This is a book written for newbie investors who would like to start investing, but does not have any idea about investing. The writer is an OFW from the Middle East. It is just like a One Stop Shop for Investing Information as an OFW. Here is the Table of Contents Figures and Table List iv Chapter 1: Introduction Chapter 2: Why Do We Need to Start Investing Chapter 3: Types of Investment Available for OFW Chapter 4: Skills Needed to Start Investing Chapter 5: Risk Associated in Investing Chapter 6: How to Avoid Risk in Investing Chapter 7: Checklist of Documents Needed in Investing as an OFW Chapter 8: How to Start Investing I. Mutual Funds / Stock Market II. SSS III. Pag-IBIG Funds Chapter 9: How to Monitor Your Investment I. Mutual Funds II. Stock Market III. SSS IV. Pag-IBIG Funds Chapter 10: How to Add up Your Investment Chapter 11: Keeping Your Investment Mindset Chapter 12: Give It Back To God References: Definition of Terms Annex A: How to get your TIN (Tax Identification Numbers) Annex B – Types of Mutual Funds Annex C – Advantages in Investing in a Mutual Fund Annex D – Mutual Fund Companies Contact Details Annex E – Blue Chips Companies of PSEI Annex F – TO DO LIST while in Philippines

2. Investment Guide for OFW
Step by Step Guide for Newbie Investor
By Engr. Dexter Panganiban
www.pinoyinvestmentguide.com

3. Investment Guide for OFW
Step by Step Guide
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Copyright – 2015
Dexter Panganiban
All rights reserved, No Part of this book may be reproduced in any form, except
for the inclusion of brief quotations in review, without permission in writing
from the author/publisher

4. Table of Contents
Figures and Table List........................................................................................................iv
Chapter 1: Introduction.................................................................................................... 1
Chapter 2: Why Do We Need to Start Investing ................................................ 3
Chapter 3: Types of Investment Available for OFW ........................................ 6
Chapter 4: Skills Needed to Start Investing....................................................... 14
Chapter 5: Risk Associated in Investing............................................................... 15
Chapter 6: How to Avoid Risk in Investing......................................................... 17
Chapter 7: Checklist of Documents Needed in Investing as an OFW.. 19
Chapter 8: How to Start Investing........................................................................... 21
I. Mutual Funds / Stock Market.......................................................................... 21
II. SSS .............................................................................................................................. 22
III. Pag-IBIG Funds ............................................................................................... 23
Chapter 9: How to Monitor Your Investment .................................................... 24
I. Mutual Funds............................................................................................................. 24
II. Stock Market.......................................................................................................... 24
III. SSS........................................................................................................................... 24
IV. Pag-IBIG Funds ................................................................................................... 24
Chapter 10: How to Add up Your Investment ................................................... 25
Chapter 11: Keeping Your Investment Mindset............................................... 26
Chapter 12: Give It Back To God............................................................................... 27
References: ............................................................................................................................ 28
Definition of Terms............................................................................................................ 29
Annex A: How to get your TIN (Tax Identification Numbers)................. 30
Annex B – Types of Mutual Funds............................................................................. 31
Annex C – Advantages in Investing in a Mutual Fund.................................. 32
Annex D – Mutual Fund Companies Contact Details...................................... 35
Annex E – Blue Chips Companies of PSEI............................................................ 40
Annex F – TO DO LIST while in Philippines ........................................................ 42

5. Figures and Table List
Figure 1 (Mutual Fund Risk Level).................................................. 7
Table 1 Online Broker as of Dec 2015 ............................................ 9
Table 2 Estate Tax Rates Effective Effective January 1, 1998 up to
Present .....................................................................................16
Table 3 Sample Cost Averaging Savings ........................................17
Table 4 Mutual Fund Companies ...................................................35
Table 5 Blue Chips Company As of Dec 2015 .................................40

6. Investment Guide for OFW
Step by Step Guide
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Chapter 1: Introduction
If any of you lacks wisdom, you should ask God, who gives generously to all
without finding fault, and it will be given to you. James 1:5 (NIV)
It is a fact that most OFW, are broke. In my 15 years of working in Saudi
Arabia, I have seen lots of Filipinos going home broke. As in no money
in their wallet, I remember the first time I went home, I only brought
home $500 in my pocket after working 1 whole year in Saudi Arabia. I
want to share why did brought only $500 at that time? Well, It is
because of the following reasons:
1.)My Salary is Low
2.)I brought too much “Pasalubong”
3.)I spend a lot in communication (On that time, there is no mobile
phone and internet connection is limited)
4.)I don’t know how to manage my finances
5.)I am engaged in gambling (Lotto, Lottery Ending and the like)
6.)I don’t have additional income except from my salary
Above mentioned reasons were just some of the common reasons why
OFW became broke even salary is high in the Middle East.
First timers, becomes too excited that they thought Overseas work is
like hitting a pot of gold. We didn’t realize that in overseas country we
have to spend the same currency that we are receiving from our
employer. We don’t understand that cost of living in the Philippines is a
way different from the cost of living in any country where we go.
Some of the problems that I saw from my experiences in Saudi Arabia
and through stories from my friends, and colleagues in the office are as
follows:
1.)Some OFW tries to get another family, to ease their boredom

7. Investment Guide for OFW
Step by Step Guide
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2.)Some OFW are getting hooked with social media and eventually
sending phone loads and other valuable items to their chat mate
3.)Some OFW became a social media cautious wherein they show
expensive restaurant just to show that they can afford it. Even
though they knew that it is hurting their monthly budget.
4.)Some OFW bought gadgets because of envy to their officemates,
without knowing the features of the gadget that they purchased.
With those problems mentioned above, I conceptualize this E-book to
teach people like you about the importance of Investing, as well as to
remind you the main objective why do you have to leave your family
back in the Philippines to work overseas.

8. Buy the Full E-Book at
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