Financial Lemonade v2

22/11/2019
Financial Lemonade
Refresh your wellbeing thru managing
personal finance
Bigote Trading
Financial Advocacy Copyright (c) 2019 by Bigote Trading 1
This material is dedicated to

Jenna, Max and Chip.
-Your Daddy Pig
Copyright (c) 2019 by Bigote Trading 2
2
22/11/2019
New perspective
The goal is to
promote wellbeing,
as opposed to achieving
financial freedom, or being rich,
or being wealthy.
Bigote Trading Personal Finance Model
If you operate yourself as

a business, you should
have a business model.
Copyright ©2019 by Traders Lemonade Group

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22/11/2019
are your
YOU best asset
Your wellbeing is of utmost importance
As a human being, you have to satisfy the

needs and wants that promote your
wellbeing.
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22/11/2019
While not in all cases, most of your needs

and wants will necessitate that you
spend money.
Limited Resource Maximum Satisfaction
Two realities that you have to live with:

1) There is limit to the amount of money that you can
spend
2) You would want to satisfy as many needs and
wants, as often as you can
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22/11/2019
Therefore, your goal is to satisfy the maximum

amount of your needs and wants with the limited
amount of money that you can spend.
Ensure you have

enough funding
The key is of needs and wants you
intend to satisfy
managing your
personal finance
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22/11/2019
Needs Provision follows

&
Wants purpose, so define first
your needs and wants.
Life Aspects:
-Family & friends
-Health & fitness It is helpful to think in
-Job & career
-Leisure & recreation
terms of the aspects of
-God & ministry your life that you need to
-Money & finance work on
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Overlap some Health &

Fitness Job &
Life Aspects so
Career
you can save Family &
Friends Leisure &
money in Recreations
funding the God &

Ministry
need/wants.
Be creative and
Money
practical. &
Finance
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22/11/2019
Identify Activities/Items of Expenditures

Utilities & bills
Food, Graduate Start a
Couple dates/ Sports/ School
Shelter, business
Play dates workouts
Clothing
Occasions – Birthdays,
Anniversary, Health & Regular Dr. Job &
Christmas, Fitness Checkups
Career
Recitals / Recognition Family &
Day/ School Day Friends Arts &
Crafts
Leisure & Educational
God & Recreations Pampering Fund
Sunday Service Insurance
Ministry
OPEX/CAPEX Money Emergency
Support Vacation/ &
Fund
Missionary/
Volunteer Tithe Travels Finance
Retirement
Fund
Real Estate &
Financial Investments
13
Life Tips
 Make sure Basic Needs
are covered first.
 What you plan to do

during retirement – Do it
now! (e.g., travel while
you are young)
 Vacation is a must at
least once a year.
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22/11/2019
fund
Prepare a
allocation plan
that would provide funding
for your identified
activities/items of
expenditures
(OK, this is the same as a Budget) Copyright (c) 2019 by Bigote Trading 15
15
Before anything else, expect and prepare

for financially challenging events:
1. Establish in the present:

 Protect yourself and your family,
get life, health and property
insurance
 Establish an Emergency Fund
2. Build for the future:

 Set aside for your children's education
 Build your retirement fund
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The amount of money that you can spend will

depend on:
 what you currently have in terms of your savings
and investments
 what you can borrow
 what you can earn
17
The easiest way to earn money is to
take on a job.
This is you working for money.
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22/11/2019
Have the right attitude

towards work. It is a
blessing rather than
slavery.
19
Maximize
 Get promoted at work
 Acquire skills and competencies
 Transfer to a better paying job
or change career
 Get part-time job
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Savings is a must.
Force yourself to save.

Automatically save at least
20% of your monthly
income.
21
Time tested savings tips:

 Don't spend more than what you
earn
 Expenses = Earnings less Savings,
rather than Savings =Earnings less
Copyright (c) Expenses
2019 by Bigote Trading 22
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22/11/2019
Save to invest. Put up

Assets that can earn
you money.
Make money work for

you.
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Two ways to earn from investments:

1. fruits, e.g., interests, rentals,
dividends , profits
2. capital appreciation, increase in
value of the investment over time.
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The thing about

borrowing is that you
have to pay it back,
oftentimes with interest.
So borrow to invest.

25
There's a bad debt, there's a good

debt. Cost-benefit analysis is key.
Example:
 monthly amortization of housing
loan is comparable to a monthly
rent.
Bigote Trading Personal Finance Model  business profits is more than
Copyright ©2019 by Traders Lemonade Group interest payment of loan.
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22/11/2019
Types of Investments:
1. Financial Investment
a) Debt (bonds, Tbills)
b) Equity (Shares of Stocks)
2. Property Investment
a) Real Property
b) Personal property
27
Stock Market – Readily Available Investment Vehicle
PSEI
Y2007 – 2,900
Y2019 – 7,700
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Timing is Key in the Stock Market
Up
Trend
Sideways
Up
Trend Sideways
Up
Trend
Sideways Sideways Down
Trend
Down
Sideways Trend
Down
Trend
The Stock Market moves in Cycles
29
For Retail Investors, there is a need to time the market
PSEI
Y2007 – 2,900
Y2019 – 7,700
While stock go up over time, retail traders are faced with

two realities:
1. Who’s got the money? (Timing of cash flows)
2. Who’s got the time? (Investment horizon)
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22/11/2019
Passive Investing – ETFS,Mutual Funds,UITFs

1. Look for a fund that mimics the PSEi
2. Deploy funds in the following manner based on MA crossovers of PSEi:
MA50<MA200 MA20>MA50>MA200 MA20<MA50>MA200
MA5/MA200 = 10% MA5/MA50 = 10%

MA5/MA35 = 20%
MA5/MA100 = 40% MA5/MA35 = 40%
MA5/MA50 = 40% MA5/MA20 = 40% MA5/MA20 = 40%
MA5/MA20 = 10% MA5/MA10 = 10%

MA5/MA10 = 40%
31
Phil. Funds vs. PSEi – YTD Performance
Philequity BPI Equity PSE Index Firstmetro Exchange

Fund Index Fund Trade Fund
32
22/11/2019
More funding
to satisfy more
needs and
wants.
Increased
Earnings =
Increased Copyright ©2019 by Traders Lemonade Group
Spending
Power
33

Increase your financial IQ – take control of managing

your finances from spending to investing.
34
22/11/2019
The Bigote Trading

Financial Advocacy
Trading/Investing can be
learned thru trading
Increase your education:
financial IQ = 1. Stock market

2. Unit Investment Trust
Funds (UITFs) and
Mutual Funds
35
Let us help each other

The Bigote Trading Follow and Subscribe:
Financial Advocacy
Passive Investing and
Active Trading:
1. Stock market
2. Unit Investment Trust
Funds (UITFs) and
Mutual Funds
36
22/11/2019
Ultimately Bigote Trading Personal Finance Model

We all want a happy family.
Being rich and financially independent do

not automatically guarantee happiness for
us, but it helps us fund the activities and
things that strengthen the bond between
husband and wife, our children, and people
close to our hearts.
The goal has always been pursuit of

happiness, the pursuit of money is just
incidental.
Remember always, PURPOSE FIRST,

provisions follow.
Commit to the Lord whatever you do and your

plans will succeed. –Proverbs 16:3 Copyright ©2019 by Traders Lemonade Group
37
DISCLAIMER
I (the man behind Bigote) make no representation that the information contained
in this material are accurate, reliable, complete, or appropriate for use as basis of
investment decisions.
The information contained herein are intended for informational and educational
purposes only and should not be regarded as recommendation.
I shall have no liability in any way to you or any other entity for any loss or damage,
direct or indirect arising from the use of the information contained herein.
38
22/11/2019
Copyright
All rights reserved.
The Bigote Trading Personal Finance Model and Life Aspects are subject
to copyright owned by the Traders Lemonade Group and Bigote Trading.
The materials may be reproduced, distributed, or transmitted in any form

or by any means, including photocopying, recording or other electronic or
mechanical methods provided the owners of the copyright are duly
credited, and by no means the materials will be part of materials for
sale without the express consent of Traders Lemonade Group and its
principals.
39

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22/11/2019

This material is dedicated to

-Your Daddy Pig

Copyright (c) 2019 by Bigote Trading 2

Copyright (c) 2019 by Bigote Trading 3

Bigote Trading Personal Finance Model

If you operate yourself as

Copyright ©2019 by Traders Lemonade Group

Copyright (c) 2019 by Bigote Trading 5

As a human being, you have to satisfy the

While not in all cases, most of your needs

Limited Resource Maximum Satisfaction

Two realities that you have to live with:

Therefore, your goal is to satisfy the maximum

Copyright (c) 2019 by Bigote Trading 9

Ensure you have

Needs Provision follows

Overlap some Health &

funding the God &

Identify Activities/Items of Expenditures

 What you plan to do

Copyright (c) 2019 by Bigote Trading 14

Before anything else, expect and prepare

1. Establish in the present:

2. Build for the future:

The amount of money that you can spend will

The easiest way to earn money is to

Have the right attitude

Force yourself to save.

Time tested savings tips:

Save to invest. Put up

Make money work for

Two ways to earn from investments:

The thing about

Bigote Trading Personal Finance Model

There's a bad debt, there's a good

Copyright (c) 2019 by Bigote Trading 27

Stock Market – Readily Available Investment Vehicle

Copyright (c) 2019 by Bigote Trading 28

Timing is Key in the Stock Market

For Retail Investors, there is a need to time the market

While stock go up over time, retail traders are faced with

Passive Investing – ETFS,Mutual Funds,UITFs

MA5/MA200 = 10% MA5/MA50 = 10%

MA5/MA50 = 40% MA5/MA20 = 40% MA5/MA20 = 40%

MA5/MA20 = 10% MA5/MA10 = 10%

Copyright (c) 2019 by Bigote Trading 31

Phil. Funds vs. PSEi – YTD Performance

Philequity BPI Equity PSE Index Firstmetro Exchange

Copyright (c) 2019 by Bigote Trading 32

Bigote Trading Personal Finance Model

Bigote Trading Personal Finance Model

Increase your financial IQ – take control of managing

The Bigote Trading

financial IQ = 1. Stock market

Copyright (c) 2019 by Bigote Trading 35

Let us help each other

Copyright (c) 2019 by Bigote Trading 36

Ultimately Bigote Trading Personal Finance Model

Being rich and financially independent do

The goal has always been pursuit of

Remember always, PURPOSE FIRST,

Commit to the Lord whatever you do and your

Copyright (c) 2019 by Bigote Trading 38