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!
Sunday, January 23, 2011
Thursday, January 20, 2011
Earn by Money Cost Averaging....
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...
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...
Wednesday, January 19, 2011
Start Young..Start Easy...
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!
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!
Monday, January 17, 2011
Last 2 Years Mutual Fund Picks ...WInner! More than 100% Returns...
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 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!
Saturday, January 15, 2011
How To Make Money By Investing!
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!
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!
Wednesday, January 12, 2011
Investing in Different Levels of Risks and Rate of Returns..How?
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!
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!
Monday, January 10, 2011
What's the Fuzz Over Credit Rating?
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!
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!
Sunday, January 9, 2011
RSA Updates for 2011... Continue to Ride The Bull !!!
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
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...
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
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
Saturday, January 1, 2011
New Year's Resolutions in Investing! How do we Really Get it Done this time?
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!
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!
Subscribe to:
Posts (Atom)