Where Should You Invest?

Where Should You Invest?

By: Marvin Germo | March 3, 2016

In spite of the volatility over the past few months the Philippine Stock Exchange index (PSEi) is up nearly 300% from its 2008 lows and the property markets in Bonifacio Global City (BGC) and Makati have already more than doubled. The stable and reliable government and corporate bonds, though not moving as much, remain a steady source of passive income that still outperform any bank deposits out there.

While all of these investments have been moving upward, our consumption-driven economy has also been skyrocketing and moving up parallel to those investments, hitting and maintaining a 5–7% GDP growth range over the past few years. This is in the midst of lackluster performances by other economies in the world. Our inflation (increase in the price of goods) and interest rates continue to be low, while our BPO Industry and OFW remittances continue to rock and change the dynamics of the business landscape in the Philippines.

We are living in exciting times, my friends! However, in spite of this amazing growth, less than 1% of the population is investing in the stock market and as of this writing we only have 244,787 mutual fund accounts and 3.9 Million life insurance policies in force for a population of almost 100 Million.

Where Should You Invest?

There seems to be a disconnect between our amazing growth story and the number of Filipinos who are investing. I always say in my talks that, in a growing economy, the rich will always get richer. Which is why I believe it is time for every Filipino to take part in this change. It is no longer a question of whether the economy will get better or not but it is rather a question of what you are going to do to take advantage of the growing economy.

 The reason I am so passionate about writing and talking about investing is that I believe our country is bound for greater things: That we will see a new breed of Filipinos starting their own businesses, and that there will be a new generation of market shakers who will massively invest and make their money work hard for them. I believe that we Filipinos can do this, and I will do everything I can in my sphere of influence to transform consumers into investors. Are you with me?

In my numerous talks in the Philippines and abroad, and in the TV and radio interviews that I have had the opportunity to do, I have repeatedly heard this one pressing question: Where should I invest?

That question, if not answered correctly, could lead Filipinos to take part in investments that do not fit them. One bad example I have seen far too often is that during downturns, new investors will panic and sell at a loss. Another incorrect answer I’ve seen is our kababayans placing their bonuses and savings in scams and get-rich-quick schemes.

Over the past 3 years, I have written books primarily on stocks and stock market investing. However, I have realized that a guide or a lifeline as to where Filipinos can invest their hard-earned money is sorely needed. I have also realized that most books about investing strategies and risks were written specifically for western audiences and those that are written by Filipinos for Filipinos are so few in number.

That’s why this book is quite different from what you are used to if you are an avid follower of my Stock Smarts series. This book aims to take your learning a step higher. It will give you a better perspective on the different investments that are out there, along with the strategies and phases in which investments will work or not.

 I dream of a day when multitudes of Filipinos are not just debt-free and have ample savings but also have their own businesses or massive investments. I dream of a day when walking across Ayala Avenue and Paseo De Roxas, I will see more people stop and check what is happening to their stocks. I dream of a day when people riding our MRTs would check out the latest investment and business news instead of the latest gossip.

 If you are hungry to know more about where to invest, I believe this book is for you.

 This book is for you…

  • If you are just starting out and do not know how to start building wealth
  • If you are on your own and don’t have a trust fund to rely on
  • If you are in debt or have a hard time saving money
  • If you think you should quit your job and start your own business
  • If you do not know where to invest first, whether it be real estate, stocks, bonds, or even starting a business
  • If you have no idea how to create cash
  • If you have read the Stock Smarts book series and want deeper understanding on business, financial planning, and other investments
  • If you just want to make your money work hard for you

 My deepest desire is that this book helps you build a strong foundation in the different aspects in your investing life and that it becomes a one-stop shop for everything you need to know about business, finance, and investing. I want you to be so confident that, after reading this book, you venture out and pursue the God-given desires that have been placed in your heart. I believe the reason you are reading this book is because there is already an inkling, a desire, a yearning that you want more than the usual. It can be done! You can be financially free. I believe in you! I am excited to start, are you?

If you are, then get ready and buckle up—it’s time to know Where Should You Invest.

If you want to pre-order the book you may order by clicking this link or join us for the book launch at the Financial Fitness Forum this March 12, 2016 at the SMX Aura.

Here’s what other people say about the book:

Miriam Quiambao-Roberto
TV Host, Entrepreneur, Inspirational Speaker, Author

“Marvin has a gift of breaking down complex ideas into simpler terms. This book will help you determine the step by step process of investing wisely and effectively. Whether you are a low income earner considering to begin investing or a sophisticated investor, you will surely learn much from this book to maximize income and be a blessing to many.”

Diwa Guinigundo
Deputy Governor, Bangko Sentral ng Pilipinas

“This book connects the dots of wealth creation, multiplication and preservation…. Marvin rightly concludes that creating wealth has a purpose.”

Valerie N. Pama
President, Sun Life Asset Management Company Inc. 

“I am grateful that Marvin has written this book to save our fellow Filipinos from being misled to invest their hard-earned money in get-rich-quick schemes. Now attaining a per capita of $3000, our countrymen have money to invest but need guidance and tips on what investments and strategies are appropriate for their needs. I believe Marvin’s book will educate and simplify these concepts to the ordinary Filipino and build our culture from merely spending but to investing as well.”

Ferdinand Berba
President and CEO, Philam Asset Mangegement Inc.

“The road to Financial Wellness is often times difficult because people get indigestion with information overload and advice from so many experts! Marvin has walked the path and has a rare gift of simplifying theories and integrating his experiences to make it understandable even to grade school kids! His new book is a must read and should give the reader the insights necessary to ensure anyone can take the Financial Wellness journey and achieve his or her “wealth” goals and dreams.”

Rex Mendoza
Managing Director and Founder, Rampver Financials

“There are many advocates of personal finance and investing, and their effectiveness can be highly variable. Marvin is one of the highly successful ones because of two important reasons – he knows how to simplify and he connects and leads his readers directly to execution. The key issues facing people who want to change their financial track are understanding and action, and Marvin certainly addresses these with ease and conviction.”