Guidance for Stock Market Investing Exclusively for TrulyRichClub Members

Note: To understand the Stocks Update, first read Bos Ebook, My Maid Invests in the Stock Market.
Click here www.TrulyRichClub.com to download now.

August 2015

Volume 6, No. 15

Two Great Magical Things You Should

Never Make Your Enemies
Greece has been on my mind lately.
And its just because of the vegetable moussaka I had last week.
Im sure you know absolute chaos happened there: for awhile, the stock market shut down and all banks
were closed. People formed long lines at the ATMS, but they
could only withdraw 60 Euro a day. Today, the news was
worse: leading finance experts are saying that Greece will
enter into a permanent depression unless some drastic
thing happens
What caused this crisis? In one word, debt.
They borrowed too much money and couldnt pay for
it.
Ive now realized that almost all financial crises
whether it be in a country, or a corporation, or a small
business, or in an individuals lifehappen because of the
same reason.
Debt. The difference is just how many zeroes.
Ive seen it too often. And its nuts. Youd think people
are wiser and will not borrow more than what they can pay.
Announcement: People are not wise when theyre
addicted.
And debt is an addiction.
There, Ive said it.
I think my Uncle Warren Buffett believes it too. (He still
doesnt know Im his nephew, so shhhhh!.)
He said, Ive seen more people fail because of liquor and
leverage -- leverage being borrowed money. You really dont
need leverage in this world much. If youre smart, youre going
to make a lot of money without borrowing.
Why am I talking about borrowing when I should be talking about the stock market?
The reason is simple: Borrowing and investing are very powerful because of two magical thingstime and
compounding interest. A little debt seems harmlesslike a drizzle. But if you apply these two magical things
time and compounding interest, the drizzle becomes a mega-cyclone-hurricane.
Last week, I talked with a woman whobecause of an emergencyborrowed P70,000 from her credit card.
Five years later, she has five credit cards, all maxed out, plus personal loans, totaling P2 Million. She wants to kill
herself.

Stocks Update

Page 1 of 8

She is just like Greece. Bonsai version.

But friend, this is exactly the same reason why investing (in the stock market, using SAM) is equally powerful:
It also uses the magic of time and compounding interest. This is the exact reason why one of our companys
messengerswho started investing three years agonow has P250,000+ in his stock market portfolio. It has
changed his life. He knows his future is bright.
The ONLY way to be rich is to make those two magical thingstime and compounding interestyour
ally, not your enemy.
Please be careful with the drug called debt.
Keep investing.
And keep inviting people to the TrulyRichClub.
May your dreams come true,

Bo Sanchez
P.S. Id love to see you face-to-face! Besides, if youve not yet attended my Banner seminar on the stock market,
you should. Itll clarify a lot of things in your mind. Join me for my How to Make Millions in the Stock Market
Seminar on August 29. I promise you, youll not only learn a TON about stock market investing, youll receive a fire
within you, a passion to grow your wealth via the stock market. Warning: Seats run out quickly. For more details,
click the link below:
Yes Bo, Tell Me More About The August 29 Seminar

Stocks Update

Volume 6, No. 15

August 2015

Page 2 of 9

Managing Growth Expectations

By Mike Vias

Right now, our market is undergoing a correction that was originally brought about by disappointing 1st
quarter corporate earnings and GDP growth. Another reason for the market correction is that foreign funds are
flowing out of our country, Thailand, and Indonesia and going to countries in North Asia. Furthermore, the concerns
of a possible Greek default also contributed to negative sentiment causing the sideways movement of our market.
Now, the attractiveness of North Asian markets and the possibility of a Greek default are no longer concerns.
However, the short-term outlook for the stock market remains cautious. This was seen in the deterioration of
earnings outlook of listed companies affirmed by the decrease of the 2015 end Earnings Per Share (EPS) growth of
the PSEi from 15 percent to 4 percent. For this reason, COL Research reduced their 2015 end PSEi target from 8,300
to just 7,950. In addition, threats outside the country remain, particularly the sell-off of Thailand and Indonesian
stock markets (which are considered our countrys peers in the region) and the upcoming Fed rate hike in the US.
All these developments should manage growth expectations for our market.
Nonetheless, we believe that the markets weakness is only temporary. At the moment, the Philippines is
still one of the best fundamental long-term stories in the world. To prove this, the countrys economic growth
of more than 6 percent is seen to be faster than the average economic growth of developed (2.5 percent) and
developing (5.5 percent) nations globally in the last few years. Government spending is also picking up coming
from a disappointing start during the 1st quarter of the year. Government spending is up by around 9 percent for
April and May. Finally, we continue to have strong current account position with about 4.4 percent of GDP because
of the resilience of OFW remittances and the continuous growth of the BPO sector. This makes the Philippines more
resilient to sharp interest rate hikes or weakness in our currency.
Globally, liquidity conditions remain favorable for stocks as the US is the only country expected to raise
interest rates soon while Europe, Japan, and China continue to increase liquidity.
Currently, there are no indications that we are entering a bear market in spite of the ongoing weakness of the
market. However, in spite of the deterioration in outlook compared to earlier this year, there are still industries that
enjoy favorable near-term outlook. These are airlines, banks, properties, and power.
With all these developments and factors, we recommend for investors to remain invested and continue
buying our SAM stocks that are below their Buy Below Price.

Company Update: URC

During the 1st quarter of this year, URC posted a net income of P3.3 billion. This is higher by 12.6 percent
compared to the same period as last year. Operating results were better than expected as revenue growth continued
to be strong while branded the food business segment continue to show improvements in margins.
The companys local operations continue to be strong with the domestic
branded food segment delivering strong results with its sales growing by 16.9
percent to P14.8 billion. Beverages on the other hand, continued to lead growth
with sales increasing by 25.8 percent compared to the same period in 2014. Its
coffee segment primarily drove this. Moreover, this growth was further supported
by an 8.1 percent expansion in snack food sales.
Earnings before interest and taxes (EBIT) margins continued to improve to
18.5 percent during the 1st quarter of 2015 from 16.5 in 2014. According to the
company, the improvement in margins was caused by better product mix and
stable raw materials costs.
Moving forward URC expects to face stiffer competition in the coffee segment. According to the company,
Nestle is cutting its prices (selling prices) below URCs Great Taste Coffee, buying shelf space and giving incentives

Stocks Update

Volume 6, No. 15

August 2015

Page 3 of 9

to distributors. Although URC does not foresee this move of Nestle as sustainable, the companys business could
take a hit in the short-term. Also, URC said that although it has not adjusted prices in response to the competition,
it expects to spend more on advertising and promotion in the 2nd half of this year.
Another challenge for URC in the short-term is weakness in its sales particularly in the Visayas and Mindanao
areas. This weakness of its coffee segment along with the softness being experienced in Vis-Min might hurt URCs
ability to meet revenue forecasts for the whole year of 2015.
Given these challenges of URC in the near term and its elevated valuations, it is projected that it might be
difficult for the stock to outperform the market in the next few months. Thats why we came out with the Hold for
URC recently. However, we still believe in the long-term growth of this company. So stay tuned when you can buy
URC again when it goes below its Buy Below Price of P200.00. For now, you may continue to buy the SAM Stocks
that are under its Buy Below Price.
Happy investing!
P.S. If you would like to hear me live, I conduct free seminars every Friday at the COL Financial Training Center
teaching the basics of long-term investing in the Stock Market. You may sign-up for these seminars at www.
colfinancial.com.
I also give powerful talks on various engaging and practical topics every Sunday, 9:00 AM at Feast ATC in
Cinema 2 of Alabang Town Center. Come by. Its for free!

Here are our SAM Tables for (as of August 5, 2015 closing).
STOCK

Current Price

Buy Below Price

Target Price

AC

794.00

762.60

877.00

Stop buying

CEB

97.00

124.80

156.00

Continue Buying

13.70

Stop Buying
as per Bro. Bo

10.96

Action to Take

EEI

9.85

FGEN

26.75

28.80

36.00

Continue Buying

FLI

2.00

1.94

2.42

Stop buying

GTCAP

1,429.00

1,278.26

1470.00

Stop Buying

LRI

9.99

12.68

15.85

Stop Buying
as per Bro. Bo

MEG

4.85

4.69

5.86

Stop Buying

SMPH

22.00

20.52

23.60

Stop Buying

URC

200.00

200.00

230.00

Stop Buying
as per Bro. Bo

Stocks Update

Volume 6, No. 15

August 2015

Page 4 of 9

STOCK
SYMBO

DATE
BOUGHT

PRICE
BOUGHT

PRICE TODAY

ESTIMATED
RETURN

BUY BELOW
TARGET PRICE
PRICE

EXPECTED
GROWTH

AC

Jul-13

603.50

794.00

31.57%

654.80

753.00

24.77%

Aug-13

598.50

794.00

32.66%

602.40

753.00

25.81%

Sep-13

580.00

794.00

36.90%

602.40

753.00

29.83%

Oct-13

601.50

794.00

32.00%

602.40

753.00

25.19%

Nov-13

569.50

794.00

39.42%

602.40

753.00

32.22%

Dec-13

555.00

794.00

43.06%

602.40

753.00

35.68%

Jan-14

525.00

794.00

51.24%

599.13

689.00

31.24%

Feb-14

538.50

794.00

47.45%

599.13

689.00

27.95%

Mar-14

574.00

794.00

38.33%

599.13

689.00

20.03%

Apr-14

590.00

794.00

34.58%

599.13

689.00

16.78%

Aug-14

704.00

794.00

12.78%

709.00

816.00

15.91%

Oct-14

688.00

794.00

15.41%

709.00

816.00

18.60%

Nov-14

690.00

794.00

15.07%

709.00

816.00

18.26%

Dec-14

689.00

794.00

15.24%

709.00

816.00

18.43%

Feb-15

730.00

794.00

8.77%

743.48

855.00

17.12%

Mar-15

732.00

794.00

8.47%

743.48

855.00

16.80%

Apr-15

800.00

794.00

-0.75%

762.61

877.00

9.63%

Jun-15

772.50

794.00

2.78%

762.61

877.00

13.53%

TOTAL

25.83%

CEB

Nov-14

76.70

90.40

17.86%

78.26

90.00

17.34%

Dec-14

85.00

90.40

6.35%

130.43

150.00

76.47%

Jan-15

94.70

90.40

-4.54%

124.80

156.00

64.73%

Feb-15

92.30

90.40

-2.06%

124.80

156.00

69.01%

Mar-15

88.50

90.40

2.15%

124.80

156.00

76.27%

Apr-15

84.40

90.40

7.11%

124.80

156.00

84.83%

May-15

84.30

90.40

7.24%

124.80

156.00

85.05%

Jun-15

83.65

90.40

8.07%

124.80

156.00

86.49%

Jul-15

90.40

90.40

0.00%

124.80

156.00

72.57%

Aug-15

97.00

97.00

0.00%

124.80

156.00

60.82%

TOTAL

4.22%

Legend:

n Continue Buying

Stocks Update

Volume 6, No. 15

n Stop Buying

August 2015

Page 5 of 9

STOCK
SYMBO

DATE
BOUGHT

PRICE
BOUGHT

PRICE TODAY

ESTIMATED
RETURN

BUY BELOW
TARGET PRICE
PRICE

EXPECTED
GROWTH

EEI

Oct-13

9.57

9.85

2.93%

10.40

13.00

35.84%

Nov-13

9.88

9.85

-0.30%

10.40

13.00

31.58%

Dec-13

9.70

9.85

1.55%

10.40

13.00

34.02%

Jan-14

10.04

9.85

-1.89%

11.04

12.70

26.49%

Feb-14

10.00

9.85

-1.50%

11.04

12.70

27.00%

Mar-14

11.00

9.85

-10.45%

11.04

12.70

15.45%

Jun-14

10.62

9.85

-7.25%

11.04

12.70

19.59%

Jul-14

11.00

9.85

-10.45%

11.30

13.00

18.18%

Aug-14

11.24

9.85

-12.37%

11.30

13.00

15.66%

Oct-14

11.10

9.85

-11.26%

11.30

13.00

17.12%

Nov-14

11.18

9.85

-11.90%

11.30

13.00

16.28%

Dec-14

10.70

9.85

-7.94%

11.91

13.70

28.04%

Jan-15

10.80

9.85

-8.80%

11.91

13.70

26.85%

Feb-15

9.99

9.85

-1.40%

10.96

13.70

37.14%

TOTAL

-5.79%

FGEN

Feb-15

29.00

26.75

-7.76%

32.43

37.30

28.62%

Mar-15

30.50

26.75

-12.30%

32.43

37.30

22.30%

Apr-15

29.40

26.75

-9.01%

31.30

36.00

22.45%

May-15

27.55

26.75

-2.90%

31.30

36.00

30.67%

Jun-15

25.30

26.75

5.73%

28.80

36.00

42.29%

Jul-15

26.00

26.75

2.88%

28.80

36.00

38.46%

Aug-15

26.75

26.75

0.00%

28.80

36.00

34.58%

TOTAL

-3.34%

Legend:

n Continue Buying

Stocks Update

Volume 6, No. 15

n Stop Buying

August 2015

Page 6 of 9

STOCK
SYMBO

DATE
BOUGHT

PRICE
BOUGHT

PRICE TODAY

ESTIMATED
RETURN

BUY BELOW
TARGET PRICE
PRICE

EXPECTED
GROWTH

FLI

Jun-15

1.84

2.00

8.70%

1.94

2.42

31.52%

TOTAL

8.70%

LRI

Jun-13

11.50

9.99

-13.13%

12.68

15.85

37.83%

Jul-13

11.00

9.99

-9.18%

12.68

15.85

44.09%

Aug-13

10.50

9.99

-4.86%

12.68

15.85

50.95%

Sep-13

9.72

9.99

2.78%

12.68

15.85

63.07%

Oct-13

9.10

9.99

9.78%

12.68

15.85

74.18%

Nov-13

9.25

9.99

8.00%

12.68

15.85

71.35%

Dec-13

8.82

9.99

13.27%

12.68

15.85

79.71%

Jan-14

8.71

9.99

14.70%

13.78

15.85

81.97%

Feb-14

9.00

9.99

11.00%

13.78

15.85

76.11%

Mar-14

8.99

9.99

11.12%

13.78

15.85

76.31%

Apr-14

9.24

9.99

8.12%

13.78

15.85

71.54%

May-14

9.97

9.99

0.20%

13.78

15.85

58.98%

Jun-14

9.59

9.99

4.17%

13.78

15.85

65.28%

Jul-14

9.95

9.99

0.40%

13.78

15.85

59.30%

Aug-14

9.85

9.99

1.42%

13.78

15.85

60.91%

Sep-14

9.87

9.99

1.22%

13.78

15.85

60.59%

Oct-14

9.49

9.99

5.27%

13.78

15.85

67.02%

Nov-14

9.50

9.99

5.16%

13.78

15.85

66.84%

Dec-14

9.40

9.99

6.28%

13.78

15.85

68.62%

Jan-15

10.04

9.99

-0.50%

13.78

15.85

57.87%

Feb-15

9.74

9.99

2.57%

12.68

15.85

62.73%

TOTAL

3.70%

MEG

May-13

4.23

4.85

14.66%

4.16

4.78

13.00%

Jun-13

3.67

4.85

32.15%

4.16

4.78

30.25%

Jul-13

3.15

4.85

53.97%

4.16

4.78

51.75%

Aug-13

3.40

4.85

42.65%

3.89

4.87

43.24%

Sep-13

3.21

4.85

51.09%

3.89

4.87

51.71%

Oct-13

3.64

4.85

33.24%

3.89

4.87

33.79%

Nov-13

3.58

4.85

35.47%

3.89

4.87

36.03%

Dec-13

3.23

4.85

50.15%

3.89

4.87

50.77%

Jan-14

3.36

4.85

44.35%

3.95

4.54

35.12%

Feb-14

3.78

4.85

28.31%

4.70

5.48

44.97%

Apr-14

4.43

4.85

9.48%

4.70

5.48

23.70%

May-14

4.65

4.85

4.30%

4.70

5.48

17.85%

Jun-14

4.51

4.85

7.54%

4.70

5.48

21.51%

Jul-14

4.47

4.85

8.50%

4.70

5.48

22.60%

Aug-14

4.26

4.85

13.85%

4.58

5.73

34.51%

Sep-14

4.30

4.85

12.79%

4.98

5.73

33.26%

Feb-15

5.09

4.85

-4.72%

5.10

5.86

15.13%

Jun-15

4.71

4.85

2.97%

4.69

5.86

24.42%

TOTAL

24.49%

Stocks Update

Volume 6, No. 15

August 2015

Page 7 of 9

STOCK
SYMBO

DATE
BOUGHT

PRICE
BOUGHT

PRICE TODAY

ESTIMATED
RETURN

SMPH

Oct-13

16.90

22.00

30.18%

17.20

21.50

27.22%

Nov-13

16.40

22.00

34.15%

17.20

21.50

31.10%

Dec-13

15.10

22.00

45.70%

17.20

21.50

42.38%

Jan-14

14.68

22.00

49.86%

16.73

19.41

32.22%

Feb-14

14.70

22.00

49.66%

16.73

19.41

32.04%

Mar-14

14.90

22.00

47.65%

16.73

19.41

30.27%

Apr-14

14.90

22.00

47.65%

16.80

19.41

30.27%

May-14

16.34

22.00

34.64%

16.80

19.41

18.79%

Jun-14

16.18

22.00

35.97%

16.80

19.41

19.96%

Jul-14

16.52

22.00

33.17%

16.80

19.41

17.49%

Aug-14

15.40

22.00

42.86%

17.60

20.30

31.82%

Sep-14

16.64

22.00

32.21%

17.60

20.30

22.00%

Oct-14

16.50

22.00

33.33%

17.60

20.30

23.03%

Nov-14

17.48

22.00

25.86%

17.60

20.30

16.13%

Dec-14

16.98

22.00

29.56%

17.60

20.30

19.55%

Jan-15

17.44

22.00

26.15%

17.60

20.30

16.40%

Feb-15

18.92

22.00

16.28%

20.52

23.60

24.74%

Mar-15

19.66

22.00

11.90%

20.52

23.60

20.04%

Apr-15

20.45

22.00

7.58%

20.52

23.60

15.40%

May-15

19.64

22.00

12.02%

20.52

23.60

20.16%

Jun-15

18.90

22.00

16.40%

20.52

23.60

24.87%

TOTAL

31.56%

URC

Jun-15

180.00

200.00

11.11%

200.00

230.00

27.78%

TOTAL

11.11%

Legend:

n Continue Buying

BUY BELOW
TARGET PRICE
PRICE

EXPECTED
GROWTH

n Stop Buying

Mike Vias is an Investment Trainer of COL Financial Group, Inc. He is a Certified Securities Representative
and Certified Investment Solicitor.

Stocks Update

Volume 6, No. 15

August 2015

Page 8 of 9

2014 Top Winners of TrulyRichClubs Stocks

If you followed our Stock Recommendations in the past, youd have enjoyed these earnings. Were reposting
this again to encourage you to be faithful to your monthly investments today for the stocks we recommend above.
Never give up. And youll have great winners 10 to 20 years from now!
Note: The percentage returns cannot be compared between the two tables below. The All Time Winners table
does not take into consideration a cost-averaging method. The percentage return is only from a buy-and-hold
strategy. The 2014 Table however integrates a cost-averaging method throughout the months it was under the
Buy-Below.

STOCKS

STOCK
SYMBOL

TIME
RECOMMENDED

ESTIMATED
TIME
HELD

PRICE
RANGE

ESTIMATED
RETURN

D&L Industries

DNL

February 2013 to April 2014

14 Months

P6.45 to P10.00

44%

PLDT

TEL

June 2013 to April 2014

10 Months

P2,902.00 to P3,260.00

16%

Banco De Oro

BDO

April 2013 to August 2014

16 Months

P89.60 to P93.00

24%

Top Past Winners of TrulyRichClubs Stocks

STOCKS

STOCK
SYMBOL

TIME
RECOMMENDED

ESTIMATED
TIME HELD

PRICE
RANGE

ESTIMATED
RETURN

Ayala Land

ALI

June 2011 to February 2012

(3rd week)

9 Months

P15.09 to P21.65

35%

Nickel Asia

NIKL

February 2012 to March

2012 (3rd week)

2 Months

P23.75 to P26.20

10.32%

Bank of The
Philippine Islands

BPI

February 2012 to November

2012 (4th week)

10 Months

P68.45 to P91.00

34.29%

Ayala Corporation

AC

October 2012 to December

2012 (2nd week)

2 Months

P440.00 to P520.00

17.65%

SM Prime Holdings

SMPH

February 2012 to December

2012 (1st week)

10 Months

P12.48 to P17.00

27.75%

Alliance Global

AGI

January 2013 to February

2013

1 Month

P17.54 to P20.50

16.88%

Meralco

MER

January 2013 to April 2013

3 Months

P268.00 to P377.00

28.05%

First Phlippine
Holdings

FPH

June 2011 to June 2013

25 Months

P63.18 to P95.20

32.92%

JG Summit Holdings

JGS

February 12 to October 2013

18 Months

P25.75 to P43.50

39.96%

D&L Industries

DNL

February 2013 to April 2014

14 Months

P6.45 to P10.00

44%

PLDT

TEL

June 2013 to April 2014

10 Months

P2,902.00 to
P3,260.00

16%

Banco De Oro

BDO

April 2013 to August 2014

16 Months

P89.60 to P93.00

24%

(Disclaimer: Past performance doesnt guarantee that youll have the exact same results in the future. After all, your
earnings all depend on the markets performance.)

Stocks Update

Volume 6, No. 15

August 2015

Page 9 of 9