Philippine Stock Market Data 2014

PHILIPPINE DIVIDEND STOCK RETURNS

PSEI Stocks 52 WEEK RETURN

Philippine Stock Market Data 2014

Philippine Stock Exchange Index: +23.96%
52 Week Range: 5,709.34 - 7,413.62

Philippine Stock Exchange All Share Index: +18.85%
52 Week Range: 3,515.51 - 4,309.73

PSEI Price Movement 
Highest Price Movement 2.85% (October 13, 2014 )
High    7,160.99
Low     6,957.11
Highest Price 7,413.62 (Sept 09, 2014)
Lowest Price  5,842.88 (Jan 10, 2014)

PSEI Month on Month Returns (as of Decemeber 20, 2014)
Gain 6.81% February
Loss -2.81% December


Updated as of December 12, 2014
*Historical returns and yields are not a guarantee of future performance.
SOURCE: Financial Times, Philippine Stock Exchange

INSURANCE: VUL or Buy Term Invest Difference

Life insurance secures your family's finances in the event of your untimely demise. Insurance companies offer a wide array of products to cater your needs. Clients who prefer a Life insurance that has a cash value are usually presented with a Variable Universal Life Insurance proposal. A VUL is basically a Life Insurance and Mutual Fund packaged into one.

How does VUL differ from buying each product separately? ( Buying Term and Investing the Difference ) Both methods have similar goals but have different end results. In order to understand the advantages and disadvantages of both methods, we shall examine how each method allocate funds for insurance and investment.

Real Cost of Owning a Vehicle


Most first time car owners neglect to anticipate the other expenses that comes with owning a car. Asides from your monthly amortization, you need to consider the cost of using and maintaining your vehicle. Some of these expenses costs an arm and a leg and will wreak havoc in your budget if you fail to prepare for it. Let us examine the expenses that are commonly over looked or under estimated by first time car owners.


Fuel


Fuel is one of the recurring expenses you will incur using your vehicle. The several factors that affect fuel consumption of a vehicle are engine displacement, weight of vehicle and engine type. Driving conditions, the style of driving and proper maintenance of the vehicle.

FUEL COST COMPUTATION
AVERAGE FUEL CONSUMPTION OF VEHICLE 8 Km/L
AVERAGE DISTANCE TRAVELED PER DAY 40 Km
AVERAGE PRICE OF GASOLINE Php 45 Per Liter
DAILY COST OF FUEL Php225.00
ANNUAL COST OF FUEL Php82,125.00



*BASED ON MY CARS AVERAGE FUEL CONSUMPTION (CITY DRIVING)

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Top Philippine Trust Funds October 2014

PESO EQUITY FUNDS
BANK
FUND NAME
YTDYOY3 YEAR5 YEAR
RANKROIRANKROIRANKROIRANKROI
Security Bank CorporationSB Peso Equity Fund129.74%215.00%180.76%
Philippine National BankAUP Equity Fund221.33%58.63%1048.16%1466.46%
Philippine National BankPNB High Dividend Fund319.60%410.48%
BDO Unibank, Inc.BDO Sustainable Dividend Fund419.40%118.63%
Bank of the Philippine IslandsBPI Equity Value Fund518.07%135.54%1247.35%8102.10%
Bank of the Philippine IslandsBPI Philippine Equity Index Fund617.83%106.16%
BDO Unibank, Inc.BDO Institutional Equity Fund717.19%67.24%370.30%3163.21%
Metropolitan Bank & Trust Co.Metro Equity Fund817.00%155.14%566.41%6141.22%
BDO Unibank, Inc.BDO Equity Fund916.82%76.86%467.77%4161.58%
Philippine National BankPNB Enhanced Phil-Index Reference Fund1016.21%165.05%756.63%1366.71%
China Banking CorporationCBC Equity Fund1115.49%86.66%
Bank of the Philippine IslandsBPI Philippine High Dividend Equity Fund1215.39%96.37%
Philippine Bank of CommunicationsValue Equity Fund1315.17%145.48%1147.49%
BDO Unibank, Inc.BDO Focused Equity Fund1414.17%312.99%
United Coconut Planters BankUCPB Equity Fund (Formerly United Equity Fund)1514.09%173.25%850.32%2195.96%
Asia United BankEquity Investment Trust Fund1614.01%125.64%950.03%992.91%
Bank of the Philippine IslandsOdyssey High Conviction Equity Fund1713.50%192.30%27-18.38%1270.69%
Union BankUnionBank Large Capitalization Philippine Equity Portfolio1812.78%115.79%279.90%1287.57%
Bank of the Philippine IslandsOdyssey Tax-Exempt Philippine Equity Fund1911.97%26-1.00%149.36%1082.59%
Bank of the Philippine IslandsOdyssey Philippine Equity Fund2011.24%27-1.56%156.40%1172.27%
AB CapitalAB Capital Equity Fund2110.12%25-0.17%664.28%5152.68%
Rizal Commercial Banking CorporationRizal Equity Fund228.69%183.05%1344.22%7108.75%
Security Bank CorporationSB High Dividend Peso Equity Fund
Union BankUnionBank Dividend Play Equity Portfolio
Union BankUnionBank Philippine Equity Index Tracker Fund Portfolio
Union BankUnionBank Dividend Play Equity Fund
United Coconut Planters BankUCPB High Dividend Fund

UITF - Mutual Fund - VUL


Investment funds offer less risk to those who are not familiar with investing. It offers less hassle to those who don't have the time to monitor their investments. These funds provide professional management of your investment for a minimal fee.

Fund Options

There are basically three kinds of funds you can invest in the Philippines, Unit Investment Trust Funds, Mutual Funds, and Variable Universal Life Insurance. These funds are invested in various asset classes with varying risks and returns. These investment products might look the same at first glance, but each has its own advantages and disadvantages.