Easiest way to Invest in Stock Market with BDO EIP

On her twenty-first birthday I want my daughter to start investing in stock market and save for her future. I asked her to personally open an account at BDO Manila (near the place where she stays) because as her father I was told that I can't open one for her because the age limit is 19 .

Why did I choose BDO Easy Investment Program on UITF Equity Fund? It's because the ROI year-to-date interest for this mutual fund is up to 16.04% as of 8th Aug 2014 which is much higher than the 1.5% interest rate you get for money market or time deposit. This is also one of the best mutual funds for the past two years according to research. This UITF invests in blue chip Philippine stocks such as PLDT, BDO, Ayala Land, DMCI, SM, ICT, AGI, PX and SMC. For a small Trust Fee of 1.25% per annum professional BDO fund managers invest for you and free you from the time consuming market analysis. The disadvantage of this is limiting your gains from personal investing in the stock market.

For those of you who have more time ,thirst for risk appetite and want higher gain which depends on your personal skills , you may open an account at www.citiseconline.com (pls see my other blogs about this)

What are the requirements for opening BDO Easy Investment Fund on UITF Equity Fund for students(age 20 and above)?

1. Two valid ID's such as school id , passport or driver's license
2. Two pcs 1x2 photo
3. School Registration Form and Original receipt of Driver's License (If you're not a student, just present any valid IDs)

Hints when filling up the BDO UITF Application Form:

1. Open BDO Peso Equity Fund
2. Choose long term investment with risk appetite(at least 5 years ,the average period when stock market reach maximum gain)
3. Select period of deduction such as monthly
4. Choose minimum deduction such as P1,000 / month (this is the minimum allowed)

When automatic deductions reach P10,000 (in this example ten months) you may go to your branch of account to get your UITF receipt . For those of you who have P10,000 or more investable funds ready, you may widraw this fund and apply for UITF directly at any designated BDO counter. You may claim the UITF certificate after another three (3) more banking days . Keep this UITF certicate in a safe place for fund widrawal later at end of term.

You may also register for online access at www.bdo.com.ph , choose personal banking to do almost all bank transactions online such as view your UITF gains , your fund balance , credit card statements, transfer funds and more.

You also need to register your mobile phone number with them so that they can send the random pin or OTP which you need to use within 5 minutes for online transactions or you may also use personal questions when mobile phone is not available. This made the system secure aside from the username/ password combination.

Why buy MPI

Why do I like MPI?

Metro Pacific Investments or MPI is Manny V. Pangilinan's conglomerate investing in infrastructures such as Tollways , MRT/ LRT, Hospitals (Makati Med) , Meralco  etc. When we talk about MVP , I consider him a Guru , a Pinoy version of Warren Buffet one of the richest man and the best investor in the world. When it comes to his contributions , we saw how he acted during the recent Tacloban typhoon Yolanda tragedy being one of the first to be there to help personally. I believe that the Almighty in heaven bless such act of genuine kindness multiple times over.

So much for the man I idolize , when it comes to his company MPI is one of the best . Metro Pacific Investments Corp. (MPI) recently increased its stake in Manila Electric Corporation (MER). In a filing, MPI purchased 56.34 million shares of MER owned by Beacon Electric Asset Holdings, Inc. for PHP 235.00 per share, same as JG Summit (JGS)’s purchase price, for an aggregate amount of PHP 13.25 billion.

According to Angping & Associate analysis : that the transaction is an accretive acquisition (gradually adding value to Earnings Per Share) for MPI as the purchase price presents a 13.8% discount to our Net Asset Value (NAV) estimate and  Target Price for MER of PHP 290.00 per share.  This type of information and more is only available to Premium subscribers of  PinoyInvestor. That's why for beginners  I advise to subscribe now for as low as P399  a month  , be guided on your investments while learning all the technicalities of stock investing and be sure of your growth  as an investor. They will tell you which company stock(s) to buy at what price , when to sell and at what price to sell  making sure that you'll be a winner in this game called stocks investing.

Do you believe in Sell in May?

Whether there's the truth in "Sell in May and go away", the long term investors are not bothered in any way of the short term downturn in the market . Instead they are happy because they can buy their favorite stocksat bargain prices when the market is down .  Are you for short term or for long term investing ? Tsupitero are short term investors and are here for day trading only and they're looking for fast returns on their money. While real investors are here for long term and are buying their favorite stocks monthly with their allotted savings .  Anyhow both should monitor their investments periodically base on their goals and here's one way to do this - Citisec online  Bullseye tips for the day . Treating your investment as a business will enable yours to grow at a fast pace compare to those who doesn't care about their investments.

COL Bullseye 5May2014


Here you can choose to buy among the green once you verified the trends using  fundamental and technical analysis tools like my favorite MACD  and RSI indicators.

How to Spot the Best Stock that Grows 40 % or Higher

I was a little surprise when I saw that one of my long held stocks SMDC the condo developer arm of the SM group of companies went up to 45% higher than my original price. Although it's not one of those recommended by Citiseconline several weeks ago , I still persists  on my fundamental  analysis based on current valuations of this stock. I bought it at P6 / share around December and hasn't move until recently up to P 9.12. I remember how the famous investor  Mr.Warren Buffet analyze stocks to buy  base on a valuation of 5 yrs consecutive profitability (as seen on Citiseconline Valuation Table) and  buy them when others are afraid.   I also observed how SMDC  has  overrun any other developers in the speed and quality  of their projects execution because we live near where it all happens the "SMDC Light" in the middle of Mandaluyong Central Business District. To cut the story short , just by being observant of what's happening around you and having the fundamental and technical knowledge, one would be able to spot the best stock that grows 40% or higher . Here is how I did the technical analysis of SMDC ...

SMDC_Up_45 %

As soon as I see that the 10 day moving average crosses above the 20 day and above the 100 day MA then the Uptrend started and will continue until  a greater downward force as dictated by market maker or the greater masses pulls it down . The peak may also be determined by MACD 2nd indicator forming a downward arc and or crossing the zero line  with corresponding downward position of OBV (On balance Volume)

As always this is not an advice to buy now- Invest only with extra money and don't put all your eggs in one basket - Keep investing and winning !

Kind rgds,

by Jun dela Cruz

Why RCBC is a Good Buy.

 RCBC posted P 1.53 Billion in Net Income for the 1st Quarter of 2012, P 506 Million or 49.47% higher than the P 1.02 Billion registered during the same period last year .  Annualized Return on Average Equity remained strong at 15.64%. Total Operating Income increased by 28.53% to P 5.61 Billion as Net Interest Income grew by 6.11% or P 156 Million to P 2.7 Billion.


Fundamentals are strong and the basic criteria for a cheap stock called the Price to earnings ratio (P/E) is only
34  compared to an average of  54 to other banking institutions.


Technicals are also bullish as the 8 days moving average cross above the 32 days EMA.  Volume, OBV  and MACD are all pointing up signifying an upward trend.

9May2012_RCBC

Since February I recommend  a buy signal for RCBC at P 30 / share.

Congratulations PSE for the new record :All time High 650000

For four consecutive sessions the Philippine Stock Exchange has breach an all time high of  6500 , a new record for the Philippines proving the strength of our economy and the investors confidence as a whole.
All the newspapers from around the globe is stating the bullishness of the stock market as the year 2013 started, indeed its a prosperous New Year to all.

For those who have bought the right stock earlier a toast is welcome .  Two of my favorites are Metro Pacific Investment  (MPI) of the Manny Pangilinan group and  Henry Sy's  SMDC /SMPH.

SMDC_20Feb2013

With the news about the merger of SMDC with SMPH into one property conglomerate , SMDC stocks soared to as high as 50 % from its previous price of  P 6.00 /share before closing at P 8.85 today. I would like to congratulate all my fellow investors who took this wild ride up gaining one of my best trades so far .

MEG gains 2.82 %

Megaworld  (MEG) gained another 2.82 % today after breaking the previous low of 2.12 and closing at 2.19.

MEG_12Apr2012

Since the beginning of March MEG has been trending up  supported by all technical indicators   MACD, RSI  and volume.

RFM gained 4 %

RFM Foods (RFM)  gained another 4% today 12:00 am and remains  bullish as of said time. As seen on the graph  below:

RFM_20Apr2012_up

All technical indicators from trendline  to volume, RSI, & MACD  show a bullish uptrend .  

ION continues its Gain at 2.05 ; ATS ,PHES lower

ION  gained from 1.7 to 2.3 before closing at 2.05 for a gain of  23 %. This 2 days consecutive uptrend maybe attributed to the 100 % dividend planned for shareholders .

ION_16Mar2012_up

As seen on the graph , volume  and technical indicators  momentum, RSI  &  MACD   are all uptrending and should continue for the next few days until a new resistance is formed .

Likewise the same is true for  ATS  Aboitiz Transport Shipping Company .

ATS_16Mar2012_weekly

As seen on the graph , its price has broken above the 2.1 resistance and shall continue to move higher.

Remember to buy only using 2% of your principal to each one as part of good money managament .
Meanwhile , PHES is starting to trend lower and needs to be sold for a nice gain .

ACE gained more to P11.5 per share, PHES breakout at 0.7

ACE Acesite Hotel  builder of the 1st European indoor  water spa in the Philippines continued its gain from P4 /share since Feb 2  and now at P11.5.

ACE_15Mar2012_up

As seen on the graph all technical indicators  : Simple Moving Average (SMA) , momentum MTM1 and oscillator MACD shows an uptrend and shall continue this trend for now until a stop is decided by the majority of the market makers. 

Meanwhile PHES Phil Estates continue its ascend after breaking the last resistance at 0.7 (this may be seen if you minimize the graph ) and actually broken the top of a Cup and Handle pattern at 0.55 three days ago.

It means a longer uptrend is to be expected for the coming days until the maximum height of the Cup pattern of  approximately 1.01 is achieved.

PHES_15Mar2012_CUP

As always , the trend is our friend if we follow the right strategy . Don't put all your eggs in one basket and be safe .

PHA gains 7.46 % with a Symmetrical Triangle Breakout

PHA_8Mar2012_up

Premiere Horizon Alliance Corp. (PHA) a Hotel and Leisure company engage in IT gaming and video entertainment  made a 7.46 % breakout today after forming a symmetrical triangle formation during the past week.  As seen on the graph , both the momentum MTM1 and MACD supported by volume  gaining the uptrend . It shall continue to move in this direction until a new resistance is formed.

PHES_8Mar2012

Meanwhile Phil Estates (PHES)  gained 5. 8 % from 0.72 to 0.77 before closing at 0.73  .  A doji candlestick was formed  and may mean a reversal although momentum and MACD both point upward . So anybody need to be careful in buying this trend.

Unioil Cup and Handle Breakout 14.29%

As predicted  last week ,Unioil (UNI)  started its ascent  from almost two weeks of  consolidation and made a huge gain yesterday of 14.29 %  from 0.29 to 0.34 before closing at 0.32 .

UNI_1Mar12_Breakout

As seen on the graph . volume ,  momentum MTM1  & MACD histogram  suggest a continuation of the bullish pattern moving up on its 2nd day today .

OPM_1Mar12_Up

Another one that made a comeback is Oriental Petroleum (OPM)   . All indicators : volume ,MTM1 & MACD points to continuing trend today.

Have a safe weekend !

The Case of Cup & Handle Breakout : MHC (37 % Gain)

Mabuhay Holdings Corp (MHI)  is a case of  the Cup and Handle breakout which today gained 37.93 % from  P 0.60 to P 0.80 per share.  As seen from Chart below

MHC_24Feb2012_Breakout

From Feb.8-22 , MHC went down as seen on the graph as the Red  candlesticks while  temporarily on consolidation , the following day Feb 23 a Green candlestick appeared which is followed by the breakout today. One characteristic of  a C&H breakout is the height measured from the top handle to bottom of the Cup is the max. range  which turn out to be about  P1.0 per share.  It's best to buy this just before the breakout following the rule "Buy Low , Sell High"  to maximize your Return on Investment. As previously discussed before , possible scenario may happen again on Unioil and Ever stocks anytime next week .

 As always , it's best to study & plan everything before you enter any trade.

Have a nice weekend !

Taking a Closer Look at IRC (50 % Gain)

I just discovered a  better way to look at rising stocks  while its ongoing  rather than look at a stationary chart . If you select "5 min"  instead of the default "Daily " chart display on top menu of  Citiseconline  technical chart then you'll be able to see better and make an intelligent decision to your entry and exit price.

As shown below is the 5 minute chart of the days topnother IRC Properties with an impressive 50% gain from P1.2 to P 1.8 per share .

IRC_24Feb2012_Breakout

If you notice the price increase slow but steadily above the 12 day Simple Moving Average until it reach the peak of 1.8 where it close. Both the momentum MTM1 and MACD support the bullish signal.

I do not recommend buying the stock at this time but if you do , select a lower price so that you'll have an allowance in case the uptrend  reverses. Or if you bought early target a max of 20 % gain  before selling  to keep your profit in place . Always keep a "Trailing Stop Loss" value when entering a trade , lets say 2 % of your buy price and if the price goes the other way then you always keep your profit intact .

Invest Safely and have fun !

OPM, OV, VUL Sell-off ! CMT, SMDC Rise!

All of the mining companies mentioned above  sold-off today and lost a lot if you were not able to sell in time. These were overextended stocks  that is due for profit taking ;

OV_23Febn2012_Down

OPM_23Feb2012_Down

As shown on the graphs the last  Red Candlestick  engulfs the previous  Green  candlestick  which  signifies  a   downtrend  and  supported by the downward pointing momentum MTM1 but not so obvious with MACD.

On the other hand, some of the Bullish stocks today includes CMT, PHA,  & SMDC.  As shown below CMT has broken its resistance of 1.8 and is on an uptrend , supported by momentum and MACD .

While SMDC continues its slow  but sure uptrend   4 days  in a row as supported by the momentum MTM1 & MACD indicators.

OPM , OV gained higher !

Oriental Petroleum & Mineral  (OPM) gained another 19.23 % from 0.027 to 0.032 before closing at 0.031 per share. The fourth highest gain for the day .

OPM_22Feb2012

Since it already broke above the resistance of 0.029, and with the bullish upward trend shown by the volume, MTM1 & MACD , we expect this trend to continue.

Likewise , Philodrill Corp (OV)an oil, gas and mineral exploration and development company gained another 14.58 % from 0.048 to 0.055. Since it already broke above the resistance of 0.030 the previous day and with the bullish uptrend by Volume, MTM1 & MACD  we expect this trend to continue  until the market maker starts selling , so be cautious .

OV_22Feb2012 

Other stocks on uptrend are EEI, MEG , SMDC .


Have fun investing !

Anatomy of a Breakout: RCM (30.71%), VUL (15.84%)

Republic Cement Corp. (RCM) made an impressive 30.71% gain today  from 6.3 closing at 8.3 per share after consolidating for less than  two months (10 Jan to 21 Feb). As shown in the Graph below:

RCM_22Feb2012_Breakout

The next one is Vulcan Industrial and Mining (VUL) with a gain of 15.84 % from 1.020 to 1.170 per share  after consolidating from 11 Jan to 21 Feb.  On both cases the price stays almost the same throughout the period of  hybernation , momentum MTM 1 occasionally goes a little above the zero line while the MACD stays above the zero line, with histogram a little on the negative and occasionally on positive side. Note that the 32 day Simple Moving Average (SMA) crossed the 12 day SMA on the day of breakout (after temporary separation during consolidation).  The upcoming breakout signal  is shown with a green arrow pointing up on the MACD a week before the event.

VUL_22Feb2012_Breakout

I do not recommend buying such stocks unless there's an increase volume , uptrending momentum MTM1 , & positive MACD bullish signal .

Another Lesson Learned from GEO , NI & BHI

A lot of traders  have been disappointed today after GEO, NI, BHI lost  up to 5 -8 % each.  Today we learned another lesson  " Don't trade Overextended stock".  What is an overextended stock? As explained by Mr Tom Willard   is shown on the picture below:

Overextended_Stock

When the stock price moves too far from the EMA or SMA line and the slope becomes too steep , the stock is said to be Overextended .  And when this happens its too risky to trade and one needs to be very cautious  not to add more to his current trade. If you have stocks like this , its better to sell while its high . A very good example  below is GEO

GEO_overextended

GEO together with BHI , NI , DIZ lost for 2 consecutive days after the profit taking  of the big traders.

Here is another one that lost  BHI .

BHI_Overextended

Remember the Lessons : Be safe & Follow the strategy for  Happy investing !

WIN still a winner with 9.8 % gain on Descending Triangle Pattern!

Wellex Industries (WIN) made a huge gain of  9.8 %  from 4.8 to 5.3 after forming a descending triangle pattern for 1 week which is a reversal pattern  as shown below. Likewise the momentum shows an uptrend.

WIN_16Feb2012_up

Meanwhile ,Ever Gotesco gained 3.45 % today after loosing 9 % the previous day. A doji , a flat candlestick  appeared today at the close and hopefully the start of more gains at the end of the Cup's Handle .

EVER_16Feb2012

Likewise Megaworld (MEG) formed the same Doji and is meant for reversal as shown in the momentum MTM1 and MACD graph  below.

MEG_16Feb2012

Most of the mining companies , GEO, NI, DIZ  lost for the 2nd consecutive day . Only Manila Mining remains unchanged and on uptrend.

Have a safe & happy investing ! Remember don't put all your eggs in one basket and don't overtrade.

Geo gained another 19.1%

Geo Resources (GEO) a small mining company is one of the best performers yesterday  with a gain of 19.1 % , opening at 0.9 and closing at 1.06 per share.

GEO_13Feb2012_up

Looking at the chart , a huge volume 262 M , Momentum MTM1 , & MACD  blue lines on top of orange lines indicate a continuing bullish trend tomorrow.

Another real estate company gaining momentum is Boulevard Holdings Inc. ( BHI) with a 8.49% gain .

It just broke above the 1.0 resistance line and should continue its bullish stance as shown by the volume, MTM1 & MACD  signals all pointing upwards.

Happy Investing !