How Rowena Doubled Her Money In 2 Years

Why do people love Bo Sanchez?
Because he’s just like you and me. He has a family, a wife and kids. He goes to mass, plays with his kids, and works everyday.

And we love him for his gazillions of inspiring stories. Let me share with your this email I received some time ago, about Rowena’s investing experience a few years ago, when she doubled her money in two years.

Everybody loves an underdog story.

And this is an amazing underdog story.

This is about Rowena, a young woman who works as a video editor in our TV and Radio ministry. Two years ago, I challenged ALL my employees to invest in the Stock Market. Today, 90% of them are now investing-from my managers to vice presidents to messengers and janitors. (Give me 20 years and all my employees will become huge multimillionaires!)

Please read Rowena’s amazing story below…

Two years ago, I started investing P3,000 to P5,000 in the Stock Market. (It becomes P5,000 when my very generous Dad gives me money. Thank you Dad!)

But I was totally ignorant about the Stock Market. So I just followed Brother Bo’s TrulyRichClub’s instructions each month, buying the stocks he recommended through his Stocks Update eReports.

And in two years, from October 2010 to October 2012, my Dad and I put in a total of P102,000 only. But it’s shocking for me to know that my Stock Market investment now stands at P193,325. That’s 89.53% increase in two years. Or an amazing 44.77% a year!

— Rowena Mallari, Video Editor

Perhaps you’re someone who saves your money in big banks. If so, you’re earning LESS than 1% a year. To be exact, about 0.75% MINUS 20% withholding tax! It’s actually lunacy to keep your long-term investments in the bank. Yes, put your short-term money and emergency funds in the bank. But NEVER your long-term investments.

NOTE: Just to tell you how insane 44.77% is, I read the returns of the best and brightest, most sophisticated Mutual Fund Managers of BIG COMPANIES in 2011. The highest achieved was only 8.18% growth; A second mutual fund company got 8.17%; a third mutual fund company got 2.66%; and a fourth mutual fund company got 2.39% for the year. But Rowena Mallari-who doesn’t know anything about the Stock Market except what she got from my Stocks Update eReports-got 44.77% growth. Crazy but true.

Rowena doubled her money in 2 years! Of course nobody can guarantee you can double YOUR money in 2 years, but if you invest consistently, in time you will be a millionaire!

Rowena doubled her money in 2 years! Of course nobody can guarantee you can double YOUR money in 2 years, but if you invest consistently, in time you will be a millionaire!

Do You Want To Be A Multimillionaire?

You’ve Got To Start Today…

Warning: I’m not promising that Rowena will also get 44% next year or the year after. The Stock Market doesn’t work that way. It’s always like a rollercoaster ride. But here’s my point for telling you this underdog story: You can be like Rowena and become a multimillionaire in 20 years.

How? Like Rowena, join the TrulyRichClub and use my Stocks Update eReports that will guide you how to invest in the Stock Market.

To join the TrulyRichClub and start creating your millions, click the link below:

Yes Bo, It’s High Time For Me
To Start Building My Millions Now

May your dreams come true,

Bo Sanchez

PS. Don’t Delay! So many people POSTPONE investing. From experience, people who postpone never do it. But I know that you’re different. Start now. Click the link below…

Yes Bo, It’s High Time For Me To Start Building My Millions Now





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How To Be Truly Rich

How to Earn 46% in a Bank in 18 Months!

Yes, you read the headline correctly. Gildo started investing his money in BPI in July 2011 and grew it by 46% in only 18 months!

This is the first of a series of four short articles, about The Adventures of Gildo, The Driver Who Invests in the Stock Market.

Who is Gildo?***

To be honest with you guys, I do not personally know Gildo. I first heard about Gildo last year when our Truly Rich Club stock market mentor told his story at the Truly Rich Club 2014 Wealth Summit. Gildo is his family’s driver. And Gildo’s story is fascinating. I love telling it to my friends and to my audience when I conduct financial seminars.

The Adventures of Gildo

You have all probably read ( or at least heard of ) Bo Sanchez’ best selling book, “My Maid Invests in the Stock Market ( And why you should too ).” The maid ( I think she was not named in the book ) became famous, because if a maid can successfully invest and grow money in the stock market, then every body can, right?

Well, our stock market mentor thought that if Bo Sanchez’ maid invests in the stock market, why not his family driver? So he suggested stock market investing to Gildo, their family driver. Our mentor told Gildo that if he invests P2,000 per month in the stock market, he will match it with P2,000 per month.

Slow Start

So Gildo placed his first investment in July 2011. He invested his money plus matching share from our mentor, and bought 200 shares of stock of BPI ( Bank of the Philippine Islands ) at P59.20 for P11,840 ( plus nominal fees).

A few months later, our mentor found out that Gildo didn’t make additional investments, so he talked to him. I think the conversation went something like this:

Our mentor: “Why aren’t you making additional investments?”
Gildo: “I am only a driver. I do not understand the stock market. I am afraid to lose money in the stock market.”
Our mentor: “Do you understand that I will match your investment? So your money immediately doubles already when you invest!”
Gildo: “Oo nga, ano?”

Introducing Money Cost Averaging

So Gildo started buying more BPI shares every month starting Oct 2011. He found that BPI shares have actually gone down to P53.50 from his original purchase price of P59.20! So he bought his next 70 shares at P53.50 at a 10% sale price, for P3,745.

Gildo used a simple money cost averaging strategy. He just kept on buying a profitable issue ( BPI ) regularly regardless of the actual price.

Gildo just kept on buying BPI

Gildo bought his next 70 shares at P53.50 at a 10% sale price, for P3,745. He used a simple money cost averaging strategy and . just kept on buying a profitable issue ( BPI ) regularly regardless of the actual price until he accumulated 1,230 shares for P81,234.

By Jan 2, 2013, he had accumulated 1,230 shares for P81,234. This means an average price of P66.04.

The next day, he sold all his 1,230 BPI shares at P96.40 for a total sale prices of P118,572! His profit for buying BPI and eventually selling all the shares was P118,572 – P81,234 = P37,338, or an amazing simple profit of 46% on original investments of P81,234. (If you do the actual math, his effective compounded annual growth rate is more like 57%)

Aren’t we supposed to just keep on buying?

In money cost averaging, aren’t we supposed to just keep on buying and keep the stocks we purchase?

Well, the idea is to keep the money invested, so it is perfectly alright to sell, but keep the money invested in the stock market and move the investment to a different issue.

Gildo sold all his BPI shares for P118,234, then bought 450 shares of MERALCO at P268.20 for P120,690, using the proceeds of the BPI sale!

Gildo earned 46% on his BPI investment!

Gildo bought 1,230 shares of BPI for P81,234, sold then for P118,234 for a 46% profit in 18 months. He then bought 450 shares of MERALCO at P268.20 for P120,690!

Why did Gildo shift his stock market investment to MERALCO?  Abangan ang susunod na kabanata and just wait for the next issue.

Related Post:

Written by Bobet Prudente

***Disclaimer: I just heard the story, so this story as I tell it, might not be entirely accurate. As with most stories being told and re-told, some details get a little mixed up, and more colorful for better story-telling.

BUT I took pictures of the screens of the powerpoint presentation, so let me assure you that the financial and instructional details are correct.

The Truly Rich Club teaches its members Direct Stock Market Investing, Made Easy!
To get a free copy of the book My Maid Invests in the Stock Market just click below:

Download the free eBook 'My Maid Invests in the Stock Market'

To know more about ColFinancial, just click below:


To know more about the TrulyRich Club

“COL Financial was built on the foundation that every Filipino deserves to be Rich.”
– Edward K. Lee
Chairman and Founder, COL Financial





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This Is A Terrible Time For The World’s Economy, But A Terrific Time For Your Personal Economy…

Everything in the Philippine stock market is on sale!

There’s a global economic telenovela, and we’re seeing it unfold right in front of our eyes on TV and in the newspapers. In times like this, those who do not understand will suffer. Those who are financially wise—like TrulyRichClub members—who will become richer because of the crisis.

For those who are new in the world of investing, this advise is invaluable.. Consistent investing with a goal using money cost averaging can slowly and surely build your wealth in the long term, but there are opportunities like what is happening now that can quickly catapult your finances and help you attain your goals much faster.

Everything on sale at the Philippine Stock Market!

Everything on sale at the Philippine Stock Market! PSIX closes at 7279 on August 20, 2015. Chart  ©

You can start your stock market investing journet by getting and reading Bo Sanchez’ free eBook My Maid Invests in the Stock Market or joining the TrulyRichClub.

Here’s the full text of an email from Bo Sanchez I got last July 10.


Stock Alert: Keep Your Cash For Now

I just came from Australia. I preached at the Grand Feasts in Sydney, Melbourne, and Brisbane. Awesome time.

But on the first day I was there, their stock market dove by 2% in the first hour of trading.

These are crazy times.

And it’s during these crazy times that I thank God that you and I are long-term investors. We can sleep amidst the storm.

Friend, there’s a global economic crisis today—and we’re seeing it unfold in front of our eyes. As always, it’s the financially ignorant who will suffer in any crisis. And those who are financially wise—like TrulyRichClub Members—who will become richer because of the crisis.

Why Is This Crisis Happening?

Yesterday, I had lunch with my Mentor in a quiet Makati restaurant, and he gave me his take on what was happening.

First, debt-ridden Greece is deciding whether to leave the European Union—and not fulfill its debts. It’s like Mr. Greece telling his EU creditors, “Sorry guys, I’m bankrupt. I can’t pay you anymore.” If Greece takes this option, they’ll tighten their belts, brace themselves for a crash, and from the ashes rebuild their country again. Without the Euro.

Right now, it’s not a pretty sight in Greece. Banks are closed. The Market the closed. Groceries are empty.

But my Mentor explained to me that the bigger problem is not Greece, but the contagion that can happen in Europe. Because other countries who have similar debt problems—Portugal, Italy, Ireland, and Spain—may also opt out of the Euro. Question: Will the European Union allow that to happen? As I write this, negotiations continue—and the world watches with baited breath.

The second source of the global crisis is China.

In the past 3 weeks, the Chinese stock market has nosedived by an unthinkable 30%. Reason: In an effort to prop up its stock market, they allowed people to borrow heavily to buy stocks on a large scale—which is a clear recipe for disaster. Note that China is the second largest economy in the world, so its crisis is reverberating across the globe.

What Should We Do?

In the face of this scenario, we recommend you keep your cash—your monthly investments

Don’t buy anything yet—until we tell you to do so.

So relax. Sit this out and keep your cash.

We’ll start buying again. Soon.

Isn’t this great personal finance advise?
These periodic letters are just some of the benefits we get by being members of the TrulyRichClub.

A few days ago, he sent us this new advise:



Why don’t you guys give it a try? It is totally risk free, you can join and pay the fees. Download tons of material, including:

  • free eBook “My Maid Invests in the Stock Market
  • free eBook “How to Conquer Your Goliaths
  • free eBook “How to Turn Thoughts into Things
  • initial stock pick recommendations
  • audio of Bo Sanchez’ Truly Rich seminar

And if you are not satisfied, ask for a full refund within 30 days. KEEP WHATEVER YOU DOWNLOADED FOR FREE!

I joined in 2012 and it totally changed my life.

Change your life, too! Join now!




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A Letter from Gina – The Maid Who Invests in the Stock Market

Who is Gina?

Yes, the title of this article is correct. Gina is The Maid Who Invests in the Stock Market, the subject of Bo Sanchez‘ best selling book.

Bo Sanchez wrote the book, because

Gina is a real person, but she is not an ordinary maid. She has been improving herself, graduated at CAP College(distance learning) and now she also does some bookkeeping for Bo Sanchez.

Gina at the Wealth Summit

Gina guested at the first TRC Wealth Summit in 2013

She was a Guest at the first TrulyRichClub Wealth Summit in 2013 and was even featured on ABS-CBN news in January 2015.

Pero pa-travel-travel na rin siya

Gina at the Great Wall

Pa-travel travel na rin siya, kasama nina Bo Sanchez

She started investing P2,000 per month in the Stock Market in February 2010
Today, her stock market portfolio is more than P826,593*

When I was invited to speak in a seminar, I was also asked if I could ask Gina to speak, so I tried to look her up and relayed the request, but she said she is shy, and instead offered to just send a letter.

The letter she wrote is very inspiring, and after reading it during the seminar, I wrote back to her and asked if I could publish her letter.

Here is her inspiring story:

Magandang umaga po sa inyong lahat!

Ako po ay si Gina.
Bunso po ako sa anim na magkakapatid.
Ako po ay taga Negros Oriental, Visayas.

Mahirap lang po ang aming pamilya.

Pagkatapos po ng high school, naisip ko pong mamasukan bilang kasambahay dito sa Manila at sa awa po ng Diyos, ako po ay napunta sa bahay ni Kuya Bo (Sanchez) noong 2003.

Tinanong po nila ako na kung gusto ko ba daw mag-aral ng College at nag-oo po ako kaagad since yun po ang pangarap ko.

Ako po ay pina-aral nila sa CAP College (Distance Learning).
Sa bahay po ako nag-aaral dala po ang mga modules ko at pupunta po sa school tuwing exams at kung may event.

Sila po ang nagbabayad ng tuitions ko at sinasahuran pa rin po ako kada buwan.
Sa hirap po ng buhay sa amin sa probinsiya, lagi po akong nag-aadvance ng sahod sa kanila para pampadala po sa amin. Nakakahiya po since sila na po nagpa-aral sa akin, may sahod pa po ako, nanghihiram pa rin po ako sa kanila.

Nakatapos po ako ng college noong 2009.

Ganun pa rin po ako sa kanila, nanghihiram pa rin po ng pera para sa pamilya ko sa probinsiya.
Wala pong natitira kada sahod.
Wala pong ipon.
Hindi ko po naisip ang pag-iipon.
Ang inisip ko lang po dati ay makapagpadala tuwing sahod.

Siguro po napansin nila Boss na laging ganun lang po ang routine ko pag may pera.
Kaya po noong February of 2010, kinausap po kaming lahat na empleyado dito sa bahay ni Kuya Bo kung papaano po kami makapag-ipon.
Kasi kung babasehan lang po namin yung same routine kada buwan, wala po kaming natitira para sa aming sarili.

Kinausap po kami about sa stock market.
Sa katayuan po namin, wala po kaming alam kung ano po ang stock market.
Basta ang gusto lang po namin ay makapag-ipon habang may tarbaho pa po kami.

So, end of February of 2010, pina-open po kami ng account sa Col Financial.
As first timer po, tuwang-tuwa po kami pag pinapakita sa amin ni Boss ang stocks namin sa COL.
Kaya na-eencourage po kami na magdedeposit tuwing may sahod.
Sa awa po ng Diyos, hanggang ngayon kami po ay nag-iinvest sa stock market at kumikita po ang pera namin.

Ang lagi pong sinasabi sa amin ni Kuya Bo, na kahit gaano kaliit ang sahod ng isang tao basta may disiplina sa paghawak ng pera at hindi maluho sa buhay, makakapag-ipon din.
Kung malaki naman daw po ang sahod tapos wala naman pong disiplina sa pera at maluho sa buhay, mahirap din pong makapag-ipon.

Maliit man or malaki daw po ang sahod basta marunong imanage ang pera, lahat po tayo ay may chance na makapag-ipon para sa pagdating po ng panahon, may makukuha po tayo.

Wala po iyan sa posisyon sa tarbaho, nasa atin po iyan kung determinado po ba tayong makapag-ipon at may makukuha pag tayo ay matanda na.

Ngayon, meron na po akong P800,000+ ** sa Stock Market.

The Maid Who Invests in the Stock Market

Meet Gina – The Maid Who Invests in the Stock Market. Get a free copy of the book at the TrulyRichClub site

Nagawa po namin bilang kasambay at driver ni Kuya Bo.
Sana kayo din po ay mabigyan ng chance na magawa din po ang nagawa namin.

Maraming salamat po sa inyong lahat.

Gina in Disneyland

Gina in Disneyland


We hope this letter from Gina will inspire everybody to start saving and investing. If you want to get a copy of the book go to the TrulyRichClub site
Create Wealth for your Old Age!

Do you want to create wealth in your old age? Let Bo Sanchez teach you how to invest in the stock market. It does not matter how much you make, you don’t have to grow old and poor. You can grow old and rich. It’s really very simple.

To watch this 11-minute video, click here

** According to Bo Sanchez last April 2015. He adds that his other maid has P650,220


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Create Wealth for your Old Age!

(A Letter by Bo Sanchez to members of the TrulyRichClub)

Today, I’d like to talk about Income vs. Wealth.

But before that, let me answer this question: Why talk about money?

Because we want every area of our life-even our finances-to be placed under the Lordship of Jesus. We don’t want money to be our master. We want to be the master of our money-and turn it over to God’s purpose.

There are some Christians who don’t want to talk about money, so they run away from it. But when they do, their master becomes the lack of money.

That’s not want we want. We want to learn how money works so that we can use more of it to serve God.

Let me start talking about a special ministry that’s very close to my heart because I started it many years ago: Anawim.

If It Happened To Them, It Can Happen To You Too

Anawim is our home for the abandoned elderly-poor, old people we pick up from the streets. Throughout the years, hundreds of old people have been housed and fed and loved in our special home. After a few years of staying with us, they go home to God. Anawim is like a special departure airport to Heaven. Without Anawim, they would be dying in the streets.

But here’s a surprising fact: They weren’t always poor.

At one point in their lives, all of them were earning good money. If you talk to them, you discover that some Lolas and Lolos were Government Employees. Some were Teachers. One was the Principal of a school. One was a Dentist. Yes, some were maids and laundry women. So you might say they were always poor. But I refuse to accept that. Because for more than 30 to 40 years, they were sending money each month to their nephews and nieces back home. (Nephews and nieces who abandoned them in their old age!)

But one day, they found themselves wandering in the streets without clothes, food, or shelter.

Here’s my point: Are you earning today? Then what happened to them can happen to you. Unless you decide to build your wealth for your old age.

Let me teach how the 3 important steps to build your wealth for your old age…

The Only Way To Build Wealth Over Time

People tell me, “Bo, Anawim is so beautiful. Please reserve a spot for me there.”

I answer, “I don’t want you to be our burden. I want you to be our blessing. I don’t want you to dwell in Anawim. I want you to donate to Anawim. In your old age, I want you to write checks to me-because you have surplus. To do that, there are three important things that you need to do to build your wealth for your old age.

  1. Receive (Regular Income)
  2. Retain (Simple Lifestyle)
  3. Reproduce (Financial Literacy)”

1. Receive (Regular Income)

If you want to become rich in your old age, the first requirement is to receive a regular income today.

Here’s the shocker: To build wealth in your old age, you don’t need super income, you just need steady income.

A lot of people think that income and wealth are the same. They’re not. A big income doesn’t equal big wealth.

Let me tell you about Jack (not his real name). When I met him, he was President of a huge company and earning much more than P500,000 a month.

His income was big. But so was his lifestyle. Jack drove luxury cars and travelled around the world. Always first-class. He had a mansion in a plush subdivision. Everyone around him knew he was wealthy. But they were wrong.

Because throughout his working life, the most he saved was one million pesos. (That may be big for you and me, but to him, one million will last two months.) Why didn’t he save? Because he was banking on his fat retirement pay. Reason: He worked in that company for 20 years.

True enough, when he retired, Jack received P10 Million.

But he never changed his lifestyle. After only 2 to 3 years, he woke up one day with all his money gone. Soon, he sold his cars. Soon, he was asking money from his children.

What happened?

He did Step 1. He received an income.

But he never did Step 2 or 3.

Start Building Your Retirement Fund Now!

You’ve got to start building your retirement fund now. Not tomorrow, not next week, not next year, BUT NOW! – Bo Sanchez

2. Retain (Simple Lifestyle)

People say money can’t buy you happiness. I agree.

But face it, happiness requires a minimum level of money. I don’t live in Lala-land. We’re human beings with physical bodies that need stuff to survive and be happy.

But the other side of the coin must be pointed out as well. After we reach our “Happiness Point”, more stuff won’t make us happier.

When it comes to possessions, I’ve reached my “happiness point” a long time ago. Any more possessions won’t make me happier. In fact, I believe the opposite happens: After reaching my happiness point, more possessions will lessen my happiness. (See graph below.)

Where Is Your Happiness Point?

Why does this happen? Because more possessions will mean more clutter, more stress, more worry, more envy, more costs, more taxes, more insurance…

Jack, the former company President, spent all his income. Like many people, he was enslaved by the hypnosis of materialism.

To avoid the hypnosis of materialism, don’t swallow the world’s definition of “Rich.” You need to define what it means to live a “Rich” life.

Let me give you an example…

Are You Sure You Want A Mansion?

Everyone thinks that to be rich means you own a mansion.

Here’s my guess: For most of you, owning a mansion will make you less happy, not more.

I believe owning a bigger house will give you bigger headaches. Bigger maintenance. Even bigger homeowners association dues.

My friend stays in a plush home. I was shocked to learn how much his homeowners’ association dues are: Each month, he pays P24,000.

I live in a small, quiet, third-class subdivision where neighbors are friendly and shirtless kids play on the streets. Where 90% of my neighbors drive secondhand cars. My homeowners’ association dues? (Drumroll please…) P120 a month.

Let’s do the math: If my friend lived in my subdivision, he would save P23,880 each month. If he invested (not traded!) that amount in the Stock Market for 30 years at 12% growth, he’d have P77 Million. Wow.

Today, I can afford a bigger house. But I refuse to have one. Because we’re very happy with my small house. It’s small enough to know where my kids are. It’s small enough that we bump into each other a lot. If I don’t know where they are, I can just holler “Benedict!” and “Francis!” and they’ll come.

How Much Is Your Electric Bill?

I’m very proud of our electric bill. I only pay P3000 a month.

I know that electric bill isn’t the electric bill of a multi-millionaire. (Ahem). But perhaps that’s why I’m a multi-millionaire.

I have an air-conditioner in our living room. But I only switch it on when there are guests. That’s why my kids love guests.

The kids have an air-conditioner in their bedroom. But because they like staying with us, we only use the one in the master’s bedroom.

My friend has less money than me (I know because I’m his financial consultant) but his electric bill is P18,000 a month.

The difference between P18,000 and P3,000 is P15,000.

If he lowers his electric consumption to my level, that’s P15,000 that he can invest (I repeat: not trading!) in the Stock Market each month. In 30 years, at 12% interest growth per year, that P15,000 a month will become P45 Million.

What Kind Of Car Do You Drive?

A few weeks ago, I was driving my car. And my wife was beside me. While driving, I reached out and held her hand. That was when it hit me. I told her, “Sweets, my long-time dream has come true!”

“What dream?” she asked me.

“Remember? Before we got married? When you were still courting me? (Slap.) Er, I mean, when I was till courting you? I’d drive you home. And I wanted to hold your hand. But I couldn’t, because I was driving a manual car. I had to keep on shifting gears. So I told you, ‘One of these days, I’ll be driving an automatic car. So that I could hold your hand all the way home.'”

Come to think of it, I think that was the line that clinched the deal. I won her heart from that day on.

At that time, I was driving a car that was given to me. I couldn’t afford to buy any car, much less an automatic car.

But that was also when I became an entrepreneur. And I began to earn more. Slowly, my income increased. But here’s how I became rich: For 10 years, my lifestyle didn’t change. I was still spending money as though I was earning 1/10th of my income.

Finally, I bought my first automatic car just last year-after 13years of our marriage.

I could have bought my car many years ago, when I became a millionaire. (I still remember that day. I was 34 years old. I told my wife, “Kiss me, quick.” After she kissed me, I said, “You just kissed a millionaire.”)

Delaying gratification works. It gave me time to grow my investments over time.

Does Your Pail Have A Hole?

Building wealth is like collecting water in a pail.

If there’s a hole in the pail, the water will just drip out-and you won’t be able to collect any water.

That hole represents materialism.

What do you need to do? Plug the hole. And the only plug that can cover that hole is simplicity. If you don’t live simply, money will keep going out of the hole.

But alas, even simplicity isn’t enough. Plugging the hole in your pail isn’t enough. You need to constantly put new water into your pail…

For that, you need the third element…

3. Reproduce (Financial Literacy)

Retaining your money isn’t enough.

Why was Abraham wealthy? He didn’t only retain, he reproduced. The Bible says, Abram had become very wealthy in livestock and in silver and gold. (Genesis 13:2) At his time, wealth was measured by the heads of cattle, sheep, and goats that you had.

Here was their rule to wealth: If you wanted to become rich, don’t eat or sell all your animals. You have to keep some of them to reproduce after it’s own kind. The more animals you reproduce, the richer you become.

One sheep can give birth to one to three lambs every year. That’s a growth rate of 100% to 300% a year.

The secret of wealth is to keep your wealth reproducing after its own kind.

Where Do You Invest Your Money?

I’m not asking you to buy cattle, sheep, and goats. Times are different today. There are only three places to invest your money: Paper Assets, Business, and Real Estate. (Note: Paper Assets mean the Stock Market and Bonds.)

Not everyone can start a business or buy an income-generating property now. (In time, yes, through financial education.) But I believe you can invest in Paper Assets now. Out of the three kinds of investments, it’s the easiest investment to make in your life.

Specifically, if it’s a long-term investment, I encourage you to invest in the Stock Market. I don’t believe that you should trade. That’s dangerous. I’m talking about putting 20% of your salary each month in giant companies for years-disregarding the ups and downs of the market. If you follow this simple system, the Stock Market is the best, safest, and most effective way to build your wealth in your old age. (I teach this powerful system of investing. Click here to find out how!)

I know that’s a controversial statement, but suspend your doubts and hear me out first.

Your Money In The Bank Is Shrinking

One day, after teaching people how to invest in the Stock Market, one man came up to me and said, “Bo, is the Stock Market really safe? I’m scared to put my money there. I feel safer in the bank.”

I told him, “Putting your money in the bank is a risk too.” I explained to him that there are two risks: (1) Loss of Capital and (2) Loss of Value.

We’re more familiar with Loss of Capital. When you put your money in the Stock Market-and the company crashes-you’ve lost your capital. (Note: I must tell you that if you follow my system of investing in the Stock Market, the risk is dramatically minimized. For example, if you buy Stocks of giant companies only, such as Shoemart or Ayala or BPI, do you think these giant companies will collapse in the next 10 years? click here to know more)

The second risk we’re not very familiar with is Loss of Value. And that’s what happens when people put their “long-term” savings in the bank. (I believe banks are there for our “emergency funds” only.) People don’t understand that though their money looks the same in the bankbook, it actually shrinks through the years.

When I was baptized as a baby, my parents threw a party in a restaurant. Friends and relatives were invited. Do you know how much my parents spent for that party? I know. I still have the receipt. Mom stuck it in my baby photo album. My parents spent 32 Pesos.

That was years ago, when money was money. That’s what I mean by Loss of Value. In the same way, if you keep your money in the bank, it’ll shrink over time.

Instead Of Borrowing, Lend!

Here’s what the Bible says:

The LORD will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none. (Deuteronomy 28:12)

Yes, God wants to pour bounty into your life.

And God doesn’t want you to borrow. So stop borrowing. The Bible says, the borrower is the slave of the lender. They say slavery was abolished 200 years ago. That’s not true. There are many slaves today of credit card companies.

Instead of borrowing, God wants you to lend. Can I give you another word for “lender”? Investor.

Don’t lend to any Tom, Dick, and Harry. Unfortunately, many people will run away with your money and never repay you. I believe He wants you to investyour money to giant businesses that will repay you with interest.

Filipinos Need To Learn How To Invest

Some friends were inviting me to give a financial seminar to their large Christian community. So I offered to give them my seminar, How To Make Millions In The Stock Market. But the leaders of that community politely declined.

I don’t blame them. We’ve been brainwashed. We were taught that the Stock Market was dangerous, and the bank was the main way to save money.

But in the US, 70% of the population invests in the Stock Market. In the Philippines? Less than 1% invests in the Stock Market.

But I believe a day will come when this entire thinking of our country will change.

Two Ways To Get Into The Stock Market

You can invest in the Stock Market directly and indirectly.

“Directly” means you open an account yourself and buy the companies you want. You can do this through an online broker, such as our preferred online broker, Citiseconline. (I’m not an employee of Citiseconline. I recommend them for two reasons. First, because they’re the biggest and best online broker in the country. Second, because I know the owners of the company and they have the same vision as we have-giving an equal opportunity for everyone, rich or poor, to build their wealth.)

“Indirectly” means you invest in a Mutual Fund company. You can invest every month and they’ll manage your investment for you, for a management fee,of course. (If you use the indirect route, I suggest you invest in an “Equity Fund”, not their “Balanced Fund” or “Bond Fund”-if you’re investing for the long-term anyway.)

By the way, I’m not the only resource for your financial education. You don’t have to attend my seminars or read my books. There are many other seminars and books out there. Find them and learn. This is about your future-so be serious in learning about it!

Do You Want To Grow Poor Or Grow Rich?

The statistics are appalling. Why do 20% of people in the world own 80% of the world’s wealth?

Answer: The magic of Compound Interest.

If the Stock Market will perform the way it performed in the last 20 years, P2000 a month over the next 20 years will make you P5.3 Million. If you put P5000 a month, you’ll have P13.4 Million.

Because of the magic of Compound Interest, anyone with a regular income + a simple lifestyle + financial literacy can be rich.

It’s now your turn.

My very strong recommendation? Invest 20% of your salary each month in the Stock Market. And build your wealth for your old age over time.

Let me end with God’s promise for you…

God Will Bless Your Storehouse

In Deuteronomy 28:8, it says, “The Lord will command the blessing upon you in your storehouse…”

Remember what happened to Joseph in Egypt? God asked him to build a storehouse during the 7 years of plenty-so that Egypt would have food for the next 7 years of famine.

God blessed that storehouse and Egypt prospered.

Question: How can God bless your storehouse if you don’t have one?

Today, I have a storehouse. My storehouse is my long-term investments in the Stock Market.

It’s now your turn.

Build your storehouse so that God has something to bless!

May your dreams come true,

Bo Sanchez

PS. Do you want to create wealth in your old age? Watch this 11-minute video by clicking here. You don’t have to grow old and poor. You can grow old and rich. It’s really very simple.

To watch this 11-minute video, just click here.q .



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How A College Dropout Became A Mega-Millionaire!

By Bo Sanchez

“I don’t come from a rich family,” Edward said.

I blinked hard. “For a moment there, I thought you were related to the Taipans. Sorry to say this, but you look rich.”

“Not at all,” he said, “My parents are very simple people. My mother was a school teacher and my father was an ordinary door-to-door salesman. That’s why I believe that anyone can succeed in life.”

That day, I was having lunch with the Chairman of the Board of a few mega-companies. (I never knew that this was going to be the first of many, many lunches with Mr. Edward Lee. He has now become one of my best business and life mentors.)

“I was a bad student too,” Edward said.

“No Harvard under your belt?” I asked.

“Bo, I was a failing student all my life! People called me dumb. In fact, I never finished college.”

No college degree?

At that moment, a nice waiter came to our table.

Suddenly, it occurred to me that the young chap serving my dish probably had a college degree! (We were eating in a really expensive restaurant.)

And here I was, seated in front of a man who had no college degree, yet was now a billionaire.

Why? What happened?

I couldn’t wait to find out…

One of the Secret Ingredients of Success

“Do you know how bad a student I was, Bo?”

“Really bad?” I asked.

“In Grade School, I was an overweight kid who always slept at the back of the class,” he said. “Because my mother was a teacher in that same school, she would silently enter the room and wake me up. Being stout, I’d sweat a lot. She’d pull me out of the classroom, wipe my back, and change my shirt. She’d then tell me to return to class. And yes, I’d go back, sit on my chair, and sleep again.”

We both laughed. “You loved sleeping.”

How A College Dropout Became A Mega-Millionaire! - An interview by Bo Sanchez

How A College Dropout Became A Mega-Millionaire! – An interview by Bo Sanchez

“I was so lazy. And I just didn’t like school. That’s why I failed most of my subjects. All the way to High School. The only reason why I never repeated a year was because of my mother. As I told you, she was a teacher in the school.”

“Must have been very difficult for your parents.”

“I gave them hell. I caused them so much heartache. They’d cry and cry and cry in front of me, saying, ‘Edward, we know you’re not dumb!'”

“They never condemned you,” I said.

“Never. Not once did they say, ‘You’re stupid,’ or ‘You’re hopeless.’ Instead, all I saw were their tears and their unconditional love for me.”


Edward continued. “So if you ask me today, ‘What was the most important ingredient for your success?’ I would have to answer, “I am who I am today because of the unconditional love of my parents.”

“Beautiful. And did you at least try to go to college?”

“Yes. My parents insisted. But I failed there too. I cut classes and played bowling instead. By age 20, I dropped out.”

“And then what happened?”

“That was when I started investing in the stock market.”


God Moves His Hand

“One day, while playing bowling, I met another bowler. I was shocked to learn that he was one of my college professors! As the days went by, we became fast friends. And he was the one who taught me how to invest in the stock market.”

“So that’s what happened. You were 18?”

“Yes. On that day, I believe that God intervened in my life.”


“By the way, after 36 years, that professor is still my friend today. He now sits in the Board of Directors in one of my companies.”

“Fantastic. And you never left the Stock Market ever since?”

“Been there for 36 years. That’s how I created my wealth, Bo.”

“Edward, here’s my big question for you. Can anyone create his wealth in the Stock Market?”

“If you can save P5000 a month, yes you can.”

“P5000 a month?”

“That’s right.”

I frowned, “But Edward, isn’t the Stock Market dangerous?” (At that point, I have not yet gotten into the Stock Market.) “So many people say that they lost a lot of money in the Stock Market. I know some who curse the day they got into it.”

Are You An Investor or Trader?

Edward chuckled. “Bo, there are two kinds of people who get into the Stock Market. There’s what you call Investors and there’s what you call Traders. Investors hold their stock positions longer with the view the company’s growth will eventually carry the price. Traders take a short-term view trying to make the most out of market swings. Trading therefore is much more difficult and more prone to risk…”

“We shouldn’t trade then?” I asked.

“Don’t get me wrong,” he said. “If you know how to trade, you’ll earn much more. And yes, I can teach you to be a good Trader. But it requires time and experience to be a good one. But because you don’t have time…”

“Hmm, you know my schedule!” I laughed.

“Because you’re always busy preaching and doing your ministry, I’d rather that you be an Investor. It’s a no-brainer. I believe anyone can be an Investor in the Stock Market. And you’ll earn millions over time.”

“So when you’re an Investor, you don’t sell?”

“You do sell, but only after ten or twenty years.”

“And my P5000 a month will grow substantially and possibly make me a millionaire someday?”

“Over time,” he smiled.

I was dumbfounded. “You seem so sure, Edward. Doesn’t the Stock Market go into dips, crashes, and recessions? Won’t I lose my money when these happens?”

“It is possible for your investment to lose some value temporarily, but if you hold and ride the lows out, and keep on investing your P5000 every month while it’s low, soon, the market will go up again. Most stock markets, if not all, climb higher over time. It’s all a cycle.”

“How could I buy when everything is crashing?”

“That, in fact, is the best time to buy as you attempt to pick up good companies at fire sale prices.”

“Last question, Edward. How will I know what is a good company to buy? What if I buy a lemon that will go bankrupt next week?”

“You only buy shares of great companies that will keep growing for the next 10 years or more.”

“How will I know if a company will do that?”

“I can tell you their names now,” he winked. “We’ve got an army of analysts who don’t do anything else but study all the companies in the Philippine Stock Exchange.”

“Hey, that’s great. Okay, last, last question. When can I start?”

“Today if you want. Everything is online now.”

Making Millions At P5000 A Month

That conversation happened two* years ago.

That was when I began to invest in the Stock Market.

And for two* years now, Edward has mentored me in business and life.

And obviously, he has guided me in my Stock investments.

Today, I’m actually thrilled when the Stock Market is down (like now!). That means I can get richer. Because the little money I invest each month can buy more shares-which will multiply faster when the Stock Market cycles up again.

By the way, if you want to start investing in the Stock Market and don’t know how, Edward’s company, CitisecOnline**, has a fantastic program called Easy Investment Program, exactly the way I described above.

As Bo Sanchez said, I want you to experience this sense of hope and excitement too. Take charge of your finances. Don’t leave it to chance.

I encourage you to invest in your future. If you want me to help you, I’ve created the TrulyRichClub to guide its members to build their wealth. I’ll teach you how to do it. I’ll send you my Stock Updates every two weeks to tell you what Stocks to buy and sell. To know more about the TrulyRichClub, click the link below:

Yes Bo, teach me how to grow my money!Tell me more about the TrulyRichClub

PS. Take charge of your financial future.

To know more about the TrulyRichClub, click the link below:
Yes Bo, teach me how to grow my money!Tell me more about the TrulyRichClub

PS2. Join my TrulyRich Club! This unique program will open your life to abundance and change your limiting beliefs that prevent you from achieving personal success. To test-drive this powerful program for FREE***, log on at now!

To know more about the Truly Rich Club, click the link below:

Yes Bo, teach me how to grow my money!
Tell me more about the TrulyRichClub

*This article was written several years ago, so the conversation is more than two years old
**CitiSecOnline is now known as ColFinancial
***To test drive, download the FREE eBook My Maid Invests in the Stock Market


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Are You Afraid Of Growing Old Without Money?

By Bo Sanchez

Greg is a 63-year old Vice President of a company.

The salt and pepper hair fits him nicely. Makes him look elegant. Greg also wears cool clothes that make him look like a rich gentleman.

But his eyes can’t hide the bone-chilling TERROR inside.

Because he knows he will retire at 65. That’s just two years away. And he’s scared. Because on that day, he won’t have a monthly paycheck anymore.

“I’m sure you have savings, right?” I asked Greg.

He looked down, shaking his head. “Not more than P200,000 in the bank. I’ve never been very good with savings. I just spend my money. And there were many emergencies along the way. I know I should have saved more. But I didn’t.”

I asked, “But you’ll get a nice retirement package from your company?”

“To pay my debts,” he sighed. “I just borrowed to buy a car last year. And did some house repairs this year. We also travelled as a family last summer, paid for by another loan. So whatever I’ll get from my retirement will erase my debt. But nothing will be left. Absolutely nothing.”

What will I do? Growing old.... no money.....

What will I do? Growing old…. no money…..

I couldn’t help but groan.

Greg was staring at the PERFECT STORM. A financial calamity that was coming in two years.

“Can you help me, Bo?” Greg asked.

I pitied him so much. If only he was twenty years younger-it would have been easy!

My Maids Have MORE Investments Than This Vice President

All my maids are invested in the Stock Market.

My first maid-the first one who started her investment program under my guidance-now has P841,533 in her stock market portfolio. She’s only 30 years old. If she keeps investing, she’ll have P15 Million by the time she hits 50. Note: A maid! (Last year, I promoted her to bookkeeper, but that’s another fascinating story to tell at another time.)

Almost all my employees (over a hundred of them) are investing in the Stock Market too. Messengers, janitors, clerks… I’ve got happy employees because they will all be multimillionaires when they retire.

Even my sons Benedict and Francis, ages 13 and 7, are investors. For years, Benedict would invest money from his odd jobs. And Francis would invest Christmas cash gifts from Ninangs and Ninongs. They will be millionaires by age 18 and multimillionaires by age 21.

Let me repeat: Their money is in the Stock Market.

Not in the Bank.

Did you know that the interest you earn in a bank is LESS then 1% a year? But in the Stock Market, if you follow my simple investment system (NOT trading!), you’ll grow your money from 12% to 20% a yearover time and become a multimillionaire in 20 years.

You Don’t Have To Make The Mistakes Of Greg

Some people think that as you grow older, you’ll have to grow poorer.

Not true. You don’t have to make the mistakes Greg made.

Thousands of people have already joined my TrulyRichClub.And following my guidance, they have started investing in the Stock Market. And they’re very happy.

Those who joined me 2 years ago-and who invested in the Stock Market with my guidance-can’t thank me enough for the TOTAL CHANGE that has happened in their financial life.

I repeat: Don’t be like Greg. You don’t have to be afraid growing old and poor.

Stop postponing! You’re missing out on these earnings. Most importantly, you’re missing out on gaining financial freedom.

To join, click the link below:

Yes Bo, I’d like to change my finances.
Tell me more about the TrulyRichClub.

May your dreams come true,

Bo Sanchez

PS. Start this new year right! To gain financial freedom for your future and join the TrulyRichClub, click the link below:

Yes Bo, I’d like to change my finances.
Tell me more about the TrulyRichClub.


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The Stock Market Is Like A Rocketship. . .

My mentor, inspiration and friend Bo Sanchez just sent me an email today, and he said

The Stock Market Is Like A Rocketship That Went Down To Earth For A Pitstop; But Soon, After Resting, This Rocketship Will Blast Away To The Sky Again…

With Or Without You.

Join Bo Sanchez’
How To Make Millions In The Stock Market
“Live” Seminar on August 29, 2015,
8:00am to 12noon

I love it when the Stock Market goes down.

When stock prices are cheap, not because there is something wrong with the company, but because of global matters unrelated to these fantastic companies.

While everyone (usually short-term Traders) are crying and want to kill themselves, long-term Investors like myself (and the entire TrulyRichClub gang) are throwing parties and dancing the zumba.


Two Big Reasons:

First, we make our biggest profits during times like these—when we prices are down.

Second, we know that this is temporary. Very soon, the Stock Market will blast off again to outer space, bringing all its passengers.

I invite you to ride it now.

Six years ago, my maids and driver rode this Rocketship for the first time in their lives. Yes, I’m the crazy guy who taught them how to invest in the Stock Market.

Today, one of my maids has P841,533.91 and my other maid has P631,526.77 in their stock investments. (Both of them are the subject of my book, My Maids Invest In The Stock Market And Why You Should Too.)

Today, I’ve taught THOUSANDS of people change their financial destinies. Everywhere I go (walking in a mall or on the street) total strangers hug me and tell me how grateful they are for what I did for their financial lives. I tell the, “I didn’t do anything. You did it. You followed my directions.”

Friend, it’s now your turn. Change your financial future.

It’s not too late. You can begin now before the rocketship goes up again.

Join me in my How To Make Your Millions In The Stock Market Seminar. At the end of the seminar, if you don’t have a stock broker yet, you can open a COLFinancial account, the #1 stock broker in the country. My team will also guide you—one step at a time—how to operate their website and buy your first stock!

Warning: The last time I gave this seminar, it was over-booked. We couldn’t accommodate everyone who wanted to come in. I suggest that if you’re serious in learning to invest in the Stock Market, click the link below:

Yes Bo,

Tell Me More About How I Can Become A Multimillionaire Through The Stock Market

May your dreams come true,

Bo Sanchez

PS. Sorry, this isn’t a quick-rich scheme. I’m going to teach you how to be wealthy over time. To sign up for my How To Make Millions Through The Stock Market, click the link below:

Yes Bo,

Tell Me More About How I Can Become A Multimillionaire Through The Stock Market


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How Much Did Your Money Grow In 2014?

by Bo Sanchez

If you put your money in a bank savings account, it grew by 1%. Actually, if you really want to be specific about it, it grew by 0.75% MINUS 20% withholding tax.

So you earned something next to…uh…air.

Okay, with some dust particles.

But not my 5000+ TrulyRichClub Members.

I taught them how to invest in the Stock Market. And this year, they grew their money by 20%, 30%, 40%…. (The differences largely depended on what specific Stock they bought in my list of recommended Stocks.)

They’re extremely happy. How happy? When they see me in the mall or on the road, they rush to me and hug me tight. But when they say, “Bo, I’m a TrulyRichClub Member…” I know why they’re hugging me.

Because I just made them richer in 2014.

I can’t make promises that the same thing will happen next year. Because anything can happen-a comet hitting planet earth, or World War III breaks out, or, shucks, we get an alien invasion from the next galaxy.

But this is what I will promise: I’ll be committed and strive my very best to make them richer again in 2015

Today, I’m not writing to everybody.I’m specifically writing to people who want to grow their financial life-and who want my guidance in investing in the Stock Market.

Are you tired of being stuck in a rut in your finances?

Are you tired of your lingering debts?

Are you tired of feeling the pain of wanting to help people you love, but can’t, because you don’t have the resources?

Are you tired of your big fears and uncertainty?

Are you tired of working very hard everyday, only to realize that you don’t really have any savings for your future?

Just in case you’re that person, let me help you.

To know more about my TrulyRichClub, click the link below:

Yes Bo, teach me how to grow my money in 2015;

Tell me more about the TrulyRichClub

May your dreams come true,

Bo Sanchez

PS. By the way, the TrulyRichClub isn’t just about Stock Market investing. That’s only one part. In the TrulyRichClub, aside from teaching people how to grow in their financial life, I also teach people how to grow in their spiritual life. For what’s the use of growing in your finances if you lose your soul?

To know more about the TrulyRichClub, click the link below:

Yes Bo, teach me how to grow my money in 2015;

Tell me more about the TrulyRichClub


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Truly Rich Club Caravan Goes to Santiago City and Tuguegarao City

I’d like to share with you this email from Bro. Bo Sanchez:


Hi Roberto,

Last February 21 & 22, the Truly Rich Club Caravan went to La Union and Pangasinan. For two days, we taught our kababayans there how to be truly rich and how to invest in the stock market. It was a huge success!

Here’s a promise. We are committed to helping good people become rich. For this reason, we are going to the different cities all over the Philippines. Yes! We really want to help you grow your finances.

Great news! Are you from Santiago City, Isabela and Tuguegarao City, Cagayan? TRC Caravan will conduct seminars in these cities on April 18-19, 2015.

Don’t miss our TRC Caravan there!

For more details and to sign up, go to

This is open to members of Truly Rich Club. This is also open to those are not yet members of TRC but who want to grow their finances just the same.

May your dreams come true.

Bo Sanchez

P.S. I’m excited to see you grow your finances and become truly rich! Join us at the TRC Caravan in Santiago City and Tuguegarao City. To register, visit

P.P.S. We’ve made the registration fee very affordable at P497 only. Slots are limited. To sign up, visit


The Caravan Schedule:
Date: April 18, 2015
Time: 3:00-6:00pm
Venue: Monte Carlo Hotel, Santiago City

Date: April 19, 2015
Time: 3:00-6:00pm
Venue: Ivory Hotel & Suites, Tuguegarao City

And if you’d like to join the TrulyRichClub, just visit the TRC Website


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