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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
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Sunday, January 9, 2011
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!
Friday, December 17, 2010
Investing In Real Assets and On Paper Assets
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!
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!
Thursday, December 9, 2010
Spend Now or Later? Save Now or Later? Christmas Commercialized....
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!
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!
Friday, November 12, 2010
The Market is Down... Litmus Test for the "Right Way of Investing"
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!
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!
Sunday, November 7, 2010
Mutual Funds Return Zoom Past the 70%
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!
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!
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