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Guidance for Stock Market Investing Exclusively for TrulyRichClub Members

Note: To understand the Stocks Update, first read Bo’s e-book, My Maid Invests in the Stock Market.
Click here www.TrulyRichClub.com to download now.

Volume 11, No. 13 July 2019

Make Money
Even When Stocks Go Down

Do you sometimes feel that pain in your gut when you see your stocks take a nosedive?
Don’t worry, I used to feel that way, too. Early on in my investing life, I would feel the same ache in my tummy when
my stocks turn red.
But because I’ve been investing in the market for many years now, I’ve gotten used to it and just shrug my shoulders
when it goes down. I know it’s temporary and these behemoths will climb up again in due time. In two years? Three
years? Five years? It doesn’t matter. I’m always long-term. And 99 percent of the time, they do climb back again.
But if you’re new and want to be extra careful, you can choose SAM stocks that give bigger dividends. Note that this
assumes that you always reinvest your dividends. If you do, this will work.
Here are our SAM stocks and the dividends they give back to owners like us:

SHLPH 7.73%
CEB 7.7%
TEL 4.9%
AP 4.2%
FLI 3.4%
CHIB 3.2%
DNL 2.6%
MPI 2.3%

This is cool: You get paid to wait for the stock price to go up. Obviously, our other SAM stocks may go up higher in
stock price, but if your priority is safety over growth, then you can consider this selection.

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Let me show you a fictional scenario of how this works: Imagine Stock ABC doesn’t give any dividends and Stock
XYZ gives four percent a year. By the end of the year, Stock ABC grew by nine percent and Stock XYZ grew by a measly two
percent. But if you add the four percent dividend it gives, it still gave you six percent returns. So overall, ABC gave you
nine percent and XYZ gave you six percent.
Now imagine if it was a mediocre year. And both ABC and XYZ had flat growth—zero percent increase. But because
XYZ will still give you four percent dividends, you come out on top.
But saying all this, I need to remind you: Don’t depend on these dividends alone to make your portfolio grow. The
key is the 20 percent of your income that you set aside each month to keep buying small amounts AND, on top of that,
reinvest your dividends.
And one day, you will be a happy multimillionaire.

Happy investing!

May your dreams come true,

Bo Sanchez

P.S. Are you thinking of becoming an entrepreneur? We’re relaunching our Diamond Membership very soon. It’s for
people who want to check out if business is for them. Watch for it!

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Seeing Good Things

But Best to Still to Be Cautious
By Mike Viñas

Recently, we’ve been seeing good things. In the past few weeks, the Philippine Stock Market Index (PSEi) rallied to
around the 8,100 level. Along with this, the outlook of the domestic economy also improved, inflation continues to stay
below four percent, and the lowering of the reserve requirement ratio among banks. The pressure for interest rates to go
up also lessened. This is because of falling oil prices and the increasing probability that the U.S. Fed will cut rates.

However, in spite of these good things happening, many investors remain cautious toward the stock market
because of the deteriorating outlook on the economy of the United States. One cause of this was the higher tariffs imposed
by U.S. President Trump on many Chinese imports. He also threatened to expand tariffs to another US$300 million worth
of Chinese imports. Such developments have negatively impacted business sentiment as reflected in several indicators.
Another possible cause of concern is the drop of copper prices. Copper has many applications in cyclical industries. Thus,
lower price of copper is seen as an indicator of global economic weakness

Despite the deteriorating outlook on the U.S. economy, the U.S. market still managed to go up in June after going
down last May. The rally around the last week of June was due to the increasing hopes that the U.S. Fed will make a rate
cut. Aside from the U.S., other emerging markets like Thailand and Indonesia are performing well. Even China’s stock
market is doing well despite the vulnerability of China to the ongoing U.S. China trade war.

The question to consider is this: Can a looser monetary policy by the U.S. Fed drive the U.S. market higher even
if there is a growing risk that the U.S. economy might not do well? Thus, there is reason to be careful especially because
historically, a weaker U.S. market has a negative impact on the performance of global markets including the Philippine
market.

In conclusion, the Philippine stock market is in a good position to go higher with the improving outlook of the
domestic economy as well as falling interest rates. However, the uncertainty lies in the sustainability of the strong
performance of the U.S. market. Hence, there is a strong likelihood that markets will remain volatile. Therefore, it is wise
to exercise some caution.

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For long-term investors like us, according to analysts, the best way to manage risk is by managing one’s exposure
to the stock market. To be prudent, the amount you are investing regularly should be an amount that you can afford to
keep invested for a long period of time. In addition, be sure to invest in big, stable, and fundamentally sound companies.
Such qualities should make such stocks resilient to volatility. In TRC, we recommend our SAM stocks and some mutual
funds seen below.

*Source: COL Financial Research

TRC STARTER STOCKS GUIDE JULY 2019

The figures below (P50,000 and P250,000) are simply our recommendations, designed for safety and less volatility (up
and down movements). But if you so choose, even if your money hasn’t reached yet the figures indicated, you can buy the other
stocks listed in the SAM Table, provided you’re psychologically prepared to stay calm through the volatility.
For more clarity, we outline here two baby steps you can take to grow your investments if you’re a newbie investor:
Baby Step #1: If your portfolio is below P50,000, buy Philequity Index Fund first before you buy specific stocks. It’s less
volatile than any stock and you also get to invest the entire amount that you put into your account, unlike in stocks where there
is a minimum board lot.
Baby Step #2: If your portfolio is between P50,000 to P250,000, buy our recommended starter stocks below (first table).
Each month, we specify what these two or three stocks are, based on what we believe are the most stable and least volatile of
our SAM stocks (second table below).
Once again, these are only our suggestions. If you feel you can handle the up-and-down roller-coaster ride of our other
stocks, then by all means, buy our other SAM stocks. They are all great companies that will do well over the long term.

Portfolio Amount Recommendation

P50,000 and below Philequity PSE Index Fund

Starter Stocks:
P50,000 – P250,000
MEG, MBT, DNL

P250,000 and above Stocks from the SAM Table

Stocks Update Volume 11, No. 13 • July 2019 4

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Here are our SAM and Mutual Fund Tables as of July 11, 2019 closing:

Stock Current Price Buy Below Price Target Price Recommendation Max%

AC 912.00 935.00 1101.00 Continue buying 15%

CEB 92.55 106.40 141.82 Continue buying 5%

CHIB 27.15 27.40 36.50 Continue buying 5%

DNL 10.26 10.28 13.70 Continue buying 10%

GTCAP 875.00 893.00 1190.00 Continue buying 10%

MBT 72.00 75.00 100.00 Continue buying 10%

MEG 6.07 6.12 7.20 Continue buying 10%

MPI 4.80 6.00 8.00 Continue Buying 10%

SHLPH 38.90 42.00 56.00 Continue buying 5%

TEL 1210.00 1275.00 1500.00 Continue buying 10%

ALI 53.00 48.45 57.00 Stop buying 15%

AP 36.75 36.00 48.00 Stop buying 10%

BDO 145.00 133.45 157.00 Stop buying 10%

FGEN 26.65 21.92 27.40 Stop buying 10%

FLI 1.80 1.76 2.20 Stop buying 10%

RLC 27.00 24.65 29.00 Stop buying 10%

SECB 179.80 153.75 205.00 Stop buying 10%

SM 980.00 969.00 1140.00 Stop buying 15%

SMPH 39.20 38.00 44.67 Stop buying 15%

NAVPS WHEN CURRENT NAVPS ESTIMATED RE-

FUND CODE FUND ACTION TO TAKE
BOUGHT (01/12/16) (07/11/19) TURN

XPEEQ Philequity Fund 31.0639 39.5522 27.33% Continue buying

Philequity Index
XPEIF 4.2155 5.4041 28.20% Continue buying
Fund

Sunlife Prosperity
XSLEQ 3.4805 4.4069 26.62% Continue buying
Equity Fund

Mike Viñas is an investment trainer and a certified investment solicitor of COL Financial Group, Inc.

Stocks Update Volume 11, No. 13 • July 2019 5

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2018 Top Winners of the TrulyRichClub’s Stocks

STOCK TIME ESTIMATED PRICE ESTIMATED
STOCKS
SYMBOL RECOMMENDED TIME HELD RANGE RETURN

May 2016 to 29.07

Unionbank UBP 24 months P59.00 to P91.40
May 2018 percent
June 2011 to January 28.63
Metrobank MBT 42 months P50.06 to P93.94
2018 (partially sold) percent
December 2016 to 11.21
Meralco MER 16 months P275.00 to P307.00
April 2018 percent
July 2017 to January P1230.00 to 10.47
GT Capital GTCAP 6 months
2018 (partially sold) P1350.00 percent

Top Past Winners of TrulyRichClub’s Stocks

STOCK TIME ESTIMATED PRICE ESTIMATED
STOCKS
SYMBOL RECOMMENDED TIMEHELD RANGE RETURN

June 2011 to February 2012 P15.09 to

 Ayala Land ALI 9 Months 35 percent
(3rd week) P21.65
Bank of The
February 2012 to November P68.45 to 34.29
Philippine BPI 10 Months
2012 (4th week) P91.00 percent
Islands
SM Prime February 2012 to December P12.48 to 27.75
SMPH 10 Months
Holdings 2012 (1st week) P17.00 percent
January 2013 to April 2013 P268.00 to 28.05
Meralco MER 3 Months
P377.00 percent
32.92
First Phlippine P63.18 to
FPH June 2011 to June 2013 25 Months percent
Holdings P95.20
percent
JG Summit P25.75 to 39.96
JGS February 12 to October 2013 18 Months
Holdings P43.50 percent

D&L Industries DNL February 2013 to April 2014 14 Months P6.45 to P10.00 44 percent

May 2016 to P59.00 to 29.07

Unionbank UBP 24 months
May 2018 P91.40 percent

June 2011 to January 2018 P50.06 to 28.63

Metrobank MBT 42 months
(partially sold) P93.94 percent
P89.60 to 24 percent
Banco De Oro BDO April 2013 to August 2014 16 Months
P93.00 percent

(Disclaimer: Past performance doesn’t guarantee that you’ll have the exact same results in the future. After all, your earnings depend on
the market’s performance.)

Stocks Update Volume 11, No. 13 • July 2019 6