(If you want a quick guide for beginners how to start investing in the Philippine stock market, you can download your free ebook here.)
If you want to invest in the Philippine Stock Market the easiest yet profitable way, then Easy Investing Program may be answer to the prayer you’re waiting for. It’s equally applicable to experienced and clueless investors. While it’s quite a very passive approach, the returns of this method of investing can equal the gains of a more active trading in the stock market. So if you’ve just started in growing your finances through the stock market, then Easy Investing Program is the best tool for you to start with.
What is EIP?
EIP is launched by Citiseconline last 2008 demonstrating the power of Peso-Cost Averaging Method. You can read more about Money-Cost Averaging Method in this blog – The Easy Way of Investing – Peso Cost Averaging.
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| CitisecOnline’s (COL) Easy Investment Program |
In CitisecOnline terms, Easy Investment Program or EIP is an investment program where investors purchase a basket of good quality stocks on a monthly basis using the peso cost averaging method. For example you set aside Php5,000 per month to buy stocks of the greatest companies present in the stock market .
From the nature of Easy Investment Program, one can see the beauty inherent in this method:
- Anyone can do it! Since timing the market is not important, anyone can leverage on it without so much analysis market timers or active traders normally do. You just buy when it’s buying time and let it grow with time. That’s it! No complexity whatsoever!
- You actually buy more shares when prices are down. Since you do this activity regularly, then it’s automatic that you actually buy more shares when prices are down, allowing them to achieve higher returns when prices start recover!
Easy Investment Program is definitely one great service CitiseOnline offers to its clients. Part of their comprehensive services is a list of stocks they consider to be a good pick for the method. And the nice thing about this EIP list is that it pretty worked well in growing the money of those who are disciplined enough to follow the method.
Look at below performance of the EIP Portfolio showing the good returns it had for the past year:
EIP Portfolio Return
Stock | StartDate | End Date | Period | Gross Return | Annualized Return |
ALI | 1-Jan-11 | 31-Mar-12 | 15 | 31% | 48.30% |
BPI | 1-Jan-11 | 31-Mar-12 | 15 | 33% | 50.80% |
JFC | 1-Jan-11 | 31-Mar-12 | 15 | 37% | 56.60% |
MWC | 1-Jan-11 | 31-Mar-12 | 15 | 26% | 39.30% |
SMPH | 1-Jan-11 | 31-Mar-12 | 15 | 41% | 63.80% |
TEL | 1-Jan-11 | 31-Mar-12 | 15 | 20% | 30.80% |
AC | 1-Mar-11 | 31-Mar-12 | 13 | 30% | 55.00% |
AP | 1-Mar-11 | 31-Mar-12 | 13 | 16% | 29.10% |
BDO | 1-Mar-11 | 31-Mar-12 | 13 | 20% | 35.00% |
DMC | 1-Mar-11 | 31-Mar-12 | 13 | 36% | 66.90% |
EDC | 1-Mar-11 | 31-Mar-12 | 13 | 1% | 1.00% |
ICT | 1-Mar-11 | 31-Mar-12 | 13 | 33% | 59.50% |
MBT | 1-Mar-11 | 31-Mar-12 | 13 | 27% | 49.70% |
MPI | 1-Mar-11 | 31-Mar-12 | 13 | 23% | 41.10% |
SM | 1-Mar-11 | 31-Mar-12 | 13 | 22% | 39.80% |
URC | 1-Mar-11 | 31-Mar-12 | 13 | 52% | 96.90% |
Portfolio | 1-Jan-11 | 31-Mar-12 | 15 | 28% | 47.50% |
Imagine, if you’ve just followed their EIP list, then you would have enjoyed growing your money effortlessly in the Philippine Stock Market with these spectacular returns.
You don’t need to study the market and spend so much time analyzing anything but just leverage on the expertise of their research analysts.
Now that’s actually one secret of the rich – leveraging on the skills and expertise of experts in doing their thing.
These experts are closely watching the stock market every single trading day. Some even have spent their lifetime just watching how this market moves. So it’s a very bright idea to forget our own immature analysis and grab these researches they give to their clients for free!
Can you catch-up?
Now the question is this: “Do you think you can catch-up given this fantastic performance?”
Well, these same researchers also say that the stock market will continue its uptrend in the long-term. After all, we’re in a booming Philippine Stock Market!
Here’s what they have to say:
“Rather than avoid the market, investors should view any correction positively and prepare mentally to buy stocks once they become cheap. We believe that the challenges facing the Philippine economy and stock market are only temporary. The long term outlook remains attractive due to 1.) the country’s resilient consumer sector, driven by favorable demographics, the continuous growth in OFW remittances and the BPO sector; 2.) the favorable outlook for investment spending given numerous investment opportunities and the healthy banking system; and 3.) the favorable outlook for government spending given plans to launch private public partnership projects and the government’s improving budget position. The said factors should ensure continuous growth in the economy and corporate earnings. Low interest rates should also be favorable for the stock market as investors continue to turn to riskier assets to generate higher returns.”
More fun in the Philippines indeed!
Do not be left behind! Make your money work hard for you!
Have fun investing!
PS: If you’re just a newbie investing in the Philippine Stock Market and want constant guidance to your investments, you can take advantage of the Truly Rich Club. Get regular stock updates plus a mountain load of materials for your financial freedom! Here’s a review of the club and its great exciting freebies for you– Truly Rich Club Review.
PS2: Still for beginners, (or for those old investors who want to share the beauty of investing to their clueless friends), get your free copy of the book – Investing in the Philippine Stock Market for Beginners.
It’s the perfect quick-starting guide for beginners who want to make their money work harder for them! Share them to your friends as well.
Do you want to receive STOCK PICKS and other lessons on money management & business ideas?
Check out Truly Rich Club and receive 14 incredible gifts for FREE, including the opportunity to earn passive income every month!Click here to learn more.
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Omeng Tawid, good day. Ive been reading a lot this past few months and i learned a lot already. I would like to start colfinancial’s eip program for 5k a month.
In your opinion, how long is it better to keep buying every month? They say, the longer, the better, right? I plan to keep on buying every month for 20 years through diversification to be safe.
So, that means I will be selling it after 20 years? Will i be gaining on this?
Kristian, that depends if you will have a working strategy. If you stick to good giant companies you believe will still be present and earning consistently in the next twenty years, there’s a good chance you’ll be gaining by buying monthly.
selling time also always depends up to you.
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Thanks for the replies…I'm on my way now…
Jay de Jorge 5k is just the starting, it's all up to you how much you'll add in your next investments.
the example you see is just to show the potential return of EIP if you stick to it, meaning if you buy woth 5k for 12 months.
EIP entails discipline if you want to get full advantage of it.
but you have the option to follow it or not once you become a client of COl/
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Jun Merencilla Hey thanks bro… pero I was reading their primer and they have this table wherein you invest a minimum of 5k a month (2012 eip primer) They even have an example of a person with an annual investment of 60k (thats 12 mos of 5k) Maybe I should attend a seminar at least or email them after the holy week. tnx again..
5K minimum investment. no succeeding investment cost. 25K if you want to be a trader.
t speed is not so good today. I have been studying Colfinancial's EIP and I don't seem to understand some things. I knew the 5k starting investment. I would like to know the succeeding investment costs. Is it a minimum of 5k a month? I am now in the process of studying their primer but I can't seem to get answers. I would like to know if I could invest 5k initally, add/invest lower from time to time but not regularly (monthly) Is it possible with EIP? I would greatly appreciate a reply.