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Investing in Stock Market

From Pesos and Sense Episode

Episode 3 Insurance

Insurance is important for securityreasons.

Example: If you die and you have realproperty left before your heir can have it

you must pay for the 20% Estate Tax.

Estate Tax is a tax on the right of thedeceased person to transmit his/her

estate to his/her lawful heirs and

beneficiaries at the time of death.

Legal Question: what will happen when

the testator failed to pay the Estate Taxbut he executed power of attorney in the

distribution of his property to his heir.

VUL- variable unit linked is a type oflife insurance that builds a cash value. is

a type oflife insurance that builds a cash

value.

The 'variable' component in the namerefers to this ability to invest in separateaccounts whose values varythey vary

because they are invested in stock and/or

bond markets. The 'universal' componentin the name refers to the flexibility the

owner has in making premium

payments.

Insurance+Mutual fund = VUL

Understanding Technical Analysis

Study of Movement Analysis

Bulliiish Market- A bull market isassociated with increasing investor

confidence, and increased investing in

anticipation of future price increases

(capital gains). A bullish trend in the

stock market often begins before the

general economy shows clear signs of

recovery.

Bearish Market- A bear market is ageneral decline in the stock market over

a period of time. It is a transition from

high investor optimism to widespreadinvestor fear and pessimism.

Cost-Averaging Investment- which is

simply investing equal monetaryamounts regularly on a particular stock

over a period of time.

Questions?

1. Does EIP Program needs to closelymonitor the stock market at all times?

Note: intention to reduce market risks.

2. Can I join Cost averaging and at thesame time another way of investing

which I monitor my own stock.

3. Can I change the amount of my

investment anytime? Example I sign upfor regular investment every month forthe amount of P2,000 but I have extra

earning on one particular month can I

increase my regular investment on thatmonth and on the following month back

to P2,000.

http://en.wikipedia.org/wiki/Life_insurancehttp://en.wikipedia.org/wiki/Life_insurancehttp://en.wikipedia.org/wiki/Capital_gainhttp://en.wikipedia.org/wiki/Life_insurancehttp://en.wikipedia.org/wiki/Life_insurancehttp://en.wikipedia.org/wiki/Capital_gain

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Ninos income investments!

Steph Account emergency fundinvestment.

Proverbs 21:20 says, The wiseman saves for the future but the

foolish man spends whatever he

gets

To Place an Off-Hours Order

1. Log-in to your account at

CitisecOnline.com

2. Click on the Trade/Portfolio tab

3. Click on the Off Hours Order

section

4. Enter your order details: Stock Code,

# of shares to buy, and price, etc

5. Click the Preview Order button

6. Review your off-hour order details

7. Enter your password

8. Click Place Buy Order button

5 envelopes.First Envelop: Tithe Fund BDO Account: Expense Fund Ninos Account: Emergency Fund Steph Account: Savings

Personal : Retirement Fund.

Real Value and Perceived Value.Real value means the cost of thestorehow much are thechocolates and tables. Perceivedvalue means how much arepeople willing to buy it. Perceivedvalue is based on potential

Trading is buying stocks and sellingthem within a day ora few days.

Investing is buying stocks and

selling them in six monthsor never!

Money Cost Averaging.Less than P5000.00 pesos

investingALI Ayala LandBPI- Bank of the Philippine IslandMWC- Manila Water Co. Inc.