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The Emerging Real Estate Industry

At the end of 2018, the outlook for the real estate industry in our country remains positive. The greatest contributors to this growing market are the increasing demand of BPO sector for real estate spaces and the growing real estate stakeholders including the space operators, or what we know as landladies and landlords, and technology companies. If you can observe, it’s not just the market here in Metro Manila that is continuously expanding but the commerce in provinces as well. If you’re an investor and you want to start investing in real property, I will share with you the ways on how you can actually acquire your own real estate.

Catch me in my live training events! (quick plug)

The heart of why I do these seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more about how you could time the market check out the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Through Real Estate Agents

This is the easiest and most convenient way to get your own property. You have to find a good real estate agent who can provide you sufficient and accurate information about the property you are buying. Real estate agents are mostly professionals so you won’t experience huge issues during the transaction. If you use this method, expect that the price of the investment is high while considering other factors such as the newness of the property, the location, and the provider. If you buy condo units and houses here in the Metro, prices are higher than those in the provinces.

THE SWEET SPOT IN REAL ESTATE INVESTING - YouTube

Ask The Banks For Foreclosed Properties

Another option is asking your bank for foreclosed properties. Banks won’t keep real properties forever. There will come a point wherein they will sell them at the best price possible to recover what they have spent for those properties. Usually, foreclosed real estate held by the banks are those that served as collateral for loans and other banking services. You should have the expectation that if you buy foreclosed properties, you will get it as it is—no reconstructions beforehand. And when it comes to the pricing, properties held by the bank are usually priced lower compared to newly built units and houses. The difference is significant so you better find a property which needs fewer retouches.

Buy From Home And Land Owners

Last but not least is, of course, buying directly from home and landowners. If you use this way, you have the chance to negotiate with the owner and the price depends on major factors like the size of the land, the location, and whether it can still cultivate crops or not. In provinces, if the lands have crops and trees in it, the value increases. Buying from real owners can save you a significant amount of money if you are good at negotiating. But prior to buying your real estate, make sure you have sufficient knowledge about the pricing.

SUCCESSFUL PROPERTY INVESTING BEHAVIORS - YouTube

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post WAYS ON HOW TO ACQUIRE YOUR OWN REAL PROPERTY INVESTMENT appeared first on Marvin Germo.

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Lower Cement Prices  

San Miguel Corporation’s (SMC) recent acquisition of the majority stake in Holcim Philippines is expected to lead to lower prices of cement in the country. More collaboration and economies of scale are expected afterward which in turn will affect the current cement prices. Although it is a major event in the industry already, we are still considering the fact that there will be market segmentation and let’s not forget the emerging brands that could offer competitive prices just like any other industries. To add extra information on this, the country continues to import cement which will not affect the healthy competition we have right now in the market.

Catch me in my live training events! (quick plug)

The heart of why I do these seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more about how you could time the market check out the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

The Recent Acquisition of Holcim Philippines

Just last week, it was reported that SMC, the largest conglomerate in the Philippines, has bought Holcim Philippines, for $2.15 billion from Lafarge Holcim in Europe. This event was significant for the company as it made SMC the biggest cement player in the country. It was also disclosed on May 10 that Lafarge Holcim has signed an agreement with SMC to acquire 85.7% stake in Holcim Philippines. This would equate to 5.5 billion shares with a per share price of P16.80. Now that the sale has been made, Holcim has declared an exit from the fierce competition in the South East Asian region.

SMC Outperformed Foreign Cement Giants

The recent acquisition just proved that SMC beat foreign giants in the cement industry. It outperformed the Japanese company Taiheyo Cement Corporation and the Siam City Cement in Thailand and Anhui Cement Corporation in China. Lafarge Holcim disclosed that the exit from the stiff competition in South East Asia has not been bad for the fir. In fact, it was based on their portfolio review that they were able to reach a new stage to strengthen their financial capability. Holcim also had a previous transaction with Indonesia, Singapore, and Malaysia. The sale of the stake was done on the purpose of solidifying the balance sheet of the firm.

SMC To Create More Opportunities

After the acquisition, SMC is expected to create more opportunities nationwide as it strengthens its base in the cement industry. The recent expansion of SMC opens new doors not just for the firm itself but for the Philippine economy and investors as well. Because of the transaction, the firm is required to do a tender offer for the Holcim shares which are by the hands of its minority shareholders. The tender offer will be conducted after the final purchase price has been paid. This transaction would undergo the process of Securities and Exchange Commission and the Philippine Competition Commission (PCC).

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post THE ACQUISITION OF HOLCIM WILL LEAD TO LOWER PRICES OF CEMENT appeared first on Marvin Germo.

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GTCAP Profit During The First Three Months 

GT Capital Holdings, Inc. has generated a profit 8% lower than last year. During the first three months, it reported a net income attributable to parent of P3.42 billion, lower than the P3.74 reported in 2018. The lower sales from it property and auto segments triggered this downward trend in the firm’s performance. Its real estate and automotive performances are causing slow growth in the revenue. But since it’s just the first quarter of the year, should investors be worried about this report? Let’s take a look at its segment’s performances.

Catch me in my live training events! (quick plug)

The heart of why I do these seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more about how you could time the market check out the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Toyota Motor Philippines Corporation Production 

As part of GTCAP’s performance record this first quarter, its automotive segment, Toyota Motor Philippines Corporation (TMP) made a flat revenue or P33.8 billion in figures. Compared to the past sales of P1.8 billion, this recent revenue growth is 25% lower. The number of units sold reached 33,554 or 3% lower than the 34,440 units dispatched during the same timeline last year. Thus, the market share of the automotive operation went down to 34.6% by the end of March while the last year’s part was 35.5%. But despite this drop, TMP is still positioned as the leading automaker in the country.

Banking And Insurance Segments

GTCAP’s banking and insurance businesses contributed to the growth in revenue which was 3% higher or P47.02 billion. In fact, Metropolitan Bank and Trust Company (Metrobank) has increased its net income by 15% to P6.8 billion during the first quarter of the year. This net income was uplifted by the loan expansion, high income based on fees, and margin growth, leaving the bank’s loan portfolio to P1.4 trillion or 9% higher than what was previously reported. The deposits stood at P1.6 trillion while the consolidated assets and equity reached P2.3 trillion and P288,7 trillion respectively. Although the automotive industry did not perform well as of this quarter, it was balanced by the increased contributions of GTCAP’s banking segment.

GTCAP’s Positive Outlook

GTCAP has a positive outlook amidst slow growth in its automotive and property segments. The firm thinks that the current status of TMP’s performance this quarter is already a sign of recovery while taking into account the effect of the TRAIN law that increased the excise tax on vehicles. Last 2018, the firm had already experienced a 12% decline in the sales volume. Nevertheless, GTCAP is convinced that the rest of the year will bring in more success now that inflation is easing up and the consumer confidence is stabilizing. This year, the P51.7 billion capital expenditure allocation will go to automotive and property business unit expansion of the firm.

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post GTCAP REPORTED 8% DECREASE IN PROFIT IN QUARTER 1 appeared first on Marvin Germo.

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Next Generation Investing

Children are too much exposed to different entertainment nowadays. Though it is not a bad idea to let them experience everything while they are still kids, the time when they should have learned things with value in life is being sacrificed, thus becoming the opportunity cost because they want to spend more hours with gadgets than books. On the investment side, kids should learn the art of investing as early as now. As an investor and a parent, you are responsible to start opening new doors for them. The next generation investing is in your children’s hand, so better use this chance to teach them something valuable they can use throughout their lifetime.

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Investing Can’t Be Learned At School

It’s saddening that there is no single subject in school to teach the kids, teen, and young professionals to invest. This is one major reason why you need to start educating your kids at home. If they can’t learn it at school, use your knowledge to show them how bright their future can be if they will learn to save and invest little by little. And I tell you, once you started teaching them how to invest, the sooner they will be encouraged to begin saving for their future. If you have regrets now investing as early as you can, remember not to pass these regrets to your kids.

14 YEAR OLD FILIPINO INVESTOR - YouTube

More Time To Invest In Knowledge

The earlier you expose your children to investment information, the more time they will have to invest in financial knowledge. Always keep in mind that it’s not just a matter of money, it’s also a matter of how much time they have. If you think your sons and daughters are too young to open an investment account, introduce them to basic investment concepts. Buy them books to read and let them ask questions if they are curious. An investor and parent like you should also be willing to invest in the knowledge of your kids. Don’t just bequeath assets to your children, leave learnings and knowledge that they can use when they grow up.

The Earlier They Invest, The More Money They Get

The importance of time, money, and knowledge is very high at this point. If you can teach your kids to invest as early as now, they will have greater time to earn higher yields. Truth be told, I have interviewed kids who are as young as 12 years old but are already investing in stocks and saving for more investment portfolio. Most of them are learning strategies from their parents an even attending seminars with them. If you can nurture the potential of your kids, do it as early as now.

SHE REMINDS ME OF ME - YouTube

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post WHY YOU SHOULD TEACH YOUR KIDS TO INVEST appeared first on Marvin Germo.

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After A Challenging Year

2018 has been a challenging year for the local airline companies in the country, including PAL and Cebu Pacific. Good thing the first three months of 2019 have brought opportunities for these airlines to recover and have their passenger volume grow. During the first quarter of the year, PAL Holdings, Inc. was able to cut down its net losses from P1.11 billion to P383.17 million. The loss is still there, yes, but we can’t ignore the fact that the resilience of the company is a big factor why they are slowly recovering. Let’s take a look at some major key points that happened during the first three months of the year.

Catch me in my live training events! (quick plug)

The heart of why I do these seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Lower Flying Expenses

One major reason why PAL was able to trim down its losses is due to the decreasing fuel costs. There was a lower flying expense recorded because the jet fuel price is declining. And since the passenger volume increased, it turned out great for PAL having higher revenue and lower expenses. Partnered with lower expenses is the consolidated revenues of the airline company that went up by 7.2% or P39.27 billion in figures. It was also disclosed that the increase in passenger volume was because of the new routes and extra flight frequencies. For investors, it is surely great news to hear PAL recovering from more than a billion loss in 2018.

Expenses During Q1 2019

Following the consolidated revenue of PAL, the consolidated expenses dropped by 3.4% during the first quarter of the year. The expenses stood at P36.81 billion, which was lower compared to the P19.82 billion reported last 2018. The flying expenses were still the largest contributor to the firm’s expenditures. Additional to this is the reservation and sales costs that grew up by 17.9% or P444.41 million due to the increased credit card services fees and booking charges. It seemed like more passengers used credit cards to avail the services of PAL. Maintenance fees also jumped by 8.2% or P5.12 billion because of the new aircraft that arrived in the second quarter of 2019.

PAL During 2018 Vs. 2017

Compared to the 2017 net loss of P7.334 billion, PAL Holdings Inc. Slimmed its 2018 net loss to P4.330 billion, which was 41% lower. This was due to the fact that the known airline served about 16 million passengers in 2018. Though it generated higher revenues, the net loss couldn’t be lifted enough to make a positive result due to some major reasons. Of course including the fuel costs. A major inclusion in the flying operation cost last 2018 was fuel. The consumption of fuel grew by P13.9 billion, making a P52.3 billion expenses from P38.4 billion in 2017. The escalated jet fuel price with an average of $94.38 per barrel in 2018 affected the fuel expenses.

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post PAL IS SLOWLY RECOVERING AS FUEL COST DECREASES appeared first on Marvin Germo.

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Business Is Not For Everyone

Have you ever considered business as a channel to create a higher income other than what you’re receiving from your employer? Are you dreaming to become your own boss someday? If your answer is a screaming yes, then you have what it takes to become a rich and successful person someday. Some people who chose business as another source of earnings became prosperous but some failed. Business is not for everyone and you have to consider that fact if you’re planning to start up your enterprise soon. There’s no harm in trying but if you’re losing all of your money already, remember that you still have other alternatives. Here’s your other options to avoid losing your cash in business.

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Build Your Stake In Good Companies

If you’re business is not working for you, why don’t you try building your stake in good companies instead? As an alternative, you can use the money you have to buy good stocks and let it compound until you reach your target amount. Good thing about investing in stocks is that you don’t have a business to handle. Your yields depend on the performance of the companies you chose. Although it requires some investing knowledge, you will have all your time to study the market while letting your money grow in an investment. Also, investing regularly and for the long-term is recommended if you want to see your money double or triple down after a couple of years.

IF YOU WANT TO START A BUSINESS YOU NEED TO SEE THIS - YouTube

Become A Business Partner

Businesses fail because of many known reasons. If you have run a sole proprietorship before, maybe it didn’t work because you have poor management skills. Handling the business alone is susceptible to failure if you lack experience. So another option I can recommend is doing business with a partner. You can choose to be silent partner if you don’t trust your management skills. You can also be a limited partner wherein the loses are limited only to the capital you have invested. If running a business alone doesn’t fit you, it’s time to live by the saying two (or more) is better than one.

Invest In Knowledge First

Before you venture into a new activity like establishing your own business, make sure to invest in knowledge first. Having enough ideas on how to handle business challenges is important as this will drive you to become creative and innovative so you can deal with the issues you face everyday. While doing so, you can focus on investing in mutual funds or UITF. These types of investments have lower risks compared to stocks. As you learn new things, you are also letting your money grow. If you are really eager to do business by yourself, I recommend you to keep on studying even after starting up your company.

HOW TO START YOUR OWN BUSINESS FROM SCRATCH - YouTube

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post AVOID LOSING YOUR MONEY IN BUSINESS BY DOING THESE ALTERNATIVES appeared first on Marvin Germo.

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Marvin Germo by Marvin Germo - 1w ago
For Those Who Are Doubtful To Invest In Stocks

Investors don’t always have the courage to take the risk especially when it comes to investing. A big percentage of the population is still doubtful to put their money on something that is not consistent. If you’re part of this who is afraid to embrace the risk, don’t worry because there’s an alternative for you. You can still invest and set aside your worries. UITF is one of the ideal alternatives for conservative investors who want long-term growth. In this article, I will share with you why investing in UITF is one of the best alternatives for those who are afraid to venture into stocks and bonds.

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Best Investment For Your Retirement Funds

Some investors aim for higher and faster returns while some just want to invest for the long-term so they can retire as early as possible. One of the good characteristics of UITF is that it is a great channel if you are investing for retirement. While you are assessing your long-term needs, you can withstand your funds’ fluctuations. And as you invest regularly, your funds become higher so as the compound interest you’re earning from your investment. Just make sure you avoid taking out your money each time you see it grow. Instead of withdrawing, aim to invest more.

EQUITY FUNDS VS BALANCED FUNDS - YouTube

You Don’t Need A Lot Of Money To Start

Yes, investing in UITF doesn’t require you so much funds. In fact, you can invest for as low as P10,000 depending on the rules of the fund manager you chose. A great example of this is the Easy Investment Program of BDO wherein you can have an account with a minimum of P1,000 per month. Isn’t it a great idea especially for those who are just starting? For sure, other banks will start to implement the same program to open opportunities for new investors. On the other side of this idea of not needing a lot of money to start, keep in mind that investing in UITF will cost you management fees which is fair because fund managers will make the money work for you.

UITF Is On The Growth Side

Another good feature of UITF is that it is on the growth side rather than on the losing side. Some investors are brave to take the higher risk for higher yields considering that the bad years will lead to negative growth. Remember that you can always avoid risks by choosing other alternatives like UITF, which is dependent on the funds you have opted to invest in. Since this is pooled investment and the people who will manage the money are professional and skilled, your investment is likely to grow and perform well if you leave it sitting for years.

Losing Money in Equity Funds - YouTube

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post Why You Should Invest in UITF appeared first on Marvin Germo.

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Marvin Germo by Marvin Germo - 1w ago
Slowest GDP For The Philippines

During the first quarter of the year, the Philippine gross domestic product (GDP) stood at 5.6%, which is considered as the worst performance compared to the past results. The reported GDP is lower than the previous quarter’s 6.3% and 2018 first quarter’s 6.5%. If we take a look at the estimate of Business World’s poll of 20 economists in the past week which is 6.1% and the government’s target this 2019 at 6-7%, the difference from the current GDP is significant. For the previous 16 quarters, this is already considered as the slowest growth or since the economy reported a 5.1% growth in 2015. So, what’s the reason behind this slow growth?

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Budget Delays Trigger GDP

The delays in the 2019 fiscal budget have impacted the economy of the Philippines. Thus, it triggers the slower pace and now that the GDP is reported as worst, the government needs to double their effort in order to make up for the improvement. During the first months of the year until April, the government relied on the re-enacted 2018 budget until Mr. President Rodrigo Duterte signed the new budget into a law, rejecting P95.3 billion in appropriation in light of his understanding that it was not a part of the priorities of his administration and therefore cutting the national budget at P3.662 trillion. The GDP could have been at the estimated 6.6% if we started operating under the 2019 budget.

Slower Performance

Breaking down the components of the GDP, the supply category grew by 7%, higher than the reported 6.7% last year. The industry went up by 4.4%, considered lower than the 7.7% reported last 2018. The expansion of agriculture, fishing, forestry, and hunting stood at 0.8%, lower than 1.1% in the previous year. The slower growth of the agriculture side is impacted by the current EL Nino the country is experiencing which is expected to last until August of this year. Meanwhile, the government spending slowed to 7.4% this quarter versus the 13.6% growth in 2018’s first three months. The delays on 2019 national budget trimmed down the growth of government spending.

Full-Growth Target

With the joined statements of Department of Finance, Department of Budget and Management, and the National Economic and Development Authority, they say that in order to make it up to the worst performance this first quarter, the government needs a full-growth target which is at 6-7%. The economy needs to grow by 6.1% in average for the remaining quarters of the year. This target is still within our capacity if the private sector companies keep their current performance and if the government will be able to start and expedite the implementation of the new projects and programs.

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post GDP SLOWS DOWN TO 5.6% appeared first on Marvin Germo.

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It’s Time For Investors To Make A Move

Now that the economy of the Philippines is progressing, it’s time for investors to make their move. This applies to existing investors who are looking for companies where they can invest in for the long term and to people who are yet to invest because there is no better time to start saving and investing but now. The current inflation rate, which stands at 3%, can make a big difference when you invest now. If you don’t use this opportunity to grow your money, only big companies will profit from the improving economy. Here’s how you can be a part of that 1% rich population.

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Consumer Companies Will Recover

The easing inflation is very advantageous for consumer companies. The prices of consumer goods are stabilizing, the peso is strengthening, and the oil prices are becoming steady. Although there are serious factors like the agitated global oil price and El Nino that are likely to affect the fluctuation of oil prices, the fact that our economy is recovering from the high inflation last year is already a good sign. For sure, consumer companies like San Miguel Food and Beverages, Inc. (SMFB), Jollibee and firms alike will recover this year. If these companies can recover, you, as an investor, can also make a big difference this year by tracking down good companies where you can invest in.

Buy Consumer Stocks

If it’s your daily to routine to buy food and beverages with SMFB brand, why don’t you ask yourself to buy stocks from the company instead? This year, SMFB is expected to perform better with the lower inflation rate. Existing investors are being aggressive as they exchange stocks in the trading floor. This should be your number one strategy so you can take advantage of the progressing economy. If you have other investment types right now, you can focus on buying consumer stocks as part of your portfolio. This year is the best time to start since the inflation rate is expected to slow down in the coming months.

Best Time To Buy Your Real Property

With the lower inflation rate, you can purchase real properties at lower prices. The fact that the price of real estate will increase as the inflation rate increases is a good benefit if you can acquire the property when inflation is at its lowest. Now that the lowest rate we’ve experienced is at 3% for the past 16 months, this is also the best time to have your own real property. Good thing about purchasing a real estate is that you can turn it as an investment by letting the value appreciate or by renting it to generate rental income. Don’t let property development companies benefit from this alone. Start investing as early as now!

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post HOW TO TAKE ADVANTAGE OF THE LOWER INFLATION appeared first on Marvin Germo.

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Ayala Land Inc. Net Income Jumps

Ayala Land, Inc. (ALI) reported a net income 12% higher during the first quarter of 2019. This is equivalent to P7.3 billion following the 7% increase in its revenue or P39.7 billion in total. What went well during the first three months of the year for ALI were the commercial leasing revenues and the residential sales. These factors drive the net income hike of the firm which gives evidence that it is experiencing continuous growth in all its business segments despite the challenges that come its way. The solidness of ALI’s commercial portfolio was the most remarkable and it took the company forward.

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

ALI’s Property Development

Majority of ALI’s revenue in the first quarter of 2019 can be accounted for its property development. The revenue generated from this segment grew by 4% or P26.1 billion, higher compared to the P25.2 billion reported last year. The sales reservation for the first three months increased by 8% year on year, which stood at P34.1 billion. This is in line with the firm’s expectations as the demand for reservation sales from Filipinos here in the Philippines and in abroad continue to grow. Meanwhile, the commercial leasing revenue of the firm hit P9.2 billion or 19% higher than what was previously reported. This covers the company’s operation in relation to its hotels, shopping malls, resorts, and offices.

ALI’s Shopping Malls, Hotels, and Offices

If we take a look at the break down of ALI’s commercial leasing revenue, the revenues from the shopping centers of the firm increase by 14% or P5.1 billion in revenues. The opening of new malls has been a factor to this revenue hike. The malls that are new in operation include the Cloverleaf, Ayala Malls Feliz, Capitol Central, Circuit Makati, and Vertis North. It can also be noted that the shopping centers in Glorietta, Makati, and Greenbelt have good performances during the first quarter. While if we take a peek on the hotel revenue, the new hotels lifted the sales by 25% or P1.5 billion. As a matter of fact, ALI ended the first quarter with 3,018 rooms coming from its newly operated hotels. Finally, ALI’s office leasing revenue went up by 27% or P2.2 billion because of its newly opened offices such as the Ayala North Exchange Towers and Vertis North Corporate Center Towers.

ALI’s CAPEX

During the first quarter of the year, ALI spent P22.3 billion as its capital expenditure to finance the completion of the new projects on its list. For the year 2019, the firm has allocated a P130 billion CAPEX, which means there are more Ayala projects coming our way! The company has also begun the development of its Habini Bay situated in Misamis Oriental, accounting for 526-hectar estate of the company. The company is looking forward to hit its P40-billion net income target this 2020 so it needs to exert more effort to start increase its bottomline by 17%.

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders

The post ALI GENERATES P7.3-BILLION IN Q1 appeared first on Marvin Germo.

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