SALIENDRA, IVY VERON J.

Step 1: Document your goals.

1. What is your goal at age 20 (after graduation)?

My goal is to have P500k for emergency funds and/or travel.

2. What is your goal at age 30?

My goal is to have P1M to purchase a car.

3. What is your goal at age 40?

My goal is to have P2M to purchase an empty lot.

4. What is your goal at age 50?

My goal is to have P2.5M for my retirement.

1. My goal is to have P500k for emergency funds and/or travel.

INVESTMENT STRATEGY
STOCKS = 80%
 SM = 25%
 GSMI = 50%
 FB = 25%

TREASURY BONDS = 15%

MUTUAL FUND (PAG-IBIG 1) = 5%

YEAR ANNUAL AMOUNT NEEDED INVESTMENT

1 (AGE 23) 100,000 1. P80,000 FOR STOCKS

 P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
 P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

2 (AGE 24) 100,000 1. P80,000 FOR STOCKS

  P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
 P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

3 (AGE 25) 100,000 1. P80,000 FOR STOCKS

 P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
 P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

4 (AGE 26) 100,000 1. P80,000 FOR STOCKS

 P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
 P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

5 (AGE 27) 100,000 1. P80,000 FOR STOCKS

 P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
 P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

6 (AGE 28) 100,000 1. P80,000 FOR STOCKS

 P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
 P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

7 (AGE 29) 100,000 1. P80,000 FOR STOCKS

 P20,000/YEAR FOR SM
 P40,000/YEAR FOR GSMI
  P20,000/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAG-IBIG 1

2. My goal is to have P1M for a car.

INVESTMENT STRATEGY

STOCKS = 70%

 SM = 25%

 GSMI = 50%

 FB = 25%

TREASURY BONDS = 15%

MUTUAL FUND (PAG-IBIG 1) = 5%

MUTUAL FUND (PAG-IBIG 2) = 10%

YEAR ANNUAL AMOUNT NEEDED INVESTMENT

1 (AGE 30) 100,000 1. P70,000 FOR STOCKS

 P17,500/YEAR FOR SM
 P35,000/YEAR FOR GSMI
 P17,500/YEAR FOR FB
2. P15,000 FOR TREASURY
BONDS
3. P5,000 FOR PAGIBIG 1
4. P10,000 FOR PAGIBIG 2

2 (AGE 31) P30,000 1. P21,000 FOR STOCKS

5. P7,000/YEAR FOR SM
6. P7,000/YEAR FOR GSMI
7. P7,000/YEAR FOR FB
 2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

3 (AGE 32) P30,000 1. P21,000 FOR STOCKS

8. P7,000/YEAR FOR SM
9. P7,000/YEAR FOR GSMI
10.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

4 (AGE 33) P30,000 1. P21,000 FOR STOCKS

11.P7,000/YEAR FOR SM
12.P7,000/YEAR FOR GSMI
13.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

5 (AGE 34) P30,000 1. P21,000 FOR STOCKS

14.P7,000/YEAR FOR SM
15.P7,000/YEAR FOR GSMI
16.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

6 (AGE 35) P30,000 1. P21,000 FOR STOCKS

17.P7,000/YEAR FOR SM
18.P7,000/YEAR FOR GSMI
19.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

7 (AGE 36) P30,000 1. P21,000 FOR STOCKS

20.P7,000/YEAR FOR SM
21.P7,000/YEAR FOR GSMI
22.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

8 (AGE 37) P30,000 1. P21,000 FOR STOCKS

23. P7,000/YEAR FOR SM
24. P7,000/YEAR FOR GSMI
 25. P7,000/YEAR FOR FB

2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

9 (AGE 38) P30,000 1. P21,000 FOR STOCKS

26.P7,000/YEAR FOR SM
27.P7,000/YEAR FOR GSMI
28.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

10 (AGE 39) P30,000 1. P21,000 FOR STOCKS

29.P7,000/YEAR FOR SM
30.P7,000/YEAR FOR GSMI
31.P7,000/YEAR FOR FB
2. P7,000 FO R LANDBANK
UITF
3. P2,000 FOR PAGIBIG 1

4. My goal is to have P2M for an empty lot.

INVESTMENT STRATEGY

ETF = 50%

TREASURY BONDS = 15%

UITF = 10%

INDEX FUND = 5%

MUTUAL FUND (PAG-IBIG 1) = 5%

MUTUAL FUND (PAG-IBIG 2) = 15%

YEAR ANNUAL AMOUNT NEEDED INVESTMENT

1 (AGE 40) P1000,000 1. P50,000 FOR ETF

2. P15,000 FOR TREASURY
BONDS
3. P10,000 FOR
LANDBANK UITF
4. P5,000 FOR INDEX FUND
5. P5,000 FOR PAGIBIG 1
 6. P15,000 FOR PAGIBIG 2

2 (AGE 41) P50,000 1. P30,000 FOR STOCKS

7. P10,000/YEAR FOR SM
8. P10,000/YEAR FOR GSMI
9. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

3 (AGE 42) P50,000 1. P30,000 FOR STOCKS

10. P10,000/YEAR FOR SM
11. P10,000/YEAR FOR GSMI
12. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

4 (AGE 43) P50,000 1. P30,000 FOR STOCKS

13. P10,000/YEAR FOR SM
14. P10,000/YEAR FOR GSMI
15. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

5 (AGE 44) P50,000 1. P30,000 FOR STOCKS

16. P10,000/YEAR FOR SM
17. P10,000/YEAR FOR GSMI
18. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

6 (AGE 45) P50,000 1. P30,000 FOR STOCKS

19. P10,000/YEAR FOR SM
20. P10,000/YEAR FOR GSMI
21. P10,000/YEAR FOR FB
 2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

7 (AGE 46) P50,000 1. P30,000 FOR STOCKS

22. P10,000/YEAR FOR SM
23. P10,000/YEAR FOR GSMI
24. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

8 (AGE 47) P50,000 1. P30,000 FOR STOCKS

25. P10,000/YEAR FOR SM
26. P10,000/YEAR FOR GSMI
27. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

9 (AGE 48) P50,000 1. P30,000 FOR STOCKS

28. P10,000/YEAR FOR SM
29. P10,000/YEAR FOR GSMI
30. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2

10 (AGE 49) P50,000 1. P30,000 FOR STOCKS

31. P10,000/YEAR FOR SM
32. P10,000/YEAR FOR GSMI
33. P10,000/YEAR FOR FB
2. P10,000 FOR LANDBANK
UITF
3. P3,000 FOR PAGIBIG 1
4. P7,000 FOR PAGIBIG 2
My goal is to have P2.5M for my retirement.

INVESTMENT STRATEGY

TREASURY BONDS = 60%

UITF = 20%

MUTUAL FUND (PAG-IBIG 1) = 5%

MUTUAL FUND (PAG-IBIG 2) = 15%

YEAR ANNUAL AMOUNT NEEDED INVESTMENT

1 (AGE 50) P100,000 1. P60,000 FOR TREASURY

BONDS
2. P20,000 FOR
LANDBANK UITF
3. P5,000 FOR PAGIBIG 1
4. P15,000 FOR PAGIBIG 2
2 (AGE 51) P60,000 1. P24,000 FOR STOCKS
34. P8,000/YEAR FOR SM
35. P8,000/YEAR FOR GSMI
36. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2
3 (AGE 52) P60,000 1. P24,000 FOR STOCKS
37. P8,000/YEAR FOR SM
38. P8,000/YEAR FOR GSMI
39. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2
4 (AGE 53) P60,000 1. P24,000 FOR STOCKS
40. P8,000/YEAR FOR SM
41. P8,000/YEAR FOR GSMI
42. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2

5 (AGE 54) P60,000 1. P24,000 FOR STOCKS

43. P8,000/YEAR FOR SM
44. P8,000/YEAR FOR GSMI
45. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2

6 (AGE 55) P60,000 1. P24,000 FOR STOCKS

46. P8,000/YEAR FOR SM
47. P8,000/YEAR FOR GSMI
48. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2

7 (AGE 56) P60,000 1. P24,000 FOR STOCKS

49. P8,000/YEAR FOR SM
50. P8,000/YEAR FOR GSMI
51. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2
8 (AGE 57) P60,000 1. P24,000 FOR STOCKS
52. P8,000/YEAR FOR SM
53. P8,000/YEAR FOR GSMI
54. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
 3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2

9 (AGE 58) P60,000 1. P24,000 FOR STOCKS

55. P8,000/YEAR FOR SM
56. P8,000/YEAR FOR GSMI
57. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2

10 (AGE 49) P60,000 1. P24,000 FOR STOCKS

58. P8,000/YEAR FOR SM
59. P8,000/YEAR FOR GSMI
60. P8,000/YEAR FOR FB
2. P30,000 FOR TREASURY
BONDS
3. P2,000FOR PAGIBIG 1
4. P4,000 FOR PAGIBIG 2

As shown in this investment portfolio, my three chosen stocks to invest in are SM Investments
Corp. (SM), Ginebra San Miguel Inc. (GSMI) and San Miguel Food and Beverage, Inc.(FB). I have chosen
these three well-known companies as I am confident that they will not disappoint in stock performance.
If there is one stock I want to hold until retirement, that is SM, GSMI and FB.

As for my investments in UITF, I have chosen Landbank’s offer of UITF because it is where I am
sure it is more secure due to Landbank being known as a decent and government establishment. I also
raised the annual amount I need for investment for P10,000 every ten years because I expect to get
salary increase in the future.

PAG IBIG FUND 1 & 2, UITF, ETF, INDEX FUND, 3 STOCKS

 MY PORTFOLIO

I. MY GOALS
II.