Presents Investing in the Stock Market Today. Presented by: Juan G. Barredo Vice President CitisecOnline.com Inc.
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1 Presents Investing in the Stock Market Today Presented by: Juan G. Barredo Vice President CitisecOnline.com Inc.
2 Introduction Outline Wealth Building through Stock Market Investment How to Pick Good Stocks Fundamental Analysis Methods of Investing Peso Cost Averaging Technical Analysis Getting Started with Online Trading COL: About us Established in 1999, CitisecOnline (COL) is the leading innovator in online stock trading in the Philippines Management team is composed of professionals in the financial and IT industries Driven by our core competency in research, investor education and technology Capitalized at over half a Billion Pesos and a Member of PSE & HKE COL publicly listed in the PSE in 06
3 Part One Wealth Building through Stock Market Investment
4 I need to secure my future! I start working for money to build my nest egg However my goal is for money to one day work for me Retirement Dream House Children/ Education
5 Why Invest? Savings Is the gradual acquisition and safekeeping of wealth Rewards: Low Risk: Very Low (only Inflation) Investments Provides the avenue for wealth to grow more meaningfully Rewards: High Risks: Low to Very High Interest Rates (91-day T-Bill)
6 The Stock Market What is it? The stock market is the place where you can invest in other peoples publicly listed companies. A company sells shares of stock through an Initial Public Offering (IPO) to raise capital to grow their business You invest into a company to participate in its growth through: a) Price Appreciation b)dividends
7 What Stock Markets Offer Capital Appreciation the ability for a stocks price to increase in value as driven by business prospects Dividends company returns wealth back to shareholders (distributes some profits either through cash or added shares) Cash Dividend Money given back to the investor as his share of distributed profits Ex. A Cash div of 20 /share: if I had 1000 shares, I would get P200. Stock price will adjust by dividend value This is taxed at 10% Stock Dividend Additional shares given to the shareholder Ex. Stock div of 20%: if I had 1000 shares, I would get an 200 additional shares Share price will adjust down by: price / 1.2 Choice to cash in is yours Dividend Dates Ex-Date the cut off point for dividend entitlement is a day before this date (you must be a shareholder as of the day previous to this date) Date Payable the day when the dividend is given to shareholder (usually a month after the Ex-date)
8 What Stock Markets Offer History has proven that investing in quality stocks can provide greater returns than most instruments; giving a good run over inflation
9 Part Two How to Pick Good Stocks
10 Task # 1: Know Prices Actual Value the real value to which a stock can be said to be worth, it is commonly stated as Fair Value or Target Price studied through Fundamental Analysis Market Value that value determined by market forces (demand and supply), and is also commonly known as the Market Price reviewed through Technical Analysis Ticker Tape
11 Task # 2: Know some Fundamentals Fundamental Analysis Is a technique that attempts to determine a security s value by focusing on underlying factors that affect a company s actual business and its future prospects. We buy quality stocks today for what we believe it will be worth tomorrow! Remember: What you don t know you don t touch!
12 Task # 3: Do a Top Down Review Is the Economy growing? A technique that attempts to determine a company s value by focusing on underlying factors that affect its business, earnings and prospects What Industry seems attractive? Are there enough investments and potential moving in on these sectors? Money must be moving in, not out What are the best Stocks in that industry? Pick out the top performing stocks in terms of valuation, earnings growth, prospects and market participation
13 Task # 3: Do a Top Down Review Economic View GDP 5.10% 5.50% 7.10% 3.80% 0.9% T-Bills (IRates) 6.4% 4.89% 3.4% 5.40% 4.2% Inflation 6.9% 5.0% 2.8% 9.3% 3.4% Forex (P-$) Industry View Turnaround Growth Maturing Consolidating Earnings and performance stabilizes Profits and business opportunity rise attractively Profits and business opportunity slow or are capped Profits and business opportunity deteriorate or lose Invest Here
14 Task # 3: Do a Top Down Review Industry : Property Industry : Banks Banks Non-Performing Loans % (NPL)
15 Task # 4: Know a Company s Prospects Company Analysis Look for companies that show: The Ability to Grow Earnings = Look for strong or increasing profitability; watch earnings per share (EPS= income / # of shares) PROFITS Good or Cheap Valuations = Look for good stocks whose Market Value is notably lower or discounted to its Actual (Fair) Value Good Story = Look for new buzz, solid products/services or catalysts for growth
16 Company Analysis Task # 5: Choose the Best Stock ABC P5.25 Stock XYZ P Recurring Earnings (Bil) (Growth) 7% 15% 23% 43% 39% 15% EPS * 0.125* (EPS Growth) 21% 14% 22% 22.2% 13% 0.5% Proj. Fair Value 07 P16.50 (214%) P2.10 (81%) * Sold new shares (dilution)
17 Company Analysis Task # 5: Choose the Best A B C (19%) 8.54 (37%) SUMMARY Positive impact to price: 1. Growth in Income/Value 2. Prospective Story for business expansion 3. Potential Buyout 4. Worthy Dividends X Y Z (9.0%) 1.53 (20%) Negative impact to price: 1. Slowing Growth or a loss 2. No Story, no dividends, no nothing 3. Too much debt 4. Inefficiency / poor relative performance
18 Part Three Methods of Investing
19 Popular Techniques How to Invest in Stocks Peso Cost Averaging A Gradual Buy and Hold Strategy Make steady and fixed Peso investments through time on good companies Market Timing Trading through Technical Analysis Time market swings to provide short term entry and exit strategies
20 Method #1: Cost Averaging What is Peso Cost Averaging? Peso Cost Averaging is a personal wealth-building strategy that involves investing a fixed amount of money at regular intervals over a long period Buying stocks over time reduces volatility risk in the market Invest what you can at your own pace
21 How it works Method #1: Cost Averaging Month 1 Buy P5,000 worth of stock ABC at market price Month 2 Buy P5,000 worth of stock ABC at market price Month 3 Buy P5,000 worth of stock ABC at market price Buy fewer shares when prices are higher 3 Ave Cost Buy more shares when prices are lower P5,000 will buy less shares here P5,000 will buy more shares here
22 How it works Method #1: Cost Averaging Month 1 Buy P5,000 worth of stock ABC at market price Month 2 Buy P5,000 worth of stock ABC at market price Month 3 Buy P5,000 worth of stock ABC at market price Ave Cost per Share Month You get buy more shares when prices are low, less when prices are high!
23 Method #1: Cost Averaging Peso Cost Averaging down the road Stock/ Indicator Effective Annual Yield Time Frame Retire with an Extra 10 Million! TEL 18.88% 18 yrs Invest Monthly Php5,000 BPI 16.92% 18 yrs AC 11.16% 18 yrs JFC 10.7% 14 yrs Inflation 5.7% 18 yrs # 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
24 Method #2: Market Timing Technical Analysis Technical Analysis is the study of market action (or market price) by reviewing price charts for the purpose of forecasting future price trends. Price Action Study Charts Spot Trends Aim: Watch and Follow market direction Technique: Buy into Up Trends; Sell into Down Trends thereby limiting risk
25 Method #2: Market Timing How to Read Graphs and Trends? Ayala Land Inc ( ) Stock: A B 3 Trends: Up Trends higher lows and higher highs tracked by an up trendline Down Trends lower highs and lower lows tracked by a down trendline Consolidations sideways shifts
26 Method #2: Market Timing Markets swing in Cycles: BULL and BEAR
27 Getting Started with Online Trading Part Four
28 In the Palm of your Hands Getting Started CitisecOnline provides: Direct execution and Off Hours Order Placement Live quotes and market statistics Live portfolio monitoring Research studies and Seminars Charting tools 24/7 online service Customer Service Best commission rates
29 In the Palm of your Hands Research COL EIP Investing made easy For the Busybody, No need to time markets Allow us to help pick good stocks Take advantage of technology ALI, TEL, SMPH, BPI, JFC, MWC Open an Account Fill up application form Provide 1- valid copy of a Gov t issued ID Provide copy of billing statement (for nonpersonal appearance) Fund account: COL EIP - P5,000 Trading - P25,000
30 What have we Learned? Summary 1. The Building of Wealth 2. The Stock Market Option 3. Understanding Price 4. Choose Fundamentally Good Stocks 5. Cost Averaging or Time Markets through Technical Analysis 6. Power up with Online Trading Knowledge born from actual experience is the answer to why one profits; lack of it is the reason one loses - Gerald M. Loeb
31 Thank you and have great day! To learn more about our COL Easy Investment Program or know more about our services and seminars please visit our website at For inquiries: call our customer hotline at or us at
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