COL Easy Investment Program

Learn to build wealth the easy way in the Stock Market

CitisecOnline.com who we are
CitisecOnline is the leading and fastest-
growing online stockbrokerage firm in the
Philippine Stock Exchange handling about
20% of its number of trades.
CitisecOnline is the largest capitalized
stockbroker with over half a Billion Pesos in
resources, COL is publicly listed in Philippine
Stock Exchange & is also member of the
Hong Kong Exchange
CitisecOnline is committed to empowering
the Filipino investor to achieve financial
independence by providing access,
information and education
Retirement
Children/
Education
Cost of Living/
Housing
WHY invest?
Investing is the most effective way
to build your personal wealth and
reach your financial goals!
WHY invest?
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
Year
Purchasing power of Php100 stashed
away in 1970* (not invested)
1970 100
1980 59.87
1990 35.85
2000 21.46
2009 12.85
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* Assuming a 5% annual Inflation
Safeguard capital against
INFLATION!
Invest with Long Term Compounding
Compounding is the
act of reinvesting your
profit to further
increase your profits
over time. Companies
can compound their
growth by reinvesting
their profits into the
business.
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
History has proven that
investing in quality stocks
can provide greater
returns than most
instruments; giving a good
run over inflation
HOW MUCH can I invest?*
*These are only suggested percentages based on investors capacity to take on risk; as a rule of thumb,
younger investors can take more risk given that they may have a longer period to withstand volatility
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Method 2:
Compute 100-Age = Max % of Savings that
can be invested
Ex. If I am 35 years old then I can invest up to
65% of my savings into the Stock Market
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Method 1:
Up to 20% of Savings may be invested into
the Stock Market
Stock Market Investing Simplified:
PESO COST AVERAGING!
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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 3
Buy Php5,000 worth of stock ABC at
market price
Month 2
Buy Php5,000 worth of stock ABC at
market price
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 low
Peso Cost Averaging
1 2 3 4 5 6 7 8 9
Month
Ave Cost
Sample Cost Averaging Activity
Date of Stock
Purchase
Amount of Stock
Purchase (Php)
Price per Share # of Shares* Ave Cost per
share
1-Jun-08 5,000 10 500
10.00
1-Jul-08 5,000 11.75 426
10.80
1-Aug-08 5,000 11.5 435
11.03
1-Sep-08 5,000 11 455
11.02
1-Oct-08 5,000 10 500
10.80
1-Nov-08 5,000 9 556
10.45
1-Dec-08 5,000 7.5 667
9.90
1-Jan-09 5,000 8 625
9.61
1-Feb-09 5,000 9 556
9.54
1-Mar-09 5,000 9.1 549
9.49
1-Apr-09 5,000 9.5 526
9.49
1-May-09 5,000 10 500
9.53
*You buy less shares when prices are high and more
shares when it is low (subject to board lot regulations)
Your
average cost
remains low
Peso Cost Averaging
Peso Cost Averaging
Lest assume you invest Php5,000 a month over a year in two market scenarios
Total Investment = P60,000
Market Value = P80,650 (+34%)
Cost Per Share = P20.83
Total Investment = P60,000
Market Value = P75,281 (+25%)
Cost Per Share = P12.75
2-yr Cost Averaging plan to BUY Php15,000
of Ayala Land every quarter
Peso Cost Averaging Sample
10.00
1,000 SHARES
6.60
2,000 SHARES
Total Shares: 3,000
Ave. Cost: 7.73
6.50
2,000 SHARES
Total Shares: 5,000
Ave. Cost: 7.24
10.25
1,400 SHARES
Total Shares: 9,400
Ave. Cost: 7.74
10.50
1,400 SHARES
Total Shares: 10,800
Ave. Cost: 8.10
6.40
2,000 SHARES
Total Shares: 7,000
Ave. Cost: 7.00
9.40
1,000 SHARES
Total Shares: 8,000
Ave. Cost: 7.30
2 Year Result: TOTAL INVESTMENT: Php 87,450
TOTAL PORTFOLIO VALUE: Php 148,500 (+70%)
PSE BOARD LOT TABLE
PRICE RANGE BOARD LOT
0.001 to 0.005 1,000,000
0.0055 to 0.01 1,000,000
0.011 to 0.05 100,000
0.0525 to 0.10 100,000
0.105 to 0.25 10,000
0.26 to 1.00 10,000
1.02 to 2.50 1,000
2.55 to 5.00 1,000
5.10 to 10.00 1,000
10.25 to 25.00 100
25.50 to 100.00 100
101.00 to 250.00 10
252.50 to 500.00 10
505.00 and upward 10
PSE BOARD LOT SYSTEM
- Minimum amount of shares that can be bought
determined by a stocks market price
- To buy more, you can only buy along the board
lot increments (i.e. a board lot of 1,000 would
allow you to by 1000, 2000, 3000 etc, but not
1500 shares as the 500 is called an odd lot)
Buying on PSE Minimum Lots
Ayala Lands 2-yr Price Range
Php5.00 P14.00
Board Lot Size:
1.02-10.00 = 1,000 shares
10.25-100.00 = 100 shares
A viable long term plan
Cost Averaging
Stock/
Indicator
Effective
Annual Yield
Time
Frame
TEL 18.88% 18 yrs
BPI 16.92% 18 yrs
AC 11.16% 18 yrs
JFC 10.7% 14 yrs
Inflation 5.7% 18 yrs
Retire with an Extra 10 Million!
Invest Monthly Php5,000
# 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
The COL
Easy Investment Program
Introducing COLs EIP
The COL Easy Investment Program is the latest service from
CitisecOnline 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
EIP Portfolio have access to your EIP 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
We filter looking for good stocks by
looking for GEMSS
Growing industry
Earnings visibility/predictability
Management credibility
Superior products or services
Strong balance sheet
Our Premium Growth Stocks:
Ayala Land Inc (ALI)
Bank of Phil Islands (BPI)
Jollibee (JFC)
PLDT (TEL)
SM Prime Holdings (SMPH)
Manila Water (MWC)
COL EIP: Investing made easy
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No need to "time" the market
Helps you save with only a minimal amount
You can manage your risk over time (as
against lump sum investing)
You partner with dynamic corporations that
compound their expansion over time
Your investments are kept liquid and can be
turned back into cash quickly if you need it
Getting Started with the EIP
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Log in to our website at www.citiseconline.comand access the EIP functions under the
Trade/Portfolio Tab
EIP Sub Menu
Click to activate
the EIP Sub Menu
Getting Started with the EIP
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Use the Add EIP Order function to enter a trade order schedule once the details are set
then the scheduler will always alert you two days ahead of a scheduled trade order
EIP Order Scheduler
1)Choose you stock
2)Cash Value (amount to be invested)
3)Period (weekly, monthly, quarterly, semi-annual)
4)Start & End Date
5)Click Submit to enter schedule
Or choose your own
COLs Stock Picks
Getting Started with the EIP
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Cancel / Change
Your scheduled order details
Your next buy schedule is
automatically determined
based on your starting
date and period entered
Getting Started with the EIP
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You can review your scheduled orders under the View EIP Orders function
Cancel Option: Change Option:
User can only
change the Cash
Value, Period and
End Date
Enter your password for confirmation
7000
Getting Started with the EIP
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Two days before an EIP order will be activated, an e-mail reminder will be sent to you to
remind you about the upcoming order
You have mail!
Getting Started with the EIP
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On the day the EIP order becomes active, a message is displayed to the user on the web
site reminding him/her of the EIP order
The reminder will state the EIP order
details and will give the user the option
to enter the EIP order immediately or to
cancel the entry of the EIP order.
If the user takes no action (buy or
cancel), the EIP order will not be
processed.
AC 7,000
Click to bypass the
scheduled order for the
interval
Click to activate the buy
order entry function
Getting Started with the EIP
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If the EIP order BUY NOW is clicked on, the order entry window is activated showing the
EIP option already chosen along with the pre-calculated board lot and best asked price
*Note:
If an EIP order is set off while
the market is in pre-open,
open, or run-off status, the
regular order entry window is
activated.
If set off while the market is
closed, the off-hours or ATO
order entry is activated.
An EIP order entered using
the ATO order entry facility
will need the manual entry of
volume and price.
All EIP orders are still subject
to matching (it may not be
automatically filled)
EIP Option*
Values are automatically filled
based on EIP Data but can be
modified by user
Getting Started with the EIP
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The user can track the performance of the EIP records through the EIP Portfolio* page
AC Quarterly 7,000 8/6/2008 11/7/2008 20 301.17 305 76.60
No of EIP
shares
Average
Buying Price
Current
Price
Your
Gain/Loss
*Note:
Your EIP Portfolio shows that
part of your regular portfolio
that has been purchased for
the EIP
305.0000 301.1650 20 20 20 76.60 1.28% 6,100.00
6,100.00
76.60 1.28%
21,988.53
Getting Started with the EIP
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The regular Portfolio page* will now have an added field to display the # of EIP shares
Total Shares
*Note:
The user can sell their EIP shares anytime by using the
sell order box and clicking on the EIP term button; an
order to sell your regular portfolio may flow over to the
EIP portfolio if your order exceeds those bought in the
regular portfolio
No of EIP shares
Getting Started with our EIP
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Open an Account
Decide on your
investment amount
and frequency
Choose dynamic
companies to invest
in
Schedule and follow
your purchases over
time
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Fill up the
application form
Provide 2 copies
of valid ID
Provide copy of
billing statement
Fund account:
COL EIP - P5,000
Open an
Account
THANK YOU!
To learn more about COLs Easy Investment Program, visit our
website at www.citiseconline.com or watch our EIP walkthrough
video at http://www.citiseconline.com.ph/NewEIP/EIPVideo.asp
For inquiries: Call our customer hotline at 6-333-777 or email at
helpdesk@citiseconline.com
Also attend our free Investing in the Stock Market Today
introductory seminar held weekly