Go for Growth!

The Philippines’ gross domestic product (GDP) grew to a spectacular 6.6%!

This news spread all over the country a few days ago like wild fire. Every Filipino heard about it from radio up to the internet. You may have even heard about it from gossips in nearby stalls. Some people are ecstatic about it while others remain indifferent.

According to Mr. Armand Bengco, Executive Director of Colayco Foundation, the GDP is an economic indicator.  It tells the total value of what the Philippines produced in a certain period of time. Think of the GDP as an economic fitness score. The higher the GDP, the more robust is the Philippine economy.

Understanding the GDP also involves looking at other economic indicators. First is the inflation rate. It tells you the strength of your money’s purchasing power, given the rise of prices in basic goods (ex. food, water). The current inflation rate is at 2.9%. This means that your money is still capable of buying more things. In other words, you have more money in your pocket right now!

Another indicator is the interest rate, the cost of borrowing money. Current interest rates are at 3.5%, which means that borrowing money is not very costly. Entrepreneurs and businessmen can easily borrow to set up more businesses. More businesses equal more job opportunities. And more job opportunities mean more income-earning opportunities too!

Finally there’s the Philippine stock index (PSEi) that tells the Philippine stock market’s performance. Currently the PSEi is approaching 6,500. Many investors are positive that the PSEi will reach 7000 this year. Thus they invest more money into the economy. In turn, the money finances the country’s different sectors to expand and improve their services. For the investor, that means more money flowing into his or her pocket!

Now you may ask, “So how come I’m not feeling the growth?” Mr. Bengco says, “You need to commit money (magtaya) to experience it!” Expect nothing until you put your money into the economic growth train. How? “You need to save and invest PROPERLY,” remarks Mr. Bengco. And you can only do this if you are FINANCIALLY LITERATE!

To be financially literate is to invest in your financial education. Read books and attend seminars on proper financial management. You will save and invest money more effectively. Consequently, you can maximize available financial opportunities like mutual funds. If you think investing for financial literacy is expensive, consider the cost of FINANCIAL IGNORANCE!

Want to invest in the growing economy? Invest first on financial literacy! Colayco Foundation offers Pisobilities and INVESTability: Mutual Funds Seminars this February 16, 2013. Click the link for more details. For reservations and further inquiries, you can call 637-3731 or 637-3741!


BBC News (2013, January 31). Philippines beats growth target as economy expands 6.6%. BBC News. Retrieved from http://www.bbc.co.uk/news/business-21271768

Octaviano, T. P. (2013, January 31). GDP grows 6.6% in 2012 | BusinessWorld Online. BusinessWorld Online Edition. Retrieved from http://www.bworldonline.com/content.php?section=TopStory&title=GDP-grows-6.6%-in-2012&id=65145

Olchondra, R. T., & Burgonio, T. J. (2013, February 1). Stellar economic growth at 6.6%. Inquirer Business. Retrieved from http://business.inquirer.net/105219/neda-ph-economy-grew-by-6-6-in-2012?ModPagespeed=noscript

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(Based on the performance of the best mutual funds!)

The Colayco Foundation strongly believes in the power of mutual funds to build wealth for the average income earning Filipino and for OFWs. 

WHAT ARE THEY? :  ”A Mutual Fund is an investment company that pools the funds of many individual and institutional investors to form a massive asset base.   The assets are then entrusted to a full time professional fund manager who develops and maintains a diversified portfolio of security investments.  People who buy shares of a mutual fund are its owners or shareholders.”*

HOW DO THEY WORK? : Depending on the type of mutual fund, a professional fund manager invests the gathered funds in stocks, government securities, and other financial instruments.  Thus the money of the shareholders is spread across different financial instruments. “A mutual fund can make money from its securities investments in two ways: a security can pay dividends and interest to the fund, or a security  can rise in value.  The fund passes any dividends, interest or profits on the sale of its portfolio securities, less fund expenses, to shareholders in the form of distributions.” These gains are reflected in the NET ASSET VALUE (or price) of each share of the mutual fund.


  • Gives an average annual returns of 8% to 20%. Returns are not guaranteed.
  • Medium Risk – Highly convenient since a professional fund manager takes care of the fund
  • Medium Risk – The fund is diversified
  • Medium Risk – Grants you opportunity to invest in more than one company
  • It’s affordable because you will only pay P5,000 or P10,000 to start investing.
  • Ideal for your medium to long term financial goals.

Source: PIFA

In INVESTAbility: Mutual Fund we teach you more than what you can read online about mutual funds. 


Investability Mutual Funds will help you:

  • Understand how mutual funds can help you achieve your wealth goals
  • Equip yourself with the skills to manage the RISKS of mutual fund investing (yes it’s great returns but there are REAL RISKS too).
  • Learn strategies for successful mutual fund investing such as the absolute value strategy, cost-averaging strategy and diversification strategy.

SMS or CALL 09178088857 NOW to register


If you invested in the start of 2008 by now your investment would have grown by 122%!



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A Hot Opportunity

Want your money to ride along the tidal wave of growth? An investing opportunity is currently waiting for you!

Corporate bond from GT Capital Holdings Inc.

Bond Issuer: First Metro Investment Corp

Holding Periods:  7 years (Gross Annual Interest: 5.1%-5.5%)                                                                                                     10 years (Gross Annual Interest: 5.4%-5.7%)

Minimum denomination: P50,000

Additional Investment: multiples of P10,000 thereafter

Offering Period: February 11-19, 2013

Settlement date: Feb 19, 2013


Other Info: GT Holdings can buy back the bonds from you, starting from the 4th to 6th anniversary year (for 7 year tenure) and from the 7th to 9th anniversary year (for 10 year tenure)

Go here for the full article at Business World!


Ms. Ina Pacheco (Manila)- 8587991

Ms. Grace Ong (Makati)- 8587986


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Ms ng Mayaman

Ang mga mayaman marunong!


Marunong magplano

Marunong mamili

Marunong magtipid

Marunong mag-ipon

Marunong mamahagi

Marunong mamuhunan

Marunong magpalago

At siyempre magmahal, mag-aruga, maglambing, magpasalamat, magpakasaya at manalangin!


Kung gusto mong yumaman, kailangan matuto!

Pisobilities will help you start your journey towards financial independence. It will equip you with the basics of proper money management-spending, saving, planning and investing. You will realize the value of having and setting financial goals. You will also be introduced to various financial instruments and strategies that can help you achieve your financial goals.

Pisobilities will help you realize that the journey towards wealth doesn’t have to remain an impossible dream. It’s within your reach! Whether you are an employee, entrepreneur, OFW, housewife, student, executive, YOU CAN DEFINITELY BECOME WEALTHY!!


Curious? Interested? Excited? Join us in our next Pisobilities seminar at February 16, Satuday, from 9:00 am to 12:00 nn. Click here for complete details.  For reservations and inquiries, you may reach us at the following contact details: call (632) 637-3731, (632) 502-4590, or (632) 637-374, text at 09178088857, or e-mail renzie@colaycofoundation.com

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