How A Woman Ended Up With P22 Million

Friends are asking how a woman who invested P3,000 each month in the stock market starting at the age of 30, ended up with P22 million at the age of 60. In this video, we show you the computations using a basic table in MS Excel, plus the shortcut Future Value formula, that quickly gives you the final amount you'll end up with, assuming you invest a fixed amount each month for a certain number of months, and assuming a certain rate of return from the stock market.

Please note, however, that you can make little or zero money from the stock market. Plus, there's also a risk that you'll lose money if the stock prices are low and you're forced by circumstances to sell your stocks at a price lower than that which you bought them.

While stock market prices go up and down regularly, some analysts believe that the overall long-term trend of stock prices of solid companies is upward. Some stock market mentors would aim for an average of 12% return on interest, while others would go for 15%.

Based on our experience, we've seen mutual funds (equity - stock market) grow as low as 3%, and yet others which grew at 18%.

There's a step-by-step guide here for you who are interested in long-term stock market investing:

The above guide helps you understand what you need to do before you invest in the stock market.

Kind regards,
Manny M. Viloria

Truly Rich Club Fan Manny Viloria Explains The P22 Million Computation

The Switching Stocks Strategy

Bo Sanchez recently told members of The Truly Rich Club to use the Switch Strategy. Here's a basic description of how it works:

1. Sell all your stocks in Company AAA, even at a loss.

2. Use the money from that sale to buy as many shares of stock as you can in Company BBB, because the price of Company BBB's shares is quite low, and the price of Company BBB's shares is expected to go up faster than that of Company AAA.

Here's what we're going to do...

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OFWs and TIN

OFWs are asking about the TIN requirement of COL Financial. Here's a quick guide for you, so that you can get started and apply for your COL Financial account and start buying and selling stocks online.

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Bo Sanchez Launches Truly Rich Club 2.0

Bo Sanchez celebrates his birthday in July, and launches Truly Rich Club 2.0

He kicks it off with a series of videos, and if you would like to watch the mini-course video series, head on to:

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COL Financial Trading Fees and Handling Charges

Truly Rich Club friends have been asking about the trading fees and handling charges in COL Financial, plus some sample computations.

Here's the info available online:

The following lists the corresponding charges for buying and selling transactions:


Commission .25% Of the Gross Trade Amount
Value Add Tax (VAT) 12% Of Commission
Philippine Stock Exchange Transaction Fee (PSE Trans Fee) .005% Of the Gross Trade Amount
Securities Clearing Corporation of the Philippines Fee (SCCP) .01% Of Gross Trade Amount
Sales Tax No. of Shares x Price x .005

* Note: The Commission fee has a minimum charge of P20.00 per transaction. And if you require a broker-assisted trade, the commission charge is .5% of the Gross Trade Amount.


Buying - Total fees for buying 20,000 shares of ALI at Php5.00/share

Commission (20,000 x P5.00) x .25% P250.00
VAT P250 x 12% P30.00
PSE Trans Fee (20,000 x P5.00) x .005% P5.00
SCCP (20,000 x P5.00) x .01% P10.00
Total P295.00

Selling - Total fees for selling 20,000 shares of ALI at Php5.20/share

Commission (20,000 x P5.20) x .25% P260.00
VAT P260 x 12% P31.20
PSE Trans Fee (20,000 x P5.20) x .005% P5.20
SCCP (20,000 x P5.20) x .01% P10.40
Sales Tax 20,000 x P5.20 x .005 P520
Total P826.80

Each computed charge listed above are rounded to hundredths (2 decimal places) using Symmetric Arithmetic Rounding*
for the calculation of the total fees.


3.044 rounded to hundredths is 3.04 (because the next digit, 4, is less than 5).
3.046 rounded to hundredths is 3.05 (because the next digit, 6, is 5 or more).
3.045 rounded to hundredths is 3.05 (because the next digit, 5, is 5 or more).


COL Financial Handling Charges

1. Lodgement fee (Depositing a Stock Certificate) - A Lodging fee of Php120 + VAT per stock will be charged with an additional Php20 + VAT per certificate of the same stock after the first certificate.

2. Electronic Share Transfer (Broker to Broker) - Electronic transfer can take one or two days and would entail a cost to the customer of Php75.00/per stock from the issuing broker and the receiving broker.

3. Upliftment fee (Request a Certificate) - Requesting a certificate would entail an Uplifting charge of Php150+VAT per stock, and could take up to a month to generate a new certificate.

COL Financial Claim Procedures

Here's how you (or your heirs) can withdraw part of all of your Cash Balance from your COL Financial account.

How Your Heirs Can Claim Your COLFinancial Account In Case Of Your Demise

In the unfortunate event of an account holder’s demise, the following are the documents to be submitted by the surviving spouse/heir:

1. Death Certificate

2. Either one of the following:

2a. If with testate or intestate proceedings, a court order appointing the executor/administrator and authorizing him to close the account and collect the proceeds;

2b. If without testate or intestate proceedings:

(i) If there is only 1 heir – Affidavit of Self-Adjudication
(ii) If there is more than 1 heir – Deed of Extra-judicial Settlement of Estate
(iii) In either (i) and (ii), submit also proof of filing of the Affidavit or Deed, as the case may be, with the office of the register of deeds

3. Release, waiver, and quitclaim, holding COL free and clear from any action, claim or liability brought by third parties in relation to the closing of the account and release of the proceeds thereof.

4. Proof of payment of estate tax or BIR Certification that the same is exempt from estate tax

5. Identification documents of surviving heirs (photocopy of 1 government issued ID, with picture and signature)

Surviving heirs may then open an account with COL Financial to transfer all stock and cash positions from the deceased client’s account to the surviving heirs’ account. Surviving heirs will have to submit identification documents and POB and accomplish account opening forms.

Here's a TIP: Open a JOINT OR account in COL Financial. Use "Your Name OR Your Spouse's Name"

That makes it simpler.

Please note that as long-term stock market investors, we do not make it a habit of withdrawing COL Financial funds often. We let the funds grow, and at the opportune time in the future, that's when we withdraw.

You can do this yourself using the COL Financial Withdrawal of Funds Form:


You may choose to go to the COL Financial office and pick up the cheque, or you may have COL Financial deposit the amount to your bank account (which you registered with COL).

Now that you know how to get your money from COL Financial, go and use the stock market information and info provided by the Truly Rich Club of Bo Sanchez today!

Kind regards,
Manny M. Viloria

Truly Rich Club Monthly Stocks Updates

Friends are asking how to access the monthly stocks updates inside the Truly Rich Club. It's easy! Here are the procedures and screenshots...

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Stocks and Long-Term Earnings

Some friends are asking why they need to wait so long before they can earn in the stock market. Why can't they earn mega bucks in just a few months? Well, here's why...

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7 Reasons Why I Subscribe To The Truly Rich Club of Bo Sanchez

Hello Friends of! Just wanted to wish you a Prosperous 2015! Here's why I subscribe to the Truly Rich Club of Bo Sanchez.


1. We save time, because of the easy-to-read table. We look at it once a month when deciding which stock to buy.

Here's a sample table. On the rightmost column we see the action to take: Sell, Hold (Wait), Buy. So easy and simple!


No need to always be online.
No need to monitor the stock market daily.

Just once a month is all it takes.

2. We appreciate the Stock Sell Alerts which are sent via email.

These emails appear in our smartphone, so we know right away when a stock is approaching its Target Selling Price... even if we don't watch the stock market everyday.

3. We like supporting Bo Sanchez, because he supports the Anawim Community for senior citizens.

Yes, we can simply keep the money in our pocket and do the research ourselves in the COL Financial website. Now since we appreciate receiving the insight from the team in the Truly Rich Club, as well as having free time to spend with our loved ones, the thought that part of the TRC subscription goes to the maintenance of the Anawim Community is a big plus.

Habang natututo tayong mag stock market,
may natutulungan din tayong bahagi ng ating lipunan.

4. TRC helps us explain the stock market to our children.

The concepts taught by Bo Sanchez are easy to understand. This makes the info also easy to teach.

And by teaching our children at an early age about the importance of investing in the stock market, we are able to help them prepare early for their financial future.

Remember, the main thing that will help your funds grow is TIME.

So the earlier we start, the better.

5. The info in the Truly Rich Club helps us grow.

So far, we've seen a growth of around 18 to 21 percent.

We're not saying that this is guaranteed. Returns will change from year to year, and we are aware of that.

We could've simply placed our money in a Mutual Fund (Equity) and let the fund managers handle everything. Subscribing to TRC has helped us learn more, and somehow earn as much as we would have if we had used a Mutual Fund.

Plus, the TRC info isn't only about money or the stock market. There are articles about spiritual growth as well.

6. TRC has helped us expand our network of contacts.

It's wonderful when you meet like-minded people who value financial literacy, community, and service.

You'll be amazed when you meet people who are also fans of Bo Sanchez, or who appreciate the tips and lessons inside the Truly Rich Club community.

With TRC, you're not just investing in the stock market on your own. You connect with others, too.

7. TRC has an affiliate program that helps you add to your stock market funds without touching your salary.

We appreciate the generous affiliate marketing program of Bo Sanchez, where you can earn referral commissions. You can place these commissions in the stock market and grow your portfolio.

That's one smart way of using passive income to help you prepare for your future financially.

So again, here's wishing your a Prosperous and Abundant 2015! 🙂

Keep on reading and learning, as we journey towards higher levels of financial literacy, success, and personal development.

Click This: Join the Truly Rich Club

All the best,
Manny M. Viloria

Is There An Assurance That I Won’t Lose My Money?

There is a risk that the value of the stocks which you bought will go down. And if you're forced to sell your stocks during such times (because you really need cash), then you will experience an actual loss.

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