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Jun 30, 2016

Jun 16, 2016

Investing 101: Investment Types and How They Work For You

This article is first published at http://blog.pawnhero.ph/investing-101-investment-types-and-how-they-work-for-you/

There was a time when Filipinos viewed investing as something that was only for the wealthy. Buying stocks, trading, or buying and selling were activities thought of as something only the foreign nationals living here did. In recent times, however, more Filipinos have become more open to investing. PawnHero looks at different kinds of investments and how you can maximize what you get from them.

Filipinos took great pride in these investments because now they can call themselves entrepreneurs and business owners instead of just being plain workers. Many years after, small investments became the name of the game with the arrival of multi-level marketing companies.

Networking and Investing

Popularly known as “networking,” this type of investment enticed young people, as well as those who were easily lured by the promise of easy cash and significant returns. Alas, only a handful do succeed, and many feel that they have just thrown away the money they invested.

Truth be told, the world of investment does not operate in such a simplistic way. If you really want to learn how to invest, take a look at these investment types and see which one is best suited for you.

Let’s break them down into three main categories namely ownership type, lending, and cash equivalents.


Ownership investments are things that you buy as an asset, which are kept with an expectation that they will increase in value. This is the broadest investment category because it includes investing in different things for profit or resale purposes.
  • Stocks – Filipinos are becoming more interested in trading in the stock market. Ordinary folks are now buying stocks from large companies, and trading and selling them for profit. You don’t need a big investment to start here, as even a few thousand pesos will do. This is the reason why even college students are able to try investing in stocks. You also don’t have to be very knowledgeable about it since there are financial advisers whom you can turn to for advice.
  • Real Estate – This is for people with large sums of money to spend. Buying land, houses and lots, or condo units is a lucrative trade, but you would need a large capital for it. Also, you must be very patient because selling pieces of property takes longer than say, jewelry or appliances.
  • Precious metals, Art, Collectibles – You may not realize it, but the “buy and sell” business falls under this category too. Some people buy jewelry and sell them at a markup, well this is like that but on a couple of levels higher. Gold, silver, diamonds and precious art are bought and sold to interest parties. Investment is also big here, but very rewarding.
  • Business – Opening a company selling a product or service is always a good way to invest.

Lending Investments

Lending Investments is also a good way to earn returns, and you won’t have to wait that long to get your money back. This is a low-risk and low-reward investment that includes bonds, certificates of deposits, and other types of loans.

Here, the investment is purely cash, and there are no items or physical products that are bought or sold. Because of the lack of something physical that needs to be maintained, the expenses with this type of investment are negligible. Just be careful of who you lend to and make sure that you protect yourself.

Cash Equivalents

Cash equivalent investments are also low risk and little return. These include treasury bills, bank notes, corporate commercial papers, and more money market instruments. One important thing to note is that this is actually a relatively secure type of investment especially if you go for those backed by the government. Not a lot of people go into this kind of investment here in the Philippines though.

Filipinos would rather go with ownership and lending investments because they can immediately see, or at least project, how much they will be making. While the little return might put you off, it’s certainly higher than what most banks offer. This makes for a great alternative to a purely passive savings account.

As with any investment, there are highs and lows. In case you need extra cash to top up your capital for your online store or food business, don’t hesitate to check out PawnHero, the first online pawnshop in the Philippines. They accept appliances, gadgets, and other items allowing you to meet your short-term cash necessities right at the comfort of your home!


PawnHero – the 1st online pawnshop in Southeast Asia, will solve this problem of expensive credit and interest rates. We provide an easy, fair and convenient way of overcoming short-term cash needs. This is a completely new way of doing business in the industry, truly revolutionary, created by genuine visionaries.

Jun 2, 2016

Singapore condo search made easy with Key Location

Getting the perfect home for your family is an important task of our life. Singapore is a big city and has tens and thousands of rental listings to choose from. There are over 1000 condos out for renting in more than 25 neighborhoods surrounding the city. Many websites are there who present you a huge list of listings to choose from which makes things confusing at most times. This is where Key Location stands apart from the crowd enabling users to zero in on their dream homes. You do not need to spend hundreds of hours trying to locate the apartment that is right for you. You do not have to scourge the tons of neighborhood rental listings. Instead, you can get to choose an apartment that you would like for rent really easily. We offer you an apartment that you need taking into account your unique preferences. So, you can just zero in on the apartment of your choice considering your budget and what you need. Here is a look at how Key Location does things differently to help you find a place you would love staying in.

Offer you Personalized Service
If you are looking for a rental apartment in Singapore, you would love personalized service. We consider many factors before making our decision and Key Location builds its search around them in to streamline your listing for the prefect apartment. Our system uses an interactive map where you can locate your housing without looking up at Google Map again and again.

Choose condos based on commuting time
Key Location offers a search option based on commuting time. We understand that you would need to travel daily to your work or perhaps take your children to their schools. You can input your commute time to your office and search condos that feature within your preferred distance. This saves half the work as there are more than 50,000 apartments for rent right now in Singapore.

Search based on condo facilities
Housing preferences differ across families and individuals. A living space suited for a single occupant may not match the needs of a family. Key Location lets you base your search on the facilities that a condo has to offer. You may look for housings with parks and stroller friendly locations if your family has an infant. But teenagers prefer apartments where they get a chance to practice their basketball skills or chill out at the swimming pool. Whatever may your needs be, you can input your preferences and get fitting results easily.

Track neighborhood amenities 
Education is the main part of your child’s life and Key Location acknowledges the need. All international schools are listed on the interactive map along with nearby condos up for rental. Each condo page on the website also presents the nearest international schools. You can also find links to each school for finding out more.  
With Key Location it is also possible to look up at nearby malls, coffee shops, groceries and other essential services that you can access. Now you do not need to roam the streets trying to find a shop. You just check the map and see which condo provides you with all the amenities you desire. 

Current price trends and information 
Key Location provides you with updated government information to find out the actual renting cost of apartments around Singapore. You can check the price trends and then decide which condo to go for. You can also use the website to create your own favourite list and save it for your convenience. 
If you are at Singapore and trying to locate your rental apartment, make the right choice and go for key Location to find your envisioned home. 

May 6, 2016

Properties the Presidential Candidates’ Money Could Buy

Looking at the 2016 presidential candidates’ personal net worth is a good way to understand how they manage their wealth, and how they might manage the Philippine economy should they get elected

There are only days left before the 2016 presidential elections, yet many voters continue to look for additional information regarding the candidates. While not the be-all-and-end-all in selecting the next national leader, their net worth is a good indicator of how they manage their personal wealth, and how that possibly translates into their ability to lead the growth of the Philippine economy should they get elected.

To that end, we list the individual net worth of Vice President Jejomar Binay, former Interior Secretary Mar Roxas, Davao City Mayor Rodrigo Duterte, and Senators Grace Poe-Llamanzares and Miriam Defensor Santiago based on their latest Statements of Assets, Liabilities, and Net Worth (SALN), and attempt to quantify these by exploring the real estate possibilities that could be afforded by their personal wealth.

Manuel “Mar” Araneta Roxas II

Total Assets: Php283,963,237
Total Liabilities: Php81,882,784
Estimated Net Worth: Php202,080,453

Officially the richest of the 2016 presidential candidates, most of former Department of Interior and Local Government (DILG) Secretary Mar Roxas’ fortune was built from his time as an investment banker in New York, and from being a scion of the Araneta-Roxas family, which has various business interests and landholdings.

Residing in Metro Manila

It would make sense to invest in a home in Metro Manila for someone like Mar Roxas. With finances like his, a home in Pasig is not out of the question, like this six-bedroom, six-bathroom Valle Verde home currently on the market for Php165,000,000.

Investing in the Province of Capiz

Having served as Congressman of the First District of Capiz, an easy assumption to make is that Mar Roxas would be interested in investing in his home province. A net worth such as Roxas’ could accommodate the acquisition of a 3,000-sqm mountain resort in Dumarao, Capiz, 23 times, which is currently valued at Php8,500,000. This property features: family and barkada rooms, dormitories, swimming pools, a grotto, and natural waterfalls.

Buying a Commercial Lot

Roxas previously went by the moniker Mr. Palengke in past political campaigns, and it would be an apt coincidence if he ever decided to invest in a commercial lot to use as a public market. His net worth would easily allow him to acquire such a space in A.S. Fortuna Street in Mandaue City, Cebu (three of them, in fact), which is currently listed for Php53,955,000. The 981-sqm lot is at a prime location, ideal for retail activity.

Mary Grace Sonora Poe-Llamanzares

Total Assets: Php126,955,615
Total Liabilities: Php37,490,796
Estimated Net Worth: Php89,464,819

The youngest candidate, Grace Poe’s SALN actually dropped from her previous ranking, as assets inherited from her late father, movie star Fernando Poe Jr., were removed due to a rule stating such properties should not be declared. Still, she remains the second wealthiest with a fortune comprised of investments and other assets.

Investing in Iloilo

Grace Poe was once an abandoned baby discovered in Iloilo City. Should she ever want to reside in the city, she could do so from a Php16,000,000 three-door apartment near the Jaro Metropolitan Cathedral where she was found by a parish priest. With a total floor area of 402-sqm, the property has three units with five or six bedrooms each, making it an ideal rental investment as well.

Residing in Alabang

It is uncertain what Poe’s next step would be should she not win the presidential elections. If she decides to retire from politics and resume the type of living she had while in the United States, a good investment would be on an American-style home in Portofino in Las Piñas. With four bedrooms, an attic, a two-car garage, and a private inner courtyard, its Php36,246,000 price is well within Poe’s budget.

Investing in Land for Educational or Philanthropic Use

Also known as an educator and philanthropist, Poe could build her legacy as such if she ever decided to forego politics. With her net worth, she can buy a farm lot in Cebu. Currently valued at Php35,000,000, it has an existing rest house and 26,622 sqm of land, which can be dedicated to building an educational facility or remain as a farm where the less fortunate can seek employment.

Miriam Defensor Santiago

Total Assets: Php123,033,539
Total Liabilities: Php50,000,000
Estimated Net Worth: Php73,033,539

Widely recognized for having served in all three branches of the Philippine government (judiciary, executive, and legislative), Miriam Defensor Santiago is arguably the most qualified to hold office in Malacañang. Her fortune has been mostly built on legal and political grounds that has spanned over four decades.

A Residence for Sharing Knowledge

The value of education is evident in Santiago, who has earned degrees from multiple schools. As she is often invited to speak and share her legal and political knowledge in different schools, it would be advantageous for her to own this three-story home in Filinvest 2, which features five bedrooms and six toilets and baths. Listed at Php16,000,000, the home is 10 minutes away from University of the Philippines Diliman, one of Santiago’s alma maters, where she taught law for 10 years.

Investing in Office Space

Santiago’s career has been of pure legal work and local politics. The most ideal real estate investment for her would then be an office space in the event she wants to open another office for her legal practice. One such property that fits her SALN would be a Php43,000,000 office space in the Salcedo Village, Makati. Its floor area of 465 sqm is perfect for a large number of legal professionals.

Expectedly, the incumbent senator may prefer a space with a better proximity to the Philippines’ different national offices, making Manila the ideal locale for most firms. Santiago’s net worth would be enough for a Php36,000,000 office space in Taft Avenue that features a building size of 448 sqm.

Jejomar “Jojo” Cabauatan Binay, Sr.

Total Assets: Php76,301,436
Total Liabilities: Php16,050,453
Estimated Net Worth: Php60,250,983

Despite allegations of corruption and tax evasion, Jejomar Binay is running for the country’s highest office after serving as vice president since 2010. He has the longest tenure in politics among the presidential candidates, and for the most part has amassed his wealth as a career-politician.

A Home in Makati

Having served as Makati’s mayor since the 1980s (although briefly interrupted when his wife won a single term), it is expected that Binay would invest in the city he claims he had the biggest hand in developing. The city’s properties are some of the priciest in the country, and Binay’s entire declared net worth can be spent on just one Makati home, like one in Magallanes Village. Boasting three bedrooms and a land size of 568 sqm, it is currently priced at exactly Php60,000,000.

Commercial Spaces Outside Makati CBD

Anyone with a high net worth should not make the mistake of not investing commercially in Makati. As the country’s foremost financial district, the returns are almost guaranteed for any commercial space. A net worth of Php60 million is more than enough to get a good investment in the city, like a new five-story building in Makati’s Brgy. Tejeros. With a land area of 590 sqm, it can accommodate a number of businesses, and its selling price of Php26,380,200 leaves more of the Binay net worth to invest.

Invest on Island Property

That additional investment could be on an island. As Binay receives much scrutiny and allegations, he may want to consider living on a private island to distance himself from it all. Currently listed on Lamudi is one in Bantayan, Cebu, with a land area of 5,011 sqm and has a selling price of Php25,000,000.

Rodrigo “Rody” Roa Duterte

Total Assets: Php22,971,732
Total Liabilities: Php1,000,000
Estimated Net Worth: Php21,971,732

Another career lawyer and politician, Rodrigo Duterte has served as mayor of Davao City for seven terms (or over 22 years). Known for his hard controversial stance on criminals and modest lifestyle, he is considered the “poorest” of the presidential candidates with his comparatively small net value.

A Larger Home in Davao

Duterte’s supporters have documented how the Davao mayor lives modestly, so one who has served the city for more than two decades may want to invest on a grander home. If he is to invest almost the entire Duterte net value on a home, a five bedroom, five bathroom house and lot is currently listed on Lamudi for Php15,900,000. It has a floor area of 328 sqm, and features a master bedroom with a walk-in closet, and a laundry and service area, among others.

Land for a Possible Rehabilitation Center

Although controversially supportive of the extra-judicial killings of habitual drug users and dealers, Duterte is also acknowledged for having used city government funds to build a Php12 million drug rehabilitation and treatment center, which provides 24-hour services. Should he decide to do this as a private citizen, his net worth would be substantial for the purchase of land in Davao City with the costliest listing on Lamudi being Php15,000,000, and located near Bonifacio with a land area of 913 sqm.


Launched in 2013, Lamudi is a global property portal focusing exclusively on emerging markets. The fast-growing platform is currently available in 34 countries in Asia, the Middle East, Africa and Latin America, with more than 800,000 real estate listings across its global network. The leading real estate marketplace offers sellers, buyers, landlords and renters a secure and easy-to-use platform to find or list properties online. For more information, please visit http://www.lamudi.com.ph

May 1, 2016

Pinoy Investor: What our members say about Pinoy Investor?

Is PinoyInvestor really useful? Is it worth it to upgrade and subscribe to Premium Access?
We’d be biased if we answer these questions ourselves, so we’ll let our members do the talking:

"I just want to thank PinoyInvestor. It has helped me a lot in choosing what stocks to trade. I've been getting bigger returns. Glad I decided to upgrade my subscription after how many months of just getting it for free.” 
- Wilhelm R.

"You guys are awesome! I love reading your articles and will continue doing so forever (or as long as you are publishing)! Happy investing! From your Lifelong Member"
- Ray Z.

"Thanks for all the info you send. Your inputs are very valuable and lessen my fear about the stock market. Keep up the good work, please. You're a great help to your subscribers, me in particular. 'Til next renewal. :)”
- Rhodora T.

These are just some testimonials of actual members who have tried PinoyInvestor's Premium Access subscription.

What do you get as a Premium Access member, you ask?
a. Stock Rankings: Table summarizing Target Prices and Buy, Sell, or Hold recommendations of 80++ stocks!
b. Stock in Focus: Fundamental Analysis reports - including growth opportunities, recommendations, and profit potential!
c. Special Reports: Exclusive reports on upcoming IPOs, Philippine macroeconomic analyses, and how various factors affect the stock market!
d. Technicals Talk: Technical Analysis reports, which include Support, Resistance, chart patterns, recommendations, and short-term price targets!

Free Version members do not have access to all these useful information, so get Premium Access right now to be a smart investor!

Happy smart investing!

Pinoy Investor is the ultimate resource for making smart stock investment decisions in the Philippines! Why? Because it is the country’s most extensive source of stock market research, analyses, and reports – prepared by the Philippines’ top brokerage firms!

The OFW's Guide to Investing in Philippine Stock Market

OFWs are generally leaving their families to find better job opportunities abroad with purpose of helping their loved ones. With their hard-earned money, they open savings account in the bank to earn interest. Others invest in mutual funds and real estate by buying house or condominium unit. However, investing stock market is one option to diversify your investment.
Because investing in stock market involves volatility and offers no guarantee, OFWs are quite reluctant to take the risk. Moreover, because of lack of knowledge, some people find the idea of investing scary and daunting. Therefore, it is important to seek help and advice before you begin your financial journey in the stock market.
Educate yourself before you invest
As newbie investor, the best way to minimize risk and gain potential return in the future is to educate yourself. How? Do research by addressing these sample questions that will guide you along the way.
  • What is my financial goal of investing in stock market?
  • Is the stockbroker accredited or not?
  • Should I go for trading or investing for a long-term?
  • When is the right time to buy and sell stocks?
These questions can be answered by searching Google, watching TV program on financial literacy (ANC on the Money and Peso and Sense are good examples), and finding mentor with investing experience. You cannot afford to lose your money because you didn’t do your part and educate yourself as a future investor. As an investor, it is your responsibility to learn how stock market works.
How to earn in stock market
There are two ways to make money from stock market: dividend and capital appreciation. As stock shareholder of the company you are entitled to receive dividends depending on the performance of the company. Capital appreciation is the rise of price value per stock over time. Some stockbrokers provide online platform where transactions can be done online for clients. As an OFW in Saudi Arabia or Singapore, you will now have opportunity to access your portfolio.
Have an emergency fund 
It is advisable to have emergency fund for at least three to six months worth of your monthly expenses before you invest in stock market. For instance, if your monthly expense is 30,000 pesos you should have at least 90,000-180,000 pesos.  Your emergency fund will protect your stocks from unforeseen need like accidents, health issues, and unexpected expenses. In this case, you do not have to sell your stocks from time to time because you have emergency fund. It will also allow you to continue your current lifestyle without going into debt.
Deal with license firm and broker 
With many fraudulent investment scheme, it is necessary to verify whether the stockbroker you are dealing with is accredited by Philippine Stock Exchange (PSE). A complete list of accredited stock-brokerage company can be found at PSE website. Be sure to transact directly with a legitimate firm or its licensed representative. Before you open account, be cautious about people who are giving you misleading claims and promising high return of investment in short period of time.
Stock investing requires discipline
Stock market investing requires a lot of discipline in the beginning. As an OFW, oftentimes you are obliged to send all the money to your loved ones. However, you need to set aside reasonable amount regularly to buy stocks if you want to grow your money. The stockbroker like COL Financial usually requires a minimum amount of 5,000 pesos as initial fund. Succeeding amount depends on the clients as long as it will not be lowered that 1,000 pesos so that you will not be incurred of bank charges. Investing in stock market will give you opportunity to be cautious on how you spend your money. Discipline and sound spending habits is another key to financial success.
Jun Amparo started blogging since 2015. He loves to write short stories, reflections, and articles about personal finance and investment. He is a financial advocate and also a member of the Truly Rich Club. You can reach him at admin@richlyblessedtoday.com.

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