Investing: 10 Golden Rules


Understanding these rules makes it easier to invest with confidence – not being daunted by market uncertainty nor being tempted to seek safety in the herd behavior of other investors.
None of us can predict what stock markets will do next, but by being informed and then investing for the right reasons, we can move the odds further in our favor.

Rule #1: Pay close attention to the treatment of minority shareholders.
– An independent board of directors is one of the key elements to ensure fair treatment of minority shareholders.
– Conflicts of interest is not limited to Asia and Emerging Markets.
– Investors need to do their homework and to understand the background and track record of a company.
Rule #2: Companies are about people not assets
– Is the management team competent, objective and trustworthy?
– Does the CEO hold too much power?
– Does the company value its staff and promote good company culture?
Rule #3: Balance sheet strength is critical
– Does a company’s balance sheet fully reflect its financial health?
– Is the business model and structure too complicated?
– Has the company spent its cash flow effectively?

Rule #4: Understand what you are buying
– Before investing, one should understand the company fundamentals and operation model.
– Try to resist being over-confident and keep investment boom in perspective.
– Simple business and companies with natural monopolies are usually the most preferred.
Rule #5: Be wary of over-ambition
– Local successful story does not necessarily translate to overseas.
– Companies who are overambitious in expansion may end up with operations failure.
– Firms that focus on their core business are worth for investing.
Rule #6: Think long term
– Investors should establish a long-term investment thinking and avoid short-term speculation.
– Short-term volatility are mostly irrational.
– It’s important to assess a company’s long-term outlook.
Rule #7: Benchmarks are measuring devices
– The biggest risk in investment is following the herd.
– Benchmark cannot fully reflect a holistic market prospects and opportunities.
– Investors have to adjust their strategies from time to time and develop their own investment philosophy.
Rule #8: Take advantage of irrational behavior
– Take advantage of others’ seeming irrationality.
– Riding with the tides and follow others blindly are the most dangerous investment behavior.
– Investors should stay calm and be rational at all time.
Rule #9: Do your own research
– Be accountable for own investment decisions based on research.
– Never allow blind faith to replace thorough research into a potential investment.
– Long term performance can only be achieved when investors are willing to do things differently, and on their own terms.
Rule #10: Focus on industries in which it is possible to have a sustainable competitive advantage
– A higher set up cost is one of the competitive advantages for business to remain sustainable.
– A trustworthy brand is more resilient to competitor’s challenge.
– Make sure your investment targets embrace competitive edge in their industries and markets.

(Source: Aberdeen Asset Management)
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cfa head shares financial wellness (9/14/2015) - April Tan, Chartered Financial Analysts PHILIPPINES President from the COL Financial Group, Inc. shared tips on how to become and remain financially fit. Q&A session moderated by Rose Fres Fausto
CFA: GLOBAL PASSPORT TO FINANCE INDUSTRY (9/15/2015) - Robert Ramos, CFA PHILIPPINES VP for Continuing Education, Asset manager Unionbank of the Philippines shared his journey in obtaining his CFA charter and the benefits he derived from having one
CHARTERED FINANCIAL ANALYSTS TALK R & R (9/15/2015) - Marvin Fausto from the COL Financial Group, Inc., Michaelangelo Oyson, CFA from BPI Securities and Mr. Fernand Tansingco, CFA from Metrobank talked about the return potential and the risks in these different financial products at the 2nd Philippine Junior Finance and Investment Summit.
COMPOUND INTEREST 8TH WONDER OF THE WORLD (9/19/2015) - Neil Grover, CFA Institute Asia Pacific Head of Education quotes Albert Einstein in setting the tone of the 2nd Philippine Junior Finance and Investment Summit: "Compound interest is the eight wonder of the world. Those who understand it earn it; those who don't pay it."
FINANCIAL ANALYST CLARIFIES CLARITAS (9/14/2015) - Richard McGillivray, Director of Institutional Partnership of the CFA Institute Asia Pacific discussed the Claritas program ‬
FINANCIAL ANALYSTS SHARE CAREER SUCCESS (9/16/2015) - Following the 2008 global financial crisis, many people have been questioning whether pursuing a career in Finance is a wise decision.
IS RP ECONOMY ENTERING ITS GOLDEN AGE? (9/15/2015) - Expert discusses why our economy is experiencing significant advancement and how government is ensuring sustainable development.
Learn from his two decades experience as financial analyst and business owner. Andrew has created a simple, easy to understand, comprehensive way to get any management team focused on the financial measures that matter. Andrew Stotz, CFA has lived in Thailand since 1992 and has been a university lecturer and equity analyst since 1993. He graduated with a BS. in finance and an MBA from California State University. Andrew was a strategist for Maybank Kim Eng Securities (Thailand) and previously was the head of research at CLSA Thailand. As a stock market analyst since 1993 Andrew has written thousands of pages of equity strategy and company research. He has spent the last six years managing research teams in Thailand and has written strategy regularly during that time. He was voted #1 analyst in Thailand in the Asiamoney Brokers Poll 2009 and 2008 and also was voted #1 analyst in Thailand in the 2009 Institutional Investor Magazine All-Asia Research Team Report. Meanwhile his research team at CLSA Thailand was voted number one in both of the above surveys and also in the 2009 Greenwich client survey. Andrew has been a part time lecturer in finance for 19 years at various universities in Thailand. Additionally he is vice president of the CFA Society of Thailand. Andrew is the finance director and co-owner of CoffeeWorks Co. Ltd., Thailand’s leading specialty coffee roaster since 1995. Make My company financially world class (8/15/2016) - If you want to Make Your Company Financially World Class, attend The Society Events' seminar by Mr. Andrew Stotz, Ph.D, CFA CEO, September 28-29, 2016 l 9:00 a.m. - 4:00 p.m. Holiday Inn Manila Galleria
Got questions about the stock market, trends, or stock picks? Join COL Financial Group, Inc.LIVE TWEET SESSION WITH head of research April Lee Tan August 31, 2016 3:30 to 4:30 pm Wednesday questions: stock Market, trends, picks? (8/27/2016) - Join COL Financial Group, Inc. LIVE TWEET SESSION WITH head of research April Lee Tan
STANDOUT IN THE FINANCE JOB MARKET (9/14/2015) - It is extremely difficult to get a job which fits one’s skill set today. Hence, it is very important to be able to be noticeable in the current competitive finance job market. Mr. Yung Mi Chin from Viventis Search Asia shared tips on how to do just that. ‪

GUERRERO: We Have an Interesting President


Video interview with seasoned local investor Kit Guerrero on January 13, 2017 by Rom Cumagun via facebook messenger and aired live over facebook. Kit has been a diligent student of stocks investing ever since he took over his father’s dwindling funds and turned around its fortunes. He has been combining reading books, interviewing experienced investors and actual online stocks investing. Because of his persistent efforts, he is now able to diversify his investments into real estate.

“Stocks investing is not for the fearful,” he warned before he shared his thoughts on stocks investing 2017, “because it is money that you have saved and don’t want to lose. 2017 can be a make or break year for the Philippines. You might get a shock in 2017.

Despite the warning I still encourage first time investors to invest in Philippine equities. I encourage them because they are buying a business; they become part owners no matter how tiny.

The Philippines is economically and politically positioned to go up in the next several years. We have an interesting president who has moved in so many areas within three or four months — accomplishments equal to 1.5 years of work.

Let us continue to pray for Pres. Duterte… that he brings us to the right decisions: international alliances, trade partnerships, keeping the incumbent head of the Banko Sentral… ”

Kit so generously promised that he will be constantly available to guide followers of this blog in the learning process of stocks investing.

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cfa head shares financial wellness (9/14/2015) - April Tan, Chartered Financial Analysts PHILIPPINES President from the COL Financial Group, Inc. shared tips on how to become and remain financially fit. Q&A session moderated by Rose Fres Fausto
CFA: GLOBAL PASSPORT TO FINANCE INDUSTRY (9/15/2015) - Robert Ramos, CFA PHILIPPINES VP for Continuing Education, Asset manager Unionbank of the Philippines shared his journey in obtaining his CFA charter and the benefits he derived from having one
CHARTERED FINANCIAL ANALYSTS TALK R & R (9/15/2015) - Marvin Fausto from the COL Financial Group, Inc., Michaelangelo Oyson, CFA from BPI Securities and Mr. Fernand Tansingco, CFA from Metrobank talked about the return potential and the risks in these different financial products at the 2nd Philippine Junior Finance and Investment Summit.
COMPOUND INTEREST 8TH WONDER OF THE WORLD (9/19/2015) - Neil Grover, CFA Institute Asia Pacific Head of Education quotes Albert Einstein in setting the tone of the 2nd Philippine Junior Finance and Investment Summit: "Compound interest is the eight wonder of the world. Those who understand it earn it; those who don't pay it."
FINANCIAL ANALYST CLARIFIES CLARITAS (9/14/2015) - Richard McGillivray, Director of Institutional Partnership of the CFA Institute Asia Pacific discussed the Claritas program ‬
FINANCIAL ANALYSTS SHARE CAREER SUCCESS (9/16/2015) - Following the 2008 global financial crisis, many people have been questioning whether pursuing a career in Finance is a wise decision.
IS RP ECONOMY ENTERING ITS GOLDEN AGE? (9/15/2015) - Expert discusses why our economy is experiencing significant advancement and how government is ensuring sustainable development.
Learn from his two decades experience as financial analyst and business owner. Andrew has created a simple, easy to understand, comprehensive way to get any management team focused on the financial measures that matter. Andrew Stotz, CFA has lived in Thailand since 1992 and has been a university lecturer and equity analyst since 1993. He graduated with a BS. in finance and an MBA from California State University. Andrew was a strategist for Maybank Kim Eng Securities (Thailand) and previously was the head of research at CLSA Thailand. As a stock market analyst since 1993 Andrew has written thousands of pages of equity strategy and company research. He has spent the last six years managing research teams in Thailand and has written strategy regularly during that time. He was voted #1 analyst in Thailand in the Asiamoney Brokers Poll 2009 and 2008 and also was voted #1 analyst in Thailand in the 2009 Institutional Investor Magazine All-Asia Research Team Report. Meanwhile his research team at CLSA Thailand was voted number one in both of the above surveys and also in the 2009 Greenwich client survey. Andrew has been a part time lecturer in finance for 19 years at various universities in Thailand. Additionally he is vice president of the CFA Society of Thailand. Andrew is the finance director and co-owner of CoffeeWorks Co. Ltd., Thailand’s leading specialty coffee roaster since 1995. Make My company financially world class (8/15/2016) - If you want to Make Your Company Financially World Class, attend The Society Events' seminar by Mr. Andrew Stotz, Ph.D, CFA CEO, September 28-29, 2016 l 9:00 a.m. - 4:00 p.m. Holiday Inn Manila Galleria
Got questions about the stock market, trends, or stock picks? Join COL Financial Group, Inc.LIVE TWEET SESSION WITH head of research April Lee Tan August 31, 2016 3:30 to 4:30 pm Wednesday questions: stock Market, trends, picks? (8/27/2016) - Join COL Financial Group, Inc. LIVE TWEET SESSION WITH head of research April Lee Tan
STANDOUT IN THE FINANCE JOB MARKET (9/14/2015) - It is extremely difficult to get a job which fits one’s skill set today. Hence, it is very important to be able to be noticeable in the current competitive finance job market. Mr. Yung Mi Chin from Viventis Search Asia shared tips on how to do just that. ‪
Marist school afternoon shift scholars learn theater arts #makemoneyandmeaning Meet the beneficiaries of the Marist School Marikina Afternoon Shift Scholarship Program . This is the outreach program for financially deficient but deserving students that the Marist School Afternoon Shift Alumni Association is endeavoring to raise more scholarship funds. For donors and would be donors, with your help, more of them will have the benefit of acquiring Marist education Contact Core group & Batch Reps for Donations: Dennis Solano teachdsolano@gmail.com Rosemarie Congayao Jimenez rosemacongayao@yahoo.com Shiela Bautista shiela.bautista@olopsc.edu.ph Danics De La Paz danics_8poh@yahoo.com Mhalou Baldomar Navida mbaldomar@ymail.com Rom Cumagun romcumagun@yahoo.com‪ #‎makemoneyandmeaning‬

MSAS scholars learn theater arts



Marist school afternoon shift scholars learn theater arts #makemoneyandmeaning

Meet the beneficiaries of the Marist School Marikina Afternoon Shift Scholarship Program. This is the outreach program for financially deficient but deserving students that the Marist School Afternoon Shift Alumni Association is endeavoring to raise more scholarship funds.

Facilitating workshop is Ateneo de Manila University Prof. (former ENTABLADO) Jethro Niño Punzalan Tenorio.

For donors and would be donors, with your help, more of them will have the benefit of acquiring Marist education

Contact Core group & Batch Reps for Donations: Dennis Solano teachdsolano@gmail.com Rosemarie Congayao Jimenez rosemacongayao@yahoo.com Shiela Bautista shiela.bautista@olopsc.edu.ph Danics De La Paz danics_8poh@yahoo.com Mhalou Baldomar Navida mbaldomar@ymail.com Rom Cumagun romcumagun@yahoo.com #‎makemoneyandmeaning‬

IMG_3370Help Filipinos Make Money & Meaning #makemoneyandmeaning

Donate Button with Credit Cards

deposit cash to
Jose Romualdo B. Cumagun
Bank of the Philippine Islands 355331550505

or send checks payable to
Jose Romualdo B. Cumagun
117 Bonanza St. Rancho Estate 2 Marikina City 1181 Philippines

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How to delight your customers, create an irresistable brand, and be generally amazing on facebook (and other social social networks) by Dave Kerpen to be presented by MARIST SCHOOL AFTERNOON SHIFT ALUMNI ASSOCIATION & THE PHILIPPINE CORPORATE ADDRESS BOOK Listen First, and Never Stop Listening Way Beyond “Women 25 to 54” Define Your Target Audience Better Than Ever Think — and Act — Like Your Consumer Invite Your Customers to be Your First Fans Engage: Create True Dialogue with, and Between Your Customers Respond Quickly to All Bad Comments Respond to the Good Comments, Too. Be Authentic Be Honest and Transparent Should You Ask a Lot of Questions Provide Value (Yes, for Free!) Share Stories (They’re Your Social Currency) Inspire Your Customers to Share Stories Integrate Social Media into the Entire Customer Experience Use Social Network Ads for Greater Impact Admit When You Screw Up, Then Leverage Your Mistakes Consistently Deliver Excitement, Surprise and Delight Don’t Sell! Just Make it Easy and Compelling for Customers to Buy likeable social Media: an oral book report (8/24/2016) - to be presented by MARIST SCHOOL AFTERNOON SHIFT ALUMNI ASSOCIATION & THE PHILIPPINE CORPORATE ADDRESS BOOK
Marist School Afternoon Shift Scholarship Fund Raising #makemoneyandmeaning Conversation with Marist (afternoon shift) ’99 Rosemarie Congayao Jimenez Core Group Member Marist School Afternoon Shift Alumni Association regarding the impact of her Marist Afternoon Shift High School education in her life. She has been widowed from husband Enrico Hermosa Jimenez, left to raise three boys Andriuz Ric, Kingal Ric & Seanne Ivan. by Marist (day high) ’82 Rom Cumagun Communication Prof. Rom Cumagun education blogger The Philippine Corporate Address Book They invite friends to support their project to increase the number of scholarships granted to financially deficient but deserving students to the Marist School Afternoon Shift High School Program.This is a production by Marist Afternoon Shift Web.tv.film Video features batch 1999 Graduation Song PAGTATAPOS Parang kailan lang Kung panaho’y babalikan Mga pangarap na binuo’y Malapit nang makamtan Bagong yugto na naman Ang ating haharapin Pangarap at tagumpay Ay pilit nating abutin Chorus: Pag-akyat sa entablado Ikintal sa isip at puso Hirap at pagod ng mga magulang Ay alay sa inyo Isang munting pasasalamat Ialay sa kanila mula sa inyo…. Contact Core group & Batch Reps for Donations: Dennis Solano teachdsolano@gmail.com Rosemarie Congayao Jimenez rosemacongayao@yahoo.com Shiela Bautista shiela.bautista@olopsc.edu.ph Danics De La Paz danics_8poh@yahoo.com Mhalou Baldomar Navida mbaldomar@ymail.com Rom Cumagun romcumagun@yahoo.com‪ #‎makemoneyandmeaning‬ Marist afternoon shift scholarship fund-raising (8/30/2016) - Conversation with Marist (afternoon shift) '99 Rosemarie Congayao Jimenez Core Group Member Marist School Afternoon Shift Alumni Association regarding the impact of her Marist Afternoon Shift High School education in her life.
Dear Members, would be members Marist School Afternoon Shift Alumni Association & The General Public: If there is a way for each of you to help raise scholarship funds for MSASAAI, would you participate? I am hoping your responses are unanimously “Yes, I will help raise scholarship funds for the tuition of more Marist School Afternoon Shift High School Students!” You may have noticed by now that I have incorporated MSASAAI as a major page in my blog. I envision this page, and all the posts related to it, as the most engaging in the blogosphere. I can see donors around the world who are entertained and educated by the posts here; much more, I see them encouraged to donate funds for the tuition of more financially deficient but deserving Marist Afternoon Shifters. Why should they be engaged? They will be engaged because they will see in this page all the talents of the members displayed on Marist School Afternoon Shift WebTV Show. This show will be a variety show on steriods (singing, dancing, acting, documentary, talk show, short film, music tv, dance tv … etc, etc,) The core campaign of the show is “Hello Friends of MSASAAI, Please donate scholarship funds.” In order to produce this show, we will need all the expertise from the members, would be members, and supportive public: Directors, Cinematographers. Hosts, Copy & Video Editors, Musicians, Performers, Writers, Graphic Designers, Critics, Caterers, Production Assistants, Project Managers & Admin Staff, Finance Managers & Staff … and more. Those who don’t have the expertise yet, but are willing to help and interested to learn the ropes of TV/Film production, are welcomed to join. For those interested, we can all see each other during the batch rep meeting on August 21 at Marist School Marikina. You may contact me beforehand via mobile +639272211966, +639087784640 romcumagun@yahoo.com Sincerely, Rom Cumagun THE PHILIPPNE CORPORATE ADDRESS BOOK Help Filipinos Make Money & Meaning #makemoneyandmeaning Marist school afternoon shift web.tv.filM (8/17/2016) - "Yes, I will help raise scholarship funds for the tuition of more Marist School Afternoon Shift High School Students!"
Marist school afternoon shift scholars learn theater arts #makemoneyandmeaning Meet the beneficiaries of the Marist School Marikina Afternoon Shift Scholarship Program . This is the outreach program for financially deficient but deserving students that the Marist School Afternoon Shift Alumni Association is endeavoring to raise more scholarship funds. For donors and would be donors, with your help, more of them will have the benefit of acquiring Marist education Contact Core group & Batch Reps for Donations: Dennis Solano teachdsolano@gmail.com Rosemarie Congayao Jimenez rosemacongayao@yahoo.com Shiela Bautista shiela.bautista@olopsc.edu.ph Danics De La Paz danics_8poh@yahoo.com Mhalou Baldomar Navida mbaldomar@ymail.com Rom Cumagun romcumagun@yahoo.com‪ #‎makemoneyandmeaning‬ MSAS scholars learn theater arts (8/30/2016) - Meet the beneficiaries of the Marist School Marikina Afternoon Shift Scholarship Program .
Marist School Afternoon Shift Alumni Association Core Group & Batch Reps Meet Up at the Student Activity Center August 21, 2016 MSASAA… invites friends to support their project to increase the number of scholarships granted to financially deficient but deserving students to the Marist School Afternoon Shift High School Program. Contact Core group & Batch Reps for Donations: Dennis Solano teachdsolano@gmail.com Rosemarie Congayao Jimenez rosemacongayao@yahoo.com Shiela Bautista shiela.bautista@olopsc.edu.ph Danics De La Paz danics_8poh@yahoo.com Mhalou Baldomar Navida mbaldomar@ymail.com Rom Cumagun romcumagun@yahoo.com‪ #‎makemoneyandmeaning‬ Msasaa core group & batch reps Meet up (8/22/2016) - MSASAA… invites friends to support their project to increase the number of scholarships granted to financially deficient but deserving students to the Marist School Afternoon Shift High School Program.