Investment Portfolio

Czarina Patalod
Czarina PatalodACCOUNTANCY à BPI

Mini Thesis

Universal College of Parañaque
Investment
Portfolio
Submitted By:
Czarina Patalod
Eugene Jawerga
John Kenneth Mateo
Jolina Curiano
Christine Libardo
Submitted To:
Mrs. Eliza Carla P. Diez
TABLE OF CONTENTS
I. Introduction ----------------------------------------------------
1
II. Summary of Findings
II.1 Statement of Problems -------------------------------- 1
II.2 Presentations -------------------------------------------- 2
II.3 Conclusions ---------------------------------------------- 3
II.4 Recommendation ---------------------------------------- 3
III. Bibliography ---------------------------------------------- 4
IV. Appendices
4.1 Letters ------------------------------------------------------- 5
4.2 Portfolio from Banks ------------------------------------- 8
4.3 Pictures ------------------------------------------------------ 10
4.4 Curriculum Vitae ------------------------------------------- 13
1
Introduction:
Nowadays we are experiencing and encounter a crisis in money. It is difficult
for us to earn money. Many people don't know how to manage and save their
money well. They intend to go to the banks to know more about the proper way
of using and keeping their money. In the bank, the tellers teach and suggest their
client on how to grow their money easily in simplest way and that is investment.
Investment is investing your money in order to earn a financial return. If you are
risky, you will invest more money and you will choose the long term
investment. But the banks assure you that the money you will invest will not put
into waste. So think twice in investing and keeping your money because saving
and earning money is not easy.
Summary of Findings
Statement Of Problems:
1. Which bank gives higher yield of investment?
= Based on the interview, the researchers were able to identify that Security
bank yields higher investment because they give maximum of 4.5 % for 5 years
if I should invest in long term and maximum of 1% for 1 year if I invest in short
term.
2. How much is the minimum placement fee?
= For short term 100,000 pesos , for long term 500,000 pesos and for
intermediate term 10,000 pesos.
3. Which term is better for investment?
a. Long term
b. Short term
c. Intermediate term
= Long term because most of investors are willing to take the risk because they
know that “ The longer the investment, the higher the return of money” . It will
be used to secure family needs, to achieve child dreams and to cover
emergencies.
3
Conclusions:
Many banks give higher yield of investment and some of those banks are Security
Bank, China Bank and Banco De Oro. We have a good opportunity to have an
interview with them to know more about how people invest their money or property.
Most of the banks offer short term and long term like China Bank and Banco de Oro
while Security bank they offer Short term, Long term and Intermediate Term. They
are almost has a same use of length of days in Short term while in long term they are
differ to each other. They often use Time deposits for short term while in long term,
Security Bank usually form of Corporate Bonds and Banco De Oro usually form of
Stocks whereas in Intermediate Term usually form in Trust Funds. In China Bank and
Security Bank, they are more favorable in long term investment because most of the
investors are willing to take the risk for the higher rate and higher return of money to
them while in Banco De Oro both favorable to short term and long term because it is
depend on the investors what they want. Some of the banks have Traditional
Investment that usually forms in Time Deposits and High Risk usually forms in
Stocks. In China Bank, they are more favorable in Traditional Investment because
even though you are not earning higher return of money but there’s have no chance to
lose it whereas in High Risk bigger return of money, bigger chances to lose it but it
Security Bank they are more favorable in High Risk because Filipino should invest
this to have higher return of investment and to increase our Gross Domestic Product.
If the GDP Growth increase in the Philippines, it means that our economy is growing
and improving.
Recommendation:
The researchers suggest Security Bank because they offer higher rate of investment.
They have low requirements and maintaining balance. They also offer flexible terms
from as short as 30 days to 1 year and higher interest rates based on prevailing market
rates.
4
REFERRENCES
http://www.bdo.com.ph/personal/trust-and-investments/unit-
investment-trust-funds/bdo-equity-fund
http://www.investorwords.com/395/balance_of_risks.html
http://www.bdo.com.ph/personal/trust-and-investments/unit-
investment-trust-funds/bdo-peso-balanced-fund
http://en.wikipedia.org/wiki/Corporate_bond
http://www.investinginbonds.com/learnmore.asp?
catid=10&subcatid=47&id=177
http://useconomy.about.com/od/grossdomesticproduct/f/GDP_Growt
h_Rate.htm
http://www.investopedia.com/terms/g/gdp.asp
http://www.investopedia.com/financial-edge/0512/low-vs.-high-risk-
investments-for-beginners.aspx
http://en.wikipedia.org/wiki/Market_value
http://www.investopedia.com/terms/n/nav.asp
http://en.wikipedia.org/wiki/Stock
http://www.investopedia.com/terms/m/marketvalue.asp
http://www.investopedia.com/terms/t/timedeposit.asp
http://en.wikipedia.org/wiki/Traditional_investments
http://www.investopedia.com/terms/t/trust-fund.asp
5
APPENDICES
(a.) Letters
Security Bank
China Bank 6
Banco De Oro (BDO) 7
8
(b.) Portfolio from Banks
From Banco De Oro
9
10
(c.)Pictures
11
12
13
Christine T. Libardo
Address: #159 Olivarez Compound, San Isidro Parañaque City
Phone Number: 09356057177
Email Address: sweet_christine@ymail.com
Student Number: 20140474
Birthday: September 16, 1998
Birth Place: Manila City
Age: 16
Marital Status: Single
Sex: Female
Religion: Roman Catholic
14
Eugene Vincent P. Jawerga
Address: #262 Purok I, Silverio Compound Sucat Parañaque City
Phone Number: 09303269885/09152556899
Email Address: Eug_Jawergs@yahoo.com
Student Number: 20140057
Birthday: October 7, 1996
Birth Place: Parañaque City
Age: 18
Marital Status: Single
Sex: Male
Religion: Born Again
15
Czarina Mae R. Patalod
Address: Block 6 Lot 2 Apple St. Green Valley Compund Manuyo 2, Las Piñas City
Phone Number: 09362665422
Email Address: czarinapatalod@gmail.com
Student Number: 20140101
Birthday: June 9, 1997
Birth Place: Vigan, Ilocos Sur
Age: 17
Marital Status: Single
Sex: Female
Religion: Roman Catholic
16
Jolina O. Curiano
Address: #338 Dalandan St. Sampaloc Site II Brgy. BF Homes Parañaque City
Phone Number: 09264243910
Email Address: belle.curiano@yahoo.com
Student Number: 20140027
Birthday: March 31, 1998
Birth Place: Parañaque City
Age: 17
Marital Status: Single
Sex: Female
Religion: Roman Catholic
Contribution to the research team:
17
John Kenneth M. Mateo
Address: #6 Doña Rita Diaz St. Fortunata Village Sucat Parañaque City
Phone Number: 09053843868
Email Address: 09063185968@yahoo.com
Student Number: 20140132
Birthday: February 5, 1998
Birth Place: Parañaque City
Age: 17
Marital Status: Single
Sex: Male
Religion: Roman Catholic

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Investment Portfolio

  • 1. Universal College of Parañaque Investment Portfolio Submitted By: Czarina Patalod Eugene Jawerga John Kenneth Mateo Jolina Curiano Christine Libardo Submitted To: Mrs. Eliza Carla P. Diez
  • 2. TABLE OF CONTENTS I. Introduction ---------------------------------------------------- 1 II. Summary of Findings II.1 Statement of Problems -------------------------------- 1 II.2 Presentations -------------------------------------------- 2 II.3 Conclusions ---------------------------------------------- 3 II.4 Recommendation ---------------------------------------- 3 III. Bibliography ---------------------------------------------- 4 IV. Appendices 4.1 Letters ------------------------------------------------------- 5 4.2 Portfolio from Banks ------------------------------------- 8 4.3 Pictures ------------------------------------------------------ 10 4.4 Curriculum Vitae ------------------------------------------- 13
  • 3. 1 Introduction: Nowadays we are experiencing and encounter a crisis in money. It is difficult for us to earn money. Many people don't know how to manage and save their money well. They intend to go to the banks to know more about the proper way of using and keeping their money. In the bank, the tellers teach and suggest their client on how to grow their money easily in simplest way and that is investment. Investment is investing your money in order to earn a financial return. If you are risky, you will invest more money and you will choose the long term investment. But the banks assure you that the money you will invest will not put into waste. So think twice in investing and keeping your money because saving and earning money is not easy. Summary of Findings Statement Of Problems: 1. Which bank gives higher yield of investment? = Based on the interview, the researchers were able to identify that Security bank yields higher investment because they give maximum of 4.5 % for 5 years if I should invest in long term and maximum of 1% for 1 year if I invest in short term. 2. How much is the minimum placement fee? = For short term 100,000 pesos , for long term 500,000 pesos and for intermediate term 10,000 pesos. 3. Which term is better for investment? a. Long term b. Short term c. Intermediate term = Long term because most of investors are willing to take the risk because they know that “ The longer the investment, the higher the return of money” . It will be used to secure family needs, to achieve child dreams and to cover emergencies.
  • 4. 3 Conclusions: Many banks give higher yield of investment and some of those banks are Security Bank, China Bank and Banco De Oro. We have a good opportunity to have an interview with them to know more about how people invest their money or property. Most of the banks offer short term and long term like China Bank and Banco de Oro while Security bank they offer Short term, Long term and Intermediate Term. They are almost has a same use of length of days in Short term while in long term they are differ to each other. They often use Time deposits for short term while in long term, Security Bank usually form of Corporate Bonds and Banco De Oro usually form of Stocks whereas in Intermediate Term usually form in Trust Funds. In China Bank and Security Bank, they are more favorable in long term investment because most of the investors are willing to take the risk for the higher rate and higher return of money to them while in Banco De Oro both favorable to short term and long term because it is depend on the investors what they want. Some of the banks have Traditional Investment that usually forms in Time Deposits and High Risk usually forms in Stocks. In China Bank, they are more favorable in Traditional Investment because even though you are not earning higher return of money but there’s have no chance to lose it whereas in High Risk bigger return of money, bigger chances to lose it but it Security Bank they are more favorable in High Risk because Filipino should invest this to have higher return of investment and to increase our Gross Domestic Product. If the GDP Growth increase in the Philippines, it means that our economy is growing and improving. Recommendation: The researchers suggest Security Bank because they offer higher rate of investment. They have low requirements and maintaining balance. They also offer flexible terms from as short as 30 days to 1 year and higher interest rates based on prevailing market rates.
  • 5. 4 REFERRENCES http://www.bdo.com.ph/personal/trust-and-investments/unit- investment-trust-funds/bdo-equity-fund http://www.investorwords.com/395/balance_of_risks.html http://www.bdo.com.ph/personal/trust-and-investments/unit- investment-trust-funds/bdo-peso-balanced-fund http://en.wikipedia.org/wiki/Corporate_bond http://www.investinginbonds.com/learnmore.asp? catid=10&subcatid=47&id=177 http://useconomy.about.com/od/grossdomesticproduct/f/GDP_Growt h_Rate.htm http://www.investopedia.com/terms/g/gdp.asp http://www.investopedia.com/financial-edge/0512/low-vs.-high-risk- investments-for-beginners.aspx http://en.wikipedia.org/wiki/Market_value http://www.investopedia.com/terms/n/nav.asp http://en.wikipedia.org/wiki/Stock http://www.investopedia.com/terms/m/marketvalue.asp http://www.investopedia.com/terms/t/timedeposit.asp http://en.wikipedia.org/wiki/Traditional_investments http://www.investopedia.com/terms/t/trust-fund.asp
  • 8. Banco De Oro (BDO) 7
  • 9. 8 (b.) Portfolio from Banks From Banco De Oro
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  • 14. 13 Christine T. Libardo Address: #159 Olivarez Compound, San Isidro Parañaque City Phone Number: 09356057177 Email Address: sweet_christine@ymail.com Student Number: 20140474 Birthday: September 16, 1998 Birth Place: Manila City Age: 16 Marital Status: Single Sex: Female Religion: Roman Catholic
  • 15. 14 Eugene Vincent P. Jawerga Address: #262 Purok I, Silverio Compound Sucat Parañaque City Phone Number: 09303269885/09152556899 Email Address: Eug_Jawergs@yahoo.com Student Number: 20140057 Birthday: October 7, 1996 Birth Place: Parañaque City Age: 18 Marital Status: Single Sex: Male Religion: Born Again
  • 16. 15 Czarina Mae R. Patalod Address: Block 6 Lot 2 Apple St. Green Valley Compund Manuyo 2, Las Piñas City Phone Number: 09362665422 Email Address: czarinapatalod@gmail.com Student Number: 20140101 Birthday: June 9, 1997 Birth Place: Vigan, Ilocos Sur Age: 17 Marital Status: Single Sex: Female Religion: Roman Catholic
  • 17. 16 Jolina O. Curiano Address: #338 Dalandan St. Sampaloc Site II Brgy. BF Homes Parañaque City Phone Number: 09264243910 Email Address: belle.curiano@yahoo.com Student Number: 20140027 Birthday: March 31, 1998 Birth Place: Parañaque City Age: 17 Marital Status: Single Sex: Female Religion: Roman Catholic Contribution to the research team:
  • 18. 17 John Kenneth M. Mateo Address: #6 Doña Rita Diaz St. Fortunata Village Sucat Parañaque City Phone Number: 09053843868 Email Address: 09063185968@yahoo.com Student Number: 20140132 Birthday: February 5, 1998 Birth Place: Parañaque City Age: 17 Marital Status: Single Sex: Male Religion: Roman Catholic