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

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

When Stock Prices Go Down, Rejoice!

Long-term stock market investors like us rejoice when the stock prices go down, because that means good stocks become more affordable. This allows us to buy more of these good stocks, so that when their stock prices go up in the future, we'll be able to sell more and earn more.

Of course, there's something we need to keep in mind...


Hi! I'm Manny Viloria, and I enjoy helping others learn how to invest (long-term) in the Philippine stock market.

One of the important things we need to keep in mind is this: The stock market does NOT guarantee that you will earn.

But when we do earn, it's so much higher than what we can earn by simply placing our money in the bank.

And what helps boost our confidence is finding ways to generate EXTRA cash that we can invest in the stock market. That way, our salary or Active Income will remain untouched.

Anyway, I'm happy to share with you that stock prices went down recently. But we're not tearing our hair out and shouting "Oh no!"

Instead, we're exclaiming "YEHEY!" because we now have more choices as far as which stocks to buy is concerned.

Last week, the Truly Rich Club members were shown four stocks worth buying. Today, we're now seeing 6 stocks.

That's good because we have additional options on where to put our money.

Look at this COL Financial screenshot:


In the above example, we see that I've invested in 4 stocks. Let's just call them Stocks A, B, C, and D.

Do you see the red negative 22.78 percent? That stock's price is below what I paid for it when I bought shares of that stock in the past.

Am I worried? No.

It's the stock of a solid company.

In fact, I'm happy that the price has gone down, because now I can buy more of those stocks.

Why are there red/negative numbers?

That simply means the current prices of those stocks are lower than when I bought those stocks.

If I get the value of what I have in COL Financial, and compare it with how much we deposited in 2012 in COL, the return is 38.85 percent.

Or around 19.43 percent per year (simple average).

This means that if we invested P50,000 in the stock market in 2012, the value today would be P69,425.

If we deposited P50,000 in a savings account in a bank in 2012, the value today would be around P51,005.

So even with those two red numbers in the screenshot above, I'm still ahead of the bank (with the 38.85 percent).

Please note that this website is for informational purposes only. If you need financial advise, please consult your professional financial adviser. Thanks!

What about that nice green 11.06 percent? Should we sell that stock and convert it back to cash now?

Yes, we can do that. But I won't, because its price is not yet near the Target Selling Price. I will patiently wait for that.

Here's the Lesson: Do not be afraid of red numbers.

Remember, we're into long-term stock investing. Look to the future. 🙂

To Your Success!

Kind regards,
Manny M. Viloria