can do this. The presentation is available for purchase from Scribd https://www.scribd.com/doc/241726833/The-12-Golden-Rules-of-Investing
Investing in philippine stock market for beginners - a quick start for Filip...Omeng Tawid
Investing in philippine stock market for beginners - a quick start for Filipino (Pinoy) investors:
Excerpt:
Stocks are simply shares of ownership in a
corporation. Thus anyone owning stocks or shares of
a company is called the company’s shareholder or
stockholder. Being a part-owner, you partake in the
performance, growth, earnings and profits, as well as
losses, of these companies.
The stock market is the place where people
converge to buy and sell shares or stocks through an
authorized stockbroker. That means once you have
your broker and enough money to buy stocks, you
can readily start investing in the stock market and
brand yourself as a noble shareholder of giant
fantastic companies.
In the Philippines, the Philippine stock market is the
place where you can invest in Philippine Stock
Exchange (PSE) - listed companies. And only those
people or firms accredited by PSE as authorized
brokers can participate directly in trading and putting
buy or sell orders.
Why Invest? To make your hard-earned money
work even harder for you
Investing enables one’s savings to grow or
appreciate to achieve various
long term financial goals. It is
said to be the most effective
way of building personal
wealth and attaining future
financial
security
for
oneself. It also safeguards
one’s capital against
inflation which erodes
the purchasing power
of your money if it’s not
invested.
Why stock market?
Because history says
so!
The fact is that stock
market is not the only
type of investment present
in the capital market. But history has proven that
nvesting in the stock market over the long-term has
outperformed all fixed-income instruments, plus it
offers good protection against inflation. The market
undeniably continuously experiences highs and lows,
dumps and trumps, and blows and dips, but these
short-term pictures are just tiny pixels compared to
the general uptrend portrait recognized in the long
run.
Who can invest? Everyone can!
Anyone can invest in the stock market. It is a readily
available choice of financial vehicle for those who
want to make their hard-earned money work even
harder for them. Millionaires or not, everyone can
earn in the same battle field.
Everyone motivated can do it.
When should you invest? When you’re ready!
That’s when you have money you won’t need for
your basic expenses, which you would otherwise put
in a bank. It’s better if it’s made available in a longer
time as it allows the investment to ride through the
Follow these simple rules and safeguard yourselves from investment blunder. The presentation is extremely simple and easy for anyone to comprehend. It will give you an idea whether you should invest directly or you need to approach a professional. Investment could be at stocks, gold, mutual fund, bonds, real estate, etc.
A special situation refers to particular circumstances involving a security that would compel investors to buy the security based on the special situation, rather than the underlying fundamentals of the security. This type of investment is an attempt to profit from a potential rise in valuation that the special situation presents. There could be a near-term catalyst to quickly gain from the resolution of a special situation, or it could take many months or years.
Special situation investment opportunities can take many forms and involve multiple asset classes. Typical special situations can arise from spinoffs, tender offers, mergers and acquisitions, bankruptcy or distress, litigation, capital structure dislocations, activism, or just complexity that the market does not understand.
Now you can learn the 12 golden rules of investing success. This is something that all most anyone can learn and apply to achieve greater financial security. Start with the basics and learn all the rules followed by successful investors. You can do this. The presentation is available for purchase from Scribd https://www.scribd.com/doc/241726833/The-12-Golden-Rules-of-Investing
Katalyst wealth a guide to grow your wealth by 190 timesKatalyst Wealth
At Katalyst Wealth we are passionate about sharing our philosophy of value investing, and enabling every individual to become successful investor. We believe that every individual can become a successful investor because successful investing is more about the following few very basic things:
1. Common Sense
2. Leveraging the 8th wonder of the world i.e. Compounding
3. Patience and
4. Overcoming our EGO
Most people believe Equity analyst’s to be super intelligent and correlate successful investing with Intelligence Quotient (I.Q.); however we would like to clear this myth and bring to light the fact that the most intelligent of all Albert Einstein faltered in investing. So it’s more about Emotional Quotient and Common Sense when it comes to investing in stocks.
La presentación corresponde al evento:
English version: https://youtu.be/JxOIJmCO1Ao
Versión española: https://youtu.be/owp_txi4erU
Pavel Begun (cofundador de 3G Capital Management) es entrevistado en Value School por Carmen Pérez Baguena, analista senior de Cobas Asset Management.
Pavel y su socio conforman el equipo de análisis de 3G Capital, porque afirma que cuantos menos sean en el proceso de investigación, más pueden controlar el núcleo de decisión.
El entrevistado nos cuenta su trayectoria profesional, que empezó a los 11 años vendiendo fresas y manzanas en un mercado. Después emprendió varios proyectos, hasta llegar a Estados Unidos con 20 años, donde además de continuar con sus iniciativas empresariales se introdujo en el mundo de la inversión. Pavel asegura que simultanear ambas cosas le ha permitido mejorar en los dos campos.
También nos desvela que su filosofía principalmente se centra en buscar las 3G (Good): “buen negocio, buena gestión y buen precio”. Parece una máxima muy sencilla, pero realmente “es un trabajo muy duro y complejo”.
¿Cómo define un buen negocio? Negocios sencillos de entender, con una trayectoria registrada de sostenibilidad en liderazgo, negocios que den buenos retornos sobre el capital invertido (15-20% o superiores). Esto puede aplicarse a cualquier sector, con algunas excepciones. Por ejemplo, las prendas de moda, porque es un sector muy cambiante.
¿Cuál sería el buen precio de compra y de venta? ¿Cómo intentan minimizar el riesgo? Carmen Pérez Baguena no se deja nada en el tintero a la hora de preguntar. Al finalizar su entrevista, comienza la ronda de preguntas de los asistentes y de los conectados vía streaming.
Libros recomendados:
Armas, Gérmenes Y Acero (ENSAYO-CIENCIA) (Jared Diamond)
What Intelligence Tests Miss: The Psychology of Rational Thought (Keith E. Stanovich)
La riqueza y la pobreza de las naciones (David Landed)
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
This presentation tries to give a perspective on understanding cyclicals. Understanding of business and market cycles. With examples from Indian market. This was presented at CFA society, Delhi on Dec 14, 2019 and at FOF, PPFAS on Dec 20, 2019
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
Katalyst wealth a guide to grow your wealth by 190 timesKatalyst Wealth
At Katalyst Wealth we are passionate about sharing our philosophy of value investing, and enabling every individual to become successful investor. We believe that every individual can become a successful investor because successful investing is more about the following few very basic things:
1. Common Sense
2. Leveraging the 8th wonder of the world i.e. Compounding
3. Patience and
4. Overcoming our EGO
Most people believe Equity analyst’s to be super intelligent and correlate successful investing with Intelligence Quotient (I.Q.); however we would like to clear this myth and bring to light the fact that the most intelligent of all Albert Einstein faltered in investing. So it’s more about Emotional Quotient and Common Sense when it comes to investing in stocks.
La presentación corresponde al evento:
English version: https://youtu.be/JxOIJmCO1Ao
Versión española: https://youtu.be/owp_txi4erU
Pavel Begun (cofundador de 3G Capital Management) es entrevistado en Value School por Carmen Pérez Baguena, analista senior de Cobas Asset Management.
Pavel y su socio conforman el equipo de análisis de 3G Capital, porque afirma que cuantos menos sean en el proceso de investigación, más pueden controlar el núcleo de decisión.
El entrevistado nos cuenta su trayectoria profesional, que empezó a los 11 años vendiendo fresas y manzanas en un mercado. Después emprendió varios proyectos, hasta llegar a Estados Unidos con 20 años, donde además de continuar con sus iniciativas empresariales se introdujo en el mundo de la inversión. Pavel asegura que simultanear ambas cosas le ha permitido mejorar en los dos campos.
También nos desvela que su filosofía principalmente se centra en buscar las 3G (Good): “buen negocio, buena gestión y buen precio”. Parece una máxima muy sencilla, pero realmente “es un trabajo muy duro y complejo”.
¿Cómo define un buen negocio? Negocios sencillos de entender, con una trayectoria registrada de sostenibilidad en liderazgo, negocios que den buenos retornos sobre el capital invertido (15-20% o superiores). Esto puede aplicarse a cualquier sector, con algunas excepciones. Por ejemplo, las prendas de moda, porque es un sector muy cambiante.
¿Cuál sería el buen precio de compra y de venta? ¿Cómo intentan minimizar el riesgo? Carmen Pérez Baguena no se deja nada en el tintero a la hora de preguntar. Al finalizar su entrevista, comienza la ronda de preguntas de los asistentes y de los conectados vía streaming.
Libros recomendados:
Armas, Gérmenes Y Acero (ENSAYO-CIENCIA) (Jared Diamond)
What Intelligence Tests Miss: The Psychology of Rational Thought (Keith E. Stanovich)
La riqueza y la pobreza de las naciones (David Landed)
The monthly newsletter by seeman fiintouch LLP april 21 editionAshis Kumar Dey
READING THE MARKET PULSE DURING THIS COVID CRISIS
CASE STORY OF RAMESH, 37 YRS,WHO STARTED INVESTMENT HABIT AT THE AGE OF 27 ONLY
WHAT IS FUND OF FUND ( FOF) SCHEMES ? IS IT GOOD FOR ASSET ALLOCATION ?
This presentation tries to give a perspective on understanding cyclicals. Understanding of business and market cycles. With examples from Indian market. This was presented at CFA society, Delhi on Dec 14, 2019 and at FOF, PPFAS on Dec 20, 2019
OUR JUNE, 2021, NEWSLETTER FOR AVID INVESTORS IS ON THE STANDS FOR JULY,2021 (ISSUE JUNE,2021). WOMEN AS INVESTORS IN OUR DOMESTIC MARKET. APART FROM OUR DOMESTIC MARKET INDICATORS, WE ALSO DEALT ON US MARKET AND EXTREMELY GOOD PERFORMANCE IN THE MONTH OF JUNE,2021. WE ALSO COVERED ON WOMEN, AS INVESTORS, WHOSE PARTICIPATION LEVEL IS GROWING YEAR ON YEAR. HOST OF ISSUES, WHICH SHOULD BE OF INTEREST TO ALL AVID INVESTORS, DON'T NOT MISS READING THIS JUNE, 2021 NEWSLETTER !! HAPPY SURFING !
Why SIP is best investment option? How can SIP help in creating wealth? What are best SIP for my risk profile? SIP, Wealth Creation , Top SIP, Risk profile, Long term,Birla Sunlife MNC Fund,DSP blackrock Micro Cap fund,Reliance Dynamic bond fund,Sundaram SMILE fund, Kotak Mid cap fund,
1 Current Topics in Business – Wealth Management (MBA6290MargaritoWhitt221
1
Current Topics in Business – Wealth Management (MBA6290)
Financial Planning Project
The purpose of this project is to solidify your concepts on household financial analysis.
Specifically, it requires you to input household financial data in professional financial
planning software (MoneyGuidePro) and analyze strength, weaknesses and make
recommendations from wealth management perspective. The objective is to get hands-on
experience on financial planning process by working with professional wealth
management tools.
The project involves the following tasks:
(i) Data Collection. Survey a household and use the questionnaire worksheet to obtain the
financial data. You do not have to collect responses for each question but try to gather as
much information as possible before getting started with the software. You may want to
modify the survey responses and personal information for privacy purposes.
(ii) Software Registration. MoneyGuidePro is one of the leading financial planning
software and you have access to it for this semester. All data will be deleted after 6
months. Follow these instructions to set up your account:
1. Visit http://learn.moneyguidepro.com
2. Click the Register button
3. Agree to the license agreement
4. Create a User ID and Password
5. Use this Registration code: 14770 (same code for all students).
(iii) Data Entry. Once registered, follow the following steps:
1. Go to “Start Planning” and “Add New Client.” Input basic information.
2. Go to “Fina Metrica Risk Tolerance” and calculate the risk tolerance score.
3. Go to “Budget” to input income and expenses.
4. Go to “Financial Goal Plan” and from the drop-down menu choose “Retirement.”
This is the main section where you will enter most of the financial data.
5. Once all data is entered, create the financial goal plan.
6. Calculate important financial ratios
(iv) Analysis and Recommendations. Prepare a report in your own words on the financial
conditions of the household (2-3 pages). Specifically, highlight the main findings from
the financial goal plan generated by MoneyGuidPro and interpret relevant financial ratios
to strengthen your analysis and recommendations.
Project Submission and Presentation
http://learn.moneyguidepro.com/
2
Upload the following documents in the Blackboard:
1. Project Report (2-3 pages, font 12 double spaced)
2. MoneyGuidePro report (Financial Goal Plan and Risk Tolerance)
3. ZOOM Video Presentation (See tutorial on how to record and share
presentation https://uhdhml.uhd.edu/Play/409)
Zoom Videl Presentation: 8-10 minutes
1. Household description (age, employment, children, goals, etc.)
2. Risk tolerance and Budget
3. Main findings of the financial goal plan generated by MoneyGuidPro and
interpretation of financial ratios (maximize your time in this component)
4. Strengths, weaknesses and recommendations
Grading Rubric
Your grade w ...
LightCastle takes a look at the role of NGOs/NPOs in Impact Investment and how they can make a change in the journey of budding SMEs and small businesses.
Building wealth through Philippine Stock Market Investing
1. “The data, statistics and analysis contained in this presentation are solely for
informational purposes. It does not take into account the recipient’s particular
objectives, financial situation or needs. While care has been taken in the preparation
of the material, no warranty is given in respect of the information provided. It is the
responsibility of the client/participant to evaluate the accuracy, completeness and
usefulness of any opinion, advice, service, data or other information presented.
Accordingly, the information should not be used or treated as a substitute for specific
financial advice. It is not intended as a recommendation or endorsement of or offer or
solicitation for the purchase or sale of any security or investment product.
The speaker on all the seminars provided by COL Financial Group, Inc. (COL) is not
authorized to sell or promote products other than what COL officially endorses.
Hence, COL, its officers, employees and agents shall not be liable on any ground
whatsoever with respect to decisions or actions taken by any client/participant acting
upon such information.”
COL FINANCIAL GROUP INC
DISCLAIMER
www.colfinancial.com
11. 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
4.0
5.3
2.7 2.3
4.8
6.5
5.5
2.9
8.3
4.2 3.8
4.6
3.2 3.0
4.1
INFLATION decreases the value of money over time.
Source: World Bank
12. O YR 5 YR 10 YR 15 YR 30 YR 60 YR
SAVINGS INVESTMENTS
20,000
20,000
38,508
21,020
74,144
142,759
1,019,003
51,918,373
22,092
23,219
26,957
36,334
1% 14%
Your earning
generates its own
earning through
COMPOUNDING
WHY INVEST ?
13. “The biggest risk
is not taking any
risk.” - Mark Zuckerberg
Source: http://www.meritechcapital.com/system/uploads/hero_area/hero_image/1/Facebook.png
14. PSEI T-BILLS INFLATION
5 YEAR RETURN 10 YEAR RETURN
18.82%
14.77%
1.81% 3.48% 3.75%
4.62%
Effective Annual Yield %
(as of end 2014)
The PSE Index
is used to indicate the
overall performance
of the Philippine
Stock Market
WHY THE STOCK MARKET ?
15. WHY THE STOCK MARKET ?
ALI 26.4% BDO 26.97%
BPI 18.0% DMC 25.0%
JFC 33.10% EDC 17.0%
MWC 14.6% ICT 25.3%
SMPH 18.0% MBT 9.6%
TEL 10.3% MPI 4.3%
AC 23.6% SM 16.6%
AP 15.8% URC 58.8%
Annual Return(December 2014)
16. The STOCK MARKET is a place where one can
invest in stocks to benefit from a
company’s tremendous value over time.
WHAT IS STOCK MARKET ?
Source: http://www.villageofmanhattan.org/vertical/Sites/%7BC299AB89-4140-469A-B02A-149D683060CF%7D/uploads/Vintage_Market.jpg
CONGLOMERATESFINANCIALPROPERTIES
19. P R I C E
APPRECIATION
D I V I D E N D S
CASH/STOCK
the increase in the
value of the company
profits distributed by
the company to its
shareholders
P
HOW DO YOU EARN ?
20. ALI
Ayala Land Inc.
1,000 shares
Date Bought
02-Jan-14
Php 25.5 /
share
Date Sold
29-Dec-14
Php 33.7 /
share
GROSS
PROFIT
Php 8,200
04-Mar-14 Php 0.207/
share
08-Sep-14 Php 0.206 /
share
CASH
DIVIDEND
Php 414
HOW DO YOU EARN ?
22. CREATE AN Investment Plan
“Plan for what is
difficult while it
is easy, do what
is great while it
is small.” - Sun Tzu
Source: http://www.cysion.be/aocbox/images/suntzu_big.png
33. 3 easy steps to open a COL Financial Account
APPLY SUBMIT FUND1 2 3
Fill-out our
application
forms
Submit to
our accounts
officers
Fund your
COL account
OPEN A Brokerage Account
34. 34
Customer Account
Information form
(CAIF)
Online Securities
Trading Agreement
(OSTA)
Signature
Card(s)
STEP 1 : APPLY
Fill-out our application forms
Account has a single owner
INDIVIDUAL
JOINT OR
Account is owned by 2
individuals and all documents
and checks would reflect
both names
IN-TRUST-FOR (ITF)
A kiddie account in which a
parent opens for their child
35. STEP 2 : SUBMIT
Submit the following requirements
APPLICATION FORMS
GOVERNMENT ISSUED ID
PROOF OF BILLING
[CAIF, OSTA, Signature Cards]
[Passport, License, SSS, Voter’s ID, PRC ID,
Postal ID, UMID, Philhealth ID, TIN ID, etc.]
[Water Bill, Electric Bill, Phone Bill, etc.]
ITF Accounts
BIRTH CERTIFICATE
OF THE CHILD
36. STEP 3 : FUND
Fund your COL Account
Sample Payment Slips
FUNDING OPTIONS:
ONLINE BILLS PAYMENT
OVER-THE-COUNTER BILLS PAYMENT
37. 37
1. Download and fill-out the
WITHDRAWAL FORM
2. Special Instructions: Check for
pick-up or Deposit to your
REGISTERED BANK ACCOUNT
3. Send via e-mail or fax
withdrawals@colfinancial.com
634-6958
44. Look for GEMSS!
Guideline :
Buy Quality Stocks….
G
•Growth
Industry
E
•Earnings
Visibility
M
•Management
Credibility
S
•Superior
Products/
Services
S
•Strong
Balance
Sheet
45. Only TWO out of
ten Filipino house-
holds have a bank
deposit accounts
43.8%
51.5%
4.6%
Spent more
than their
Income
Spent as much
as their Income
Spent less than
their Income