Wednesday, April 21, 2010


I decided to segregate or created new site intended for Online Stock Market Trading at   a complete and easy to understand step-by-step procedures on trading and investing stocks. This site focus principally to our newbie investors, to guide and enhance skills. I'm also posting my stock picks and advice every week, tips and tricks on trading, and market watch on where we are heading.

I could say that I'm not a stock guru, but I could assure that an elementary newbie level could learned and beat manager on the long run of practice. See you then and more power. 

Friday, April 9, 2010


Our mutual funds performs well as a good start this year, with most funds registering a positive results. As we had anticipated, our economy did not go into as bad effect of recession last year, and now show strong recovery despite the financial meltdown in the abroad and in this coming election on May. PSEI also got recovery after a bubble burst last January.

As of the 1st Quarter of 2010 (January to March 2010)

Definitely, 2010 will be a better year for us in to our economy and business. Services sector still seen a continue to provide the major growth, with agriculture and mining that shows strong support. While manufacturing sector  continued to decline as we and most countries cannot compete with China.


Good luck and more power to all our investors.

Thursday, April 8, 2010


, Ge( 5.0% government guaranteed and tax-free)

If you’re looking for an investment that make you sleep soundly and no time to study and monitor, then this is it! Invest with our government.

The Bonds have a term of 5 years and 1 day. You can invest with a minimum of Php10,000 only with  other denominations are Php100,000, Php500,000, Php1,000,000 and Php10,000,000.

It pays fixed interest rate of 5.0% per year and the interest payments are exempt from the 20% withholding tax. Your earnings are automatically credited every 6 months to the savings account of the bondholder with the Development Bank of the Philippines (DBP) or Land Bank of the Philippines (LBP).

Sample computation:
•    Investment Amount: Php10,000
•    Coupon rate: 5% fixed per annum
•    Gross Semiannual Interest: Php250.00 (Php10,000 x 5.00% x 1/2)
•    Tax: None
•    Net Interest to be Received: Php250.00 every 6 months

Or for Php100,000 you can gain interest of Php5,000 per year. 5.0% is not so impressive profit but the safety of your fund and less hassles is guaranteed by our government. Other than that, for every Php10,000 Bond held, an eligible bondholder is entitled to one raffle number. Every year, a minimum of two (2) units of House and Lot packages or Lots worth Php1 Million each will be raffled off.

To invest, you must have:
•    Accomplished Application to Purchase Pag-IBIG Housing Bond
•    TIN and 2 valid IDs ( bearing photo and signature)
•    Savings account with either DBP or LBP
•    Manager’s check

Visit the Treasury Department of Pag-IBIG to make your investment.
•    Pag-IBIG Fund Corporate Headquarters
•    Treasury Department
•    4/F Atrium Building, Makati Avenue, Makati City
•    Tel.: (632) 811-4340 / 811-4260 / 811-4380

The proof of ownership is the Bond certificate issued by the DBP Trust Services to you. As of now, I have no investment yet on Bonds. But sooner I really will, I’m not after for the 5.0% interest exactly but to the semi-annual raffles of “house and lot” worth Php1M. And even I won’t lucky won this raffle, still no big deal since our fund got earnings every year and not to mention the assistance we contribute to our government to construct low cost housing for our fellow Filipinos.

In fact, I'm living in a townhouse under Pag-IBIG loan.