col easy investment program · 2014. 10. 2. · stock exchange & is also member of the hong...

COL Easy Investment Program Learn to build wealth the easy way in the Stock Market

CHINA BARACHINA COL Relationship Manager

COL Financial (formerly known as CitisecOnline) is a leading and fastest-growing online stockbrokerage firm in the Philippine Stock Exchange. Started in 1999

COL Financial is the largest capitalized stockbroker with over half a Billion Pesos in resources, COL is publicly listed in Philippine Stock Exchange & is also member of the Hong Kong Exchange

COL Financial is committed to empowering the Filipino investor to achieve financial independence by providing online access, research information, and educational seminars about stock investing

COL Financial Group Inc… who we are

Retirement

Children/ Education

Cost of Living/ Housing

WHY ?

Investing is the most effective way to build your personal wealth and

reach your financial goals!

* Assuming Big Mac historical yearly growth of 7.6%

Year* How much does my Big Mac cost?

2003 65.00

2005 75.25

2010 108

2020(F) 225

2030(F) 469

Allow savings to grow faster than interest rates!

Safeguard capital against the effects of Inflation!

1 2

0.00

5.00

10.00

15.00

20.00

93 95 97 99 01 03 05 07 09 11 13

Interest Rates % (91-day T-Bill)

WHY ?

How do we make money in stocks?

You invest into a company to participate in its growth through:

Price Appreciation - the ability for a stocks’ price to increase in value over time as driven by the demand to buy shares in a growing business

Dividends - profitable companies may return some wealth back to shareholders by means of:

Cash dividends – company offers part of its profits to shareholders

Stock dividends – company offer more shares to its shareholders

History has proven that investing in quality stocks

can provide greater returns than most

instruments; giving a good run over inflation…

25.8%

2.3%

3.8%

15.1%

3.9% 4.7%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

PSEI T-Bills Inflation

Effective Annual Yield (as of end 2013)

5-Yr 10-Yr

Stock Market Investing Simplified: PESO COST AVERAGING!

6 5 4 3

Peso Cost Averaging is a personal wealth-building strategy that involves investing a fixed amount of

money at regular intervals over a long period

Month 3

Buy Php5,000 worth of stock ABC at market price

Month 2

Buy Php5,000 worth of stock ABC at market price

Month 1

Buy Php5,000 worth of stock ABC at market price

Designed to reduce market risk by stretching out the purchase of stocks over time, buying more when prices

are low and buying less when it is high, effectively keeping your average cost down

1 2 3 4 5 6 7 8 9

Month

Ave Cost per Share

You get to buy more

shares when prices are low, less

when prices are high…!

OPTIMISTIC

VERY HAPPY

NERVOUS

FRIGHTENED

OPTIMISTIC LOWEST EXPECTED

RETURN

HIGHEST EXPECTED

RETURN

Sample Cost Averaging Activity Date of Stock

Purchase Amount of Stock Purchase (Php)

Price per Share # of Shares* Ave Cost per share

1-Jun 5,000 10 500 10.00

1-Jul 5,000 11.75 426 10.80

1-Aug 5,000 11.5 435 11.03

1-Sep 5,000 11 455 11.02

1-Oct 5,000 10 500 10.80

1-Nov 5,000 9 556 10.45

1-Dec 5,000 7.5 667 9.90

1-Jan 5,000 8 625 9.61

1-Feb 5,000 9 556 9.54

1-Mar 5,000 9.1 549 9.49

1-Apr 5,000 9.5 526 9.49

1-May 5,000 10 500 9.53

*You buy less shares when prices are high and more shares when it is low (subject to board lot regulations)

Your average cost remains low

Let’s assume you invest Php5,000 a month over a year in two market scenarios

Total Investment = P60,000 Market Value = P80,650 (+34%) Cost Per Share = P20.83

Total Investment = P60,000 Market Value = P75,281 (+25%) Cost Per Share = P12.75

2-yr Cost Averaging plan to BUY Php15,000 of Ayala Land every quarter

10.00 1,400 SHARES

6.60 2,200 SHARES

Total Shares: 3,600

Ave. Cost: 7.95

6.50 2,300 SHARES

Total Shares: 5,900

Ave. Cost: 7.39

10.25 1,400 SHARES

Total Shares: 11,100

Ave. Cost: 7.83

10.50 1,400 SHARES

Total Shares: 12,500

Ave. Cost: 8.13

6.40 2,300 SHARES

Total Shares: 8,200

Ave. Cost: 7.12

9.40 1,500 SHARES

Total Shares: 9,700

Ave. Cost: 7.47

2 Year Result: TOTAL INVESTMENT: Php 115,340

TOTAL PORTFOLIO VALUE: Php 189,000 (+64%)

14.00 1,000 SHARES

Total Shares: 13,500

Ave. Cost: 8.50

A viable long term plan Cost Averaging

With an Average of 15% Annual Return

Invest Monthly Php5,000

# Years 10

Return Rate 15.0%

Total Investment (P) 600,000

Will result in a…

Future Value (P) Php1.4M

Investment Gain 133%

Make Millions in the Stock Market!

Invest Monthly Php5,000

# Years 20

Return Rate 15.0%

Total Investment (P) 1,200,000

Will result in a…

Future Value (P) Php7M

Investment Gain 483%

The COL Easy Investment Program

• Pre – selected PREMIUM stocks - hand picked by

well renowned research team that has proven its

performance over the years.

• Online Stock Portfolio - visible and accessible any

time

• Scheduled Calendar - designed to fit in your busy

lifestyle by sending reminders when its time to by

• NOW! New and improved buying feature Manual

and Automatic Buying

COL has filtered good stocks for you and call it GEMSS Stocks

rowing Industry

arnings Visibility/ Predictability

anagement Credibility

uperior Products and

Services

trong Balanced Sheet

• No “market timing” needed • Can start with only MINIMUM

amount • “Partnership” with GEMSS

companies • Investments can easily be turned

into cash in case of need

1. Open an Account

2. Decide on how much &

how frequent

3.Choose from the GEMSS

4.Set you buy

schedule and follow

GU

IDES

EIP Quick Guide - .PDF form Tutorial Videos – Youtube

Po

rtfo

lio

3 easy steps to open a

COL FINANCIAL

SUBMIT FUND 2 3

ACCOUNT

APPLY 1

Fill-out our application forms

Fund your COL account

APPLY STEP 1

Customer Account Information form (CAIF)

Online Securities Trading Agreement (OSTA)

Secure a COL application form. Either through our business center or online at www.colfinancial.com.

Signature Cards (2)

SUBMIT STEP 2 Give the forms together with the requirements to any of our sales officers.

APPLICATION

FORMS

IDENTIFICATION

CARD

BILLING

STATEMENT

Once the account

application is

complete...

A COL account number will be sent to your email address within 24 hours. The COL account number is also your reference number for your funding.

CH

OO

SE

ON

E

REQUIREMENTS TO SUBMIT

FUND STEP 3

FUNDING OPTIONS

ONLINE BILLS PAYMENT

OVER-THE-COUNTER BILLS PAYMENT

Enroll COL FINANCIAL as a merchant on your online banking with our partner banks.

SAMPLE PAYMENT SLIPS:

PARTNER BANKS

ACCOUNT OPENED!

Congratulations...

LOG-IN DETAILS:

Your username and password will be sent to your email address 1-2 business days from your funding.

www.colfinancial.com

QUESTIONS?

Approach any of our sales officers or email us at

helpdesk@colfinancial.com or call us at +632 6515888

THANK YOU! We enjoyed having you here.

**** **** *****

Never depend on single income. Make investment to create a second source. Warren Buffet