Open an Online Account
I don’t work for Citiseconline.
But I highly recommend that you use it as your way into
I’m recommending it to you because they’re the best
online trading platform in the country today. They’re also the
biggest. (And to be upfront about it, I also bought Citiseconline
stocks. Yes, they’re a publicly listed company too. I believe in
the team that owns and runs it.)
Do you want to invest using a traditional stock broker?
My mother used to do that.
She’d pick up the phone and give instructions. “Please
buy for me…”
Just for fun, I dare you try doing that with your P5000.
See what will happen.
At least, you’ll give someone a good laugh and de-stress
You see, traditional stock brokers will never handle the
accounts of my house helpers. I can’t blame them. Manpower
is very expensive.
But Citiseconline will handle the accounts of my house
Precisely because everything is done online.
It’s Really Easy
Citiseconline has made it very simple for small investors.
They created the Easy Investment Program or EIP.
If you have P5000 or more, you can start investing. P5000
is the initial minimum amount. It’s up to you how much you’ll
invest after that. After that, Citiseconline won’t remind you to
deposit your monthly investments.
But at the TrulyRichClub, I’ll do that.
That’ll be my service to you.
I’ll bug you every month to invest. I’ll email you my Stocks
Update to remind you to follow your investment plan. (More on
For the Easy Investment Program, Citiseconline suggests
the great companies you can invest in—companies that they
believe will be around for the next 10 years or more.
Blow the trumpets please!
Here they are…
Company Name Stock Symbol
Ayala Land Inc. ALI
Bank of the Phil. Islands BPI
Jollibee Food Corp. JFC
Manila Water Co. Inc. MWC
SM Prime Holdings, Inc. SMPH
Phil. Long Distance Tel Co. TEL
Every month, you can deposit P5000 (or whatever amount
you want to put in) into your Citiseconline account. No need to
go to their office to do this. You can do it through a bank deposit
via any branch of BDO, BPI, Security Bank, and HSBC.
From the comfort of your home, you can open your
computer, log onto the website, and buy the stocks from the list
above that you like. You’re doing it. You’re in control.
Very Important Note: All companies require a minimum
number of shares or what they call “Board Lot” every time you
want to buy shares. So if you only have P5000, you won’t be
able to buy shares from PLDT, Jollibee, and SM Prime Holdings.
Because their prices are higher.
Example: As I write this piece, Jollibee is selling at P58 and
they require a minimum of 100 shares. So that means you’ll
need at least P5800 to buy shares from Jollibee.) So if you only
have P5000 to invest, choose between Ayala Land, Manila Water,
and Bank of the Phil. Islands. Those are solid, great companies
that will make you wealthy in 20 years.
So every month, buy.
When will you sell?
Oh, in about twenty years.
I’m not kidding.
Make the stock market your big piggy bank.
Important Note: In the off chance that there’ll be a grave
reason to sell, I’ll tell you about it through my monthly Stocks
Update. (More on this later.)
Now let me speak to those who have more money…
If You Have P1M or More,
You Can Also Do a Variation of EIP
As I write this, Citiseconline has yet to launch this
If you have more money—say P1M or more—and you
want to invest in the stock market, you can do a variation of
their Easy Investment Program (EIP).
From what I hear, they may call it Accumulator Plus. (You
know how they like sophisticated names.)
I just call it EIP with caffeine. Or EIP with boosters. Or
Or EIP Plus.
Hey, these terms are just between you and me, okay?
Don’t call up Citiseconline and ask for Super EIP. They won’t
understand what you’re talking about.
This is what this EIP with caffeine is all about: There’s
another list of great companies whose share prices are really
low—and who are about to go up within these next six
So if you have P1M, don’t invest it all in one plop.
If the market crashes, you’ll have a heart attack.
Even if you know that it’ll go up again in thefuture, it’s
So why not divide your P1M into five parts—and invest
P200,000 every month? That way, if the price goes down, yourP200,000 will be buying more shares in the next few months
If the price goes up, you’re still earning very well from yourfirst investments. The important thing is that you can sleep at night.. So select two, three, or four companies from the magic list of growth companies below. According to Citiseconline, these are the companies that are undervalued today (meaning: share prices are cheap compared to their real value):
Company Name Stock Symbol Target Price
Energy Dev. Corp. EDC P6.50
First Gen Corp. FGEN P15.50
First Philippines Holdings FPH P75.00
Security Bank SECB P63.50
Engineering Equip. EEI P3.40
Manila Water Co. Inc. MWC P20.75
Note: I’m writing this in March 2010. This list will change!
So when will you sell?
Unlike the original EIP where you don’t sell, the EIP Plus
has a specific price you’re waiting for. Do you see the target
price above? If the price of the share goes very near that target,
sell your shares. Keep your earnings and wait for another
opportunity to invest again.
You may ask, “But Bo, what if it goes higher than the
Don’t be greedy. Better to be safe. Unless Citiseconline
analysts set a higher target price for the company, I’ll sell. I’ll
be happy with the profits. I won’t be greedy. I’ll wait for other
What Stocks Have I Bought
My house helpers are doing an EIP.
So they’ve bought shares of Ayala Land (ALI) and Manila
Water (MWC). But two of my helpers also bought First Gen
(FGEN) and Energy Dev (EDC), two companies that aren’t
listed in the EIP—but in the EIP Plus. But since I’m monitoring
their accounts, they’re safe. Once these two companies reach
the target price, they’ll sell.
Personally, I’m doing an EIP Plus. (Remember, this is
just our term. Citiseconline will most likely call it Accumulator
I’ve bought First Gen (FGEN), First Phil Holdings (FPH),
and Engineering Equipment (EEI). So far, I’m very happy with
I also have other stocks that don’t fall into these lists. I have
Universal Robina (URC) but I’ll sell this soon when it reaches its
target price of P25. I also have Citiseconline (COL), but I think
this is more of an emotional purchase than anything else. I just
love this company and the people behind it.
Okay, it’s time to open your account.
Log on to www.citiseconline.com now.
4-Step Application Process
1. Go to www.citiseconline.com
On their website, click on their Easy Investment Program or
You’ll read stuff that you read in this book, but you’ll
understand it more.
Repetition is the mother of all skill.
So keep reading!
2. Submit an Application Form & Other Documents
From their website, you can download an Application
Form. Simply print it out, fill in the information, and mail
all required documents to their office. And then call up
for any questions. Their phone number is Tel. 6333-777. Or
better yet, visit their office and talk to someone face to face.
Their office is 2403-B East Tower, Philippine Stock Exchange
Centre Exchange Road, Ortigas Center Pasig City. Just walk
right in and say, “I want to open an account.” Someone will
walk you through the application process.
3. Deposit Your Money
If you visit the office, you can bring your cash or a check.
Not going to their office? You can deposit your money to
Citiseconline using any branch of BPI, BDO, Security Bank,
and HSBC. Again, their website will tell you how to do
See You at My Next
As my TrulyRichClub member, I’ll send you a Stocks Update
In one single page, I’ll tell you everything you need to know
about your stock investments. Here are the other things I’ll do for you
through my Stocks Update.
I’ll remind you to invest each month. I’ll urge you, push you,
beg you to be faithful to your monthly investments.
I’ll tell you when it’s time to sell the stocks I wrote about here.
I’ll tell you the new undervalued stocks that you can buy.
I’ll tell you what I’m doing with my own stocks.
I promise: In plain, simple English. No financial jargon you
In the meantime, keep learning.
May your dreams come true,
PS. Did a friend pass this Ebook to you? For those who are not
yet members of the TrulyRichClub, I’m personally inviting you
to join me and invest in your spiritual and financial education.
You won’t regret it. Receive my Stocks Update every month,
plus a mountain load of material for your financial and spiritual
growth. To try it out, click at the link below.