col easy investment program · 2014. 10. 2. · stock exchange & is also member of the hong...
TRANSCRIPT
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
[email protected] 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