Saturday, October 12, 2013


The author tried to gather accurate information but there is no guarantee that the information here is free of typo errors or content errors. There is also no guarantee that the information here is updated.  

Also, please don't treat the stock or mutual fund, other posts as a sign to buy or sell specific investment. Please do your own research or seek professional advice from the experts. 

I suggest you use primary data resources, company disclosures, and visit PSE or PSE Edge website.

The author will take no legal responsibility/liability to any person or entity in relation to any loss or damage from direct or indirect use of the information and links contained in this website. 

I aim into teaching but I'm also in the process of continuous learning.
In most posts, this will be a learning blog  where I might encounter success and mistakes.

Sunday, October 6, 2013

List of Mutual Fund Companies in Philippines

Name of Fund                                                           Company Website

Stock Funds
ALFM Growth Fund, Inc                            
ATR KimEng AsiaPlus Recovery Fund, Inc. (USD$) No Website Specified
ATRKE Alpha Opportunity Fund, Inc.         
ATRKE Equity Opportunity Fund, Inc.        
First Metro Save and Learn Equity Fund,Inc. 
Philam Strategic Growth Fund, Inc.               
Philequity Fund, Inc.                                      
Philequity PSE Index Fund Inc.                       
Philippine Stock Index Fund Corp.               
Sun Life Prosperity Philippine Equity Fund, Inc.
United Fund, Inc.                                           

Balanced Funds
ATRKE Philippine Balanced Fund, Inc.*       
Bahay Pari Solidaritas Fund, Inc.*                         Not Applicable
Cocolife Dollar Fund Builder, Inc.* (USD$)                 No Website Specified
First Metro Save and Learn Balanced Fund Inc.*
NCM Mutual Fund of the Phils., Inc*               
Optima Balanced Fund, Inc.*
PAMI Asia Balanced Fund, Inc.* (USD$)        
PAMI Horizon Fund, Inc.****                        
Philam Fund, Inc.*                                        
Sun Life of Canada Prosperity Balanced Fund, Inc.*
Sun Life Prosperity Dollar Advantage Fund, Inc.  

Bond Funds
ALFM Dollar Bond Fund, Inc. * (USD$)       
ALFM Euro Bond Fund, Inc. *                       
ALFM Peso Bond Fund, Inc.*                       
ATR KimEng Total Return Bond Fund Inc.** (USD$) No Website Specified
Cocolife Fixed Income Fund, Inc.*               
Ekklesia Mutual Fund Inc.*                                      Not Applicable
First Metro Save and Learn Fixed Income Fund,Inc.
Grepalife Bond Fund Corporation                 
Grepalife Dollar Bond Fund Corp. (USD$)       
Grepalife Fixed Income Fund Corp.               
MAA Privilege Dollar Fixed Income Fund, Inc. (USD$)
MAA Privilege Euro Fixed Income Fund, Inc.
PAMI Global Bond Fund, Inc* (USD$)           
Philam Bond Fund, Inc.*                               
Philam Dollar Bond Fund, Inc.* (USD$)       
Philequity Dollar Income Fund Inc.* (USD$)       
Philequity Peso Bond Fund, Inc.*                       
Prudentialife Fixed Income Fund Inc.*               
Sun Life of Canada Prosperity Bond Fund, Inc.*
Sun Life Prosperity Dollar Abundance Fund, Inc.*
Sun Life Prosperity GS Fund, Inc.*               

Money Market Funds
ALFM Money Market Fund, Inc.*                 
First Metro Save and Learn Money Market Fund,Inc.
Philam Managed Income Fund, Inc.*                 
Sun Life Prosperity Money Market Fund, Inc.* 


Comparison of Mutual Fund Companies in the Philippines

Performances of Philippine Mutual Companies are viewable in

Free Stock Market Seminar in Philippines

PSE and various companies offer stock market seminar for beginners

1. At PSE academy, I found out that they are offering free stock market seminars every second and last Tuesday of the month from 10:00 am – 12:00 noon
You can check out the details in PSE Events at

2. COL Financial also offers free stock seminar
For the schedule, you can refer to the link below

Please share if you know more free stock market seminar

Finance blogs by Filipinos

Blogs about Finance and Investments

Things to check before you Invest in Stocks

1. Emergency Fund
Stocks value fluctuate on a daily basis (even every minute).  If stock prices drop too much, you may lose some of your initial investment and consequently if you don't want to incur loses you need to wait for the company and stock price to recover.  You can still withdraw anytime you want but you may fail to achieve your target gains.
It is best to have a separate fund for emergency purposes.

2. Your Goals and Plans
Investing is like a business. You need to have a plan. When will you stop buying? When will you reap your profits? When will you cut your losses?

3. Your knowledge
Are you sure you know what to do? and not what to do? At the vey least, do you know who to contact if you have questions?

4. Your Emotions
Are you emotionally prepared? Are you prepared to be a millionaire? Are you prepared to lose?
Most buying and selling are fueled by emotions, by fear of being left behind, fear of losing or greed for more gains.

Prepare yourself for the stock market cycle and know how to react. Don't be carried away just by your emotions.

Why Filipinos should invest in stock Market?

Why Filipinos should invest in stock market?

To have a higher interest rate that beats inflation
For investment diversification and asset allocation
To help fuel Philippine economy and Philippine companies
To be more aware of the state of the economy and Philippine economies

How to build a Passive Income?

Have a property for rent

Why Filipinos do not Invest on Stock Market?

I talked to a lot of people regarding investing stock market. I had  short conversation with my family, workmates, friends,  past classmates and teachers and here are some of the reasons that they cited

Saturday, October 5, 2013

PSE Stocks Review Sep 30 - Oct 06

Why is the PSE moving up, sideways or moving down?
What is happening to PSE

News regarding US shutdown and US default
Moody's investment upgrade
Million People March

PSE Stocks Review Sep 23 - Sep 29

What happened this week?
What moved the market this week?
Why is PSE up this week?
Why is PSE down this week?

Harbor Star sets IPO price

Thursday, October 3, 2013

Know the Rule of 72

What is the rule of 72?
Method of estimating investmemt's doubling time

In other words, it will help answer how much time  it will take to double your money.

I want to know how. How?

Just divide 72 by the annual interest rate.

That's it?

Yes its simple. But dont forget that rule of 72 is just an approximation

Wednesday, October 2, 2013

How to pick Stocks?

Guide to Stock Picking

PSE Knock Knock Jokes Part 3

Knock Knock

Who's there?


CLOUD who?

Let's get CLOUD, Let's get CLOUUD !
Turn the music up to hear that sound


Knock Knock

Who's there?


EEI who?

PSE Knock Knock Jokes Part 2

Knock Knock

Who's there?


GLO who?

We'll love forever, knowin together
That we did it all for the GLO ry of love


Knock Knock

Who's there?


GLO who?

I will search the world, I will  face it's harms
I dont care how far, I can GLO the distance


Knock Knock

Who's there?


MARC who?

PSE Knock Knock Jokes Part 1

Knock Knock

Who's there?


SMC who?

SMC I love you
Please dont break my heart in two
That's not hard to do
'cause I dont have a wooden heart

Knock Knock

Who's there?


SUN who?

SUN ka man 
Narooon Sinta..


Knock Knock

Who's there?


WEB who?

Funny Quotes and Play of words involving Philippine Stocks Ticker

  1. Sisikat na ang $SUN
  2. $COL ang na ang pambili ko
  3. $COL ka lang
  4. $WIN sa $LOTO
  5. $MARC this day
  6. $MA right %ORE $MA wrong?

Insightful Quotes and Funny Quotes about Money

No Pain, No Pay  -by Me
Follow your passion and the money will follow (Common quote but I dont know the author)

How to cut electricity costs?

Unplug appliance when not in used!

How to earn money online in the Philippines?

  • Use Google Adwords
  • Use Infolinks
  • Use Nuffnang
  • Use Squidoo

How to claim insurance from PDIC?

How to claim money  from PDIC?

I experienced claiming insurance from PDIC after a bank where I deposited money closed down,
You must keep constant communication with your bank and PDIC.

PDIC will announce the date and venue for filing your claim.  The venue for filing and claiming is usually the bank where you deposited your money.
Be sure to follow the schedule and prepare all the proof of your bank deposits such as certificate of deposit and passbook or even deposit slips.  Prepare a picture and photocopy of valid IDs also.

Do note that PDIC covers a maximum of 500,000 pesos only. You can't claim anything more than 500,00 from PDIC.

How to start investing in Philippine Stocks?

How to start investing in Stocks?

1.Learn in PSE academy website
2.Attend free basic stock seminars offered by PSE and other brokers
3.Read online
4.Read Newspaper and Books

The best way to prepare is to read introduction from PSE and other websites
The best way to boost confidence in starting investing is to attend seminars
The best way to continue learning is to read more and watch more news related to stock market and ask the experts

Did I make investing in stocks sounds easy?
Let's go into details.

PSE or Philippine Stock Exchange main website is and they have a partner website which is PSE academy was created in partnership with PSE Foundation. You can beginning your elearning here.

PSE offers free stock market seminars as well as some stock brokers.
COL Financial offers free seminar for beginners.  FAMI also offers free stock market and I'm sure may stock brokers are also conducting seminars and training to help you out. Take the oppurtunity to ask and ask questions with the experienced and expert traders and investors. Listen also to other's questions. Don't be shy to ask or to comment on the training topic. The goal of every training is for you to learn.

Anyway, since you are a beginner you may not know what questions to ask so I'll be giving some frequently ask questions about stocks.

There are two sets of questions regarding stock investing.  The first is related to general topic about stock and the second set is related to the broker.  Here are some  examples of questions regarding stocks.

Geneal Stock Market Questions (FAQ):
What is stocks?
How much can I earn on Stocks investing?
What are the risks involve on investing in Philippine stock market?
How much can I lose on buying and selling stocks?
How will I earn profit from trading stocks?
How do I buy and sell stocks investing?
Can I withdraw my money right away or there is a lock-in period?
What are the best companies in the Philippines to invest?
What are the factor of changing stock prices?
How do I start investing?
What is a dividend?
When do I sell my stock?
What is the best time to buy stock of Philippine companies?
What is fundamental analysis?
What is technical analysis?
Do I need to monitor my stocks daily?
How to read the stocks section on the newspaper?
How to read the stock ticker?

Broker Related:
How to open a Stock trading account?
What is the minimum investment ?
How do I make addditional deposit?
How do I withdraw my money?

The list is not complete and I'm not expecting you to learn all of it in just one day.
I suggest for you to start with the items that involve risks or focus first on protecting your initial investment.

Anyway, the basic rules and terms in the Philippines is generally the same with other stock markets of the world. This means that you can also used stock websites and information from other international website. My favorite is  Other great sources of infomation from web is FinanceManila and PinoyMoneyTalk.

Learning to read the ticker and the stock section on the newspaper will be one of your biggest foundation.  You don't need to buy newspaper to read this. If you want newspaper headlines and info, you can visit them online and read for free.  I usually read on business mirror and business world Philipppines. I also read on Manila Bulletin and Inquirer online sometime.

There are so many books about stock market. But you won't get rich just by reading them.
One of my mistakes in the past is I tried to read, read, read, read a lot.  I didn't notice that while I'm reading I'm also missing time and opportunity to earn.  I suggest not to chew everything from one bite.
You'll learn along the way. BUT, please try to minimize your risk. Start small and have a plan for risk mitigation.  Please don't invest anything that you'll be using for basic needs and cannot afford to lose.
Why? Because stock prices may have great fluctuations. Sometimes it will go down and it will take time for it to recover.

If you still don't have minimum money to invest, I suggest you begin practicing using a simulator of stock exchange. Just like in the real stock market, you will buy and sell stock of companies but in simulation games there will be no real money involve.

Note: This is just my opinion from my experience. I might miss or fail to update something so please do your own research.  I'm not forcing anyone to invest on any broker or buy and sell any company stock.  Please be responsible with your investment decision. Cheers and Goodluck!

What is SDA?

What is SDA?

SDA is special Deposit Account

What makes SDA special?
It is a short term liability product of Bangko Sentral ng Pilipinas.
You can consider it as almost risk free investment.  SDA giver higher interest compared to cash deposits

Where to see SDA rate? Where to check SDA rate?
The current SDA rate is viewable on BSP website

I want to learn more..

You can read on the following posts

SDA receives rate cut and the interest rate was greatly reduced.

Monday, September 30, 2013

Pinoy Money Tips: Keep Cash in your wallet and coins in your pocket

At first, I added the keep cash on your wallet just to complete the rhyme. But there is a deeper meaning behind that money quote.  What I wanted to point out on this money tip is the importance of putting coins in your pockets.  Why?
The reason is...

Money Tips: Know your investment Options

Every option below has its own advantage and disadvantage associated to risk, time horizon, liquidity and others

Bank Deposits -  very low risk but very low return
Time Deposit - low risk but low return
SDA  - low risk but low return
Bonds - less risk but low return compared to stocks
Stocks - high risk but very  liquid
Real Estate - illiquid

Money Tip: Know your risk profile or risk appetite before investing

There are associated risk in every investment.  People have different status, needs, stress tolerance, and risk appetite.

Are you prepared to lose half or your investment?
Do you need to withdraw your money in the next month? six months? 1 year? 5 years?

Personally, I would rather NOT invest my money in certain investment instrument if I can't get sleep at night.

Money Tip: Know how to Open Mutual Fund Account

In the Phillipines, the common mutual funds are offered by Financial institutions like FAMI and SUNLIFE.

You can vist their website to know the details of getting account.

Money Tip: Know how to Open Stock Accounts

Pinoy Money Tips: Learn to Avoid Scam

Almost every year there are scams in the Philippines that is being revealed to the public.Due Diligence is the key to avoid scam. Scammers have so many things to offer so that they can entice you to give or lend your money with them. Most scam offers involve a quick way of getting money, very high interest rates, a promise of cars, house and lot, and other high profile gadgets

Do your company research. 
  • How long is the company operating?
  • How do they earn profits?
  • Do they have products? 
  • Do they promise quick return?
  • Are they putting you in lots of pressure?
  • Are they registered in SEC?
  • Do they operate via pyramiding? (some pyramid sheme are scams)
The number one thing that you should always remember is that ..
If it sounds too good to be true, It probably is.  There is no quick way of getting money ( I am not aware of any).  Besides,  there is a very big risk involves on this scheme. 

Best Videos on how to save money

Top Videos on how to save money 

Pinoy Money Tips: Guard your Health

Health is Wealth, remember? Good health will allow you in earning more while bad health will drain your finances.

Pinoy Money Tip: Earn Money Online

20 years ago earning online means nothing.  Now, it seems that earning money online is a lucrative business for some bloggers and publishers.

How to start earning money online?
First, You need to learn how to write.
You need to learn how to promote products

You need to have a blog platform to write and endorse products

  1.  Put Google Adsense on your websites
  2.  Put Infolinks
  3.  Put Chitika
  4.  You can also register with Squidoo, Hub Pages, Zujava 

If you are not into feature writing and product promotions then you can search for online jobs in Odesk

Pinoy Money Tips: Invest Early

Remember your lessons about compound interest?

Pinoy Money Tips: Have Multiple Source of Income

You enjoyed your routine sports exercise. You are so thirsty. so thirsty... so thirsty.  But there are no more running water from your faucet. The water supply was cut due to a scheduled maintenance. What will you do ?

Pinoy Money Tips: Know Some Acronyms

Do you know the meaning of PSE? PHP? ROI? GDP? ROE? YTD?NAV?
Don't Know?

Pinoy Money Tips: Know the power of compound Interest

Pinoy Money Tips: Attend free Money Seminars

Is there such thing as free?

Pinoy Money Tips: Recycle, Recycle, Recycle

It is one of the oldest lesson that you've heard. But don't underestimate the power of this elementary lesson, Recycling.

Some grocery stores are now charging for extra plastic or paper bags that they lend to the customers.
If a bag cost 2 pesos each but you shop twice a week then

Sunday, September 29, 2013

Pinoy Money Tips: Watch ANC

Huh? What's ANC? Wait a Minute! Didn't you say stop watching TV?

Pinoy Money Tip: Use your Gold .. I mean Time.. Wisely

Time is Gold is a cliche quote but often not taken seriously.

If time is gold then like money it needs to be protected, save or invested.
How do you  protect your time? How do you save your time? How do you invest your time?

If you answered the questions above smoothly, I salute you.
For those who are still wandering for answers, here are my suggestions:

Pinoy Money Tip: Share a room

Sharing a room or  a house is a common practice in the Philippines for saving money.

Inform your friends, cousins, old classmates and acquaintances. They might not need the room now but we don't know their needs in the future.

Additionally, they might know someone else who badly needs a new home location.
It will be a win-win situation for both of you!

Pinoy Money Tip: Forget the taxi, Ride the jeepney

I won't stop you if wan't to ride a taxi.  Who doesn't want the comfort and ease being offered by the taxi?

I just want to remind you that ...

Saturday, September 28, 2013

Pinoy Money Tip #3: Track your expenses

You opened your wallet but there's no more money.  You put your hands on your side pockets but there are no coins.  You just received your salary and the next payout is another 2 weeks of sweat and effort.

Your mind is filled with one lingering question

Pinoy Money Tip #2 Ensure that your deposits are covered by insurance (eg PDIC).

Saving is a good thing. But unprotected saving may reduced to nothing.

Pinoy Money Tip #1 Use Applications for Money Management


Should I invest in Rural Banks?

What is your purpose?
Savings, Investment, High Interest?

Are there any alternative?

What is the benefit of investing in Rural Bank?

What are the risk of investing in Rural Banks?

Are you willing to take these risks?