Philippine Stocks erased all earnings this year

by: Jennifer Austria 

Bloomberg

Photo courtesy of PhilStar

The stock market index dropped below the 6,000-point level Monday, nearly erasing all gains posted this year, after China signaled it will maintain efforts to curb credit growth in the world’s second-largest economy.

The Philippine Stock Exchange Index sank 211.12 points, or 3.4 percent, to 5,971.05, the fourth consecutive session it dropped. Losers routed gainers, 165 to 17, with 34 issues unchanged. The PSEi now is just 1.9 percent up in 2013 from 5,860.99 on Jan. 2. The index had risen 26 percent to a year-high of 7,392.20 on May 15.

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The rest of the global stock markets reeled, with Shanghai’s index enduring its biggest loss in four years, after China allowed commercial lending rates to soar in a move analysts said was aimed at curbing a booming underground lending industry.

Analysts say the spike late Thursday in the country’s interbank lending rate to over 13 percent was part of an effort to trim off-balance-sheet lending that could threaten the financial stability of the world’s second-largest economy.

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Mainland China’s Shanghai Composite Index plummeted 5 percent to 1,968.51 while the smaller Shenzhen Composite Index plunged 6.1 percent to 881.87.

Britain’s FTSE 100 dropped 1.5 percent to 6,067.35 in early trading. Germany’s DAX fell 1.1 percent to 7,704.88. France’s CAC-40 fell 1.5 percent to 3,601.88.

China Minsheng Banking Corp. dropped the most since 2011 in Hong Kong and the CSI 300 Index, representing the 300 biggest companies in the Shanghai and Shenzhen stock exchange, entered a bear market.

“The situation in China is adding to the concerns of the Federal Reserve’s plan to scale back stimulus,” Akbar Syarief, a fund manager overseeing about 3.3 trillion rupiah ($332 million) at PT MNC Asset Management, said in Jakarta. “Investors are pulling out of regional markets and moving to safe haven assets like the dollar.”

PSE president and chief executive Hans Sicat, meanwhile, remain positive about the overall domestic macroeconomic environment.

“The market may have lost ground in the past weeks, but we believe this is a result of an overreaction to global developments. There is a disconnect between good local economic fundamentals and the short-term market psychology,” Sicat said.

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Finance Secretary Cesar Purisima downplayed the market fall. “Philippine fundamentals are good and the best thing we can do is to continue up the path of better economic fundamentals. This is the best way to attract investments,” the finance chief said.

Metropolitan Bank and Trust Co., the second-biggest lender, plummeted 6.9 percent to P105, while BDO Unibank Inc., the largest bank, tumbled 3.7 percent to P79.95. With Bloomberg, AP and Jennifer Ambanta

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Free Wealth Seminar with SJF

by: SJF Team
June 3,2013

 Due to public demand, San Jose Financials Wealth Management Group decided to give the public another free wealth seminar which helps individuals achieve their financial goals in life.

This seminar are for clients who wants to understand how SJF Wealth Managers can help them achieve their goals in life.

Related Link:

* Register to Free SJF Seminar
* SJF official Facebook page

  SJF believes in educating the public with the right information will guide them in choosing the right strategy,service and financial product for them.

 Unlike the other free seminars which sells clients insurance, funds or any financial instrument, SJF FREE WEALTH SEMINAR Focuses mostly in client development. SJF Wealth Seminar does NOT SELL any Financial products such us bank funds or securities. This seminar involves mostly in your wealth and asset management.

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 * Wealth Seminar official Facebook Page

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* Tips how you can save money

* Services for Wealth Management                                                    

* Beware of the forex scams

Understand financial products, market psychology and basic investment strategies that will help you plan your life. Know more how SJF can help you achieve your goals in life.

  SJF would like to emphasize that this seminar doesn't sell you products such as insurance, mutual funds, or any financial products. This seminar is purely related to Wealth and Asset Management and the Licensed Wealth Managers profession.

 This seminar are for individuals and corporations who are new to wealth management and investments.

SJF offers free wealth seminar every month. Check  SJF Website to know the schedule for our next SJF Free Wealth seminar.

Related link : *SJF Seminar Schedule

 If you have any questions regarding SJF FREE WEALTH SEMINAR, you may call SJF Helpdesk at 78-99099 in your landline or you may email them at info@sanjosefinancials.com

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The Secret Keys to your Financial Success

by:Deborah Fowles, former About.com Guide

Keys to Financial Success

Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially.

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1. Get Paid What You're Worth and Spend Less Than You Earn

It sounds simplistic, but many people struggle with this first basic rule.

Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.

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2. Stick to a Budget

One of my favorite subjects: budgeting. It's not a four-letter word. How can you know where your money is going if you don't budget? How can you set spending and saving goals if you don't know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.

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3. Pay Off Credit Card Debt

Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it's so easy to forget that it's real money we're dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don't, and end up paying far more for things than we would have paid if we had used cash.

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4. Contribute to a Retirement Plan

If your employer has a 401(k) plan and you don't contribute to it, you're walking away from one of the best deals out there. Ask your employer if they have a 401(k) plan (or similar plan), and sign up today. If you're already contributing, try to increase your contribution. If your employer doesn't offer a retirement plan, consider an IRA.

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5. Have a Savings Plan

You've heard it before: Pay yourself first! If you wait until you've met all your other financial obligations before seeing what's left over for saving, chances are you'll never have a healthy savings account or investments. Resolve to set aside a minimum of 5% to 10% of your salary for savings BEFORE you start paying your bills. Better yet, have money automatically deducted from your paycheck and deposited into a separate account.

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6. Invest!

If you're contributing to a retirement plan and a savings account and you can still manage to put some money into other investments, all the better.

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7. Maximize Your Employment Benefits

Employment benefits like a 401(k) plan, flexible spending accounts, medical and dental insurance, etc., are worth big bucks. Make sure you're maximizing yours and taking advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses.

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* Attending SJF Seminar

8. Review Your Insurance Coverages

Too many people are talked into paying too much for life and disability insurance, whether it's by adding these coverages to car loans, buying whole-life insurance policies when term-life makes more sense, or buying life insurance when you have no dependents. On the other hand, it's important that you have enough insurance to protect your dependents and your income in the case of death or disability.

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*Complete Wealth Management System

9. Update Your Will

70% of Americans don't have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated you can even do your own with software like WillMaker from Nolo Press. Protect your loved ones. Write a will.

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10. Keep Good Records

If you don't keep good records, you're probably not claiming all your allowable income tax deductions and credits. Set up a system now and use it all year. It's much easier than scrambling to find everything at tax time, only to miss items that might have saved you money.

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Reality Check

How are you doing on the top ten list? If you're not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle.

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Top 10 starting up your finances properly

Launching your own business is tough and the line between success and failure can be fine; smallbusiness.co.uk's Top Ten Starting Up Tips help you make the right decisions from the outset. 

1. Involve your family
If you have a husband or wife or children, involving them in the decision to go it alone is important. Your home atmosphere should be very supportive, particularly in the early stages. Your family could also be useful as a sounding board, helping out with the odd task or providing feedback or finance.

Related Blog: *Attending Free Wealth Seminar

2. Analyze your personality
You need to ask yourself if you are the right person to start a business. Compile a checklist with the help of the following questions: Can you work long hours? Can you take criticism? Will you be able to cope with financial insecurity? If your business struggled in the early stages, would you continue? Write down the reasons why you are starting a business

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3. Make sure your product is a must-have not a nice-have Once you've got an idea you need to know that people will need it enough to want to buy it. Many people opt to begin a business by using a skill that they have acquired in their spare time as a hobby, such as jewelry-making. 

4. Your idea doesn't have to be new
Trying to sell a product that is new can be an uphill struggle. Being first is not always best, as you have to educate a market and convince them of the need for your product. So don’t be put off if your idea has been done before – think about how you can do it differently, by including an additional feature or benefit.

5. Know your market better than your competitors
Carry out as much market research as possible. Find out about your marketplace,

Concentrating on areas such as the demand, your competitors and the size of the market. Talk to potential customers, suppliers, competitors, distributors and ex-employees of competitors. 

6. Toe-dip
Everyone has different motivations for starting a business, and toe-dipping means you can test your idea out without risking everything. You can carry on earning money from your job while you are starting up. Use your spare time to carry out your market research.

7. Be honest about your weaknesses
Identify what you do well and what you do badly, dividing it into areas such as financial, marketing, operational and general management. Be honest with yourself, but also be realistic. Try and get someone else to evaluate your answers – another person’s perspective can be very valuable. Identifying your weakness will help you to recognize what you are good at, and which areas you will need to find someone who can do a better job than you.

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8. Get a good mentor on board
Remember – two heads are better than one. Seek out the advice of a family friend who has the experience of being in business, or someone who is recommended to you, or someone you are close to. Consider giving them a share of the profits or equity in your company in return for advice.

9. Justify every assumption in your business plan But remember that whatever you write down is not set in stone. Your business plan should have long-term objectives, estimates and forecasts – try to make as many of your goals as possible measurable. The two most important reasons for having a plan are to show to outsiders if you need to raise money, and to help you keep your business on a planned course, so you can spot when things are not going to plan. 

Related blog: Investment Management in the Philippines

10. Keep it in your business plan succinct an ideal format for your plan, if you intend it to be for outside use, is to have between three and ten pages of text that draw out the important points, plus a series of financial figures. Excessive detail should be confined to appendices.

Credit,written and published by www.smallbusiness.co.uk all rights reserved. Copyright 2013

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6 Reasons You Need a Wealth Management Plan

By ROGER WOHLNER,CFP

As a child my family went on a number of driving vacations. Before leaving, my parents generally contacted AAA and obtained a step-by-step series of maps of our planned route. Typically, each page depicted the route between two major cities: the route from Indianapolis to Louisville, followed by Louisville to Nashville, and so on.

Reaching your financial goals is like a trip. While there are many reasons you need a financial plan, here are six to get you started:

Related Blog: Attending Free Wealth Seminar

If you don't know the destination, how will you know when you've arrived? A financial goal is something that has a time frame and that can be quantified. An aspiration such as a "comfortable retirement" is hard to plan for. The financial planning process will help you define and quantify your goals.

[Related Topic: Keys to financial success.]

Determining a proper investment allocation is critical. An outgrowth of your financial plan should be a plan for the allocation of your investment assets across all of your accounts. The allocation should reflect the goals you are trying to attain as well as your tolerance for investment risk.

Are you saving enough? Whether you want to fund your children's college education, save for retirement, or buy a new house, most financial goals mean periodic savings. The financial planning process will help you identify how much you will need to save periodically—and in total—for each of your goals.

What will happen to your assets upon your death? Most of us have someone to whom we would like to pass on whatever wealth we have accumulated during our lifetime. Estate planning is a central part of
the financial planning process. Do you need a will or a trust? Are your beneficiary designations on retirement accounts and insurance policies up-to-date? What would happen to your assets if you died today? Is this what you intended?

[See What is Investment  and Asset Management]

Are you properly insured? Do you have enough life insurance, and do you have the right kind of policy for your situation? Do you have disability and long-term care insurance? Do you need this coverage? A financial plan addresses all of these issues.

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Are you fully using all of the benefits available to you through your employer? This question addresses issues from health insurance all the way to your retirement plan to any types of stock options or company stock benefit you may have access to. Benefits generally range from 30 percent to 40 percent or more of your cash compensation, so understanding what is available to you and how to best use these benefits is crucial.

These six reasons barely scratch the surface of why you need Wealth Management. In general, the financial planning process can help you take a thorough look at all aspects of your financial life and organize them in the most efficient fashion for your situation.

Related topics: What is Wealth Management?

Finally, do you need to hire a Licensed Wealth Manager to do all this? My answer is yes, but I am severely biased. What a good financial planner will do for you that you cannot do yourself is to take an objective, unemotional look at your situation. He will then apply his expertise, training, and experience to your unique financial needs. One last (biased) suggestion: Always hire a fee-only financial advisor, someone who does not earn a commission based on selling you a financial product. This eliminates a huge potential conflict of interest.

Remember: Planning your Wealth and your future is not a one-time event, but rather an ongoing process. The plan is a base from which to make financial decisions, but the plan can and should change over time based upon changes in your personal circumstances.

What are some other benefits of Wealth Management Financial Plan? We'd love to get your thoughts—feel free to leave a comment below.

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From:http://money.usnews.com/
Visit: http://www.sanjosefinancials.com

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EASY WAY TO GET RICH

by: SJF Team

The new campaign ,"upgrade your life" gained tons of question in the Philippines.
For the past few months since our launch of our new look, we experienced bombardment of questions online and offline. Now, we decided to post the top questions we often receive.

1.What is SJF  Wealth Management?

   

      Wealth Management is a financial service concept that emerged as a specific offering during the 1990’s.Generally, firms that offer such a package provide a wide range of financial services to their clients that will include such basic elements as estate planning, asset management, and even private banking options.

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      SJF Wealth Management System is an investment-advisory discipline incorporates financial planning, investment portfolio management and a number of aggregated financial services. High-net-worth individuals (HNWIs), small-business owners and families who desire the assistance of a credentialed financial advisory specialist call upon SJF Wealth Managers to coordinate retail banking, estate planning, legal resources, tax professionals and investment management. SJF Wealth managers can have backgrounds as independent Registered Financial Planner RFP and MBA's in Finance, or any credentialed professional money managers who work to enhance the income, growth and tax-favoured treatment of long-term investors. SJF Wealth management is often referred as a high-level  for the especially affluent.

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 •Helps you avoid making costly financial mistakes

 SJF Risk management program protects you from wrong investments and minimize your mistakes.

• Can help you pay less in taxes

  We help you strategize on how to save paying too much from taxes legally and efficiently via our SJF Tax Planning Program.

• Makes the difference between your Financial Success and Failure.

  Client’s see the whole picture and understand if their strategies will help them grow further or will result in high risk.

• Pays for themselves many time what they contribute to your life.

  SJF Wealth Management contributes to our client’s lives are huge. Saving millions and maximizing your investments ,creating more wealth to our clients.

• Helps you focus on the rest of your life and make it more enjoyable.

 SJF Wealth Management handles all your Financial Problems, investments and other personal requirement which helps you enjoy your life worry free.

2. What is SJF Wealth Management?

SJF Wealth Management  is a process which a SJF Wealth Financial Planner evaluates a client's current future financial state and balances futures clients risk by adding variables which asses the future asset values and liabilities.

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3. What is SJF Investment Management?

SJF Investment Management is a service which a client explains to the financial planner regarding his or her goals. They asses the clients growth and may recommend investing in financial materials which the client may consider.

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4. Do I really need SJF Wealth Management?

SJF Wealth managers do more than pick stocks. They can help you plan your total financial life.

SJF Wealth Management helps you identify what really benefits the client and develop financial strategies to compliment your financial goals. SJF Wealth Management has vast investment vehicles which will help you build and protect your hard earn money .

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5. I already have enough Income, do I still need a SJF Wealth Manager?

 Yes. People who engage in Wealth Management regardless of their net worth experience  a significantly greater senses of emotional and financial well being. Almost all  respondents who engage in comprehensive wealth management  system feel they are prepared to manage during economic times compare who  do not engaged in wealth management.

6. Is it better to get a Financial advice from advocates and brokers?

 No. Broker’s objective is to sell the product to you. Even though there are some brokers who tries to help the client, the main objective of the broker will still sell you the product.

  Some advocates lack the proper training and knowledge in line with investments and wealth management. Even though they have knowledge in a specific sector, this is dangerous  in general which affects the total future well being of an individual.

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7. I want to increase my earnings, do i need to increase my investments?

 No. There are factors  that we need to consider before we invest. Investments involves risk. We have to study the whole portfolio and client’s current performance before we start investing in different investment vehicles.

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8. I am interested with your service. How do I sign up?

 Click “Contact us” above. You may set up a meeting via phone, skype or visit our office.

9. I’m a Foreigner who stays in Manila, How do I sign up?

Click “Contact us” above. You may set up a meeting via phone, skype or visit our office.

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10. Is there a service that focuses mostly in investment?

Prime Service Group handles our Investment Planning. Talk to our SJF Wealth Financial Planner to know more about PSG

SFJ Wealth Management helps you grow faster and makes your life simple, happy and relaxed. Call SJF Hotline at 78-99099 for more details or visit our official website at www.sanjosefinancials.com 

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Question of the week March 21,2013 SJF Wealth Management

Question : How can I make most out of my savings? Is it risky to invest?

SJF Wealth Management Answers:
 This is a typical presumption of our clients. There are techniques that we can magnify your savings depending on your risk appetite,criteria and even your current situation. Always remember, even though you are not invested, the value of your money decreases due to inflation.

 Sparing some portion of your money for savings is the right way for a secured future but we strongly recommend to invest especially when you're young. There are investments for everyone than an individual can choose and studied on. From Conservative to Aggressive investors, you just need to know which kind of investment fits your goal.

Some steps to follow:

1. Identify your budget allocation for saving per month and year.

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2. Agree on the allocation for your investment depending on your risk appetite.
   We strongly suggest to use banks auto debit to transfer your funds to specific accounts.

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3. Monitor your growth.
      If you don't have any experience in investing, we recommend to invest on Mutual funds and UITF that is exposed for your goal.

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"Is there a shortcut in life?"

There are lots of Filipino's who wants to take the faster and easier route. To make you life quicker and easier, SJF offers Investment Management which helps you design your own investment portfolio. SJF Prime Service Group is the Flagship of SJF Wealth Management  which focuses mostly in Investment and Investment strategy around the world. Now, you can create your own investment fund not only in the Philippines but all around the world.
We strongly recommend to check all other financial factors first and your performance
before you invest. Consult a professional or an SJF Wealth Manager before investing.
 Always remember, Wrong Financial and Investment planning can destroy your life and future. Always ask professional before you start investing.

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To know more about SJF , visit www.sanjosefinancials.com
Visit our Facebook page, Click here.

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Benefits of SJF Wealth Management

In the Philippines, SJF Wealth Management is a new service for Filipino’s. Wealth Management focuses mostly on an individual’s Total growth instead of a section of your life.

Some key Benefits acquiring an SJF WealthManagement Service.

•  Show you the direction you are taking.

  SJF Wealth Management System helps you see the whole direction of your life.  Warning you with possible scenarios that can affect your lifestyle and wellbeing.

•  Saves you money and makes you money.

 Our team makes sure the quality of work is accurate and precise.  We make sure the quality of work with SJF SEAL of QUALITY.

 We help clients save money and create more money.

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•  Someone is looking after you

  From monthly expenditures  to future problems, SJF licensed Wealth Managers make sure our clients are prepared in scenarios that can affect their lives.

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• Helps you sort out the FACTS from the Sales Pitch.

  Client’s receive  all materials from insurance brokers, to bankers and real estate brokers. We sort out what you really need in life to achieve your goal.

• Can help you stop taking unnecessary risk.

  Invest in stocks heavily or Time deposits? SJF Wealth Management helps you maximize your investments with SJF PSG services.

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•Helps you avoid making costly financial mistakes

 SJF Risk management program protects you from wrong investments and minimize your mistakes.

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• Can help you pay less in taxes

  We help you strategize on how to save paying too much from taxes legally and efficiently via our SJF Tax Planning Program.

• Makes the difference between your Financial Success and Failure.

  Client’s see the whole picture and understand if their strategies will help them grow further or will result in high risk.

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* Risking your life planning with brokers and advocates

• Pays for themselves many time what they contribute to your life.

  SJF Wealth Management contributes to our client’s lives are huge. Saving millions and maximizing your investments ,creating more wealth to our clients.

Related Topics:
*Benefits of Wealth Management
*Future of Wealth Management in the Philippines

• Helps you focus on the rest of your life and make it more enjoyable.

 SJF Wealth Management handles all your Financial Problems, investments and other personal requirement which helps you enjoy your life worry free.

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