Download - Easy Investment Program
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COL Easy Investment ProgramLearn to build wealth the easyway in the Stock Market
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CitisecOnline.com who we are
CitisecOnline is the leading and fastest-growing online stockbrokerage firm in the
Philippine Stock Exchange handling about
20% of its number of trades.
CitisecOnline is the largest capitalized
stockbroker with over half a Billion Pesos inresources, COL is publicly listed in Philippine
Stock Exchange & is also member of the
Hong Kong Exchange
CitisecOnline is committed to empowering
the Filipino investor to achieve financialindependence by providing access,
information and education
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Retirement
Children/Education
Cost of Living/Housing
WHY invest?
Investing is the most effective way
to build your personal wealth and
reach your financial goals!
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WHY invest?
Inflation measuresthe rise in the cost
of goods; it is the
rate of which the
purchasing power
of money falls by ifnot investedYear
Purchasing power of Php100 stashed
away in 1970* (not invested)
1970 100
1980 59.87
1990 35.85
2000 21.462009 12.85
I
N
F
L
A
T
I
O
N* Assuming a 5% annual Inflation
Safeguard capital against
INFLATION!
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Invest with Long Term Compounding
Compounding is theact of reinvesting yourprofit to furtherincrease your profitsover time. Companiescan compound theirgrowth by reinvesting
their profits into thebusiness.
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Why invest in the stock market?
The Stock Marketis the placewhere you can invest in publicly
owned or PSE listed companies.
You invest into a company toparticipate in its ability to grow and
earn profits
You make money through:
Price Appreciation
Earning Dividends
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Stock Market Superior Track Record
History has proven thatinvesting in quality stocks
can provide greater
returns than most
instruments; giving a good
run over inflation
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HOW MUCH can I invest?*
*These are only suggested percentages based on investors capacity to take on risk; as a rule of thumb,
younger investors can take more risk given that they may have a longer period to withstand volatility
Aggressive
Method 2:
Compute 100-Age = Max % of Savings that
can be invested
Ex. If I am 35 years old then I can invest up to65% of my savings into the Stock Market
Conservative Method 1:
Up to 20% of Savings may be invested into
the Stock Market
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Stock Market Investing Simplified:PESO COST AVERAGING!
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6
5
4
3
Peso Cost Averaging is a personal wealth-building
strategy that involves investing a fixed amount ofmoney at regular intervals over a long period
Month 3
Buy Php5,000 worth of stock ABC atmarket price
Month 2
Buy Php5,000 worth of stock ABC atmarket price
Month 1
Buy Php5,000 worth of stock ABC atmarket price
Designed to reduce market risk by stretching out the
purchase of stocks over time, buying more when pricesare low and buying less when it is high, effectively
keeping your average cost low
Peso Cost Averaging
1 2 3 4 5 6 7 8 9Month
Ave Cost
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Sample Cost Averaging ActivityDate of Stock
Purchase
Amount of Stock
Purchase (Php)
Price per Share # of Shares* Ave Cost per
share
1-Jun-08 5,000 10 500 10.00
1-Jul-08 5,000 11.75 426 10.80
1-Aug-08 5,000 11.5 435 11.03
1-Sep-08 5,000 11 455 11.021-Oct-08 5,000 10 500 10.80
1-Nov-08 5,000 9 556 10.45
1-Dec-08 5,000 7.5 667 9.90
1-Jan-09 5,000 8 625 9.61
1-Feb-09 5,000 9 556 9.54
1-Mar-09 5,000 9.1 549 9.49
1-Apr-09 5,000 9.5 526 9.49
1-May-09 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 costremains low
Peso Cost Averaging
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Peso Cost AveragingLest 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
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2-yr Cost Averaging plan to BUY Php15,000of Ayala Land every quarter
Peso Cost Averaging Sample
10.001,000 SHARES
6.602,000 SHARES
Total Shares: 3,000Ave. Cost: 7.73
6.502,000 SHARES
Total Shares: 5,000Ave. Cost: 7.24
10.251,400 SHARES
Total Shares: 9,400Ave. Cost: 7.74
10.501,400 SHARES
Total Shares: 10,800Ave. Cost: 8.10
6.402,000 SHARES
Total Shares: 7,000Ave. Cost: 7.00
9.401,000 SHARES
Total Shares: 8,000Ave. Cost: 7.30
2 Year Result: TOTAL INVESTMENT: Php 87,450TOTAL PORTFOLIO VALUE: Php 148,500 (+70%)
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PSE BOARD LOT TABLE
PRICE RANGE BOARD LOT
0.001 to 0.005 1,000,000
0.0055 to 0.01 1,000,000
0.011 to 0.05 100,000
0.0525 to 0.10 100,000
0.105 to 0.25 10,000
0.26 to 1.00 10,000
1.02 to 2.50 1,000
2.55 to 5.00 1,000
5.10 to 10.00 1,000
10.25 to 25.00 100
25.50 to 100.00 100
101.00 to 250.00 10
252.50 to 500.00 10
505.00 and upward 10
PSE BOARD LOT SYSTEM- Minimum amount of shares that can be bought
determined by a stocks market price
- To buy more, you can only buy along the board
lot increments (i.e. a board lot of 1,000 would
allow you to by 1000, 2000, 3000 etc, but not
1500 shares as the 500 is called an odd lot)
Buying on PSE Minimum Lots
Ayala Lands 2-yr Price Range
Php5.00 P14.00
Board Lot Size:
1.02-10.00 = 1,000 shares
10.25-100.00 = 100 shares
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A viable long term plan
Cost Averaging
Stock/
Indicator
Effective
Annual Yield
Time
Frame
TEL 18.88% 18 yrs
BPI 16.92% 18 yrs
AC 11.16% 18 yrs
JFC 10.7% 14 yrs
Inflation 5.7% 18 yrs
Retire with an Extra 10 Million!
Invest Monthly Php5,000
# Years 21
Return Rate 16.9%
Total Investment (P) 1,260,000
Will result in a
Future Value (P) Php10M+
Investment Gain 740%
Share price history from 1990 to 2007
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The COLEasy Investment Program
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Introducing COLs EIPThe COL Easy Investment Program is the latest service from
CitisecOnline which makes it easier for our customers to
apply the method of peso-cost-averaging.
Features
Premium Stock List have access to our research and
premium growth stock recommendations
EIP Portfolio have access to your EIP positions
anytime and track their performance
Schedule Calendar plan out your purchases over
time by building a continuing calendar of orders that
will prompt you through Email reminders
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Allow us to Recommend some Stocks
We filter looking for good stocks by
looking for GEMSS
Growing industry
Earnings visibility/predictabilityManagement credibility
Superior products or services
Strong balance sheet
Our Premium Growth Stocks:
Ayala Land Inc (ALI)
Bank of Phil Islands (BPI) Jollibee (JFC)
PLDT (TEL)
SM Prime Holdings (SMPH)
Manila Water (MWC)
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COL EIP: Investing made easy
Benef
its
No need to "time" the market
Helps you save with only a minimal amount
You can manage your risk over time (as
against lump sum investing) You partner with dynamic corporations that
compound their expansion over time
Your investments are kept liquid and can be
turned back into cash quickly if you need it
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Getting Started with the EIP
E
IPMe
nu
Log in to our website at www.citiseconline.com and access the EIP functions under theTrade/Portfolio Tab
EIP Sub Menu Click to activatethe EIP Sub Menu
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Getting Started with the EIP
AddEIPo
rder
Use the Add EIP Order function to enter a trade order schedule once the details are setthen the scheduler will always alert you two days ahead of a scheduled trade order
EIP Order Scheduler1)Choose you stock
2)Cash Value (amount to be invested)
3)Period (weekly, monthly, quarterly, semi-annual)
4)Start & End Date
5)Click Submit to enter schedule
Or choose your ownCOLs Stock Picks
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Getting Started with the EIP
ViewEIP
Order
You can review your scheduled orders under the View EIP Orders function
Cancel / Change Your scheduled order detailsYour next buy schedule isautomatically determinedbased on your startingdate and period entered
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Getting Started with the EIP
Cxl/Chg
You can review your scheduled orders under the View EIP Orders function
Cancel Option: Change Option:
User can onlychange the CashValue, Period andEnd Date
Enter your password for confirmation
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7000
Getting Started with the EIP
R
eminder
Two days before an EIP order will be activated, an e-mail reminder will be sent to you toremind you about the upcoming order
You have mail!
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Getting Started with the EIP
DayAdvisor
On the day the EIP order becomes active, a message is displayed to the user on the website reminding him/her of the EIP order
The reminder will state the EIP orderdetails and will give the user the optionto enter the EIP order immediately or tocancel the entry of the EIP order.If the user takes no action (buy orcancel), the EIP order will not beprocessed.
AC 7,000
Click to bypass thescheduled order for theinterval
Click to activate the buyorder entry function
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Getting Started with the EIP
EIP
Order
Entry
If the EIP order BUY NOW is clicked on, the order entry window is activated showing theEIP option already chosen along with the pre-calculated board lot and best asked price
*Note:If an EIP order is set off whilethe market is in pre-open,open, or run-off status, theregular order entry window isactivated. If set off while the market isclosed, the off-hours or ATOorder entry is activated.An EIP order entered usingthe ATO order entry facilitywill need the manual entry ofvolume and price.All EIP orders are still subjectto matching (it may not beautomatically filled)
EIP Option*Values are automatically filledbased on EIP Data but can bemodified by user
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Getting Started with the EIP
EIPPort
folio
The user can track the performance of the EIP records through the EIP Portfolio* page
AC Quarterly 7,000 8/6/2008 11/7/2008 20 301.17 305 76.60
No of EIPshares
AverageBuying Price CurrentPrice
YourGain/Loss
*Note:Your EIP Portfolio shows thatpart of your regular portfoliothat has been purchased forthe EIP
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305.0000 301.1650 20 20 20 76.60 1.28% 6,100.00
6,100.00
76.60 1.28%
21,988.53
Getting Started with the EIP
Portfo
lio
The regular Portfolio page* will now have an added field to display the # of EIP shares
Total Shares*Note:The user can sell their EIP shares anytime by using thesell order box and clicking on the EIP term button; anorder to sell your regular portfolio may flow over to theEIP portfolio if your order exceeds those bought in theregular portfolio
No of EIP shares
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Getting Started with our EIP
4steps
Open an Account
Decide on yourinvestment amount
and frequency
Choose dynamiccompanies to investin
Schedule and followyour purchases over
time
1
2
3
4
Fill up the
application form
Provide 2 copies
of valid ID
Provide copy of
billing statement
Fund account:
COL EIP - P5,000
Open an
Account
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THANK YOU!
To learn more about COLs Easy Investment Program, visit our
website at www.citiseconline.com or watch our EIP walkthrough
video at http://www.citiseconline.com.ph/NewEIP/EIPVideo.asp
For inquiries: Call our customer hotline at 6-333-777 or email at
Also attend our free Investing in the Stock Market Today
introductory seminar held weekly
http://www.citiseconline.com.ph/NewEIP/EIPVideo.asphttp://www.citiseconline.com.ph/NewEIP/EIPVideo.asp