What is the Most Important Question to Answer When Investing?
It’s not the How, it is the Why!

Fely and I had started to invest in the 90’s. We invested in real properties, in stocks but we failed to achieve our goal? Why? Because we did not define clearly our PURPOSE for investing, WHY are we investing? What is the investment for, how much should we accumulate, and what is the target date? In investing, the PURPOSE or GOAL defines the Investment Vehicle to use.

In the past we simply invest for no particular reason. When we learned right investing, Fely and I now invest for a purpose or a particular financial goal.

Foremost of these purpose for investing are what we term as HIDEE.

H is for the Healthcare needs: Both the Short Term and Long Term Healthcare needs. I is for the Income Replacement at retirement. D is for Debt Payments, E for Education and the last E is for Estate Preservation. We need to do some calculations on this.

There are other Goals that needs to be planned for. Buying a new house, supporting you parents, travelling abroad or having a Pilgrimage. All these needs to be defined first.

This is what we found: The investment Goals or Purpose, will define what Investment Vehicles to ride. Without a purpose, we can invest but this is like creating a travel plan without an itinerary. Imagine planning for a pilgrimage to nowhere? How do we know what is the appropriate vehicle to use? That is exactly the same in investing. When we are clear with the WHY, the HOW and WHAT just follows…

If you need to know your complete Financial Strategies, contact me NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com

Happy Investing!

A Lot Of People Like You and I  Fail To Invest For we Lack Financial Literacy!

More-so, 

We Lack Proper Guidance on 

How You Could Do It Yourself!

Fely and I are both Engineers by profession. Fely an Industrial Engineer and I am a Licensed Mechanical Engineer. We both worked for Multi-national companies as Managers. And we earn very well but that is all we know! We earned from our jobs but did not know how to really make our income earn for us. In simple terms, we did not know how to invest correctly. What we thought as investing turned out to be accumulating liabilities. Instead of putting money into our pocket, our investments took more money from our pocket and further strained our cash flow.

Fely and I lost a lot of opportunity due to our lack of know-how in investing in the tune of more than 100M Php! Our parents did not know proper investing any better. Our orientation is to study hard, get good employment income, buy properties, and retire from the company we will work in and enjoy the retirement money afterwards.

For many years we never sought help, nor study how to invest the right way. We were so comfortable earning money from employment. We invested in real estate, and stocks but it was all uneducated moves, unguided and therefore improper. We only know how to make money by working hard for it. We did not know how to make money work for us.

Investing requires literacy. IMG gave that to us. We owe our investing know-how to IMG and Rex Mendoza. The link to them is Bro Bo Sanchez through his Truly Rich Coaching Seminar. Investing became so clear and simple.

We bought and read books by Bro Bo and Robert Kiyosaki, and many other books. In fact we have all the books of Bro Bo Sanchez about money and investing. We started with the “8 Secrets of the Truly Rich”.

Rex Mendoza has inspired us to write this book entitled How to Invest Like Eating Cake. It highlights how Fely and I: an untrained investor, employee our whole work-life turned into successful investors in many varied investment vehicles even before our retirement years. We share in this book the struggles and major wins in our early years of “investment experimentations”. It narrates what investment concepts we actually learned and applied in order for us to achieve financial freedom.


I encourage everyone to join us in the mission to help people put into reality the concepts we have shared. We challenge you to take an active role to continually learn and be an effective investment coach to ourselves, our family and friends. Make more financial coaches to reach out to other people and spread the mission to make more Filipinos Truly Rich by sharing how to do it in simple way “it’s just like eating cake”!

If you fear the word investing we want to guide you. If you are already into investing and wants to know how to invest properly and easily and be financially secured, then I encourage you to contact us after reading this post! You can do it too!

If you want to be guided by us contact us NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com


Be Truly Rich!

Benj and Fely

Saan dapat Ilagay Ang pera para Lumago? Ano nga ba Ang Mutual Fund?

           Alam mo Ba ang Safe Investments?                             Ano Ba ang Mutual Funds?                      Simple Lang Ba?

Isa sa mga di masyadong nalalaman ng mga karaniwang Filipino ay ang Mutual Funds. It  is actually a way to invest in the stock market na di mo kailangang maging eksperto sa investing. Ito rin ang sikreto ng mga mayayaman! Imbes na ilagay nila ang pera nila sa bangko, nag iinvest sila sa Mutual Funds.

Ang mga Mutual Fund Companies sa Pilipinas na magandang pasukan ay ang PhilEquity, Soldivo at marami pang iba. Ang Mutual Funds ay may tatlong klase. Yung puro sa Stock Equities ng mga Blue Chip Companies ay Equity Funds ang tawag, at ang mga Investment naman na karamihan sa pautang sa Gobyerno ay tinatawag na Bond Funds at ang combination nitong dalawa ay tinatawag na Balanced Fund.

Ang maganda sa Mutual Funds, lahat ng  ng dapat gawin para maging successful sa pag invest sa stock market tulad ng money cost averaging, spreading the risk by allocating to diversified companies ay ginagawa na ng Fund Managers ng Mutual Fund Companies.  Ang galing di ba?

E ano ba yung Money Cost Averaging? Simple lang yun. Ibig sabihin lang dapat tuloy tuloy ang pag invest ng pare-parehong halaga sa isang regular na interval. Halimbawa sa ibaba, sa loob ng anim na buwan, bawat buwan ay nag iinvest ng 100Php kahit na ano pa ang situation sa market. Hindi kailangang timingan or bantayan ang pag taas o pagbaba ng stock price. Ang kailangan lang ay madisiplinang pag iinvest. Sa halimbawa sa ibaba, makikita ninyo na kahit pababa ang stock price, malaki pa rin ang ganansiya basta tuloy tuloy ang pag invest. I do not recommend a one time big time investing strategy nor trading. Mas recommended po namin ang Money Cost Averaging lalo na sa mga baguhan. At base po sa aming karanasan, mas madali at mas malaki ang aming naging returns so far sa loob ng 7 years na kami ay nag iinvest..

E ano ba naman ang totoong nangyayari sa Stock Market price ng Mutual Funds? Ay napakanda po. Yung paborito po namin na pag investan na PhilEquity ay kumita na ng mahigit sa 16% average per year sa loob ng mahigit 10 years span since 2007!

Sa bandang huli, ikaw pa rin ang magdedecide kung saan mo gusto ilagay ang pera mo. Dalawa lang ang tanong natin para malaman mo saan dapat ilagay ang pera mo. Ito ay kung gaano ka katagal mag iinvest or kailan mo gagamitin ang investment mo? Pangalawa ay kung anong Risk ang kaya mong dalhin. Kung gusto mo ng malaking balik sa pera mo, mas mattas ang risk. Kung mababa ang risk na gusto mo, mas mababa rin ang posibleng return sa investment mo. At sa bawat consideration mo sa katanungang ito, may tamang investment para sa iyo.

Kung gusto mo pang maraming malaman mag Register po kayo dito: Mutual Fund Investing

Kung gusto pa ninyo ng mas matinding  coaching Contact Benj at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com

Tara na . Mag Invest na Tayo!

God bless us all!

Benj Santiago

Senior Executive Vice Chairman IMG

Truly Rich Makers Founder

Debt Destroyers Author

If Your Why is Clear, the How will be Easy!

People Always Ask Me
Where Do You Invest?
How Did You Invest
Your Retirement Money?

My Reason for Investing

Obviously, We all need to have a coach how to do the proper, complete, and integrated investment. The most important question I sought answer to is not WHERE or HOW...But WHY?

We have to define our GOALS for Investing. I know you and I love our families. We love to see their future and ours secured. Thus, our recommended Top 10 Goals are as follows:

The Top 2 I recommend you prioritize to secure your future are: Your Income Replacement or Retirement Fund, and your Long-Term HealthCare. Putting our money in the bank is safe but it is not correct place for investing. Simply because the rate of return is so small , the value of your money is eaten by Inflation Rate. The secret of the wealthy is that they know the "Power of Compounding Interest" They know where to put their money that it will double faster.

These can be done by investing in the first two levels: Investing in Level 1: Kaiser LTC  Level 2: Mutual Funds

Now that the WHY has been defined, the investing process must be Consistent and "Disciplined Approach". This is achieved by consistently investing regardless of Market Trend. In other words Money Cost Averaging. How do you do this Money Cost Averaging?

If you want to Know more,

You simply text me at 0920-902-1217 with 

Your Name and Schedule you Prefer.

Or, simply eMail me at richbenj.santiago@gmail.com

I will be more than happy to coach you!

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