Solutions to your deepest Investing Problems

Stock investing is the best investment vehicle of accumulating more wealth. For new and experienced investors here are the Solutions to your deepest Investing problems. 

Solutions to your deepest Investing Problems
Solutions to your deepest Investing Problems

Please note that I am talking to readers who are already invested. If you can understand the terms below, go ahead. If you are a beginner in the stock market, read this article first “Stock Market Investment made easy”. I hope that after reading this post, you will apply the solutions in your investing.

Here we go, the solutions to your deepest investing problems:

Problem 1: I’m not getting the GAINS I’m expecting.

Solution: Constantly adjust your stock’s average price to be below or near the buy below price. In that case, you are sure of getting bigger gains in the future.

For Buy Below prices, refer on this list “Stock Pick”

How will you constantly adjust your stock’s average price? You need to always add funds on your buying power to buy more shares when the opportunity comes. Meaning, deposit a small amount of money regularly. Probably after pay day.

Problem 2: I keep on thinking of my portfolio even if I’m at work.

Solution: Divert your thoughts. Think of investing but don’t focus on your portfolio. Think and rethink why did you want to invest in the first place. Gather your thoughts and make plans on how you achieve the reason why you invest. Remember that you need to focus on your work because without it you don’t have money to save and invest.

Finally, calm yourself by just sharing your investing thoughts and ideas to family and friends. Or by making comments on financial literacy facebook pages.

Problem 3: I’ve seen a lot of stock recommendations and tempted to follow them.

Solution: You are not alone. Me also, when I see how they comment on facebook pages it seems like they know everything. Here’s the best thing to do, shrugged of the idea, smile and tell to yourself “I know what I’m doing”!

Always focus only on where you get your recommendations. If you want to be guided on your investing decisions, you might want to consider becoming a Truly Rich Club member. I am a member and it’s nice.

Problem 4: I get frustrated seeing my portfolio turning Green to Red then back and forth.

Solution: Let me divide the solution into 2 parts. First part is if you have Buying Power. If you have buying power, looking at your portfolio becoming red is a good opportunity. Because our basic rule is always the same, Buy Low and Sell High. The second part is if you don’t have buying power. If you don’t have buying power, look at your portfolio once a day. When the market is already close at 3:30 in the afternoon, this is best time to check your portfolio.

Remind yourself that these everyday noise of Green and Red and back and forth are important but not necessarily should affect you as an investor. Focus on the future, be long-term minded investor.

Problem 5: I always don’t have enough money or buying power in my portfolio

Solution: 3 days before your salary will come. List down your expenses and always include savings and investment in your list! And when the money comes, deposit it right away. Make it a habit. Slowly but surely.


In other words, I am just encouraging you that these problems are normal and can be tamed by your constant learning. Investing should give you peace of mind and not worries.

After all, we all want and hold on that beautiful promise that one day, yes one day. You and me will be Multi-Millionaires!

As always, keep on learning and earning soon!

Tutorial: How To Average Down

So, you bought your first stock and see a Red portfolio. Don’t panic, it’s normal for most first time investors. Allow me to share a very interesting strategy called How To Average Down.

First, let us define few terms:

Portfolio % = If you own 1 stock it appears 100% ownership on your portfolio. If you own 2 or more stocks, the portfolio % ownership will be equally divided depending on the amount of capital for each stock.

Market Price = The actual stock prices of the stocks you own.

Average Price = This is computed in relation to the stock prices and amount of money for each stock. This is the most important part of this article. And this is where we will focus today.

Total Shares = Your ownership of the company. You have to believe that you are a part-owner of the company once you own a share of their stock, even if you only have the minimum share.

Uncommitted shares = On the event that you sell your share and nobody accept your offer, the shares become uncommitted for the meantime.

Market Value = The total money on each stock plus your gain or minus your loss is your market value.

Gain/Loss = The money you gain or loss as per your capital on each stock.

%Gain/Loss = The percentage equivalent in relation to your capital on each stock.

How To Average Down
How To Average Down

Now that we know the basic terms, let’s go direct to our topic How To Average Down.

Buy the same stock with at least the same shares and at least the same price.

Okay, here’s a clearer view:

Buy No. 1 = 2000 shares at 8.00 pesos per share, average price 8.02
Buy No. 2 = 1000 shares at 7.50 pesos per share, average price 7.85
Buy No. 3 = 500 shares at 7.04 pesos per share, average price 7.74
Buy No. 4 = 500 shares at 7.10 pesos per share, average price 7.67

***The example above is from my personal and actual transaction for CHP.

Important Notes about this Average Down strategy:

  • You need to set aside a small amount of capital to average down.
  • You need to be vigilant of the stocks price after your first purchase.
  • There is no exact time gap on when to execute your next purchase. When the price goes down, buy!
  • The lower your average price, the higher your GAIN!
  • Don’t listen too much on facebook comments instead focus on your own portfolio.
  • This strategy needs time and experience to execute.

P.S. The Average Down strategy is very effective for long-term investment only.

Tutorial: Choosing a Stock Entry Point

In stock investing this is one of the basic skills that you need to master, choosing a stock entry point!

choosing a stock entry point
choosing a stock entry point

You can learn this skill from many stock gurus but learning it on yourself is your best option. Choosing a stock entry point is not difficult as you might think.

For this tutorial let us take a look at CEBU PACIFIC, CEB stock. It is very important to choose the stock or stocks you want to buy before taking action.

For beginners, focus only on 1 stock. Don’t get distracted with other stocks and how they are performing.

So, here we go:

Tutorial: Choosing a Stock Entry Point

  • Check the stock’s 52-week Low and High prices. For our example, here’ s the details we need for our entry point:

As of May 8, 2017 03:20 PM

Last Trade Price:
Previous Close:

May 05, 2017
down 0.30
P/E Ratio:
down 0.28%
52 week High:
Avg. Price:
52 week Low:

These details are available at

Take note directly on the 52week High: 125.50 and 52week Low:85.50.

Base on these Ceiling and Bottom prices we will choose on our next entry point. And most especially we want to buy when its price comes nearest to the 52week Low if possible.


  • Set a Buy Below Price. The Buy Below Price is like our maximum price limit when buying CEB. Also it means, when the share prices goes higher than our Buy Below price, we will not Buy anymore. Be disciplined. How to set a Buy Below Price? In COL Financial, the Buy Below Price of CEB is 90. And in Truly Rich Club the Buy Below of CEB is 98.20.


  • Check the Current Price. This is our last step in choosing a stock entry point. Make sure you have a clear picture of how CEB is performing yesterday, today and it’s possibilities on the following days. As of this writing, the current price of CEB is 106.60. Which automatically makes that price over and beyond the Buy Below Price, right? Meaning, you cannot buy shares of CEB at this time.

So, what was really the entry point price of CEB? It should be below the Buy Below Price and Below the 52-week High!

I was able to buy CEB at 93.15 pesos per share last February 27, 2017. 

In conclusion:

Choosing a stock entry point means you don’t have an exact price as an entry point! But rather, you have guidelines to follow. As mentioned above, Check the stock’s 52-week Low and High prices and Set a Buy Below Price. With these two simple guidelines I assure you that you will have a better GAIN on your portfolio.

And as of this writing, my CEB has 14.24% GAIN! and growing.

As always, keep on learning and earning soon! Happy Investing!

Sell in May and Go Away

Have you heard this well-known proverb Sell in May and Go Away?

Well, I’m here to tell you it’s not always the case. But first of all let us try to understand Where and How this proverb ‘Sell in May and Go Away’ came to be. And what really Investors like you and me will do in May.

Sell in May and go away
Sell in May and go away


The phrase sell in May and go away is likely a take on an old English saying, “Sell in May and go away, and come on back on St. Leger’s Day.” This phrase refers to the custom of aristocrats, merchants and bankers who liked to leave the city of London and go to the country to escape the heat during the summer months. St. Leger’s Day refers to the St. Leger’s Stakes, a thoroughbred horse race in mid-September and the last leg of the British Triple Crown.

American traders who are likely to spend more time on vacation between Memorial Day and Labor Day mimic this trend and have adopted the phrase as an investing adage. However, the numbers also support this bit of folk wisdom.

Read more:

That’s the short history about the proverb, sell in May and go away.

So, here we go… What you and me really have to do in May? Allow me to suggest 3 concrete steps:

    1. Buy with caution
      It means buy additional shares of your stocks this month of May. But with caution means, you should check our Buy Below prices before buying. Always buy stocks that are equal of below our Buy Below prices. No excuses.That is to maximize your growth potential in the future. What we mean is, the lower you buy the stock prices the higher the potential of gains you will have in the future.Because we are long term investors.


  • Sell on target price
    Most of the time at around halfway of the year stock prices reached their peak or target prices. This is your opportunity to sell a portion or all your shares to lock down your profit.Why sell when there is a potential for stock prices to go higher? Because nobody knows how high the prices can go, that is why discipline is very important. We need to follow our target price. See our target prices in Stock Pick page.When the target price is reached sell a portion or all shares, period.



  • Add more money
    This is the heart of investing. Add more money to your portfolio. Whatever the case maybe, whether the stock market gains or losses always add more money to your portfolio.The bigger the capital the higher the gains!Of course, how would your money grow if you don’t add your capital, right? That is why continue to perform well in your daily job. When you receive your salary, always set aside a small amount for savings and investment.Add more money regularly to have A better portfolio for a better life!


That’s it! Sell in May and go away! And as always, keep on learning and earning soon!

I wish you all the best in your stock market investment!

Happy Investing!

Stock Watchlist

Choosing the best stock among the many in the Philippine Stock Exchange is a daunting task. That’s why we need to ask, search and research carefully. Sorting a Stock Watchlist is a genius way to do it.

Stock Watchlist

The importance of having a Stock Watchlist:

For new and seasoned investors, having a stock watchlist is a must. This is a list of your favorite, liked and admired companies. You sort all of them so you won’t forget them. You want that when you check their details it is available in one place.

  • Complete details in one place – Loving more than one stock is normal as an investor. Especially when you continue to discover new companies from time to time. In a watchlist, you will have all the details for your chosen stocks. Which makes your life a bit easier.
  • Easy to manage – Not a techie? No problem, managing your stock watchlist is as easy as A, B and C. When you want to add a stock, simply type its stock code on the text box then click Add. To delete a stock, simply type its stock code on the text box then click Delete. To empty your stock watchlist, simply click Delete All.
  • You can focus on what’s important – This is a life hack, instead of memorizing and worrying the details for each stock. Why not put all of them in a watchlist. That way, you can focus on what’s important.

Steps on how to create a Stock Watchlist?

  1. Login to your COL Financial account.
  2. Click Quotes menu then click Watch List.
  3. Now start organizing your Watch List.

In conclusion, as an investor always find ways to better your experience. Keep on learning new things and new ways to enhance your trading style. One of which is to practice having a stock watchlist.

I hope you learn something new today and as always, keep on learning and earning soon!

10 Best Tips for Future Investors

Are you reading a lot of articles about Investing? And still find yourself not starting yet?

Don’t worry, I was once an excited Investor like you. In fact, it took me 2 years to finally start Investing in the stock market (Watch my investing story short video, HERE).

10 Best Tips for Future Investors

That’s why today, let me share 10 Best Tips for Future Investors like you. I promise you, this is from my personal and close friends experiences.

Here we go:

1. Set Long Term Goals

How long really is a long term goal? For future successful investor like you, I would suggest at least 2 years.

In 2 years, you will have enough time to evaluate a stock you are holding on. The company also has enough time to prove whether they are growing or not. More importantly, within 2 years you will know more your feelings towards the company. So, 2 years is the minimum holding period of the stock that you will buy.

2. Understand your Risk Tolerance

This is very important. Each person has difference risk tolerance. To measure your personal risk tolerance, try to buy a product and check until where you are willing to pay for it. For example, a T-shirt that costs 3,000.00 pesos might be cheaper to some and expensive to most people.

In other words, be aware of your inner self. Listen and decide accordingly. Nobody has the full responsibilities of your actions and decisions but yourself. Most especially in your future stock market investments where it involves money that you earned through hard-work.

Please know yourself and be careful.

3. Control Your Emotions

Because money is involve in your future investment, it is very possible you become emotional. When you see your portfolio becomes red, the possibilities are you will feel bad about your investment. It happened to me, believe me. It is very hard to control your emotions in the beginning, especially if you see your money losses its value.

So, the best way to control your emotions is to educate yourself. Read more blogs, posts and articles about your future plans in investing. Watch videos or join free webinars about stock investing.

When your mind is full of knowledge, it can control your emotions.

4. Know the Basics First

What are these basics that you need to know first? Importantly:

  • How to open an account to a stock broker.
  • What are the requirements in opening an account.
  • How much money as an initial capital is needed.
  • Whom you will ask guidance and advice.
  • Are you really serious or just curious about this investing in the stock market.

Once this very basic questions are answered, immediately do the next steps to start your investment.

5. Apply what you know, not what you read

Assuming you already know the basics and the necessary steps to start your stock market investment, apply them right away. Why not follow what you read? Because, sometimes the writer or author have a different experience than you. You can use the items you are reading as a guide but decide according to your knowledge.

Meaning, do not stop learning. Keep on asking questions and find out the answers. Go out of your comfort zones, comment on Facebook group chats and discussions about stock investing.

6. Know the stocks and love them before buying

By now, at this point I believe you have idea already on what are the stocks you wanted to be in your portfolio. To mention some:

Bank and Financials

  • BDO – Banco de Oro
  • BPI – Bank of the Philippine Islands
  • MBT – Metrobank

Commercial and Industrial

  • CEB – Cebu Air Inc.
  • ABS – ABS CBN Broadcasting Corporation
  • GMA7 – GMA Network Inc.


  • AC – Ayala Corporation
  • GTCAP – GT Capital Holdings
  • SM – SM Investments Corporation


  • DNL – D & L Industries Inc.
  • PGOLD – PureGold Price Club Inc.
  • URC – Universal Robina Corporation


  • EDC – PNOC Energy Devt Corp
  • FGEN – First Gen Corp
  • MER – Manila Electric Company

Tips on deciding which stocks to choose buying in the future:

Do you have a bank account on any of the banks? Then be a share holder, buy stocks of that bank.

What TV station you love watching? Then be a share holder, buy stocks of that TV station.

In other words, buy stocks that you are personally or any of your friends and families are connected to.

Good luck on your choices in the future.

7. Investing is Boring

Yes, you read that right! Investing is boring… When you finally start your investment don’t think that your 5,000.00 pesos this week will become 1 million next week, ha ha! That’s an unbelievable example. Anyway, the point is, it takes time, time and time to grow your money. But, the good news is, it will ‘surely’ grow!

Perhaps forget the fast growth and focus on sure growth. Meaning, the money will surely grow  in the coming years!


8. Perform well in your daily job

This is very important. Don’t think that when you start investing you are already safe and all you have to do is wait till you reach your first Million pesos.

Nope! Instead, do the same things everyday. Perform well in your daily job and add a small amount of money regularly to your investment.


9. Only listen to those you know and trust

Of course, that includes me 🙂

You can check our ‘stock pick’ on this blog. These stock picks are a sure winner because they are big companies! They will not be closed or bankrupt for the next 10-20 years.

You can also become a member of the Truly Rich Club where members are guided regularly on how to invest successfully.
10. Start Now

This is an action tip! Nothing happens when you only keep on reading. You’ve already read a lot! You are afraid you might fail? Don’t worry, failure teaches you lessons. You are afraid you will loss money? I hope not. But its okay. They said, you need to pay for your education. But don’t get discourage, continue to ask, read and act.

Together, let us invest because this is the safest and slowly way to earn our first Million pesos.

As always, keep on learning and earning soon!

A Better Portfolio for a Better Life!


Disclaimer: These 10 Best Tips for future investors article is not responsible for any loss you may encounter in your stock market investing. Kindly do your due diligence in studying the stocks that you are buying and selling. Thank you.