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4 Strategies for Stock Market Investment

If you don't plan, you're planning to fail

-Benjamin Franklin

     To become successful investor, you need to lay out your plan. Im writing this blog to give an overview  on strategies a newbie can use for his investment.

      These are things you to consider first.

     1. You should assess yourself.

•  Knowledge in Investing.  The most important thing you should know before you invest. Why? Investing in the stock market is very risky . Either you'll win or lose your hard-earned. Invest in your knowledge. Understand how it works. What companies you are eyeing to. 

• Know your risk appetite.  Knowing who you are will help you define what plan you'll implement. 

    2. Identify yourself as an Investor.

• Conservative investor.
• Moderate Investor.
• Highly Aggressive Investor

          Pick Strategies you can use on your trading or investing plan.

1. Short Term Trading. A strategy for those using Technical Analysis. Its for People who can analyze stock market indicators. Someone who has high-risk appetite. More focus on short period capital profit taking.

 Disclaimer, Im not a day trader nor a professional  technical analyst. 

Im giving Nickel Asia as an example. Using Swing Trade (days-weeks trading).  Its price dropped from 20php/share down to 10.67php/share. On June 13, I took a chance buying it at 10.67/shares volume of 400 shares . After 2 days its price appreciates at 11.24php/share. Then, I bought another 1600 shares on July 15. So I got 2000 shares with an average of 11.15php. As of July 15 its price appreciates to 11.50php/share and had my gains amounting of  2000++php for just a short period of time (2days). I sold it and locked my profit.

 In this strategy, market timing, decent fund, volume of shares are factors to maximize your gains.

2. Long Term (PCA Peso-Cost Averaging)

     Photo credit courtesy of Mr.Fitz Villafuerte

       In this strategies, investors  allow their money  grow for a long period of time like 5-10 years. Using PCA strategy (Peso-Cost averaging, a discipline of buying consistently inspite of market fluctuations. 

       Referring from the the table above you'll see that each month he invested regularly. He accumulated certain volume of shares at different stock price. Looking from the gain/loss table as we evaluate, his portfolio still manage to gained at the end of the year.

       You can apply PCA using COL Technical and Fundamental guide they provided to their client. If you're newbie, SAM table of Truly Rich Club is very useful in this strategy. Just follow its stock recommendation and do it diligently.

3. Long Term ( Buy and Hold)

      Its a passive investment strategy in which an investor buys stock and hold for a long period of time, regardless of market volatility. An investor like Warren Buffet used this strategy, bought a blue chips company with a very good fundamentals and keep it. Example for this is Ayala Land(Ali), as of November 9, 2011 its stock price was at 15.90php/share. Today as of September 24, 2015 its price is at 34php/share. For 4 years it has 46.77% growth. Imagine if you will hold it for a longer years its price will reach it full potential growth.

4. Value Investing ( Seth Klarman Style)

   You'll buy stocks if the UPSIDE (difference of Current Price vs Fair Value) is atleast 15% but ideally 25% and above. And sell when you hits Fair Value (then buy the next discounted stocks). 

Apply best suits to you. 

Happy Investing!

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        Be guided on you Spiritual Growth. 

6 Pointers to Start Investing in the Stock Market

      The best thing to do before we start investing in different investment vehicle is to begin with  allocating our time to Learn. You should feed your mind with related information you needed to grow your Financial IQ . If you are venturing in the world of Stock Market,  read these 6  pointers before you start doing it.



1. Understand Stocks and Stock Market

       Stocks are shares of ownership in a corporation. The stock market is a place where stocks are bought and sold. The Philippine Stock Exchange (PSE) is the corporation that governs our local stock market. People buy or invest in stocks to benefit from a company's tremendous value potential over time. Once you buy or invest into a stock you now become part owner or a shareholder of that particular corporation.(1)

• 2. Why Invest in the Stock Market? 
•       History has proven that investing in quality stocks can provide greater returns than most investment instruments. This offers you the best chance in achieving your financial goals and gives you the ability to later enjoy the benefits of your money working for you. The track record of the stock market also shows that a good basket of stocks climb more often than decline - reducing risk over the long-term. Another reason why stocks can outperform other asset classes is because it can compound the value of your investment. Companies can reinvest the profits they make to generate even more profit. Moreover any dividends you receive can also be used to buy more shares and thereby enlarging your overall value as well.(1)
• 3. How to make money in stocks? 
•       Shareholder can participate in the company's growth and success through stock Price Appreciation and by earnings Dividends. 
• Capital or Price appreciation - is an increase in the market price of your stock over time brought about by an increase in its potential value and the demand to buy its shares. The faster a company can grow, the faster its price can appreciate. 
•  Dividends-  when the company gain profit, they issue in cash or in additional shares of stock as a means for shareholders to share in their distributed profits,
• 4. Choose your Online Broker 
•       A broker is one employed by a member firm of a stock exchange, who buys and sells stocks and other securities for customers. And instead of calling a stockbroker or visiting a bank branch, many routinely do trading and banking online. As technology innovates, the system in Stock Market investing also upgraded. We can now trade via online. Bo Sanchez, who's known and the most influential people nowadays in this field recommend COL Financial Group, Inc. to pick in opening your account in the Stock Market.
• 5. Study your Online Broker
•       If you'll choose COL Financial Group, Inc. (COL) read its profile here. You can read it as an example. Disclaimer, I don't have any connections to this group or paid to promote their company.  
• COL Financial Group, Inc. (COL) is the fastest growing online stockbroker in the country today with over 100,000 customers and Php 55 billion in customer assets established in 1999. COL being the #1 Online Stockbroker in the Philippines prides itself in making investing in the stock market for everyone by sharing its knowledge and market expertise through its user-friendly online trading platform. This offers access to expert opinion and comprehensive research to help the investor take advantage of stock market opportunities. In addition, continued education is developed through readily available seminars. Dedicated customer support is also provided to guide customers in their investment decisions. COL believes that Your success is Our success. (1)
• 6. Prepare to Open your Account.
•      If you decided and chose your Broker then go to their site and check their requirements. Download their forms and know their contact information. In my next article. I'll be discussing the steps in Opening Account in COL Financial Group, Inc. You'll now heading to the real world of Stock Market. Keep going!
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•  PS. Be a smart stock investor. Get Fundamental and Technical Analysis from PinoyInvestor!                       SIGN-UP for FREE. Click HERE   
•  PS1. Join Truly Rich Club of Bo Sanchez and receive His personal guidance in Investing as well as in your Spiritual Growth. To learn more about it, click here!
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• Reference:                                                                                                                                                                                                 
  1. www. colfinancial.com

6 ways to start Fattening your Purse

 As I began my march towards financial literacy, I read this very inspiring classic Financial Ebook "The Richest Man in Babylon" by George S. Clason. This book hitted my financial subconcious.
Its hard at first to accept the reality that I was living wrongly with my financial habits and beliefs. I struggled to change but then its no possible. Through this book I learned ways on how will I fatten my purse. 

Sharing you 6 ways to start fattening your purse.

       The Cure for a Lean Purse 

 1. Start thy Purse to Fattening 

  How you'll be able to fatten your purse? Arkad, the richest man in Babylon said that you should "Pay Yourself First". He stated that " A part of I earn is mine to keep".  We all know that to save is, after we get our salary what's left is our allocation for savings. That's the common practice nowadays. Every payday, you should take first 10 percent and set aside as your savings. You'll do this before you pay anyone, This is the right formula, INCOME - SAVINGS = EXPENSES. You have to practice it and make a habit, at the end of the day you'll be surprise that its doable. You'll be able to build an emergency funds out of your savings. Start it now. Its never too late. The percentage for allocating your budget may vary depending on your preference. Example are 10 percent for tithes,  20 percent for savings and 70 percent for your living. It's up to you!

2. Control Thy Expenditures

  Preparing your Budget is a must and you should always be mindful. How will you control your expenditure? Identify your needs over wants. You should list all your expenses even at the very small details to track your money. Some of us complains our income is not enough but the mere problem is our lack of discipline. You should learn the art of delayed gratification. If you can't afford your "luho", let go. Don't compromise to get into debt, plan instead. Save!

3. Make Thy Gold Multiply for a Profitable Investment

       It means growing your money. Saving is not enough because as inflation rises your purchasing power thus. What you need to do is invest. Allow your money to begets another money. We need to learn where to grow it. There are many investment vehicle to venture into. We can start a small business or learn a high-return investment like stocks, mutual funds and UITF. We cannot depend merely with our physical strength. Time will come we'll grow old and need to rest. So we must prepare and build a profitable investments to provide our expenses and sustain our lifestyle.

 4. Guard Thy Treasure from Loss

   Nowadays, scams are like mushrooms, popped-out everywhere! People are very attracted to lure into quick-rich scheme. Their false hope earning an instant bucks blinds them to assess the ligetimacy of their investment. There's no such thing as building wealth overnight. If you want to become wealthy you'll take the right pace of accumulating assets that gain profit in due time. To avoid scams armored yourself with Financial Education. If you have enough knowledge in handling your finances, you can never be fool by any scammer. Guard thy treasure!

5. Insure a Future Income

      In life, we can never tell the future. We don't know our safety everyday, even our job security. We must learn to plan ahead, specially if we are the bread-winner. We should insure ourselves, to save us from any uncertainties. Knowing that we're going to leave our love ones who are not ready to take care of their finances. There are different kinds of insurance according to your needs. Examples are insurance for  Disability,  when you're not able to get back to work, Critical Illness Insurance, that can help you in your hospital billings and  Life Insurance, since death is inevitable, this can provide and leave a huge amount to our family from our unexpected loss. We don't wish any misfortune but we should always anticipate emergencies.

6. Increase thy ability to Earn

      Learning is a never ending process. We should not be complacent to where we are now. If we are making less, we need to improve ourselves and learn a new ways of earnings. We should upgrade our skills to complement the new trend of making money. It's not about just working hard but it's working smart.  We have  many opportunities to earn, we just need to challenge ourselves to step-out from our comfort zone!

  " Go thou forth and practice these truths that thou mayest prosper and grow wealthy!" words of encouragement from Arkad.

PS.1 Be a smart stock investor. Get Fundamental and Technical Analysis from Pinoy Investor 
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How a Maid Learn to Invest in the Stock Market?

    Sounds ridiculous right? I want to share you this very inspiring e-book about how this maid learn and start investing in Philippines Stock Market.

The cover photo of the Book "My Maid invest in the Stock Market...and Why You Should Too" by Bo Sanchez

       I read this book several times and it gave a big impact to me. It's very informative. Its about how we should start not only in the stock market but at first in ourselves.

        As of December 2014, Gina, Bo Sanchez first maid, already have more than 700k in her stock market investment and her second maid, Weng, have already more than 500k. Note, that these people who started working as maids. were able to start and as a result, grow their money effortlessly because they are properly guided. 

    Now you see here the value of investing as early as you can. And you don't need to have big money to begin. One or two thousand monthly is already good to start! And they actually began with this small amount. It's very true when Bro. Bo said that his maids are richer than many managers. 

   You can download this e-book here for FREE and read the whole story.

   These people succeeded in growing their money because Bo himself served as their mentor in choosing and buying/selling stocks. You can get the same guidance through Bo's Truly Rich Club. Click here to learn more about it.

   May this story inspire you to do the same in your financial life.