Paano pag nagsara ang broker ko, lugi na ba ako?
»Hindi.
Regulated ang participants sa stock market ng Philippine Stock
Exchange, Inc. (PSE). In case magsara ang broker pwede mo makuha ang
stocks certificate mo sa PSE at pwede mo ito ilipat sa ibang broker.
Ano ang advantage ng Stock Market?
»Sa stock market, sure yan na hindi scam, basta sa brokers ka lang na naka-list sa www.pse.com.ph mag-o-open ng account.
»Mas kikita ang pera mo kumpara sa kung pinatulog mo lang ito sa bangko.
»Mas nakakasigurado na lalago ang pera mo at hindi maglalaho kumpara sa mga networking sa tabi-tabi.
Ano ang disadvantage ng Stock Market?
»Volatile - o mabilis mag fluctuate ang presyo ng stocks.
»Kailangan
ng PASENSYA dito dahil pang LONG TERM ito, kaya bawal ito sa mga taong
nagmamadaling kumita. Tandaan ang stock market ay para sa pera mo na
pang "Savings". Wag mo i-invest dito yung pera mo for your "cost of
living".
Paano pag na-dedo ako?
»Yung
stocks mo ay magiging parte ng estate properties mo na pwede manahin ng
asawa mo or ng mga anak mo. Pwede mo rin maging ka-joint account ang
asawa mo sa account mo kung gusto mo.
Kailangan ba tutok ka sa pag mo-monitor ng stocks mo?
»Hindi
naman. Pwede mo i-check ang stocks mo anytime you want. Kahit nga once a
month lang ok lang or kung kelan ka lang bibili ng stocks.
Paano pag may account na ako tapos ayaw ko na mag stock market, pwede ko ba kuhanin yung pera ko?
»Oo
pwede yan. Ibenta mo lang stocks mo tapos fill out ka ng withdrawal
form para ideposit ng COL Financial sa bank account mo yung pera. Pero
hindi ibig sabihin nun ay pwede mo makuha ng buo yung pera mo. Mas
recommended kung hintayin mo muna mag kulay green yung portfolio mo bago
mo ilabas yung pera mo para buo o mas mataas pa yung pera na mailalabas
mo mula sa account mo.
Ano ang kaibahan ng MUTUAL FUNDS at STOCK MARKET?
»Sa
Mutual Fund, may FUND MANAGER na humahawak ng pondo mo. May mga rules
siya na dapat mo sundin at siya ang nagdedesisyon kung saan iinvest ang
pera mo. Siyempre, dahil expert sila at sila nagma-manage sa pagpapalago
ng pera mo, less risk pero mas malaki ang charges. Kung ihahalintulad
sa biyahe, nagko-commute ka lang at nagbabayad sa driver para makarating
sa pupuntahan mo. Kahit ZERO knowledge ka sa stocks/mutual funds, ok
lang dahil may fund manager ka.
»Sa
Stock Market, ikaw ang bahala sa lahat. You make your own rules. Ikaw
bahala sa kung magkano ipopondo mo at kung saan mo ito iinvest. Kung
ihahalintulad sa biyahe, you drive your own car and you plan your own
route para makarating sa pupuntahan mo. Risky ito KUNG HINDI KA PROPERLY
EDUCATED sa stock market kasi baka magpadala ka lang sa takot mo ibenta
mo lahat ang stocks mo pag nagcrash ang market. Pero kung nauunawaan mo
naman ang behavior ng stocks, less risk rin ito. Investor education
plays an important role.
Ano ang mas maganda MUTUAL FUNDS o STOCK MARKET?
»Ikaw lang ang makakasagot niyan kung ano ang mas maganda sa palagay mo.
May seminar ba para dito?
»Meron. pwede kayo magpa-register sa: https://www.colfinancial.com/.../home/investor_education.asp
»Mas
detalyado ang paliwanag sa mga episodes ng Pesos and Sense kumpara sa
2-hour seminar ng COL Financial. Pero maganda rin kung aattend ka ng
seminar sakaling may mga tanong ka pa.
»Pwede rin kayo mag-apply ng account on the spot after the seminar.
Saang stock broker maganda mag-open ng investment account?
»#1
Online Stock Broker ang COL Financial as ranked by PSE. Performance
wise, lamang siya sa ibang online stock brokers like BPI Trade and
others.
Tuesday, December 17, 2013
Wednesday, November 20, 2013
RCBC named country’s best banking group
RIZAL Commercial Banking Corp. (RCBC) has been named the top banking group in the country by an international magazine.
RCBC received the Best Banking Group Award in the recent Banking Awards held by World Finance. This is the second time the Yuchengco-led bank has received the citation.
The award is given to banks that have developed products and services that address the needs of customers, consistently improved their financial performance and implemented sound corporate governance, the magazine said.
“Our promise to our customers still remains -- to further enhance the way they perform their banking transactions by creating smarter technologies,” RCBC President and Chief Executive Officer Lorenzo V. Tan said in a statement yesterday.
Mr. Tan said RCBC has improved its electronic banking channels, particularly for its retail banking and small and medium enterprise sectors, opening growth opportunities for its consumer market and expanding to the unbanked segment of the country.
The bank was also cited by Corporate Governance Asia for upholding sound business principles and effective policies that comply with the regulations set by the Bangko Sentral ng Pilipinas and the Securities and Exchange Commission.
RCBC’s consolidated net income slightly dropped in the first nine months of the year to P4.71 billion from P4.78 billion recorded in the same period in 2012.
Its shares lost 3.22% or 1.5 centavos yesterday to close at P45.05 apiece from P46.55 on Monday.
http://www.bworldonline.com/
RCBC received the Best Banking Group Award in the recent Banking Awards held by World Finance. This is the second time the Yuchengco-led bank has received the citation.
The award is given to banks that have developed products and services that address the needs of customers, consistently improved their financial performance and implemented sound corporate governance, the magazine said.
“Our promise to our customers still remains -- to further enhance the way they perform their banking transactions by creating smarter technologies,” RCBC President and Chief Executive Officer Lorenzo V. Tan said in a statement yesterday.
Mr. Tan said RCBC has improved its electronic banking channels, particularly for its retail banking and small and medium enterprise sectors, opening growth opportunities for its consumer market and expanding to the unbanked segment of the country.
The bank was also cited by Corporate Governance Asia for upholding sound business principles and effective policies that comply with the regulations set by the Bangko Sentral ng Pilipinas and the Securities and Exchange Commission.
RCBC’s consolidated net income slightly dropped in the first nine months of the year to P4.71 billion from P4.78 billion recorded in the same period in 2012.
Its shares lost 3.22% or 1.5 centavos yesterday to close at P45.05 apiece from P46.55 on Monday.
http://www.bworldonline.com/
Pag-IBIG to invest P5B in stocks
HOME
Development Mutual Fund (Pag-IBIG) is setting aside P5 billion for its
maiden investment in equities, an official said last Thursday.
“I’ve just gotten approval [from the board of trustees] to invest a certain percentage of our investable funds into equities,” Pag-IBIG Chief Executive Officer Darlene Marie B. Berberabe told reporters at the sidelines of the Asia CEO Awards.
Ms. Berberabe, who was given the Public Sector Leadership Award, said Pag-IBIG currently holds P330 billion in assets, with about 70% of these invested in housing-related loans.
It also has P35 billion in “free funds” for other investments -- 85% of which are in government securities, while the rest are in fixed-income assets.
“We have approval for a maximum of P5 billion to be invested in equities,” she said.
Pag-IBIG has begun screening fund managers to help the state-run agency with the investment.
“That’s what we are doing now, we are accrediting fund managers because we recognize that we don’t have that capacity. This is a first for us,” Ms. Berberabe said.
She said fund managers would be chosen based on their track record and the management fees they offer.
“We really want to be safe. This is money that members will need at a certain point. We need to return them to our members.”
While no specific timetable has been set, Pag-IBIG’s first investment in stocks will likely happen next year, she said.
Earlier this year, two other state-run financial institutions, the Government Service Insurance System and Social Security System, said they were planning to increase their exposure to equities to take advantage of attractive valuations, especially with the Philippine economy booming.
Pag-IBIG’s foray into stocks is expected to add liquidity to the local market, which is bracing for volatility should the US Federal Reserve start reducing its massive stimulus program next year.
Last year, the Philippine Stock Exchange (PSE) emerged as the third best performing bourse in the world after Turkey and Thailand.
Despite volatility this year due to concerns over the Fed’s taper plans, the benchmark index has still gained 7.83% to date. It settled at 6,267.85 points yesterday against the 2012 yearend close of 5,812.73.
Before the US central bank said it would taper its $85-billion monthly bond-buying program and sent tremors across financial markets worldwide, the PSE index hit as high as 7,392.20 on May 15 -- a gain of 27.17% for the year.
http://www.bworldonline.com/
“I’ve just gotten approval [from the board of trustees] to invest a certain percentage of our investable funds into equities,” Pag-IBIG Chief Executive Officer Darlene Marie B. Berberabe told reporters at the sidelines of the Asia CEO Awards.
Ms. Berberabe, who was given the Public Sector Leadership Award, said Pag-IBIG currently holds P330 billion in assets, with about 70% of these invested in housing-related loans.
It also has P35 billion in “free funds” for other investments -- 85% of which are in government securities, while the rest are in fixed-income assets.
“We have approval for a maximum of P5 billion to be invested in equities,” she said.
Pag-IBIG has begun screening fund managers to help the state-run agency with the investment.
“That’s what we are doing now, we are accrediting fund managers because we recognize that we don’t have that capacity. This is a first for us,” Ms. Berberabe said.
She said fund managers would be chosen based on their track record and the management fees they offer.
“We really want to be safe. This is money that members will need at a certain point. We need to return them to our members.”
While no specific timetable has been set, Pag-IBIG’s first investment in stocks will likely happen next year, she said.
Earlier this year, two other state-run financial institutions, the Government Service Insurance System and Social Security System, said they were planning to increase their exposure to equities to take advantage of attractive valuations, especially with the Philippine economy booming.
Pag-IBIG’s foray into stocks is expected to add liquidity to the local market, which is bracing for volatility should the US Federal Reserve start reducing its massive stimulus program next year.
Last year, the Philippine Stock Exchange (PSE) emerged as the third best performing bourse in the world after Turkey and Thailand.
Despite volatility this year due to concerns over the Fed’s taper plans, the benchmark index has still gained 7.83% to date. It settled at 6,267.85 points yesterday against the 2012 yearend close of 5,812.73.
Before the US central bank said it would taper its $85-billion monthly bond-buying program and sent tremors across financial markets worldwide, the PSE index hit as high as 7,392.20 on May 15 -- a gain of 27.17% for the year.
http://www.bworldonline.com/
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