Personal Finance – Page 41

Gear Up for the ASEAN Integration

Manila Workshops, with partner LifeQuest Training and Consultancy Corporation, announced today that it will be hosting the “Gear Up for the ASEAN Integration” conference on September 5, 2015. The conference will take place at the SMX Convention Center, SM Aura in Bonifacio Global City, Taguig, Metro Manila from 9:00 am until 4:00 pm.

The integration of the ten ASEAN countries into one economic community is anticipated to generate significant opportunities for Filipino professionals and entrepreneurs. Thus, the organizers of the conference expect the event to help many understand and prepare well for the implications of the envisioned single market and production base.

Among the speakers at the conference are former Congressman Ruffy Biazon who will talk about “Customs Integration and Philippine Trade: Where are We?,” LEAN management expert Mr. Homer Villa who will explain “Transforming Philippine Manufacturing Through LEAN,” business builder Mr. Sonny Del Rosario who will discuss “Transforming Small Business for the ASEAN Community” and Mr. Elvin Uy who will talk about “K-to-12: How it prepares us for the ASEAN Community.”

For more details about the conference, please email chinky.magtibay@manilaworkshops.com or visit the registration page for Gear Up The ASEAN Integration at the Manila Workshops website.

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3 Reasons To Accept A Tender Offer

Whenever a company issues a “tender offer” to its shareholders, many new retail investors are clueless on what do to inspite of the announcement made by their the company through their stockbrokers.

But what is a tender offer?

A tender offer is an offer by the company to purchase some or all of shareholders’ shares in a corporation by direct means and not by purchasing them on the open market.

3 Reasons Why You Should Accept A Tender Offer

There are investors who are quite attached to a certain stock or company that they find it difficult to let go of their shares even if the stock is ripe for the selling. The same thing is true when there is a tender offer.

However, a shareholder must realize that not accepting a tender offer by the company may not be a very smart idea at all.

Here are some of the reasons why.

1) You may be not be able to sell your shares at your desired price.

There may be less trading activity for that particular stock with a tender offer.

You may not be able to sell your stock at the price higher than when you bought it especially if you purchased it just recently.

In the case of *LRI (LaFarge Republic, Inc.) shareholders who purchased shares in the late part of January 2015 at Php11.90 or even at Php12.00, selling their shares at the same price may not be possible anymore. The current market price is last traded at Php10.12 only.

* LRI has been acquired by AEV CRH Holdings, Inc.

2) Tender offers are usually made to shareholders higher than the current share prices.

The misery may not be too miserable at all if you fail to sell at your desired price.

However, if you are a shareholder in a company that is going private or voluntarily delisting and has purchased the stock recently, you will definitely gain by accepting the offer and selling the stock at the offered price.

The price offered per unit of stock is usually at a premium or above the current market price. Having LRI again as example, its tender offer is Php10.26. This is definitely higher than the current market price of Php10.12.

You might as well just let go and enjoy the ride.

3) Publicly-listed companies may choose to become private.

Another popular term for this is “delisting”.

Many companies make voluntary delisting to minimize or avoid strict compliance with SEC regulations that are imposed upon publicly-traded companies. Others choose to become private when majority of their shares are acquired or taken over by another company.

If you fail to accept the tender offer of a company that is going to be delisted, you will have a hard time selling your shares to the company and to the public when it has finally become private.

In fact, you will not be able to find the same stock and its stock code in your stockbroker’s list of companies any longer. Your shares will become very illiquid.

You may have to seek the assistance of a lawyer or a reputable CPA to help you out in selling your shares to the delisted company or to other interested parties.

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The Economy Is Booming: 5 Places Where You Should Put Your Money

You’ve probably heard the news: The Philippines has one of the most vibrant economies in the world, rising faster than any other country in Asia next to China. We are no longer “the sick man of Asia,” but “Asia’s rising tiger.”

Unfortunately, it’s hard to feel these economic gains if your money is simply lying in your piggy bank or savings account. While it makes sense to save for the rainy days, majority of personal finance experts would also advise you to allocate a portion of these savings into promising investments. These have the potential to double or even triple your capital in the long run.

Take a look at the following investment vehicles and see what best fits you:

Bonds

If you want your money to earn interest, you can invest in credit instruments like bonds. Essentially, bonds are contracts in which an investor lends money to a borrower, like the government or a corporation. The borrower then agrees to pay interest at a fixed amount.

These investments are good for those who want security and have low risk tolerance. If your financial goal is to protect your capital, then bonds certainly fare better than stocks. But since it has minimal risks, expect the returns to also be minimal and incomparable with what you might possibly get from equities.

*Here’s a FREE 23-page step-by-step guide on how to make money selling e-books including which topics to write.

Mutual funds

Mutual funds are basically pooled funds from various investors managed by professional fund managers. When you pool your money with other investors, you create a bigger capital that can be invested in various instruments like bonds, stocks, and foreign exchange.

One of the biggest advantages of mutual funds is diversification, which lowers your exposure to risks. If one investment fails, you don’t lose all your capital because it is invested in other channels. You can earn from mutual funds through asset appreciation, interest, and dividends. Choosing the type of mutual fund—fixed income, money market, equity, or balanced—depends on your financial goals and risk profile.

Stocks

Buying a stock from a company means you become part owner of that company. Many financial experts would tell you that now is the best time to invest in the local stock market, since the Philippine Stock Exchange has been outperforming even some of the biggest markets around the world. Investing in the stock market gives you high returns, especially over the long term.

However, it is also highly risky, as you could lose a significant amount of your capital if you don’t have a strategy in place. Though the basic principle is to buy shares at a low price and sell them at a high price, you need to study the market first and keep yourself updated on the companies that you’re investing in to make sure that you maximize your earnings.

Businesses

Putting up a sound and profitable business is also a great way to make your hard-earned money work for you. All you need is capital and a good business idea that responds to the needs of your target consumers. You also need to have the right attitude towards business, and that includes a lot of patience, optimism, and guts.

If you’re not too confident that you can start a business, maybe you should consider franchising. This is advisable to startup entrepreneurs who have yet to gain business management experience. This way, you can take advantage of a brand’s popularity and strength to make your venture profitable.

Financial education

Finally, investing in your own financial education is your most valuable asset when it comes to building wealth. That means grabbing every learning opportunity that comes your way. You won’t be able to successfully invest in bonds, stocks, businesses, and mutual funds if you have no idea what you’re doing. Warren Buffett is even said to allot 80 percent of his working day to reading and learning and 20 percent to actual investing.

These days, there are no excuses for lack of knowledge. You have the whole Internet at your disposal, and a simple Google search on the basics of investing will yield thousands of results. You can also use free apps like Born2Invest to get your daily fix of business and finance news that will help you make the right investment choices.

There are also countless financial seminars that you can attend to expand your knowledge base and network with like-minded people. Take full advantage of the booming Philippine economy through investing in it. Consider the amount of money you have, your financial goals, and your risk aversion to help you choose the investment vehicle that’s right for you.

**This is a guest post from Born2Invest.

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