MBT Chart as of 10-17-14

 

 

 

MBT chart courtesy of COL Financial



Let's see if we can hit 86-87 target in the following days.

After going trending down, we saw a reversal today.

Support is near 83.00.

RSI says BUY.

Please note that materials contained in this article are for educational purposes only, it is not a recommendation to BUY or SELL any security. How the information would be used would be at the discretion of the reader.

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Single Pay VUL VS. Mutual Fund .., Which is better?

I have 1 million pesos and want to invest it one time, Is Single Pay VUL a good option?

Advantage # 1

Well, investing in Single Pay gives you the advantage by getting a 25% free life insurance coverage  based on your investment.  How does it work? In this case, investment is 1 Million, if something happens to the insured, beneficiaries get additional  250,000.00 pesos or a total of 1.25 Million. But if the fund value is higher than 1.25M pesos, let’s say it became 1.5M pesos because of market performance they get whichever is higher.

Same as MF  in VUL, investors can choose  either  Equity, Balanced or Bonds

Advantage #2

Another advantage for this financial product is that there is “capital protection.” For example your 1.0 million pesos investment went down to 800,000.00 pesos because of market volatility if something happens to the insured beneficiary gets 1.25M pesos.

But in Mutual Funds if  1,000,000.00 pesos investment  went to 800,000.00 pesos and something happens , he gets 800,000.00 less estate tax. Money won’t be released unless all assets subject to estate tax are settled.  

Advantage #3

If something happens to the owner/ insured,  beneficiary/ies can get the money easily but will be subjected to estate tax if the assigned beneficiary is revocable. . Unlike in Mutual Funds  - you cannot get the money unless estate tax are duly  settled.

On the other hand investment ( VUL) shall not be subjected to estate tax if it is stated the beneficiaries  are irrevocable.


Disadvantage

There is a minimum amount required to invest in Single Pay VUL, unlike in MF you can start as low as 5,000.00 pesos.

Kindly see Estate Tax table below to give you an idea about the charges:

Sample:

Actual Client - Invested in Single Pay VUL - Equity
Investment -                     Php 500,00.00      - Sept 2011
Actual Fund Value  -       Php 851,000.00    as of Sept 9,2014
Gain -                                        351,000.00  or 70.0%
average return per annum -    23.4 %  

Note:  Depends on Single Pay VUL Plan and insurance company, it can be subjected to contestability and holding period and administrative charges

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Manila Water part 2 as of 9-3-14

Manila Water Chart by COL Financial



MWC is having a hard time breaking the 30.00 resistance. It tried approximately 5 times but it failed.

Range is from  27.00 - 30.00.  The Psychological resistance is 30.00 and support is at 27.00. Other support points we see are below 29 near sma 20 and ema 22 and 28.22.
Might be good to sell at 30.00 at the moment.


We mentioned that before that  we are looking at 29-32 as target price.  Please see previous chart below dated 8-7-2014.
At this stage we need to break the 30.00 resistance to be able to hit 32.00.


From 27.80 to 30.00  is around 7.9%.

 

Please note that materials contained in this article are for educational purposes only, it is not a recommendation to BUY or SELL any security. How the information would be used would be at the discretion of the reader.

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SMPH -will it break out soon?

SMPH Chart as of 8-22-14

Chart courtesy of COL Financial




What does the chart say?

Price is very near if not at the resistance level.  We see a hanging man candlestick,usually it's a reversal sign especially on uptrend mode.

Indicators:

Resistance -approx. 16.66
Support 1-  16.00 -SMA 20 line
Support 2-   15.79

MACD - +
RSI - near overbught
CCI - overbought


We can Buy when it breaks out of RESISTANCE, as long as the new support when hold. Sell if it breaks the new support.
If it cannot break the current resistance and it  reverses buy near the identified support/s.

**Please note that materials contained in this article are for educational purposes only, it is not a recommendation to BUY or SELL any security. How the information would be used would be at the discretion of the reader.

 

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Do you know that only 2% of Filipinos are financially independent by the age of retirement?

Why do you need to plan for  your retirement?

Based on survey only 2% are financially independent by retirement age, so what happens to the 98%?
Looking at the table above, 45% depend on their relatives, 30% rely on charity and 22% continue to work.


Please do not join the 98% of the retirees, plan for your retirement early while you still have enough time !


Now, how do we compute for the right numbers?

Let's see the situation below:

Dear Finance Maverick,

I am 45 years old, male and head of the family. My monthly expenses are around 50,000.00 pesos a month. I want to prepare for my retirement. I want to retire at age of 65. How much money do I need to save to be able to live comfortably when that time comes?

Thanks,

Mr. Anonymous

TABLE 2

After 20 years, cost of living of 600,00.00 per year will become 1,591,978.62 per year because of 5% inflation. Please see above table 2.0


Now if the retiree will still live  up to 80 years old , that's 15 more years. We will multiply  1,591,978.62 by 15 years,  then we will be needing  23,879,679.40.( Inflation not factored in  anymore since 15 years is just an assumption)



If he had other assets by the time or retirement, let's say retirement money from employer  amounting to 3.0 M plus 2.0M  other type assets, then we can  deduct 5.0 M from 23.979 M, net amount will be needing is 18.979 M.  

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PCOR Chart as of 8-22-14

PCOR suffered a big decline from 12.70 to 11.62, down by 8.50%.

Currently the price is located the at support. If you are already itching to buy this stock, you can buy near the support, as long as this support (11.60) holds and sell if it breaks.
If not let's wait for a clear reversal before we enter.




Range between 11.60 - 12.22, bigger range 11.60 - 12.84.
Resistance points 12.22 and 12.84 which are also our target points.

other indicators:

RSI - OVERSOLD
CCI - OVERSOLD

Analysis done by Finance Maverick Philippines. 

Please note that materials contained in this article are for educational purposes only, it is not a recommendation to BUY or SELL any security. How the information would be used would be at the discretion of the reader.

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AP breaks of out consolidation!

Chart by COL Financial as of 8-20-14

2 year chart

Looks a like cup with and handle in the making or another rounding bottom in the making?

After breaking out from the 38.00 pesos resistance, there was a gap up  the following day with a gain of 1.3% and the price closing at 39.00. Next resistance points will be 40.00 and 42.00.

New  support  is at  38.00 and major support at 36.00.


The price breaks out of long consolidation of the 36.00 to 38.00 range. With this break out, we expect it to trade between 38.00 to 40.00 as long as the 38.00 support holds.Please see chart below highlighting the consolidation time frame.



6 month Chart

Please note that materials contained in this article are for educational purposes only, it is not a recommendation to BUY or SELL any security. How the information would be used would be at the discretion of the reader.

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