COL Easy Investment Program

Learn to build wealth the easy way in the Stock Market

COL Financial Group Inc who we are

COL Financial is the leading and fastestgrowing online stockbrokerage firm in the
Philippine Stock Exchange.
COL is committed to helping you build wealth
by giving you access to online tools and
resources needed to make well informed
investments decisions

WHY invest?
Investing is the most effective way
to build your personal wealth and
reach your financial goals!

Retirement
Children/
Education
Cost of Living/
Housing

WHY invest?
Safeguard capital against
INFLATION!

Year

If I could buy an item for Php100

in 1970 - what about today?

1970

100

1980

162

1990

265

2000

432

2010

704

* Assuming a 5% annual Inflation

I
N
F
L
A
T
I
O
N

Inflation measures
the rise in the cost
of goods; it is the
rate of which the
purchasing power
of money falls by if
not invested

Why invest in the stock market?

The Stock Market is the place
where you can invest in publicly
owned or PSE listed companies.
You invest into a company to
participate in its ability to grow and
earn profits

You make money through:

Price Appreciation

Earning Dividends

Stock Market Superior Track Record

Effective Annual Yield

History has proven that

investing in quality stocks
can provide greater
returns than most
instruments; giving a good
run over inflation

(as of Dec 2014)

20.00%

18.82%

18.00%
16.00%

14.77%

14.00%
12.00%
10.00%
8.00%
6.00%
3.48%

4.00%

3.75%

4.62%

1.81%

2.00%
0.00%
PSEi

91-D T-Bill
5-Yr

10-Yr

Inflation

Stock Market Investing Simplified:

PESO COST AVERAGING!

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

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

5
Month 2
Buy Php5,000 worth of stock ABC at
market price

Month 3
Buy Php5,000 worth of stock ABC at
market price

4
Ave Cost per Share

3
1

5
6
Month

You get to
buy more
shares when
prices are
low, less
when prices
are high!

The Emotional Cycle of Investing

ELATED

LOWEST EXPECTED
RETURN

OPTIMISTIC

NERVOUS

OPTIMISTIC

HIGHEST EXPECTED
RETURN

FRIGHTENED

Peso Cost Averaging

Sample Cost Averaging Activity
Date of Stock
Purchase

Amount of Stock
Purchase (Php)

Price per Share

# of Shares*

1-Jun
1-Jul
1-Aug
1-Sep
1-Oct
1-Nov
1-Dec
1-Jan
1-Feb
1-Mar
1-Apr
1-May

5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000
5,000

10
11.75
11.5
11
10
9
7.5
8
9
9.1
9.5
10

500
426
435
455
500
556
667
625
556
549
526
500

*You buy less shares when prices are high and more
shares when it is low (subject to board lot regulations)

Ave Cost per

share

10.00
10.80
11.03
11.02
10.80
10.45
9.90
9.61
9.54
9.49
9.49
9.53

Your
average cost
remains low

Peso Cost Averaging

Lest assume you invest Php5,000 a month over a year in two market scenarios

Total Investment
Market Value
Cost Per Share

= P60,000
= P80,650
= P20.83

(+34%)

Total Investment
Market Value
Cost Per Share

= P60,000
= P75,281
= P12.75

(+25%)

Peso Cost Averaging Sample

2-yr Cost Averaging plan to BUY Php15,000
of Ayala Land every quarter

10.00
1,400 SHARES

6.60

6.50

6.40

9.40

2,200 SHARES

2,300 SHARES

2,300 SHARES

1,500 SHARES

Total Shares: 3,600

Ave. Cost: 7.95

Total Shares: 5,900

Ave. Cost:
7.39

Total Shares: 8,200

Ave. Cost:
7.12

10.25
1,400 SHARES

10.50
1,400 SHARES

14.00
1,000 SHARES

Total Shares: 9,700 Total Shares: 11,100 Total Shares: 12,500 Total Shares: 13,500
Ave. Cost:
8.50
8.13
Ave. Cost:
7.47
Ave. Cost:
7.83 Ave. Cost:

2 Year Result: TOTAL INVESTMENT:

Php 115,340
TOTAL PORTFOLIO VALUE: Php 189,000 (+64%)

The COL
Easy Investment Program

Introducing COLs EIP

The COL Easy Investment Program is the latest service from
COL Financial 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
Portfolio have access to your stock 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

Allow us to Recommend some Stocks

COMPANY NAME

We filter looking for good stocks by

looking for GEMSS

Growing industry
Earnings visibility/predictability
Management credibility
Superior products or services
Strong balance sheet

AC

Ayala Corp

ALI
AP

COMPANY NAME
JFC

Jollibee Foods Corp.

Ayala Land, Inc.

MBT

Metropolitan Bank &

trust

Aboitiz Power Corp.

MPI

Metro Pacific
Investments

MWC

Manila Water
Company

BDO

Banco De Oro

BPI

Bank of Philippine
Islands

RLC

Robinsons Land Corp.

DMC

DMCI Holdings, Inc.

SM

SM Investments, Corp.

EDC

PNOC Energy Devt.

Corp.

SMPH

SM Prime Holdings

FMETF

First Metro Phil.

Equity ETF

TEL

Philippine Long
Distance Telephone
Company

GTCAP

GT Capital Holdings

URC

Universal Robina Corp.

ICT

Intl Container
Terminal Services

Peso Cost Averaging Performance

MARKET VALUE
(as of December 31, 2014)

ALI
BPI
JFC
MWC
SMPH
TEL
AC
AP
BDO
DMC
EDC
ICT
MBT
MPI
SM
URC
RLC
GTCAP
FMETF

Start Date

Total Investment

Current Value

Gross Return

Annualized Return

1-Aug-08
1-Aug-08
1-Aug-08
1-Aug-08
1-Aug-08
1-Aug-08
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Mar-11
1-Aug-08
1-May-12
1-Jan-14

385,000
385,000
385,000
385,000
385,000
385,000
230,000
230,000
230,000
230,000
230,000
230,000
230,000
230,000
230,000
230,000
385,000
160,000
60,000

903,982
690,535
1,118,782
618,036
689,983
539,275
357,878
310,917
379,867
367,089
317,651
369,704
277,028
250,229
315,183
646,393
936,146
231,569
65,051

135%
79%
191%
61%
79%
40%
56%
35%
65%
60%
38%
61%
20%
9%
37%
181%
143%
45%
8%

26.4%
18.0%
33.1%
14.6%
18.0%
10.3%
23.6%
15.8%
27.0%
25.0%
17.0%
25.3%
9.6%
4.3%
16.6%
58.8%
27.5%
29.1%
15.9%

Invest in Mutual Funds

The First Fund Supermarket

in the Philippines
Mutual Funds
Professionally managed funds
that are pooled together and
invested in various asset classes
and held by multiple shareholders
To learn more, attend COLs FREE seminar
Investing in Mutual Funds through Fund Source

One Stop Shop

No Front
End Fees

Access to
Fund Facts

Invest
in
Mutual Funds!
4 Common Types

4 Types
of Funds
of Mutual
Funds

ASSET CLASS

GOAL

Stocks

Long Term Capital

Appreciation

Stocks & Fixed

Income

Capital
Appreciation &
Interest

Bonds
(Corp & Govt)

Short term Govt

Fixed Income

R
I
S
K

Short to Long
Term Interest

Short term
Interest & Capital
Preservation

FUND HOUSES

Benefits

COL EIP: Investing made easy

1. It is simple and easy to do
2. It follows a fixed schedule, so there is no need
to time market entry
3. It allows you to invest gradually over time in
stocks and/or MFs (invest as you earn)
4. You can ride on the success of a number of
growing companies listed in the PSE
5. You can start with as little as Php5,000

Setting-up your EIP

Invest regularly and

consistently over time

GUIDES

Getting Started with the EIP

EIP Quick Guide - .PDF form

Tutorial Videos Youtube

Portfolio

Getting Started with the EIP

Getting Started with our EIP

Open an
Account

4 steps

Open an Account
4

Schedule and follow

your purchases over
time

Decide on your
investment amount
and frequency
3

Choose dynamic
companies to invest
in

Fill up the
application form
Provide 1
Government
Issued ID (with
your photo and
signature)
Fund account:
COL Starter - P5,000

THANK YOU!
To learn more about COLs Easy Investment Program,
Please visit our website at
www.colfinancial.com
or watch our videos at COL Financial Group Inc.
Channel
For inquiries call our customer hotline: 6-515-888 (Mon-Fri 9am-5pm)
or email at helpdesk@colfinancial.com