investing in the philippines for beginners pdf995
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Investing in the philippines for beginners pdf995 calculate forex losses

Investing in the philippines for beginners pdf995

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When you choose a stockbroker, you need to consider the type of service you will require and who will best suit your needs. You should remember that your stockbroker is your financial agent that will help you make your invested money grow. Online Brokers The online brokers compete with the traditional brokers. The online brokers offer lower costs, increased speed and a better guarantee of transparency and anonymity. The only real advantage of traditional brokers is the gathering of information.

In online brokers, the time needed for traders to react to new information is reduced. Traditional brokers are those who assign a licensed salesman to handle your account and take your orders via written instruction or through a phone call. Online brokers, on the other hand, are those whose main interface with their customer is through the Internet.

Figure 2 shows an online poll, conducted and closed on February 06, at exactly am, which aims to know and identify which between traditional broker and online broker is at of the preference of the investors. Figure 2. Online Poll — Traditional broker vs. Online broker The figure shows the preferences of the investors of whom between the two types of brokers traditional vs online is more convenient to use and is more helpful.

Buying Stocks Using Licensed Brokerage Firm Individuals typically buy and sell shares through a licensed brokerage firm or broker who makes the actual trade. Historically, stockbrokers were hired only by wealthy individuals and families, but today a wide range of brokerages exist for all price ranges. However, there are clients who look for a brokerage firm that would give them some services with respect to their budgets.

In line with this, there are some brokerages that offer and asking as low as Php5, Reliable data on leading companies can significantly streamline your stock-buying homework, and many top brokers offer it. The best brokers offer real-time assistance through multiple channels, including by phone, email or chat. Broker-produced guides and tutorials can help beginners get up to speed on the stock-buying process much more quickly. Abacus Securities www. COL Financial www. DA Market itrade. Yap Securities, www.

First Metro Securities Brokerage www. Philstocks Financial, Inc. Unicapital Securities, www. Wealth Securities, www. Table 1. List of Some of the Brokers in the Philippines The table shows the list of some of the brokers in the Philippines which are accredited online brokers in the Philippines and the amount they require.

AB Capital Securities, Inc. Abacus Securities Corporation Ranked among the top ten stockbrokerage houses in the country. The Company is renowned for four things, namely: stability, expertise, professionalism and customer care. Abacus aims to become one of the leading and the choice brokerage company in the Philippines, as it is committed to provide impeccable service and value to its clients.

AP Securities Inc. The company is one of the leading stock brokerages in the country as it has consistently ranked among the top brokers in terms of turnover since its inception. Guided by its mission to increase the number of Filipinos investing in the Philippine stock market, APS offered online brokerage services to widen its reach and increase the accessibility of its services to Filipinos around the world.

The business also aims to provide stock brokerage services to institutional clients overseas and to eventually provide a platform to connect Filipino investors to the international stock markets. Coherco Securities, Inc. It is backed with the full strength and resources of a family-owned business conglomerate with interests in manufacturing, distribution, retail, real estate, and financial services.

Throughout the past 14 years Coherco has quietly established itself as a competent and reliable broker-dealer with an outstanding regulatory record. COL is the fastest growing online stockbroker in the country today with over , customers and Php55 billion in customer assets established in DA Market Securities, Inc. A top equities brokerage with an affiliate in banking and financing in operation mostly in Central Luzon.

We continue to service clients and corporations through the bulls and bears of the Philippine capital market. Yap Securities, Inc. Yapster e-Trade, Inc. We were granted pioneer status by the Board of Investments on February as the first in the Philippines to provide a complete solution that integrates trading, financial planning and portfolio management capabilities online.

By offering exceptional execution capabilities and providing excellent research with timely calls and recommendations to clients, Maybank ATR Kim Eng Securities, Inc. It has kept its list of long-term clients through achieving a balance between financial know-how and commitment to quality. Unicapital Securities, Inc. Since its inception in , USI has successfully established itself as an active player in the trading of equity securities.

Wealth Securities, Inc. Ranked among the top 20 brokerages in the Philippines since its incorporation in November Wealth caters to both retail and institutional clients in the Philippines and overseas. With over 25 years of experience in equity securities, its research team is often quoted in local newspapers and journals for their stock picks and coverage of mid-to-large cap stocks. Activate and fund your brokerage account. Buy and sell stocks using your brokerage account.

Regardless of the type of brokerage used, the mechanics of buying or selling shares is fairly uniform. First, a stock quote is obtained. In the early days of stock exchanges, price information was transmitted via tickertape — a long ribbon of paper that printed basic data via telegraph wire. That is why today we still refer to stock quotes as the ticker. A stock quote carries a lot of information including the current bid and offer prices as well as the last price that traded.

The bid is the highest price that somebody in the market is willing to pay at a given time, while the offer is the lowest price that somebody is willing to sell. If you are interested in buying shares, you will make a bid, and if you want to sell an offer. When the price of a bid and offer coincide, a trade is affected.

Stock quotes obtained online are often real-time quotes that confer second- by-second details, and online quotes also often include charts and interactive tools. With this regard, the investors must be knowledgeable in interpreting the stock movements of a company that they acquired in order to manage the investments and to properly handle their investments with their own capacity, ability and comprehension. This typically does not include the previous day's trading. If there are no special symbols or letters following the name, it is common stock.

Different symbols imply different classes of shares. For example, "pf" means the shares are preferred stock. Column 4: Ticker Symbol - This is the unique alphabetic name which identifies the stock. If you watch financial TV, you have seen the ticker tape move across the screen, quoting the latest prices alongside this symbol.

If you are looking for stock quotes online, you always search for a company by the ticker symbol. Column 5: Dividend Per Share - This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends. Column 6: Dividend Yield - The percentage return on the dividend.

Calculated as annual dividends per share divided by price per share. Column 8: Trading Volume - This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add "00" to the end of the number listed.

In other words, these are the maximum and the minimum prices that people have paid for the stock. Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing even after the exchange is closed for the day. The close is merely an indicator of past performance and except in extreme circumstances serves as a ballpark of what you should expect to pay. Column Net Change - This is the dollar value change in the stock price from the previous day's closing price.

When you hear about a stock being "up for the day," it means the net change was positive. For example, if ABC Corporation is valued at P1,, and it has , shares outstanding, the price of each share is P A company has stuff and sells stuff. The stuff it has are buildings, machineries, patents, money in the bank, etc. One of the primary benefits of investing in the stock market is the chance to grow your money.

Over time, the stock market tends to rise in value, though the prices of individual stocks rise in value, though the prices of individual stocks rise and fall daily. Investments in stable companies that are able grow tend to make profits for investors. Stock ownership takes advantage of a growing economy.

As the economy grows, so do corporate earnings. That's because economic growth creates income. The fatter paycheck boosts consumer demand, which drives more revenues into companies' cash registers. It helps if you understand the phases of the business cycle. Historically, stocks have averaged an annual return of 10 percent. That's better than the average annual inflation rate of 3.

It does mean you must have a longer time horizon. That way, you can buy and hold even if the value temporarily drops. Compare stocks, inflation, and gold prices in Gold Price History. Easy to buy. The stock market makes it easy to buy shares of companies. You can purchase them through a broker, a financial planner, or online.

Once you've set up an account, you can buy stocks in minutes. For more, see How to Invest in Stocks. You make money in two ways. Most investors intend to buy low and then sell high. They invest in fast-growing companies that appreciate in value.

That's attractive to both day traders and buy-and-hold investors. The first group hope to take advantage of short-term trends, while the latter expect to see the company's earnings and stock price grow over time. They both believe their stock-picking skills allow them to outperform the market. Other investors prefer a regular stream of cash. They purchase stocks of companies that pay dividends.

Those companies grow at a moderate rate. They are easy to sell. The stock market allows you to sell your stock at any time. That's important if you suddenly need your cash in a hurry. Since prices are volatile, you run the risk of being forced to take a loss. If a company does poorly, investors will sell, sending the stock price plummeting. When you sell, you will lose your initial investment. If you can't afford to lose your initial investment, then you should buy bonds.

You get an income tax break if you lose money on your stock loss. Unfortunately, you also have to pay taxes if you make money. See Capital Gains Tax. Preferred stockholders and bondholders get paid first. It requires a lot of time. You've got to research each and every company to determine how profitable you think it will be before you buy stock. You've got to learn how to read financial statements and annual reports, and follow your company's developments in the news.

You've also got to monitor the stock market itself, as even the best company's price will fall in a market correction, a market crash or bear market. It can be an emotional rollercoaster. Stock prices rise and fall every second. Individuals have the tendency to buy high, out of greed, and sell low, out of fear. You compete against professionals.

Institutional investors and traders have more time and knowledge to invest. Find out how to gain an advantage as an individual investor. Thus, it is difficult to purchase stocks in the market without the help of any broker. As what have been discussed in this document, there are several steps and requirements in applying for a broker.

In this document, we applied in Col Financial Group, Inc. Also, it was suggested in an article online that the said broker is advisable for people who have small amount of funds, like the minimum requirement of Php 5, Looking back to the steps we had in applying to Col Financial, we had summarized it as follows: 1.

Prepare the necessary requirements, such as the following: a. A savings bank account, which accepts check deposits as required by Col Financial in our case, we opened a savings bank account in Banco De Oro BDO — Tagaytay Rotonda Branch and the steps are as follows: i. Regarding what bank to open with, Col Financial said that as long as it accepts check deposits will do. Passport b. Philippine Postal ID d.

Senior Citizen ID Card i. Barangay ID t. Particularly for Tagaytay- Rotonda Branch, we paid Php 2, Finally, you just have to wait for some working days until you get your ATM card may be delivered directly to your address or may be obtained through going to the bank. Now, you already have your savings bank account and the account number will be used in filling-up the forms required by Col Financial Group, Inc.

Next, fill-up the forms. Attached with the forms are your valid IDs for presentment and verification of your identity. You may send it directly to Col Financial Group, Inc. If you will do the same, they will give you the receptacle sticker with from and to sections. The date you will set should be counting days after your date of settlement for example, you are about to reply to their email on September 30, , you must have to put the date of interview as October 3 onwards.

Next, after the online interview, a message will be sent to your e-mail which gives you your account number for final processing. Finally, you may proceed with funding of your account which may be through online banking, over-the-counter and so on. After working days, they will send another message which tells you your log-in information so you can now access your COL account anytime and purchase or sell stocks without any costs aside from the fees to be discussed in this document.

We were tasked to experience investing in stocks, as well as sharing those experiences and the knowledge we have earned through a seminar. We started with planning and setting goals. We had countless meetings, we had assigned different committees. One for food, logistics, research, registration and the like.

Because of these, everyone got to experience investing and had their own insights. No one knew among us that we can actually produce quite a money if we became tactful in investing, until we did the activity. We never knew until then that, stock prices drops because of many reasons, such as company scandals and issues, interest rates fluctuating and the like. We absorbed so much about investing that all of us has considered doing it in the future — and we hope through the seminar we had done, the audience might feel the same.

Investing in stocks is one of the few things people can do to multiply their money while still learning. It is one of the best ways to prepare for the future. Investing in stocks is a hopeful way to face the present to prepare the future. In line with this, the section planned to have groups in charge with monitoring the stock performance within six weeks, until September 22, This stock report gives relevant information regarding the important matters that affect the stock investment per week.

Thus, this report, in particular, is for the First week of Monitoring — August 14, to August 18, Tuesday-Friday. Everyone has different insights and opinions about their own preferred stock investment. Therefore, it was hard for the class to come up with one or at least two companies where the money will be put at. Having such confusion about which company to choose, the class came up with a solution of having a voting on the preferred stock investment. Researchers have chosen Filinvest Land Inc.

The potential investors have three options. The first one will be Double Dragon alone. The second will be the combination of Jollibee Food Corp. Also, as of that day, the price of the stock of JFC has increased, therefore the investors loses its opportunity to invest in this stock. As a result, only one investment was granted, which is with the FLI. In this report, the stock performance of FLI for the first week starting from August 14, to August 18, will be presented together with the stock table and graph showing the changes that took place for the entire week.

Likewise, it will include the conclusion and interpretation regarding the stock performance. And, its price earnings ratio was 8. Stock Performance — First Week of Monitoring As it was shown on the figure 4, starting August 14, , the price of the stock is increasing.

However, there was a sudden decrease on its price on August 18, Although there were days wherein the price of the stock goes down especially on August 15 and 18, but still, the entire stock investment on the first week was favorable given that it does not incur any loss on the account equity value of the investors.

With a minimal fluctuation on the price of the stock along with such increase on the equity value of the investors, a decision of retaining the stocks was made by the group and the class as a whole. Furthermore, stock prices fluctuation would still be diverse but fluctuations would only be minimal. Olaes, Ericson O.

Reyes, EJ Angella M. Tanlangit, Leizelle Joy G. In this report, the updates for the second week of stock performance monitoring will be presented wherein the stock table, the graph illustrating the changes in the trading price, and the interpretations and conclusions regarding the stock performance are included. Figure 5. However, it shows that the stock price gradually increased on the second week which is from August 21 until August The total account equity value did not incur a loss since the account balance is still higher than its original value.

However, the group did not opt to sell the stock of FLI because the stock price of other companies that the class would like to invest in is still high compared to the minimum price it can be paid for. The group has decided to retain the stock investment in FLI, considering the possible change in the equity value if the stock would be sold to purchase shares of stock from another company.

Members: Aventurado, Lei Ann U. Bornalo, April Jane A. Sangria, Jasmin M. Sumagui, Czerina Kathleen P. Tibayan, Ma. Cristina I. As compared to our initial total account equity value of P4, The first week became exciting, enjoyable and fun. Since it was our first experience in handling stocks by ourselves only, or rather without any help of traditional or live brokers, we had fun and gained memorable experiences. In the first week of stock performance monitoring, the stock reached 1.

Thus, the total account equity value risen up to P4, The second week became more exciting, enjoyable and fun. The stock market value consistently risen up. As compared to the first week, it has a. The stock performance during the second week of the monitoring activity can be described as constantly improving.

Our total account equity value climbed up to P5, As of this week, the third week of stock performance monitoring activity, we already experienced the buy-and-sell transaction. We sold our stock with FilInvest Land Inc. The discussion of the third week stock performance monitoring activity will be imparted through the remainder of this paper. Since the start, the section really want to purchase Double Dragon stock because of the suggestions of other people, may it be in the internet or websites or through the word-of-mouth.

Also, the section decided to purchase Double Dragon stock when its amount reaches the lowest value as of the month. Based on our observation in our FLI stock, when the price of the stock turns high, the value of our investment also turns high. However, due to its small fluctuation rate, it increases minimal amount. This is the reason why we are pursuing Double Dragon up until now. We want some change. We want our stock investment to become higher so we decided to invest in a risky type of stock investment.

Since, the stock investment in FilInvest Land, Inc. As of the week, FLI stock reached 1. Since Double Dragon, as compared to its previous prices, it became Figure 6. We have been notified that it has already been sold and the amount was transferred already to our COL Financial account, resulting to Php 5, Then, we immediately purchased Double Dragon DD stock. Our order was sent for execution. Immediately, our order was granted and we finally had the Double Dragon stock. Our actual balance and buying power had decreased to Php The change in the stock price was 2.

The change in the stock price was The change in the stock price was 0. The change in the stock price became Also, it was revealed that the price of the stock declined during the last day of monitoring. It is important to evaluate and assess the price-to-earnings ratio because it may lead to more investors. If it is high, investors will expect higher earnings in the future and growth prospects are good. Therefore, they will tend to invest. On the other hand, when it is low, investors will think that the company will not able to provide good earnings.

Also, there had been minimal fluctuations in the stock prices and it is favorable on our part as investors. Stock prices change every day as a result of market forces. One of the reasons is because of supply and demand. If more people want to buy a stock demand than sell it supply , then the price moves up.

The price of a stock doesn't only reflect a company's current value, it also reflects the growth that investors expect in the future. The group has decided to retain the stock investment in Double Dragon because the performance of DD was moderate. Although we incurred a loss, we are expecting that the stock price of DD will to increase on following week.

So, if you want to be a part-owner of SMC, you need to pay P for every share you buy. But wait. The stock market has rules. Supposing that you need to buy 10 shares of SMC before you can be a part-owner. This means you need to spend P2, before you become a part-owner. If you think buying individual stocks in the stock market is too risky, Index Funds is your lifesaver. In a nutshell, Index funds are a diversified, hassle-free, no-fuss and a low-cost means of investing in the Stock market.

The minimum investment is P per month. There is also no maximum amount. You can invest in MP2 as much as you want. You may skip the next contribution. Supposing you consistently contributed P1, per month from January to July, but in August you went a little tight on your budget. You can forego your contribution for August and resume on another month.

This makes MP2 suitable for a conservative investor because of its low risk meaning the chances of you losing your money are very slim to none. Probably the worst-case scenario is that you would get back what you only have invested which is very unlikely. The dividends that you earn are exempt from tax. As mentioned above, MP2 rates have significantly higher rates than savings accounts and time deposits which makes it a better option if you are looking for an investment vehicle with higher returns and minimum capital loss.

This are the reasons why this is one of the best investments for beginners! A Personal Equity and Retirement Account PERA , is a long-term voluntary retirement account that encourages individuals to save and plan for their retirement while enjoying the tax incentives both from:. What got me excited with PERA is that it has tax incentives because come on! There are not a lot of investment and retirement options out there that offer tax incentives the way PERA does.

But these tax benefits are just the icing on the cake! PERA has a lot more benefits that make it stand out. So, what are the advantages of PERA account that makes it stand out from the other retirement plans?

FarmOn, as a crowdfunding platform, opens a new cycle once there are new farms available for funding. This is one of the best investments for beginners because your investment will be pooled together with the others. You fund farmers on their financial needs and at the same time reap rewards for your contributions.

The best investment you can ever make is in yourself. Investing in yourself is the best investment you can ever make, BUT investing in yourself is one of the major things in life that gets neglected the most. Sometimes, you might find yourself thinking that investing in yourself might look useless and feel like a waste of time.

This is vital, in case the value of your investments falls, you still have a backup fund to cover your emergencies. By making sure your financial goals have all these characteristics, you can make them more achievable. Attainable — If you plan to save P, within 6 months and you very well know from the start that the amount you can only save per month is more or less P10,, then that goal might be a little too grand for now.

Be realistic and make it attainable. Why not make it your goal to save at the very least P60, within 6 months? It is more manageable and less overwhelming. Relevant — Do your goals inspire you? Why do you want to save P,? Is your goal demonstrable too? If you have this goal for no particular reason or you just thought of it out of the blue, then you are bound for failure.

Reconstruct it and make it relevant. And to achieve this you will have to save P5, from your salary every payday. You will take the bus to work instead of a taxi and pack your lunch instead of having lunch out every day. Subsequently, your goals must excite you and must have a valuable reason to keep you going. Time-bound — I will save P, before Christmas Dec 25 this year. Making your goals time-bound is having a target date. It keeps you committed and gives you a push or motivation to make progress every day as you near your target date.

If you want to know how to invest money wisely, then it is best if you do your due diligence on all the financial products in the market. Read, read and read. Undoubtedly, there are many financial blogs, financial books, financial groups and forums online that you can learn a thing or two from. Aside from that, do your research. Broadening your knowledge will give you the confidence in investing no matter how bullish or bearish the market may be. Even if you plan to have n financial advisor to handle your investing, you should still take the time to understand the things that your money is going to be invested in.

Simply trusting someone else to handle it is a no-no. She's the founder of the Thrifty Pinay Blog that spreads financial literacy. With her blog, she hopes to inspire you so you can live a thrifty, meaningful and a rewarding life! Save my name, email, and website in this browser for the next time I comment. Hit enter to search or ESC to close. Contents hide. Time Deposit. Mutual Funds. Stocks To help you understand stocks more, I decided to explain it through a story:.

How will I earn from the shares I bought?

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Column 5: Dividend Per Share - This indicates the annual dividend payment per share. If this space is blank, the company does not currently pay out dividends. Column 6: Dividend Yield - The percentage return on the dividend. Calculated as annual dividends per share divided by price per share.

Column 8: Trading Volume - This figure shows the total number of shares traded for the day, listed in hundreds. To get the actual number traded, add "00" to the end of the number listed. In other words, these are the maximum and the minimum prices that people have paid for the stock.

Keep in mind, you are not guaranteed to get this price if you buy the stock the next day because the price is constantly changing even after the exchange is closed for the day. The close is merely an indicator of past performance and except in extreme circumstances serves as a ballpark of what you should expect to pay. Column Net Change - This is the dollar value change in the stock price from the previous day's closing price.

When you hear about a stock being "up for the day," it means the net change was positive. For example, if ABC Corporation is valued at P1,, and it has , shares outstanding, the price of each share is P A company has stuff and sells stuff. The stuff it has are buildings, machineries, patents, money in the bank, etc. One of the primary benefits of investing in the stock market is the chance to grow your money. Over time, the stock market tends to rise in value, though the prices of individual stocks rise in value, though the prices of individual stocks rise and fall daily.

Investments in stable companies that are able grow tend to make profits for investors. Stock ownership takes advantage of a growing economy. As the economy grows, so do corporate earnings. That's because economic growth creates income. The fatter paycheck boosts consumer demand, which drives more revenues into companies' cash registers.

It helps if you understand the phases of the business cycle. Historically, stocks have averaged an annual return of 10 percent. That's better than the average annual inflation rate of 3. It does mean you must have a longer time horizon.

That way, you can buy and hold even if the value temporarily drops. Compare stocks, inflation, and gold prices in Gold Price History. Easy to buy. The stock market makes it easy to buy shares of companies. You can purchase them through a broker, a financial planner, or online. Once you've set up an account, you can buy stocks in minutes.

For more, see How to Invest in Stocks. You make money in two ways. Most investors intend to buy low and then sell high. They invest in fast-growing companies that appreciate in value. That's attractive to both day traders and buy-and-hold investors. The first group hope to take advantage of short-term trends, while the latter expect to see the company's earnings and stock price grow over time.

They both believe their stock-picking skills allow them to outperform the market. Other investors prefer a regular stream of cash. They purchase stocks of companies that pay dividends. Those companies grow at a moderate rate. They are easy to sell. The stock market allows you to sell your stock at any time. That's important if you suddenly need your cash in a hurry. Since prices are volatile, you run the risk of being forced to take a loss. If a company does poorly, investors will sell, sending the stock price plummeting.

When you sell, you will lose your initial investment. If you can't afford to lose your initial investment, then you should buy bonds. You get an income tax break if you lose money on your stock loss. Unfortunately, you also have to pay taxes if you make money.

See Capital Gains Tax. Preferred stockholders and bondholders get paid first. It requires a lot of time. You've got to research each and every company to determine how profitable you think it will be before you buy stock. You've got to learn how to read financial statements and annual reports, and follow your company's developments in the news. You've also got to monitor the stock market itself, as even the best company's price will fall in a market correction, a market crash or bear market.

It can be an emotional rollercoaster. Stock prices rise and fall every second. Individuals have the tendency to buy high, out of greed, and sell low, out of fear. You compete against professionals. Institutional investors and traders have more time and knowledge to invest. Find out how to gain an advantage as an individual investor. Thus, it is difficult to purchase stocks in the market without the help of any broker.

As what have been discussed in this document, there are several steps and requirements in applying for a broker. In this document, we applied in Col Financial Group, Inc. Also, it was suggested in an article online that the said broker is advisable for people who have small amount of funds, like the minimum requirement of Php 5, Looking back to the steps we had in applying to Col Financial, we had summarized it as follows: 1.

Prepare the necessary requirements, such as the following: a. A savings bank account, which accepts check deposits as required by Col Financial in our case, we opened a savings bank account in Banco De Oro BDO — Tagaytay Rotonda Branch and the steps are as follows: i.

Regarding what bank to open with, Col Financial said that as long as it accepts check deposits will do. Passport b. Philippine Postal ID d. Senior Citizen ID Card i. Barangay ID t. Particularly for Tagaytay- Rotonda Branch, we paid Php 2, Finally, you just have to wait for some working days until you get your ATM card may be delivered directly to your address or may be obtained through going to the bank.

Now, you already have your savings bank account and the account number will be used in filling-up the forms required by Col Financial Group, Inc. Next, fill-up the forms. Attached with the forms are your valid IDs for presentment and verification of your identity.

You may send it directly to Col Financial Group, Inc. If you will do the same, they will give you the receptacle sticker with from and to sections. The date you will set should be counting days after your date of settlement for example, you are about to reply to their email on September 30, , you must have to put the date of interview as October 3 onwards.

Next, after the online interview, a message will be sent to your e-mail which gives you your account number for final processing. Finally, you may proceed with funding of your account which may be through online banking, over-the-counter and so on. After working days, they will send another message which tells you your log-in information so you can now access your COL account anytime and purchase or sell stocks without any costs aside from the fees to be discussed in this document.

We were tasked to experience investing in stocks, as well as sharing those experiences and the knowledge we have earned through a seminar. We started with planning and setting goals. We had countless meetings, we had assigned different committees. One for food, logistics, research, registration and the like. Because of these, everyone got to experience investing and had their own insights.

No one knew among us that we can actually produce quite a money if we became tactful in investing, until we did the activity. We never knew until then that, stock prices drops because of many reasons, such as company scandals and issues, interest rates fluctuating and the like. We absorbed so much about investing that all of us has considered doing it in the future — and we hope through the seminar we had done, the audience might feel the same. Investing in stocks is one of the few things people can do to multiply their money while still learning.

It is one of the best ways to prepare for the future. Investing in stocks is a hopeful way to face the present to prepare the future. In line with this, the section planned to have groups in charge with monitoring the stock performance within six weeks, until September 22, This stock report gives relevant information regarding the important matters that affect the stock investment per week.

Thus, this report, in particular, is for the First week of Monitoring — August 14, to August 18, Tuesday-Friday. Everyone has different insights and opinions about their own preferred stock investment. Therefore, it was hard for the class to come up with one or at least two companies where the money will be put at. Having such confusion about which company to choose, the class came up with a solution of having a voting on the preferred stock investment.

Researchers have chosen Filinvest Land Inc. The potential investors have three options. The first one will be Double Dragon alone. The second will be the combination of Jollibee Food Corp. Also, as of that day, the price of the stock of JFC has increased, therefore the investors loses its opportunity to invest in this stock.

As a result, only one investment was granted, which is with the FLI. In this report, the stock performance of FLI for the first week starting from August 14, to August 18, will be presented together with the stock table and graph showing the changes that took place for the entire week.

Likewise, it will include the conclusion and interpretation regarding the stock performance. And, its price earnings ratio was 8. Stock Performance — First Week of Monitoring As it was shown on the figure 4, starting August 14, , the price of the stock is increasing. However, there was a sudden decrease on its price on August 18, Although there were days wherein the price of the stock goes down especially on August 15 and 18, but still, the entire stock investment on the first week was favorable given that it does not incur any loss on the account equity value of the investors.

With a minimal fluctuation on the price of the stock along with such increase on the equity value of the investors, a decision of retaining the stocks was made by the group and the class as a whole. Furthermore, stock prices fluctuation would still be diverse but fluctuations would only be minimal. Olaes, Ericson O. Reyes, EJ Angella M. Tanlangit, Leizelle Joy G. In this report, the updates for the second week of stock performance monitoring will be presented wherein the stock table, the graph illustrating the changes in the trading price, and the interpretations and conclusions regarding the stock performance are included.

Figure 5. However, it shows that the stock price gradually increased on the second week which is from August 21 until August The total account equity value did not incur a loss since the account balance is still higher than its original value. However, the group did not opt to sell the stock of FLI because the stock price of other companies that the class would like to invest in is still high compared to the minimum price it can be paid for. The group has decided to retain the stock investment in FLI, considering the possible change in the equity value if the stock would be sold to purchase shares of stock from another company.

Members: Aventurado, Lei Ann U. Bornalo, April Jane A. Sangria, Jasmin M. Sumagui, Czerina Kathleen P. Tibayan, Ma. Cristina I. As compared to our initial total account equity value of P4, The first week became exciting, enjoyable and fun. Since it was our first experience in handling stocks by ourselves only, or rather without any help of traditional or live brokers, we had fun and gained memorable experiences.

In the first week of stock performance monitoring, the stock reached 1. Thus, the total account equity value risen up to P4, The second week became more exciting, enjoyable and fun. The stock market value consistently risen up. As compared to the first week, it has a. The stock performance during the second week of the monitoring activity can be described as constantly improving.

Our total account equity value climbed up to P5, As of this week, the third week of stock performance monitoring activity, we already experienced the buy-and-sell transaction. We sold our stock with FilInvest Land Inc. The discussion of the third week stock performance monitoring activity will be imparted through the remainder of this paper. Since the start, the section really want to purchase Double Dragon stock because of the suggestions of other people, may it be in the internet or websites or through the word-of-mouth.

Also, the section decided to purchase Double Dragon stock when its amount reaches the lowest value as of the month. Based on our observation in our FLI stock, when the price of the stock turns high, the value of our investment also turns high. However, due to its small fluctuation rate, it increases minimal amount. This is the reason why we are pursuing Double Dragon up until now.

We want some change. We want our stock investment to become higher so we decided to invest in a risky type of stock investment. Since, the stock investment in FilInvest Land, Inc. As of the week, FLI stock reached 1. Since Double Dragon, as compared to its previous prices, it became Figure 6. We have been notified that it has already been sold and the amount was transferred already to our COL Financial account, resulting to Php 5, Then, we immediately purchased Double Dragon DD stock.

Our order was sent for execution. Immediately, our order was granted and we finally had the Double Dragon stock. Our actual balance and buying power had decreased to Php The change in the stock price was 2. The change in the stock price was The change in the stock price was 0.

The change in the stock price became Also, it was revealed that the price of the stock declined during the last day of monitoring. It is important to evaluate and assess the price-to-earnings ratio because it may lead to more investors. If it is high, investors will expect higher earnings in the future and growth prospects are good. Therefore, they will tend to invest. On the other hand, when it is low, investors will think that the company will not able to provide good earnings.

Also, there had been minimal fluctuations in the stock prices and it is favorable on our part as investors. Stock prices change every day as a result of market forces. One of the reasons is because of supply and demand. If more people want to buy a stock demand than sell it supply , then the price moves up. The price of a stock doesn't only reflect a company's current value, it also reflects the growth that investors expect in the future.

The group has decided to retain the stock investment in Double Dragon because the performance of DD was moderate. Although we incurred a loss, we are expecting that the stock price of DD will to increase on following week. Members: Abela, Cristine Marie M. Cabeltes, Ederlyn B. Develos, Kaith Shaira D. Reyes, Cherryll T. Ricofuerto, Jelly Joyce B. Satparam, Felicia Paula R. It was chosen over the Filinvest FLI. For the first week of investing therein, it already incurred a loss.

Everyone in class is hoping it will recover from a loss, especially in the fifth week of monitoring its performance. But, as expected from Double Dragon, it continuously incurred a loss until September On the last day of monitoring, September 15, the Double Dragon provided a gain.

It is as if it has regained its confidence and has already recovered from certain circumstances. Why the Stock prices of Double Dragon did continuously goes down? The Double Dragon provided certain cases when their stock prices can be affected. Note: An initial public offering IPO is the first time that the stocks of a private company are offered to the public. IPOs are often issued by smaller, younger companies seeking capital to expand, but they can also be done by large privately owned companies looking to become publicly traded.

By , it goal is to achieve the 5. During the operation, there have been a change of plans. Its goal, as of now, is to accumulate 1. In order to achieve this goal, the Double Dragon now decided to go further. In line with this going internationally, the Double Dragon previously had a public offering which can be the reason of the fluctuations of stock prices. Table 8 and Figure 6 will provide the summarized information for the fifth week of monitoring.

Stock Table — Fifth Week of Monitoring As shown in the Table 6, from the last day of monitoring of the fourth week up to the fourth day of the fifth week September 8- September 14 , it can be seen that the losses are continuously incurred, and at the last day of the fifth week of monitoring, it finally had a gain. During sept. During the opening of stock market, the DD already incurred a positive day change of. Although arguments between investors have occurred, the decision still remains to be the same, retain the shares in Double Dragon until the losses are recovered, and then decide afterwards, whether to stay at risk, but obtain the experience, or invest on a new company where stability is present.

No one can tell when it will incur a loss, or a gain, or when it will be stable. It is for the reason that we can never know what will happen until we do it and experience it. In line with this, the section planned to have groups in charge with monitoring the stock performance within six weeks, until August 8, Thus, this report, in particular, is for the Sixth week of Monitoring — September 18, to September 22, Monday-Friday. Members: Anciro, Joana Mae S. Creus, Bren Bernard R.

Doneza, Yarrah-Zynne A. Garcia, Rensie Mae L. Lamagan, Nicole T. The change in the stock price was 5. The change in the stock price increased to 0. The change in the stock price declined to 0. There was no change in the stock price and there was also no price earnings ratio.

Figure 9. Stock Performance — Sixth Week of Monitoring As shown on Figure 9, which presents the hourly stock performance of Double Dragon on the sixth week which is from September 18 until September From September 18, price declined in 19 but rose up again on The price finally dropped on the last day of monitoring during September The price-to-earnings ratio is of essence because it can be used to attract investors, the higher the price-to-earnings ratio, the better.

If this is the case, more investments will flow. According to PSE Stockholders , Double Dragon currently is in an oversold condition based on the momentum oscillators. Its volatility is extremely low when compared to the average volatility over the last 10 periods. Despite this, an increase in volatility is seen possible with the sharp price fluctuations in the near future.

Stock prices fluctuates because of many factors. Such factors may be: news releases on earnings and profits, future estimated earnings, announcement of dividends, securing a new large contract, employee layoffs, change in management, anticipated takeover or merger, and accounting errors or scandals. A big project like this, of course, will indicate a new large contract which will affect the stock prices. Office work was affected and therefore no stocks are traded at the time.

The group came to the decision to retain the stock investment in Double Dragon because the performance of DD was still unstable though nearly moderate. Double Dragon is one of the companies that are very risky in stock investing. It gains rapidly in a large amount of price and in contrast, it also drops in a big price.

Students had already experienced gaining a bigger amount of profit but on the other hand, we also experienced continuous losses for the consecutive weeks. Students are still hoping even though they incur losses, they are expecting that they will obtain profit from it. For us, it is not all about the money that we should consider in investing stocks but also, we want to experience not only gaining profit but also, to experience some risky situations including the trade between Double Dragon.

As of this date, September 25, , the start 7th week of monitoring the stock performance of Double Dragon, it continues to have losses starting from the losses obtained from the previous weeks. But there are times that its stock price increases rapidly and the same as it decreases the price quickly.

During this week, Double Dragon presently is in an oversold condition and some economic situations, being continued from the 6th week. Despite this, an increase in the movement is seen possible with the sharp price fluctuations in the near future. Stock prices fluctuate because of many factors. Despite the loss, the group is anticipating that DD will soon hit an increase in the stock price as they are having good comments from analysts and because of the performance the stocks have.

The seminar aims to unlock the knowledge of the participants on Stock Investment. Moreover, to give them curiosity about how stock investment could change their future. Present in the event were Mr. Mher Anthony A. There were 24 participants who attended the event which came from different clusters in Rogationist College and outsiders.

This seminar is all about the introduction and basics of stock investing and also the personal experiences that students encountered before, during and after the actual stock investment. The objective of the seminar was to give the exposure and understanding of stock investment to the students and was introduced to students for participation.

Investing in the stock market is very much like any other businesses where you buy a product to sell to someone else at a profit. Too many investors treat their stock market investing more like gambling at the casino. Successful and profitable investors know the difference. Below is a list of the 10 Best Investments for Beginners in the Philippines this They pay higher interest rates than normal savings accounts in exchange for not being withdrawn for a specified time period.

Your investment will be subject to fees and charges, depending on your chosen bank. And for as low as Php GCash also makes it easier for investors as they can manage their investments all within the app, such as adding more capital, transferring them to a different mutual fund, or redeeming the investments. You only need to register for a GCash account and fill up a few documents through the mobile application.

Once you register, you get an instant P50 reward and so will I! Already hyped up in investing? And I also use Gsave to save a part of my emergency fund since they are offering an interest rate of 4. What a way to grow your savings! That rate completely outstrips the savings rates of traditional banks. See what a convenience Gcash is? On some days, it increases. On other days, it fluctuates. If the market went down, it is lower than that of yesterday.

A mutual fund is a pool of money from the public that is invested. It is also called pooled or managed fund. However, they do have their differences:. A stock is an investment that represents a share, or partial ownership, of a company. Stocks are one of the best ways to build wealth. Allan, Ben and Cath own a milk tea shop.

Their company is a Private Company. It is a private company because the owners are only limited to a small group of people. All businesses usually start as private. Then probably after a few years, when business is doing great, they might want to grow more branches and expand. But Allan, Ben and Cath have limited capital for their expansion. So all three of them decided to sell a part of the company to other people.

They can do this by offering people to invest in their business. Once people start investing in their milk tea business, they will have the necessary funds to expand their business. So, they ask their friend Dan to buy a part of the business. So when they do receive money from Dan, they can use that to put up a new branch. Now when their business thrives and earns money, the original owners Allan, Ben and Cath will no longer get all the profit for themselves because they have to share it with Dan.

Hence, they need money from more investors. This is where their business, which is a private company turns into a public company. By being a public company , they can now sell part ownership of the business to the public and anyone who wants to have part ownership can invest money by buying shares. A stock market is a place where you can buy shares of public companies and become a part owner of those businesses.

A Dividend is a payment made by corporations to their shareholders, usually as a distribution of profits. To receive a dividend, you must own the stock by the ex-dividend date. The company decides how much the dividend will be per share. The amount that will be deposited into your brokerage account is simply the number of shares you own multiplied by the dividend per share.

So, if you own 10, shares and the dividend is P0. So, if you want to be a part-owner of SMC, you need to pay P for every share you buy. But wait. The stock market has rules. Supposing that you need to buy 10 shares of SMC before you can be a part-owner. This means you need to spend P2, before you become a part-owner. If you think buying individual stocks in the stock market is too risky, Index Funds is your lifesaver.

In a nutshell, Index funds are a diversified, hassle-free, no-fuss and a low-cost means of investing in the Stock market. The minimum investment is P per month. There is also no maximum amount. You can invest in MP2 as much as you want.

You may skip the next contribution. Supposing you consistently contributed P1, per month from January to July, but in August you went a little tight on your budget. You can forego your contribution for August and resume on another month. This makes MP2 suitable for a conservative investor because of its low risk meaning the chances of you losing your money are very slim to none. Probably the worst-case scenario is that you would get back what you only have invested which is very unlikely.

The dividends that you earn are exempt from tax. As mentioned above, MP2 rates have significantly higher rates than savings accounts and time deposits which makes it a better option if you are looking for an investment vehicle with higher returns and minimum capital loss. This are the reasons why this is one of the best investments for beginners! A Personal Equity and Retirement Account PERA , is a long-term voluntary retirement account that encourages individuals to save and plan for their retirement while enjoying the tax incentives both from:.

What got me excited with PERA is that it has tax incentives because come on! There are not a lot of investment and retirement options out there that offer tax incentives the way PERA does. But these tax benefits are just the icing on the cake!

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REITs REVIEW: AREIT, DDMPR, FILRT, RCR, and MREIT

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