Best Blue-Chip Stocks in the Philippines 2021

The following are the best blue-chip stocks to invest this 2021.

They are also high-quality stocks or premium stocks that are great to invest for long term or short term (flipping) if you prefer.

These stocks usually give out dividends as well so we love having shares of them.

Best blue chip stocks in the Philippines you should invest right now to earn more money and build millions in the stock market.

Before we share you the list of best bluechips here, let us first discuss what they are.

What are Blue-Chip Stocks?

The term blue chip came from the popular game poker because blue chips have the highest value. Blue-chip stocks are stocks from large corporations or well-established companies that have operated for many years already.

These companies are well-known, well- established and well-recognized as “Giants” because they usually come profitable and stable in spite of economic challenges thus making them not too volatile.

Who usually invest blue chip stocks?

Usually everyone or those passive investors who are into long term and who prefer less volatility than active trading, penny stocks, new stocks and the like.

What are the Best Blue Chip Stocks in the Philippines in 2021?

If you are looking for the list if best blue chip stocks in the Philippines this 2021 or best blue chip companies to invest with, here are our recommendations from each sector (in no particular order).

Note that we didn’t list all the blue chips, we just listed our best recommendations. Meaning we have carefully selected the best picks. If you’d rather be looking for the complete list, go over this page: PSEI Stocks.

Again, the list below are the best blue chip stocks we believe have the best fundamentals, strong balance sheets, excellent management, great recurring income, and reputable status.

  • Ayala Corp. (Conglomerates)
  • Ayala Land, Inc. (Property)
  • Aboitiz Power Corp. (Power)
  • Banco De Oro (Bank)
  • Bank of the Philippine Islands (Bank)
  • Int’l Container Terminal Services (Port Operations)
  • Jollibee Foods Corp. (Consumer)
  • Metropolitan Bank & Trust Company / Metrobank (Bank)
  • Metro Pacific Investments (Infrastructure)
  • SM Investments Corp. (Conglomerates)
  • SM Prime Holdings (Property)
  • TEL PLDT (Telecom)
  • Universal Robina Corp. (Consumer)

To fully help and guide you better in investing, we have the Buy-Below-Price margin and Target Price based from recent valuations of the stocks.

You can use these stocks if you’re either into flipping or you’re into long term investment (Peso-Cost-Averaging) as well.

If you’re into long term investing, follow PCA method and keep on investing every month until you reached your target time or target profit.

StocksBBP (Buy-Below-Price)Target PriceEstimated Revenue
AC884110525%
ALI404820%
AP26.8033.5025%
BDO107.5012920%
BPI76.679220%
ICT97.5011720%
JFC21525820%
MBT54.176520%
MPI4.835.8020%
SM900112525%
SMPH404820%
TEL1,312164025%
URC12415525%

Always remember all investments have risks. Past and present performance don’t guarantee future performance.

Other Stock Picks:

best bluechip stocks philippines 2021
these stocks are the Aces in the house

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About Fehl Dungo

Founder of DailyPik, trusted fund manager and investor. I have a Degree in Accountancy and a background in Finance. I analyze stocks everyday. COPY my Portfolio on eToro Connect with me on Facebook

315 thoughts on “Best Blue-Chip Stocks in the Philippines 2021”

  1. Hi Ms Fehl,
    Thank you for sharing this details. This is a big help for me since I’m only a beginner.
    I would like to ask if the BBP and TP of the listed blue chips stocks above are still applicable up to now? Especially the AP, SMPH, ALI, BDO, JFC as I’m planning to buy stocks from them for my long term plan.

    Thank you in advance 🙂

    Reply
    • It’s impossible to tell if the market will still dip even further. But the lock-down still continues here in the Philippines and some countries. We better buy on batches – like this week and the next following weeks than missing the opportunity. Either way, good named stocks for long term can reward you soon if you did not miss buying on the dip 🙂

      Reply
      • Hi Maam Fehl, good day! May I ask you about East West stock Buy Below Price and Target Price? I’m asking since I invested on this stock heheh. Thanks for reading 😁

        Reply
        • Hi, although banks are vulnerable during this pandemic, my personal TP for East West Bank is 10.50, BBP is 9.13

          Reply
          • Maam Fehl please let me ask you if this prices you give me will last for how long? It will help me in a big way. Maraming salamat for entertaining me 😄

      • Hi again Maam Fehl. Good day! Matanong ko lang po kung ano po ang BBP at TP ng DITO? Maraming salamat po keep on inspiring!

        Reply
        • Hi 🙂 DITO is overpriced in my opinion. Can’t give a target price for now as I’m waiting a reversal. Alert if it reached its MA100 3.44

          Reply
      • Hi Ma’am Fehl, do you recommend to continue buying stocks or should I withdraw them? My losses are at 43.48% during this COVID 19 crisis. Thank you for the reply

        Reply
        • Hi Cor 🙂 Markets crashed globally due to the corona virus. What you see on your account are un-realized losses, meaning you will lose only if you sell or close them. If you are investing high quality stocks for long term, do not sell on panic. Markets will eventually recover and so will excellent companies. Always remember, don’t trade with your emotion. Stick to your strategy and evaluate your risk tolerance. Cheers!

          Reply
  2. Hi Ms Fehl! Merry Christmas!

    Tanong ko lang po ung view nyo regarding PLDT.

    Is it ok to buy po ba?

    Malaki na po kasi lugi ko dun, iniisip ko kung mag average down pa po ba ko.

    As of Dec. 26:

    Ave price: 1252.9396
    Market price: 999.500

    Thank you po in advance.

    Reply
    • Same situation like urs… Hehehe… But i keep on holding.. I stopped buying muna. Instead, i focused my buying on the big 5 stocks. 😊 better hold na lng muna yan.

      Reply
  3. Hello, Ms. FehI.
    Good morning!

    I have MPI and AC in my portfolio.
    Is it still worth it to keep them? Do you think they can recover soon from the issue on water concession agreements?

    Sell them at a loss, or hold and wait?

    Reply
  4. Hi Ms. Fehl, whreas the MSCI Phil Index consists of only 23 blue chip stocks. Do you happen to know the 23 components? Please share.
    Thanks.

    Reply
  5. Hi Ms. Fehl,

    What is your stand on URC given that the Japs already left the JV and that they take full control on Calbee? Do you still recommend buying this stock or should i start selling my shares? bought mine @178ish. 🙁

    Reply
  6. also I want to buy shares/stocks that is good in long term investment. What is the best you can advise since it’s 2018?

    Reply
  7. Hi, just wanted to ask po which stocks are good for investment long term (5-10 years). Nacurious kasi ako when you said some are only good for trading but not for investing. Di lang dahil blue chip stock sya, like Globe. Appreciate your response po..

    Reply
  8. Good pm! Ok po ba bumili ng tel ngayon? Ang laki po kasi ng binababa nya? Kahapon po nag close at 1251, then ngayon po biglang 1210 n lng. Thanks po,

    Reply
  9. Hi Team, I am new here to start with Share Market. May I know which are the good share for short term or intraday ?

    Reply
  10. As of today, May 16,2018 if the BBP of these companies still applicable, Marami pa ding ok invesan.

    Co — BBP — PRICE TODAY
    AC 908.33 — 990
    ALI 46.61 — 43.30
    AP 41.67 —- 38.40
    BDO 114.20 —- 136.90
    BPI 95 — 99
    ICT 82.08 — 82.95
    JFC 214.16 —- 286.60
    MBT 85.83 — 83.15
    MPI 6.83 —- 5.29
    SM 782.50 —- 923
    SMPH 40 —- 38.15
    TEL 1,520 —– 1,395
    URC 124. — 141

    Reply
  11. hi miss fehl! just a question po. globe is experiencing downward trend. is it wise to purchase globe stocks while its down considering a chunk of their expenses is for expansion and improvement?

    Reply
    • If you’re trading, yes but NOT if you’re investing. Tech companies like Globe will always have higher risk coz technology evolves faster, very unpredictable and competition is high

      Reply
  12. Hi.

    I would like to confirm that Blue Chip Chart is still updated? I just opened my account with COL but hesitant to buy anything since I wanted to buy JFC stocks but the current price both buying and selling is way above the BBP and and TP recommendations.

    Thanks!

    Reply
  13. Hello! I’d like to ask your opinion about “sell in May and go away”. Im planning to open an account in COL Financial and would probably buy stocks mid April to early May. Would you advice to not buy stocks yet? Ive read some posts saying theyre currently still at a loss becausw of buyig stocks during May.

    Reply
      • Hi Mam Fehl, would SMPH be a sound investment for cost averaging, or should i wait for it to go lower. thanks for your time mam fehl.

        Reply
        • With Peso Cost averaging, you buy each month and let it average out on its own. If the price goes down, you can get more shares, if the price goes up, then your portfolio value goes up. Either way, in the long term you win.

          Reply
  14. Hi to all. need opinion: am i to sell my EW? it has grown +72.56% from 3 years ago. this year, it is not listed in ‘blue chips’. TP is 36, market price now is 30.10. should i continue to keep it?

    Reply
        • Actually I forgot to sell by EW… then stocks were down last 2 weeks ago… EW almost negative. but to my surprise, EW just went up right now and I received a “Notice of Stock Divident”… surprised EW gave dividend to 50% of my stocks. and now just today… +52.92% na ulit sya with my +50% stock dividend. wow.

          Reply
    • I don’t recommend day trading because it involves a lot of technical stuff and time. I’m always into passive investing coz it involves less effort and time. I want to spend more of my time to my family, passion and other stuff 🙂

      Reply
  15. Hi Miss Fehl!

    Iaupdate nyo po ba itong list? Im a newbie sa Ph Stock Market and I’m really learning a lot sa mga article nyo, so bago pa ko kumita ng malaki magpapasalamat na po ako agad sa inyo! God bless!

    Reply
      • tanong lang po, yun po bang buy below price ay yung price ng isang unit? medyo nalilito po kasi ako kung anong titingnan na price or kung alin sa mga column na yun ang price. thanks po sa sasagot.

        Reply
  16. Hi Ms Fehl,

    I have idea na when it comes to investing in the stock market since I joined Truly Rich Club last 2015 (and stopped my subscription after 6mos.) I already gained and lost in the stock market. The thing is recently I wasn’t able to monitor my portfolio and lost my stocks in PLDT (bought it for P2,136 and now it’s only P1,480.00) More than 30% loss wheww. Same thing with Double Dragon and MAX’s with 29% and 18% losses. I prefer to be a long term investor, but I just can’t apply peso cost averaging now, because my gut feel says no. But I can’t sell them either… Any advise and strategy would be greatly appreciated. And I now vow to monitor my portfolio everyday. Thank God I found your site.

    Reply
  17. Hello, Ms. Fehl,
    Just want to ask.. According to the record, when is the best quarter of the year to invest lump sum in the stock market? Thanks in advance and God bless. 🙂

    Reply
  18. Gud day Ms. Fehl

    Just want to ask.. Okie po ba na pang long term ang MPI?

    looking po kasi for mura lng but good stocks so I can able to buy monthly.

    Many thanks & God Bless

    Reply
  19. Hi Ms. Fehl,

    Meralco is not part of your list, do you think it is good to hold some shares given it’s historical dividend payout? Thank you

    Reply
  20. Hi Fehl,
    I have 50k in my bank, and its really hard time to increase overtime…
    And if im going to take risk to convert to stocks targeting for 6 months term, Do you have at least 1 stocks to recommend?

    Hope to hear you soon.
    Thanks

    Reply
  21. Hi Ms. Fehl, do you still recommend buying URC with their continuing disappointing performance? Bought my shares at 175ish…:( Im confuse whether to sell my stocks or to buy some more…please help.

    Reply
    • Yes, I still recommend it. Last time I checked, it’s still among our B5 here 🙂 Diversify to other blue chip stocks not just URC. I’m still holding my shares even though I have loss for URC but I don’t care. Tomorrow is another day 🙂 God bless!

      Reply
  22. Ma’m good day po ano po ibig sabihin nito i recently put my edc to tender offer. Then i received this message. SCALED BACK SHARES AS A RESULT OF TENDER OFFER

    Reply
  23. Hi Fehl,

    JFC now is higher than the target price at 245. But I bought it higher than the BBP. Currently, I have 17.54% gains. Should I sell already or wait it out?

    Thanks.

    Reply
    • Have these first:

      basic knowledge about investing
      know your risk tolerance
      know your goal (plan, objective)
      decide about your strategy

      Check out our guides here to learn all those things. Then you’re good to invest:)

      Reply
  24. Hi Ms. Fehl, i read your blog.. but still not into trading. But i might soon. thinking to join the COL, but i just want to know lang po.. how much they charge you per trade? Meron po bang minimum or maximum shares when you buy a certain stocks? And lastly po, if I join, do i have a free will na pumili ng stocks na gusto kung bilhin? Salamat ng marami.

    Reply
    • Currently COL charges ‘around’ 0.3% of the transaction when buying stocks. As for selling, it’s ‘around’ 0.8%. But take note that minimum commission is P20 (that’s why I put around in quotations). So far my highest transaction fee is P33 for over P11k trade. Unless you trade a lot and big, then charges will pile up.

      COL will automatically calculate the gain/loss when you sell your stocks with buying and selling fees already being considered.

      Reply
  25. hi po ms fehl.

    ok po kya yung mga stock na binili ko sa MBT, JFC, MPI, ICT, CHP at CEB?Im into long term investment and im still planning ti buy EDC, FGen or
    RLC, ok po ba yun e dagdag sa portfolio ko?

    Reply
  26. Hi Fehl 🙂 Newbie here 🙂 I want blue chip stocks only for both flipping and long term. I bought MPI and ALI which are both in the list of undervalued stocks. When the time comes that the stocks hit its TP, would it be fine to sell 50% of my stocks for flipping then continue to hold the other 50% for long term? Then continously buy every month? What do you think? Thanks 🙂

    Reply
  27. Hi good day,

    I am thinking if I could do multiple times to buy and sell stocks in a day for how much is the minimum amount allowable from the best broker in the nation with their fast, accurate and reliable platforms? Because I cannot find any day trading rules and regulation online just their brand name.

    Please help me.
    Thank you.

    Reply
  28. hi fhel, can u suggest stocks that are great for flipping? may pang longterm na po kasi ako using pca..thanks po

    Reply
  29. Hi Fehl good day sau ask ko lng ilang share of stock b mabibili ng 5k kng puro blue chips ang target ko.

    sana mag reply po kau, kasi us of now this is always question in my mind, newbies po ako. thank you,

    chris-kuwait

    Reply
  30. Hi Fehl! I’m a newbie investor and just waiting for my trade account in BPI to be approved. So I’m doing some research now. Any recommendations on what stocks should I purchase first? I’m planning to use the flipping strategy. How about if I use long term strategy? Thanks! Your reply will be much appreciated 🙂

    Reply
    • Hi, Z! I suggest you prioritize your long term stocks first then if you have any more budget or opportunity, add a stock to flip. Cheers and happy investing!

      Reply
  31. Hi Fehl, gusto ko po mag invest sa MPI at BDO or JFC. kaso po hindi ko po alam kung paano magsimula. Ma’am gustong- gusto ko po talaga kasi nalilito po ako at hindi ko po alam kung saan lalapit. please give me some advice and pointers please..

    Reply
    • Start opening an account, Elizardo. You need a trading platform to buy a stock. If you have a BDO account, you may open Nomura. You can also search BPI & Metrobank’s platform.

      Before buying those stocks, you need to consider the timing. I suggest to allocate your money to MPI, instead of BDO & JFC. Wait for the downfall of those blue-chips.

      Reply
  32. Hi me and my husband want to invest in infra like MPI. Mam do you think it’s a good choice for long term? I saw you mention ALI and BDO is best for 5 years and up but how about MPI and EDC. Thanks in advance

    Reply
  33. Hi ms fhel im newbie and nag open po aq sa philequity kamakaylan lang…and na approve na ang application ko…ngaun naman ay mag oopen din po aq ng COL account for individual and for my two kids in ITF…ok lang po ba yun???

    Reply
  34. Hi Miss Fehl,

    Since BPI is facing now some serious problem due to system glitch in some of their costumer’s bank account does that mean that it will affect its price in stock market? right now it is up by 1.23%.

    Thank you

    Reply
    • I think it won’t affect a significant decline. BPI is still an established bank with smart management. Every company meets unexpected challenge once in a while. The system glitch will be a lesson learned. I’m sure BPI is into executing bigger solutions to avoid another one from happening again.

      Reply
  35. Hi Fehl, newbie here. Just a question, how about po yung AGI (Alliance Global Group) na stock? Any comments po or inputs will be appreciated. Salamat!

    Reply
    • Hi, Je. Nasa list of PSEI stocks sya as of now. We did not include it on the Best Blue Chips list as we filtered the best ones as mentioned in the article above. Cheers!

      Reply
  36. Hi Ms Fehl. Newbie ako. Ask ko lang if updated ba mga figures above BBP & TP ng lahat ng stocks? Everyday ba updating mo? Thanks!

    Reply
  37. I’m not sure if the BBP and TP for JFC is updated? It has already been 3 years since they hit 173. Also, 208 as TP is a bit too low given that the price range per stock recently has been playing around 200-250. Waiting for it to go down to 173 with only 208 as TP might not be reasonable anymore. What do you think?

    Reply
  38. Hi Ms. Fehl,

    I am always visiting your site and I am so thankful that you are providing us helpful information with regards to investing. I’ve noticed that EDC has been removed from the list of Blue Chips Stock with great fundamentals. I really appreciate sharing your thoughts on this…thanks in advance.

    Reply
    • Hi Cyril 🙂 How are ya? Thanks for visiting. EDC is still here (list of best blue chip stocks) as of May 22, 2017.

      Reply
  39. Hello Ms . Fehl,

    I planning to invest in stocks, where should I invest first ? in Blue chips the top 5 ? or in Mutual fund ? Which one ?
    Im plan is to PCA and hold it for 5 years .

    Reply
    • Assuming you have no stocks and Mutual Fund yet, I recommend starting with an Equity Fund on Mutual Fund. Just a reminder though that equity funds are the riskiest funds on Mutual Funds.

      Reply
      • what equity fund or mutual funds are you referring to? I am newbie and i would appreciate your guidance. Is this an equity fund listed in stock market or equity fund companies with monthly premiums like Axa,sunlife etc? thank you in advance.

        Reply
  40. Hi Ms. Fehl,

    Good day!

    I am new in stock investing and I am very thankful that I found your website. It is very useful and good way to guide newbies like me. I would like to ask if it is good to have EDC as long term investment say at least 5 years? Thank you very much!

    Reply
          • Hi Ms Fehl! I’m just a newbie in stocks. I bought 30 shares of BDO today for P118.9. It was executed at that price. I am just confused as to why my average price is 119.6647 when I bought it in one order (day order). This is the first time I invested in BDO. Please take time to answer my question. More power to your blog. It helps a lot of people like me.

          • you add the commission and all other fees to the total purchase price then divide the amount by the number of shares that you bought… in your case : ( 30*118.9+total fees)/30… that’s your average price

  41. Hi po, mam/sir ask ko lang po pano po ba mag invest? Kahit po 3k monthly baka sakaling dito ako umunlad kahit papano. Pano po ba ang start dito at ano ano po ang mga kailangan docs at requirement?

    Salamat po

    Reply
    • Hi, blue chip stocks are suitable for PCA method. You invest no matter what the price is (above or below BBP). The BBP is just a guide to show you, you will generate more income if you buy below that point. In the list of stocks above, they are blue chip companies and we recommend investing them for long term following PCA method

      Reply
  42. Hi Mam,
    Recently parang maganda po ang SMC?
    Anu pong tingin nyo?
    And ung jfc po 170 ung bbp, dapat po bang hintayin na maghit ito s 170 kung pang long term ang goal?
    Salamat po.

    Reply
  43. Hi! newbie lang ako for stock investing. Ask ko lang nag karoon ng changes sa boardlot ng ABS. anong mangyayari sa stock ko 80 pa pang binili ko na share now ang boardlot na nya is 100? mabebenta ko pa ba sya?

    Reply
  44. Hi M’ Fehl, Good day. Bumababa po ang JFC nowadays. Continues ko lang poba ang buying monthly, i’m doing PCA method po. Salamat po sa advice. – Jon

    Reply
  45. Hi Ms. Fehl,

    Good Afternoon po diyan.

    Newbie po ako sa investing at mgstart palang mag peso cost averaging. Actually approved na lahat ng application ko. Bale ang target ko po is 5, 000 monthly and invest ko for long term. Hingi po sana ako ng advise kung ibibili ko ba sa isang company lang yung 5,000 pesos or idivide into 2.

    Anu pong advise niyong specific company para sa long term investment.

    Maraming Salamat.

    Reply
    • Since beginner ka, I recommend staring with Mutual Funds. If you are aggressive and you can take risks, planning for long term, applicable sayo ay Equity Funds. Check out our review sa Mutual Funds on our Menu above.

      Reply
  46. Hi Fehl, I’m curious as to why Meralco isn’t included in the Blue Chip list? I may have missed it in previous posts since I’m just starting out. I was keen on adding it to my humble porfolio (right now I only have 3 – oil company, power company and real estate). Also I recently participated as a small investor in Shell’s IPO (my first stocks!) but I’ve also been eyeballing Petron because the price is pretty good. Would greatly appreciate your inputs on Petron and Meralco. My goal is long term/ passive investor for now. Thanks 🙂

    Reply
    • Hi Jane. As I mentioned, we have filtered carefully the best we can recommend from the top 30 companies. MER is still a good company but I believe due its seasonal movement, it can’t be on our priority from these blue chip list. MER is one of the most rewarding in terms of dividends though.

      Reply
  47. Hi Ms. Fehl,

    Whats happening with MBT’s performance? sumasakit na sa mata ko ang loss from MBT…should i sell my stocks or its better to buy more of this stock? makakarecover pa ba ito? bought mine at 97/share and today its only 77/share. 🙁

    HELP!!!

    Reply
    • Paper loss lang yan kumbaga unrealized loss pa lang. Pag binenta mo yan lugi ka kasi naging pera na yung stocks mo. Antayin mo lang yan lahat naman ng banks kasabay paglago nyan ng psei market.

      Reply
  48. Hi Fehl,

    I am considering whether invest through COL or First Metro? Do you know which one is better to help me as first time investor?

    Reply
  49. Hi Guys, Ms Fhel,

    I’ve read about the BDO Rights Offering (Issue) is this a good or a bad news? we can make advantage of this because the market value will surely go down but it also means that BDO is struggling or it’s just another tactics or something?

    Reply
    • The rights offering doesn’t mean BDO is struggling. I think it would benefit BDO and its vision to continually be the number 1 bank in the country. The rights offering is to raise equity and proceeds to expand strong loan growth to clients, thus more income. We must expect share price will go down a little to adjust after the rights offering.

      Reply
  50. Hello,
    What are the things I should consider when buying a stocks?
    I want a long-term investment but I also want a short-term at the same time.

    I need some tips, details and explanations regarding on it. A really big help!

    Thank you in advance!
    (HOPING FOR SOMEONE TO NOTICE )

    Reply
    • Only invest 20% of you money because stocks are very risky so make sure you only spend money you are comfortable to lose.

      Get to know your risk appetite – are you conservative or aggressive or in between

      Invest your time – if you have a long term plan, follow it and use PCA approach in investing blue chip stocks

      If you like short term, go for money market funds (from Mutual Funds or UITF)

      Reply
      • Hi Ms. Fehl! Salamat sa dailypik. My concern lang po ako. if 20% po ilalagay natin sa stocks. Ano po pwede nyong maisuggest na panglagyan dun sa remaining 80%.

        Reply
        • Try mo ikalat sa iba ung remaining 80% mas maganda pa rin kung di ka mag stay sa one company.. sabi nga nila don’t put your egg in one basket.. malaglag man ung isa di damay lahat ng pera mo..

          Reply
        • 20% means, 20% ng income mo should go to stock market. The rest of the 80% of course sa daily/monthly expenses mo di ba? Like bills, rent( if you are renting), food, clothing, etc.

          Reply
  51. Hello Ms. Fehl. Newbie lang po ako sa stock market. nagstart ako nung Aug. 18. Ito po ung mga company na binili CEB, MEG, MBT at MPI (5k each). Ok po ba ung mga nabili ko for long term investment? (5 to 10years). Thank you in advance. God bless.

    Reply
    • i guess not MEG atm. they have a project here in Cebu, billions, the Mactan Newtown [http://themactannewtown.com.ph/] , that is not selling (or pre-selling) even 10% of finished product. the project will be a sitting duck until the new Mactan-Cebu airport finishes in 2018 (well i hope so). point is, i do not like their “approach” on development outside metro Manila. so, not MEG for the moment.

      Reply
  52. Hi Ms. Fehl,

    Is it still good to buy PLDT now at around 1800? Are there any latest news/developments affecting telecommunication? why is the price dropping?

    Reply
  53. Hi Ms. Fehl,

    Thank you for the informative piece. Newbie here, just want to check if its reasonable to buy CEMEX (CHP). I heard that infrastructure will be booming. Your thoughts please?
    Otherwise any suggestions on what to buy? Thanks a lot!

    Reply
  54. Hi Fehl,
    Your site has been really helpful however I found out about it after I made my stock purchases including TEL. I bought it at almost TP so now I am -30.14% below. And it keeps getting lower. Should I let it go or should I wait on it? Thank you and more blessings to you!

    Reply
  55. Greetings!

    Hi maam Fehl, I bought 3 stocks, MPI, MEG & EDC. May I ask your insights with these? I’m planning for long term investment. Thanks and God bless.

    Reply
      • Hello po, bakit ho na wala sa list nyo and meg. Is it fundamentals or technical dahil hinde sya naka reach ng 5 nung last week up trend nya?

        Reply
        • MEG is currently under our Fantastic 5 stocks but not among the Blue Chips. We don’t see significant reasons to include it on the list above yet

          Reply
  56. Hi All,

    First timer po ako sa stock market, ano po magandang blue chip for me? Long term po ang goal ko. I’m not a trader.

    Thank you!

    My initial money on stocks is 5000 php.

    Reply
  57. Dear Ma’am Fehl,

    Good day!

    Hi ma’am Fehl, I just started joined the Stock Market ask ko lang anong magandang pang Long Term na Investment, I have now ALI, SMPH, BDO or this 3 companies are Long Term,
    and CEB do you have idea what is the BBP (buy below price) and the TP (target price) to sell.

    And also ma’am Fehl, I plan to buy JFC it is ok, and what is the BBP (buy below price) and the TP (target price) to sell.

    Thanks ahead

    one friend,

    jackydgreat

    Reply
    • The list of stocks above are good to invest for long term using PCA method. If you want to flip CEB, you must follow our flipping strategy. CEB is listed among our Magic 10 stocks as of now. Check out Magic 10 stocks page at the menu to learn more about its BBP and TP. Cheers!

      Reply
  58. What do you think of MRSGI. i bought it 3.99 at IPO t 3000 shares.. nows it has around 20% at 4.7 something. its not on the list so just wanted to ask and probabl opportunity to add this somewhere. Thanks!

    Reply
  59. cheers I’ve gain both 400% at DD and yehey. I posted my info here last 2015. Those who bought last year its good for us. We Celebrate for the big profit…

    Reply
    • I’m also eyeing EDC. This is similar with FGEN, they both use renewable power plants (clean power generation). But I’m still checking this stock, and btw FGEN and EDC are under GLopez. 🙂

      Any thoughts Ms. Fehl? Thanks.

      Reply
  60. Good day! Im a newbie in investments and stocks.

    Say, I have about 100k to start with and that im willing to forget for a long long time, what is the best step i should take or more like the best companies to invest with

    thanks

    Reply
  61. Hi Ms. Fehl,

    Do you recommend MPI, JFC, ALI and SMPH for Long-term investment or PCA?

    and MEG, FGEN for Long-Term Trading ?

    or please recommend stocks for beginners?

    Thanks!

    Reply
  62. This is very informative. And thank you! I am retired Fil-Am and also a long term individual investor back in the States. I just need some information where i can have a short orientation or seminar in the Philippines re stocks trading. Thank you and more power everyone.

    Reply
    • I think puwede po kayo umattend ng seminar ng PSEAcademy every second and last tuesday of the month sa PSE mismo. Or wait for they StockMarket101 webinars posted on their website.

      Nagcoconduct din ng Seminars ang Regina, BPI, COL at TRC.

      Reply
  63. Good day. I really find your site helpfuI and informative. I noticed that Tel has a BBC level at 1400 and a target price of 1750. However, current price now is 2000. Are you recommending not buying tel anymore? Looking at the graph, tel price is very low even at 2000. Why is the BBC too low?

    Reply
    • If you’re only flipping TEL, you must follow the BBP, so I don’t recommend it now. But if you’re into long term and PCA method, it’s good to follow your periodic investment

      Reply
  64. Hello Ma’am,

    First time investor here po. I would like to know how to start investing sa stocks. Which company po na the best example: TDAmertrade etc. and how much po. Thank you very much.

    Reply
  65. Ganon pa din po ba BBP ng mga blue chips nyo, or i update nyo base from the latest price, parang ang layo na po kasi nung iba

    Reply
  66. hi maam. 🙂

    ang saya talagang mag basa ng mga questions nila. at lalong masaya kung sumsagot ka na maam 🙂 nakaka tuwa, very informative.. nakaka lungkot lang na maraming gusto mag invest sa blue chip company pero they dont really understand that they need to invest their money for a long term for them to be able to have a huge ROI. akala kasi ng iba porke nag invest ka nga 5k a month using peso cost averaging ay gusto agad doble agad ang kikitain.hehe!

    thank you maam and please continue helping pilipino people lalo ang mga OFW na mamulat sa investment. wala ako sa Finacial institutions kung wala ka at wala ang mga magagadang aral na alay mo para mamulat ako sa mundo ng investment. MABUHAY KA!

    Reply
  67. Thank you so much for all your info. I would like to ask your advice pls. Is it ok to open accounts in COL and BPITrade at the same time? or is it better to maintain 0nly one account? Thanks in advance

    Reply
  68. Hi MiSS fEHL.

    I really need your help po. I wanted to join long term investment but just to clarify, say for example the ALI will raise to 50.00 in the next 3-5 years example lang po ha, will I pay p5000 monthly po? kasi average ko makakaya is 3k-4k but looking at ALI it is really increasing so baka hindi ko na macover yung minimum 100 shares baka hindi na ako maka pag invest . can you confirm po? and 2nd question po can you pls clarify atleast 5 companies thats good for long term? I have seen BPI, BDO, FGEN and ALI, but I want to clarify coming from the expert po kasi 🙂 Thanks po, please reply , I’m sorry if my questions might be too stupid but I’m just so new at this, normally po kasi nag s-save lang ako sa alkansya 🙂

    Reply
    • Hi Chant. You can stop if you can’t afford it anymore. It is your money and it is your investment. Pero syempre the more you invest, the more earning potential. We have already selected the stocks great for long term. They are listed above. Cheers!

      Reply
  69. Hi Miss Fehl,

    I am an avid reader, ask ko lang po if how can you determine the companies that give dividends? I just have my bpi trade approved last friday and i am about to fund it on wednesday, can you suggest how much initial deposit should i make to fund my account and any suggestions on stocks that i can buy.
    my plan is 1 or 2 stock for PCA and 2-3 stocks for flipping.

    Reply
    • It’s because blue chip stocks are not always undervalued so we only recommend some for flipping at the right time. Nevertheless, you can invest with them anytime for long term following PCA

      Reply
  70. If you are talking about AGI International USA based financial insurance company, I would not, if it is not in an Index fund, meaning like fortune 500 S&P bla bla

    AGI is a hot fast moving company and has many subsidies, so if this is on of less than 20 different stocks you own, stay way they are super crazy and volatile and almost went broke in 2008 but USA bailed them out

    As Part of a portfolio, maybe but you need 20 or more to protect your ups and down, if it is less than 20, stay away but it is up to miss Fehl

    Reply
    • No sir. I meant Alliance Global ni Mr. Andrew Tan… I think its undervalued pero halos walang nagddiscuss ng stock na to sa mga blogs and forums… am I missing something Sir?

      Reply
  71. Hi. I’m new in investing stocks. How do you see DD? I can see that it’s price rapidly increased as compared to other established developers like AC, DMC, FLI etc.

    Reply
    • Hi, the Target Price is usually the Fair Value of the stocks and the Buy Below Price is derived from our chosen margin to our expected revenue

      Reply
  72. Hi Ms Fehl, on the BBP chart, do we have to wait until it goes down on that price? or atleast near on that price? The difference with proposed BBP difference is way too high at the current price.

    Reply
    • If you are flipping these stocks, it’s recommended to buy following the BBP but if you’re into PCA method, you buy periodically no matter what the price is

      Reply
  73. Hi fhel!
    I almost 2 years investing now in stockmarket , and im doing peso cost averaging just lately i just want to figure out how to compute my average price if i will add on my particular stock, let say example i buy URC at 175 pesos and im going to add now 20k pesos the current price now is around 199 pesos, what would be my average if i add 20k pesos, how i can compute my average price? Looking forward for your replay, GOD BLESS YOU!

    Reply
    • Sum up your total buy amount including charges then divide it by your total number of shares. That would be your average price. You should have history of your stock purchases so that your total buy amount is accurate.

      Reply
  74. I’m a newbie, been reading ur articles n they’re really helpful.
    I’d lyk to get started but i’m a little bobo downloading form fr col.
    Cud i get help fr local.bank so as to get started, newbie din kc ako s computers e.
    Just recieved as a gift lan this experia, n luckily bump into ur world.
    Have a nice day n more power to share.
    Godblez!

    Reply
    • In my experience, I didn’t choose any stock right away because I chose to have many stocks in one fund and that is through Equity Fund. Then after learning how equities work, I started to invest with BDO because it is the number 1 bank here and it pays dividends 4 times a year. Then I added some more stocks like URC, ALI and some from the Magic 10 stocks. You can also read our Stocks Guide here to learn more. You’ll be amazed about the potentials of investing 🙂

      Reply
  75. I’m planning to buy some shares in the Consumers Industry but I’m stuck on choosing JFC or URC. My mind says URC because of EPS and P/E but my heart says JFC >.< .I need your expert advice guys :). Long term investor here btw. Thanks in advance

    Reply
    • They are both great companies to invest with for long term following PCA. You can buy 60:40. 60% on URC and 40% on JFC perhaps?

      Reply
      • Mam Fhel, I don’t think I can buy both of them at the same time because of the board lot 😀 I can only fund my COL Financial account 3000 pesos a month. So I’m choosing between JFC and URC. Which one do you prefer if I want to maximize my income? I’m very confused at the moment.

        Reply
  76. Good day Ms. Fehl. I just want to ask your advice on buying JFC stock. I bought it for 187 last year. It went up to 220 and today its market price is 215. Should I buy now? What is the target buying price? I’m a long-term investor.

    Reply
    • I am not Miss Fehl, and my opinions do not necessarily reflect her information, knowledge, or her employers, and I am solely responsible for this information…Having said that, Miss Fehl, will of course, read what I say here and agree, or disagree, or even agree, and add more to it, so please read and listen to her not me, and follow her advice, since I know nothing about stocks…

      SHORT ANSWER:

      First of all, all stocks go up and down, it is just a matter of which floor you want to get off on, which button you pushed, and did you get off on the wrong floor…I was at the Pearl Manila Hotel many times for many weeks, and I will be damn, even with an elevator attendant, ( YOUR FUND MANAGER) asked you what floor you wanted to go to and she or he pushed the 9th floor, for the main desk…But so many people were getting on and off, when the doors opened you saw your floor and began to get off on the 12th…The attendant Miss Fehl, said, Sir, this is the 12th floor, not the 9th…You get back on the elevator and continue…No matter what anyone says, even yourself, you will forget and get off on the wrong floor, and if the elevator is already going up and you want to go down, you can ride the elevator, up and then down, down, or take the stairs, it is up to you…As I said, stocks always go up

      ANSWER #2: i WOULD HAVE SOLD AT 220, then bought back, at 215, flipping…Now, yes, as soon as you flip the price will go down to 98 a share, but you flipped, it at 220, bought back at 215, so going down, from 215 is much more fun, than from 220, and you made a flip, from 187 to 220…FOLLOW ME? If not ask miss Fehl, to tell you in Tagalog because this reality

      You had the balut, to flip…You flipped above 187, at 220, and hopefully, above your fees and costs, and bought lower than you sold….So, yes, no matter what you do, when you flip, it will be too soon, or too late…This is not about the Three Bears, where Papa sold too soon mamma sold too late and baby Bear sold just righttttttttttt…It is about you learning how to flip and filliping better

      LONG ANSWER 3#

      If you bought, shares in Bong Bong’s auto repair, and he is still in business, and you paid, 187 php, per share, around 10 to 14 months ago, and it went up to 220 and is NOW at 215, I can tell you, it went down some-more since, you posted…RED days January 4th to 6th 2016 and BDO refused to allow us access to the graphs and daily values, because they knew, there was going to be a rise, then red days….I cannot get results since December 30th, and no it is not the holiday..Trading is done, 24/7 and they have a judiciary obligation to allow me to know the result, when the banks are open, so I could buy or sell…They failed

      Nothing is going to go up and stay up, meaning, staying up, high…As Miss Fehl, said, we will see the same, with the gradual growth we saw in 2015, meaning, up 12% down 10% up 45 %, down 30 %…You will need to watch the trends and flip, if you wish to make money, short term…You will ALSO need to try and follow the trend of that stock, from 2 or 3 years ago, and keep in mind, we have 3 to 5 more rate hikes from USA Federal Reserve…If you are thinking, what does American interests rate hikes have to do with me? In the Philippines? The sort answer is: Everything, it is the world currency..

      If you check BDO, they only trade in Php and USD, simple as that, so do the other banks…Also, BPI CITI corp, Citic bank, Union bank, Bof A, and so on, just Google them, and many other banks are all based in America, as well, with many branches…Your UTIF’s, if you dabble in them, are mostly based on the fluctuation of the NYSE global mining, not just pinoy, gold, silver, futures, commodities and so on…Even terrorism and plane crashes

      Yes, but it is too late…..You need to wait until they go back up to 220, I should make you wait, until 250, then flip them hold the money until it goes down low, low, which it will in February…But when you need to check the trends from 3 to 5 years go to see when….

      Questions ask miss Fehl or me, or better yet both

      Reply
      • LOL the elevator attendant was funny. Raine, my answer would depend on why you buy JFC in the first place. What is your plan and strategy for it? Are you flipping it or are you investing it for long term using PCA? If I knew then, I can give you my answers 🙂 Cheers!

        Reply
        • Miss Fehl, GREAT question, as always, I missed it, but @Raine, how many shares did you buy? All at same price? The dates are the same? Is this actually, 12 month holding? Meaning, how long have you had them? But I do sense a new flipper here, so caution, do not flip now, buy yes…We are all upside down now, or in the red

          Reply
  77. Hi ms. Fehl. I already submitted my application to col financial last dec 19 but up to now i haven’t received their confirmation. I e-mailed this morning but still no response yet. What seems to be the problem? Thanks and more power!

    Reply
  78. Hi Ms. Fehl ask ko lang po. Are the listed companies can still change?
    I noticed some already have more than the target price (SM, JFC) tho it is not 2016 yet.
    Do you also had the same article for previous years (2015,1014) maam?
    Do you recommend buying TEL that has the lowest price now?
    Thank you for sharing MS Fehl! 🙂 God bless.

    Reply
    • Hi Kyle. Yes, we may change these companies if we find significant reasons to do so. We always want to recommend the best. Cheers! If you’re looking for some old articles, you can visit philpad.com. For passive long term, yes TEL is good and buying while it’s low will benefit you. God bless!

      Reply
      • Appreciate the feedback Ms. Fehl. 🙂 Does it mean you are not expecting TEL to reach the TP soon? More power and God bless Ms. Fehl! 🙂

        Reply
        • This is only my opinion (of course I don’t have a crystal ball), yes, I think things will move slowly. TEL will face a bigger challenge this year as Telstra launches their service. Let’s see what happens.

          Reply
          • It’s just this month I started investing in stock market. I got half of my fund invested in TEL, the reason why its the company im concern the most. haha got too excited I guess. I will just keep my fingers crossed for next year then. thank you Ms. Fehl! 🙂 God bless!

  79. Hi Ms Fehl,
    Learned a lot from your blog, THANKS. Yesterday I started investing with ALI and MER though COL. Hopefully I made the right choices. I was considering also BPI or SMPH as my next buy. Any advice will be appreciated. Merry Christmas and regards to all

    Reply
    • My pleasure 🙂 BPI and SMPH are both great companies to invest with for long term using PCA method. With flipping, would be great to buy if their prices are below the BBP. Merry Christmas and Happy New Year!

      Reply
      • Thanks again Ms. Fehl. Since I’m just starting, It’ll be for long term. Maybe i”ll try flipping as I learn more along the way in the future. Merry Christmas and Happy New Year

        Reply
        • @john….You will learn how to flip, first thing, because it is THE THING, we have to do too rise up fast…It is NOT the same thing as flipping houses or cars, but it is close…You buy a car or house, with potential, (same as stock) then fix them up, like paint on a house, some tile work, or a car new brakes tires, clean and waxing, then sell them for a profit…With stocks, you replace your materials used on the house and cars, with time in the market, and no labor invested, except you will rise up and down, more down than ups, and you scream…Having said that John, it will inch up, no matter what, or if you bought in at the right time, it might jump up…In ether case, before you sell, make sure the selling price will cover any fees, the average interest rate of a saving account, which is around 2% to 3%, and brokers fees at front and back end…Now, if you forgot about the fees, or if you bought, when low but that low was not the new floor, do we care? Yes, we care, but whatever you lost, is less than a semester in college at the King Kano school of finance…And, trust me, you will do better the next time…Oh remember, when you figure your NET profit, net meaning, everything deducted, before you flip, you need to double your fees spent, because you need to buy the same stock back, or a new dead stock, with a good future….Do your homework, before you make the first purchase, follow trends, which means, the fluctuation of the stocks you like, and graph them, because history does repeat itself it just does, so watch and you will do fine…Good luch

          Reply
  80. Am happy to recieved updates from you again,Fehl…And it’s good to know that you are well and back????…more power and GOD bless!

    Reply
  81. Good day. Please I need some expert advice regarding my plan for long term investment in the stock market. Is it advisable that I focus on 3 stocks in my portfolio? I aim to buy shares quarterly each company listed below.
    1. BDO
    2. SMPH
    3. JFC

    Reply
    • I am not speaking for Miss Fehl, or her employer, and I am certainly not an expert, but, start with these three stocks, and learn how to flip them…But, think of long term investing, in stocks, as baking a cake…You can bake a cake, with self rising dough, or using baking soda, but if you want it to really rise, you need baking powder and yeast…Read directions carefully…Now, without me blabbing on, tell me what I am saying? Start off, with self rising breads, like a zucchini bread, but once you get good at it, go for the yeast, meaning, 3 is not enough for long term growth and what is called, diversification…Spice up your bread with UITF’s, somewhere, or bonds, MMF, whatever…Baking, is not like cooking..Cooking, you can toss in mushrooms, or butter, if you like or like me white wine, but Baking, is a chemistry, of balancing acidic ingredients (stocks) with alkaline ingredient, (bonds or other sources, even savings) to get it to rise (GROWTH) You need what is called, a cash reserve, to be able to buy when low, even when your chosen stocks are on the ups, or downs, and to prevent you from touching your nest egg, in an emergancy…No matter how good or bad your choice is, stocks are all forms of equities which means yahoo, hold on I’m going to puke, from riding the market, roller-coaster…However, the cake, needs many ingredients…I would, when funds allow, chose 3 to 6 more stocks, on her hot list, flip them when they do good, buy more when they do bad, and dump them, when they suck for long time, which is not likely…FLIP HIGH, NOT PERFECTLY HIGH, JUST HIGH, THEN WAIT UNTIL THEY TANK AND BUY LOW…Miss Fehl, what do you think, you are the ate financier here LOL…I think he, or she, is on the right track, but needs to buy more, soon

      Reply
    • Yes, it is, and Miss Fehl, we all need you here…You can do this from bed, like I do, my office, for now, is in my daughters room, on here bed…LOL…Often times, humble people not realize how important and how smart they are, to others…This does not make other stupid, it just makes others different, knowing a lot about something else…I have found, province girls to be the smartest pinays: So location, education, background has little to do with God given brains…We are social beings and what social media has done, is to bring people together, who have both the same qualities and faults, into one room…We all need each other, believe it or not, like it not, I will tell you, I need you guys here and I need Miss Fehl here…I am a very well educated man, strong, aggressive, and dominate, but I have needs also, we all do…Yes, this is a great blog and informative

      Reply
  82. Hi miss fehl,
    Nabili ko po kasi yung tel stocks ko last nov ng 1977 per share,ngayon po umakyat na yung price nito ng 2100. Dapat ko na po bang ibenta ito ngayon para maka secure ng profit since pabagsak ang trend ng stocks tuwing december?

    Reply
    • THIS IS MY OPINION AND NOT THAT OF MISS FEHL OR HER EMPLOYERS…I understand what you mean by, securing a profit, but have you taken into account, the fees you MAY have paid, buying the stocks and the fees you could or WILL pay, upon selling them? (also VAT of at least 12% on the so called profit) This could whittle away at your small profit here..You are correct, December will have dips, but all 12 months do, usually, but so will 2016, off and on, thanks to the political climate, stock manipulations, and the stupid USA FED reserve, but if you can promise yourself, (AND MISS FEHL, I AM SURE) the profit will withstand your purchase price and fees, and the selling fees, I would say JUST FOR FUN SELL, NOT FOR FINANCIAL GAIN, BUT FOR FUN, YES, SELL, BUT….It is the holiday season and everyone will need and want things, including you, so this is why December has dips before the holidays then goes back up…iF YOU DO NOT HAVE SELF DISCIPLINE, I would NOT SELL and ride the roller-coaster, up and down, with a barf bag in hand, until March and flip them, then…If you wish to practice flipping, sure, sell it, if you know the actually NET gain, is above what you paid for it, and……and this is a big and….. you hope the market dips down low enough, and it should, so you can buy your own shares back, and ride up, again…I went over this, many times to make sure my English, is that of the King’s English, so read it carefully and Miss Fehl, her question was mostly in Tagalog, so if you agree with me maybe translate it into Tagalog I not want her to make a mistake

      Reply
  83. Mam Fehl, advisable po ba na for long term investment na bumili ng shares from 5 companies? Target ko po kasi na bilhin ay ALI,BDO,JFC,URC,SMPH tapos quarterly ang pagbili. Tanong ko lang po sana if maganda yung strategy na gagawin ko? Medyo nalilito po kasi ako. I need you expert advise. Thank you so much in advance po 🙂

    Reply
  84. @Miss Fehl Good to see you back, I super missed you and so did everyone here..Yes, dividends are nice…It is like being paid to hold on to your stocks and not flip them, which is the reason for dividends…In the old days, few people flipped..It became known as, “Brown Bagging, or left holding the bag…” You kept your stocks for years, even decades, but, it was good for a slower, more stable market…What sellers of stocks did was, they divided up profits, yes, dividend, or divided, and paid you to not sell, frankly, because if you sold, before the quarter, NOPE, you did not get you share, of the divided, or dividend profits…Now, people flip like crazy, then they will buy back their own stocks, or bonds, or UITF’s, once they hear and see the damage they caused and the smoke cleared…Let’s say FORD was selling for 1500 php a share, but one day, bang, it goes down to 900 php a share..Well, there was no layoffs, no fire, no nothing, so what was it? Either a paper tantrum from something in the news, or a sell off, or both…But you know what? Those morons, will buy back their own shares, at now, below market price, and watch it go up and up, again…Also, in the old days, people loved for the stock to split, or be cut, let’s say in half, so now if you own 12 shares at 500 php of FORD stocks, you now own, 24 shares, are 250 Php..HUH? Got screwed? Maybe, if you sell off too soon, because that stock will go up to 500 php a share, again, in maybe 4 years and now you have 24 shares, at any price..So, in the good old days, buying and selling stocks was fun and you kept it, until you got your bonus check each quarter, called a dividend, and waited for your shares to split, but now, it is every man or woman for his or herself, flipping stocks

    Reply
    • Hi Bill! Thank you for the kind messages. Already made this post before but I realized it was not published yet hehe so here it goes. Feeling better now and I hope I will be back to normal. Thanks and God bless you always. 🙂

      Reply
      • Glad you are feeling better, because this is not fun for me, if I worry about you…I did stop checking the reply links from this blog, after the comment, I got, I felt no one was listening and they have you, which is why they are here and you are more than enough…I will e-mail you more, later, but always remember, Miss Fehl….Everyone here likes you and they need you, even I need you..You know stocks, I don’t and frankly, not care LOL, I love UITF’s, and that is it, and that is because of human default…I know it, therefore I love it, I not like stocks, so I not pursue it, but you know a lot about all of it, and that is what the Philippines needs…NOW TO EVERYONE…Investing, investment, saving, going to college, goes against 150 years of tradition…We all lost our roots…Not just the Filipino…We all forgot how to can foods, naturally, or jar preserves, salt meat, bury food in the snow, now we use freezers, we forgot to educate our children and now we just push them into the streets to work and wonder why we are poor, generation after generation…Many people here are smiling at me now, thinking this kano is nuts and that part is true…All that I said was planning for the future…I tell my wife and she gets so mad, sometimes tampo for a while, because I tell her; “I do not need to teach you how to be a woman, a wife, a mother, you know all of that, already, this is why good men, seek good wives here, but one thing you are not taught is how to plan for the future, and it is NOT my job to teach you how to be wife but how to be a widow…” I even told my banker, at BDO, this, and she agreed, and told Ruth, I was right…Now, as bad as that sounds, what is the point, of going to work? Earn money you think? Successful people…I said, successful people, not day to dayers, go to work for the future income, the next job, to build a resume, get that promotion, or raise in salary, not for today..Do you think, Miss Fehl, does this for big bucks? Wrong…It is for her future…In America we not plan for the top raman for today, we plan for the 50 kilo bag of rice, and brown rice, not white, for next month…Even if it is your favorite auntie, stop listening to them…Respect them, love them, and learn from them, but you need to plan for tomorrow, because they will not be around, tomorrow, but you will be, and this thinking goes against your culture…I am so glad to see so many Filipinas here, chatting with Miss Fehl, and so smart, because I love the Filipina, and yes, I did say smart, because I know for a fact, 80% of the time, you girls already know the answer, you just want that hi, hello, yes, hug and kiss, from Miss Fehl, to give you the confidence you need…WHAT IS WRONG WITH THAT? This is a blog, Google the word blog, so ask her questions no matter how stupid you feel, even if you know the answer, or do what I do…”Hey, Miss Fehl, I think I know the answer, but I wish to run this past you first before I jump into it…” Now, everyone knows, you know the answer, and now, maybe Miss Fehl, can go farther on the subject, and not just say, yes, no wait….Miss Fehl, they might not admit it enough, but they all need you here, glad you are back…Blogging is the best medicine

        Reply

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