Pera Mo Palaguin Mo! at DZXL558 AM

PERA MO PALAGUIN MO! is a radio program under the public service of Radio Mindanao Netowork’s DZXL 558. Hosted by Financial Guru, Francisco J. Colayco along with Mr. Armand Q. Bengco and Guita T. Gopalan of the Colayco Foundation.

Pera Mo Palaguin Mo is a radio program that aligns itself as the financial concierge of the Philippines and focuses on guiding our fellow Filipinos in their finances and help guide them to reach financial freedom.

Tune in Every Monday 11AM-12PM AT DZXL RMN 558MHZ AM BAND OR watch via LIVESTREAMING on

JOIN THE PROGRAM..text your comments
0921-431-1044 OR
let us hear your voices and be on air too
CALL IN 882-2378

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Join us on November 29 (Saturday), from 2:00 – 6:00pm at the Elements at Centris, Diliman, Quezon City. Hear from the country’s foremost movers and shakers in the fields of business and learn effective ways to grow your business. Bring a copy of Entrepreneur’s November 2014 issue (print or digital edition) to attend for FREE. Register today at

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A gift of WEALTH from Colayco Foundation.

Christmas book promo now available
for Php999 instead of Php1420.
Free delivery anywhere in the Philippines.

All 6 books of Francisco J. Colayco

Wealth Within Your Reach (SRP Php395)
Making Your Money Work (SRP Php395)
Money for Kids (SRP Php295)
Pera Palaguin Workbook (SRP Php145)
Easy Money para sa Kababaihan (SRP Php95)
Pisobilities Gabay sa Buhay Pinansyal (SRP Php95)


or SMS 09178632136
or call 6373731/41


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InvestAbility: Mutual Funds

3 Reasons to Invest in Mutual Funds

Mutual Funds are the best growth instrument for ordinary income earners for these 3 very simple reasons:


For a minimum of Php5000 initial investment (and a minimum of Php1000 every additional investment) mutual funds can be the primary growth vehicle for your hard earned savings. It is possible to invest this low because mutual fund managers pool the money of many investors to make a big fund which can be used to purchase stocks and bonds which as an individual you may not be able to purchase on your own.


For ordinary people to effectively invest in the stock market and debt market directly, one would need to invest in education, time and amass a bigger capital to prudently manage the risks and gains of these individual investment instruments. Mutual funds are managed by professional fund managers – people who have spent their lives honing the craft of growing your money through the equities and debt markets! They live, eat and breath the financial markets thus they are able to effectively grow the funds under management as well as preserve the fund in times of economic decline. Mutual funds are also highly regulated by the Securities and Exchange Commisison. They follow very strict procedures in managing the fund as required by the SEC.


A mutual fund company is required to buy back your investment at any time. This means that unlike the stock investing where you have to wait till the system matches your volume-price sell offer with that of a buyer – in mutual funds, there is always a ready buyer – the mutual fund company. There are no maturity periods though if you redeem your investment before six (6 months) a minimal exit fee is charged. Over all, you can get the cash when you need it. This is very important as you may have future unforeseen financial obligations or opportunities wherein you need money.

Who should invest in mutual funds?

Ideal for those who would like to grow their money in an instrument with good returns, medium-risk and low maintenance requirements.


Learn about mutual fund investing strategies to achieve your Php1M, by joining Colayco Foundation’s upcoming InvestAbility Mutual Fund Seminar.

Date & Time:       8 November, Saturday. 9am-3pm

Venue:                  AurumOne Hotel Makati (Click here for directions

Speaker:               Armand Q. Bengco, Executive Director, Colayco Foundation

Program:              InvestAbility Mutual Funds (inclusive of KsKCoop Orientation)

Register & Secure Your Seat Now. Pay Online via Credit Card!

We teach you more than just the what and how to (which a decent sales agent can tell you). We focus on equipping you with the right long-term strategies to investing effectively in mutual funds and achieving your wealth goals. For seminar details and other payment options SMS 09178632131.

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Francisco Colayco's Blog

Your Bank Should Be Helping You

Many times, when you go to the bank, you are intimidated or forced to do something that you don’t really want to do. One type of force is not to be able to do the transaction you want to do because you are afraid or shy or any other reason. This is usually the case when you don’t really have much mo …

Hounded by Credit Card Collection

by: Francisco J. Colayco *first appeared on Good News Pilipinas on December 2, 2013 Many are now preparing for Christmas and it scares me how many people are so deep in credit card debt. The narration of the story of JP is already something that I am sure many of our readers will want to pay attenti …

  • Read more of Francisco Colayco's blog at

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