Tag Archives: money matters

Can you recommend a stock investing book for beginners?

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Inquirer:
ano po magandang book for stock market for beginner…thanks

Guita of Colayco Foundation:
Try Building Wealth With Stocks by the Philippine Stock Exchange available for free download on http://www.pse.com.ph If you want something more comprehensive the Intelligent Investor by Benjamin Graham is a good book to start with. Just remember that the US Markets are different from the Philippine Market.

 

______________________________

Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
July 27 (Friday), 1-5pm            Pera Mo Palaguin Mo Workshop
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!

How to avail RTBs?

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Inquirer:
How does one avail RTBs?

Guita of Colayco Foundation:
You should get in touch with a government securities eligible dealer. A list can be found on http://www.treasury.gov.ph

Inquirer:
ngpunta na po kami sa BDO cebu sm branch.. mas priority dw nila BIG clients.. sa PNB fuente cebu nmn wala dw silang alam sa minimum na 5k dahil ang myron sila 250k lng. pano ba talaga mgavail.

Guita of Colayco Foundation:
For banks you need to speak directly with the Bank Branch Manager or their Trust officer – they do not encourage small investors because the paperwork they have to do is the same whether you are a small/big investor. You need to have a personal relationship with them. Insist that you know there is/was an RTB offering.
Try getting in touch with VicSal Investment, they cater to small investors or other non-bank GSEDs.
Take note however that if the sale period has passed, available government securities will be those that are already within term.

Inquirer:
hindi po ba unfair yan sir, akala pa nmn namin pwede sa mga ordinaryung tao ang mga inu offer nyu

Guita of Colayco Foundation:
RTBs are not a product of Colayco Foundation. We are merely sharing this information. Financial institutions have their own processes in servicing clients, that is unfortunately out of our control. Check the other GSEDs.

 

Is it for real?

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Inquirer:
magttanong tungkol dun sa online work sa internet ble illgay ko na rin po ang adress nila ok peak performance sa makati po ito american company based in century park LA califonia.nais ko rin po sana umatend seminar nyo ky ngtxt me pro nun tinanong ko kun magkano pg kayo ang nagseminar di na nya ko nirplyn sb mas mahal daw pg kayo eh ito naman po eh one time lang di ba di nmn po ito yun aatend ulit.kaya ok lang nais ko lang po kayo mkita personal.ok.tnx

Guita of Colayco Foundation:
Please direct your concerns to the SEC (www.sec.gov.ph) You may inquire about our public seminars via emailing renzie@colaycofoundation.com the schedules are also posted on http://www.colaycofoundation1.com/calendar

 

 

 

I’ve recently become more involved with Colayco Foundation for Education, the first, most experienced and most effective in teaching personal finance to Filipinos, and I’ve answered so many questions about investing, managing money, business, etc. Names have been redacted. Most of these are originally found on the Francisco Colayco Facebook Page, Colayco Foundation and Francisco Colayco Website

How do I invest in Mutual Fund while overseas?

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Inquirer:
paano ako pwede mag invest sa mutual fund since i presently living abroad.

Guita of Colayco Foundation:
We recommend you take advantage of our webinars, schedules will be posted in http://www.colaycofoundation1.com/calendar. As for the mutual fund, you need to be in the Philippines to open a mutual fund account. An alternative for OFWs like you is KsKCoop. http://www.kskcoop.com – for more info email joel@colaycofoundation.com

 

______________________________

Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!

What to do when you already have cash reserves?

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Inquirer:
if we already have a savings which is equivalent to the total expenses in 6 to 8 months, is it a good idea to buy shares of stocks like that of petron as well as invest to properties like condominium, land? goal in mind is to have own business and later on have our house. thank you very much.

Guita of Colayco Foundation:
The savings of 6-8 months’ worth of income is for cash reserves – it is a big emergency fund. This is best placed in either a time deposit or a mutual fund (when the market is good).
As for investing further, yes it is a good idea. Consider mutual funds first as stocks and land require more research, knowledge and skill to effectively earn from. Make a plan – with specific and realistic goals and timetable for achieving it. Our book the Pera Palaguin Workbook can help you in this.

Joining our upcoming workshop on Aug 4 would also be very beneficial.

______________________________

Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!

Can I really grow my money to Php9M?

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Inquirer:
possible po b tlga makuha ung 9M na net worth for my future retirement base doon s computation ku khapon gamit ung net worth planning computation s Pera Palaguin workbook ku po ?thanks and more power po !! :)

Guita of Colayco Foundation:
It is possible assuming you can save the amount indicated at the bottom of the Net Worth Planning sheet and can invest it at the average annual rate recommended.

Inquirer:
is it possible to reach the 9M if i will invest it sa time deposit s bank po?ksi way back 2009 po i invested my money s stock market s makati po kya lng po hndi ngwork out eh nalugi lng po ksi hndi ku kabisado eh at hndi mashadu npagaralan ung stock market eh. s palagay nyu sir mas mganda at mgwork out kung time deposit po aku mginvest ngaun?

Guita of Colayco Foundation:
Time deposit will not meet your target return rate. Instead of the stock market,  consider mutual funds. visit http://www.pifa.com.ph for more info

 

I’ve recently become more involved with Colayco Foundation for Education, the first, most experienced and most effective in teaching personal finance to Filipinos, and I’ve answered so many questions about investing, managing money, business, etc. Names have been redacted. Most of these are originally found on the Francisco Colayco Facebook Page, Colayco Foundation and Francisco Colayco Website

How do I invest while abroad?

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Inquirer:
gusto ko malaman on how can i invest my money while working abroad. Pwede ba mainquire kung meron kayong ma recommend, I am still here and will go abroad in two months or less. Thank you and more power.

Guita of Colayco Foundation:
You may want to consider KSK Coop – http://www.kskcoop.com or email joel@colaycofoundation.com.

 

______________________________

Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!

Do Banks Offer Mutual Funds and Stocks?

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Inquirer:
mer0n dn po b in0ofer ang mga banks n mutual funds and st0cks?tnx p0.

Guita of Colayco Foundation:
banks only offer deposit accounts with selected banks offering unit investment trust funds and government securities. For mutual funds a list of available funds can be found on http://www.pifa.com.ph while a list of available stock brokers can be found on http://www.pse.com.ph

Invest Higher Than Inflation

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Inquirer:
sir,saan po b mgandang mag invest n mas mataas ang % ng interest kaysa sa % ng inflati0n rate?tnx and m0re p0wer.

Guita of Colayco Foundation:
Maaring i-consider ang time accounts ng piling bangko, government securities, mutual funds at stocks.

______________________________

Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
July 27 (Friday), 1-5pm            Pera Mo Palaguin Mo Workshop
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!

What to do when a financial institution closes?

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Inquirer:
isa po ako sa mga kumuha ng pension plan sa pro zinergy bago ito nag close noong 2006, 4 years npo ako nakahulog at dahil andito ako sa saudi wala akong mgawang paraan para mkapag file at makapag follow up paano maibabalik ang naihulog ko. May pag-asa pa ba maibalik sa akin ito? Sana po matulungan ninyo ako, maraming salamat po

Guita of Colayco Foundation:
Kailangan malaman mo kung ano nangyari sa kumpanya – tumawag ka sa SEC. Kadalasan may ruling ang SEC o korte tungkol sa dapat matanggap ng mga planholders.

 

______________________________

Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
July 27 (Friday), 1-5pm            Pera Mo Palaguin Mo Workshop
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!