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MONEY MARKET
Money market basically refers to a section of the financial market where financial instruments
with high liquidity and short-term maturities are traded. Money market has become a component
of the financial market for buying and selling of securities of short-term maturities, of one year
The Sun Life Prosperity Money Market Fund presents the least risk amongst all funds, however,
with the lowest possible returns. In retrospect, this Fund provides higher annual returns than your
bank savings account and doesn’t impose any sales load on you.
The Sun Life Prosperity Money Market Fund is for you if:
You want to have very low risk in your investment, but potentially earn better than
Don’t want to look too far into the horizon? Money Market Funds are beneficial as early
You're considering time deposits or opening a new savings account but are wondering if
The SB Peso Money Market Fund is for investors seeking short term growth by investing mainly
SB Peso Money Market Fund (Formerly “SB Peso Ease Fund”) aims to achieve short term
growth by investing mainly in bank and government deposits in short-term fixed income
instruments and all other instruments approved by the BSP. The Fund aims to surpass its
benchmark (gross of fees) which is 100% Philippine 30-Day Average Special Savings Account
We will be changing our Fund’s custodian from HSBC to Standard Chartered as part of our
continuous efforts in finding the best rates for our customers. The shift shall lower our fund
administration costs, ultimately boosting the returns of our Funds. This will be reflected in the
Client Suitability
The stock market refers to public markets that exist for issuing, buying and selling stocks that
fractional ownership in a company, and the stock market is a place where investors can buy and
critical to economic development, as it gives companies the ability to quickly access capital from
the public.
How to make money investing in the stock market?
There are over 200 stocks that trade on the Philippine stock exchange. Each of those stocks has a
number of shares.
For example:
If you want to buy shares of Jollibee, Globe Telecom, SM Prime, etc. you’re an actual part
owner of businesses when you buy their shares. With this ownership comes benefits and risks. If
the companies you buy stock in are profitable, their stock price will likely rise over long periods
of time. However, if you buy companies that are not profitable, their stock prices will likely fall
over periods of time. This brings us to the two ways you can make money in the stock market.
Capital Appreciation
Dividends
If you buy shares in a company, and the company is profitable, the stock price will likely
increase. If the stock price increases, you can then sell the stock on the Philippine Stock
Exchange. You will receive the money you invested in the stock, plus the growth. Also, if the
stock you own pays a dividend, you will receive a dividend while you own the stock.
For example:
If you owned San Miguel Corporation for 10 years, you would have received dividends over that
10-year time period. Those dividends would have been paid to you in cash – you could have
reinvested the dividends into more stock, or you could have kept the cash. It’s up to you what
2. Stocks offer the most growth potential compared to short-term bonds or other
investments. The rates are higher than the rates that most banks offer on an annual basis.
2018
Stocks to Watch: Fruitas, ripe to pick?
MANILA, Philippines – Food and beverage kiosk operator Fruitas Holdings is listing on the
main board of the Philippine Stock Exchange (PSE) on Friday, November 29.
History: The company started from a single kiosk in SM Manila back in 2002.
After 17 years, Fruitas boasts 1,036 stores across the country, with new kiosks recently opened in
Metro Manila and key provinces like Cavite, Laguna, Rizal, Bulacan, Tarlac, Zambales, Cebu,
Brands. Aside from fruit shakes like Fruitas and coconut beverages under Buko ni Fruitas, here
Johnn Lemon
Sabroso Lechon
Juice Avenue
Black Pearl
It is also the company behind lifestyle food parks Le Village and Uno Cinquenta in Quezon City.
Its initial public offering (IPO) was priced at P1.68 apiece and was "well-received by retail and
company.
The broker tranche was more than 2.5 times oversubscribed, while the local small investor
tranche was a record amount for a Philippine IPO. The exceptional performance and positive
response from the market prove that the public believes in Fruitas' strong fundamentals and
aggressive expansion plans in the country," said Daniel Camacho, executive vice president
of existing stores.
The IPO will also pave the way for the introduction of new concepts as well as acquisition of
How are its financials? In 2018, Fruitas reported P1.6 billion in consolidated revenues, a 37%
increase from P1.15 billion in 2017, driven by network expansion and strong performance of its
stores.
Fruitas earlier said it expects consolidated revenues of P2 billion in 2019, amid a favorable
MORTGAGE MARKET
What is a mortgage?
interest in exchange for taking title of the debtor's property, with the condition that the
property, that the borrower is obliged to pay back with a predetermined set of payments.
The primary mortgage market is the market where borrowers can obtain a mortgage loan
from a primary lender. Banks, mortgage brokers, mortgage bankers, and credit unions are
all primary lenders and are part of the primary mortgage market.
Market where borrowers and mortgage originators meet and negotiate to create a
Originators
Mortgage Broker
is an intermediary who brings mortgage borrowers and mortgage lenders together, but
Mortgage Bankers
use their own funds, or funds borrowed from a warehouse lender, to fund mortgages.
Banks
is a financial institution licensed to receive deposits and make loans. Banks may also
provide financial services, such as wealth management, currency exchange, and safe
deposit boxes
Credit Union
BPI bank can give mortgage loans to expats who have the right visa type, or who are
married to a Filipino
BDO is the largest bank in the Philippines, and has products which are offered to expats
and paperwork
Loansolutions.ph are brokers working across all loan types, for both local and foreign
clients
The Secondary Mortgage Market is where home loans and servicing rights are bought
A large percentage of newly originated mortgages are sold by their originators into
the secondary market, where they are packaged into mortgage-backed securities and
sold to investors.
In the US, Fannie Mae and Freddie Mac were created by Congress, it buys mortgages
from lenders and either hold these mortgages in their portfolios or package the loans into
Fannie Mae and Freddie Mac created a liquid secondary market for mortgages. This
meant that financial institutions no longer had to hold onto the mortgages they originated.
They could sell mortgages on the secondary market shortly after origination. Selling
In the Philippines, the National Home Mortgage Corporation (NHMFC) was established
with the same intent as the US Fannie Mae and Freddie Mac.
In 1977, the National Home Mortgage Finance Corporation (NHMFC) was created to
develop and provide for a secondary market for home mortgages granted by public and/or
The foreign exchange market is a decentralized worldwide market in which currencies are
traded. It was one of the original financial intermediaries that were created to facilitate the ever-
growing flow of money derived from international trade. Despite all the mass media’s attention
on the stonk exchange, the FOREX market is actually the world’s largest financial market, with a
Aside from facilitating the buying, selling, and exchanging of currencies, it also enables currency
conversion for international trade settlements. Currencies are commonly traded by pairs. A
currency pair is a price quote of the exchange rate for two different currencies traded in FX
markets. When an order is placed for a currency pair, the first listed currency or base currency is
bought while the second listed currency in a currency pair or quote currency is sold.
In the Philippines, however, FOREX trading is illegal. According to the advisory from the SEC
dated 30th of October of the year 2018: FOREIGN EXCHANGE TRADING IS ILLEGAL IN
THE PHILIPPINES. They added that the public is advised to STOP engaging in FOREX and to
difference, indices, binary options and the like. The SEC also advises that persons acting as
brokers, or sales agents of these securities are unregistered and unlicensed, and therefore are to
This advisory stemmed out of the complaints from numerous investors that they lose a lot of
money, mainly due to entities who acted as brokers and sales agents, most of whom were phony.
By means of deceptive advertising, high-pressure sales tactics, and unethical marketing tactics,
these phony brokers and agents have taken advantage of interested traders.
Nevertheless, according to an expert in trading FOREX Market online, it isn’t totally illegal to
engage in the market. People can study and analyze currency movements without repercussion.
If a trader had a trading account open before this advisory, they are safe to continue engaging in
the market. In fact, The FOREX Market in the Philippines is more on being subject under
regulations of the BSP and the Securities and Exchange Commission (SEC).
It is common to hear that in forex, 90-95% of the traders lose money when engaging in the
market. There is a study by Financemagnates that sampled 30 forex brokers to check win-rate
This doesn’t mean that one cannot be successful in FOREX trading. With enough understanding
of the FOREX markets and how they work, mixed with analysis of international trade, one can
be successful in it. If a trader has these skills, and also choose reliable brokers to work with, he
A great tip for FOREX traders is to choose trustworthy brokers, to avoid getting ripped-off.
www.equilyst.com/informational/20-philippine-stocks-with-the-highest-5-year-dividend-
yield-as-of-2018/
https://www.bdo.com.ph/bdonomura/how-investing-philippines
www.equilyst.com/informational/20-philippine-stocks-with-the-highest-5-year-dividend-
yield-as-of-2018/
https://fitzvillafuerte.com/philippine-stocks-buy-long-term-investment.html
https://dailypik.com/best-blue-chip-stocks-in-the-philippines/
https://corporatefinanceinstitute.com/resources/knowledge/trading-investing/stock-
market/
https://www.rappler.com/business/245988-fruitas-stocks-to-watch-november-29-2019
https://www.investopedia.com/terms/p/primary_mortgage_market.asp
https://www.investopedia.com/terms/s/secondary_mortgage_market.asp
https://study.com/academy/lesson/primary-vs-secondary-mortgage-markets-definition-
differences.html
http://www.eandhrealty.com/faqs/The-mortgage-market-and-how-it-works
https://www.imoney.ph/housing-loan
https://www.bworldonline.com/four-decades-providing-liquidity-stability/
https://www.fhfa.gov/SupervisionRegulation/FannieMaeandFreddieMac/Pages/About-
Fannie-Mae---Freddie-Mac.aspx
https://www.bbva.com/en/foreign-currency-market-work/
https://www.investopedia.com/terms/forex/f/foreign-exchange-markets.asp
http://www.sec.gov.ph/foreign-exchange-trading-is-illegal-in-the-philippines/
https://www.forexclubasia.com/announcements/2019-forex-trading-in-the-philippines-
what-is-legal-what-is-not/
https://www.manilatimes.net/2018/12/30/news/latest-stories/breakingnews/how-real-and-
profitable-is-forex-trading/489294/489294
https://www.topratedforexbrokers.com/bsp-regulated/