SM
SM Energy Company
stock NYSE

The guy above said he went all in 730 on SM. It's 705 now.
Always fun to go back to old posts like this.

Most beginners here use COL Financial or First Metro Sec since they’re easy and popular. I personally use Just2Trade because of lower fees and access to both PH + US stocks in one account. More flexible long term. My first buy was just a boring blue-chip (JFC/SM type) to learn how everything works lol.

Just would like to share my experience with MP2 maturity claim process. I am still for MP2 as an investment although namalas lang ako sa maturity claim process and there are areas of improvement din sa customer service nila.
Details below:
\> My MP2 matured last December 21, tamang tama sya kasi malaking amount na nasave ko and I need that money para sa construction ng house. Pareho kami ng wife ko ng maturity date so we both filed a claim online at the same time
\> Yung sa wife ko nakuha nya yung claims nya ng mabilis. Before New Year nasa AUB Loyalty Card Plus account na nya.

\> Sa akin natapos na yung New Year wala pa rin update. Dahil kailangan ko na sya nagfollow up ako sa contact center nila first sa email and hotline

\> In fairness, mabilis naman sila sumagot. Problema lang is wala namang action na nadulot yung responses nila. Parating sagot nila is that your "claim is in process" and we will get back to you

\> Sinasabi ko sa mga follow up ko na I need money urgently for construction. Sabi nila na 20 working days ang turn around time and it will be processed accordingly. Ang malas ko lang kasi ang daming holidays and office shut down because of Christmas and New Year
\> Umabot na ng February 1 at wala parin. Araw araw ako nagfofollow up pero standard pa rin ang sagot. Ang masama pa is down ang system so wala talaga silang update. Lampas na rin ang 20 working days na TAT nila.
\> Eventually since wala namang nangyayari, nakuha ko yung branch na may hawak ng Pag-ibig account ko which is SM Aura, Dun nako tumawag directly and in less than 20 minutes naprocess na yung claim ko, for release na lang daw. Nainis talaga ako, ano ang silbi ng Customer Service!!!
\> After less than 48 hrs nasa Loyalty Plus card ko na yung amount. Inuupdate din ako ng branch ng status

Lessons learned:
\> Tumawag na lang directly sa branch (so dapat alam mo kung anong branch ka). Kelangan din ayusin ng customer service yung "capability nila". Parang wala silang authority/ powers sa mga complaints na lumapag sa kanila.
\> Another thing din na masakit is that the computation of dividends is only until November, not even up to December 21 which is the maturity date. Ang sabi nila is since nagfile ako ng claim ng December (late December mind you and ang daming holidays) magcocompute lang sila ng dividend until the full month before. Ang point of view ko is that since February nyo sya nirelease, dapat until Feb/ end of Jan ang dividends. Medyo malaki din ang amount since for house construction nga so malaki din yung dividends na naforego since nakalutang lang yung transaction

Well lessons learned na lang since first time ko magfile ng claim (and minalas din ng konti). Sharing this so you know what to expect.

The guy above said he went all in 730 on SM. It's 705 now.
Always fun to go back to old posts like this.

Most beginners here use COL Financial or First Metro Sec since they’re easy and popular. I personally use Just2Trade because of lower fees and access to both PH + US stocks in one account. More flexible long term. My first buy was just a boring blue-chip (JFC/SM type) to learn how everything works lol.

Just would like to share my experience with MP2 maturity claim process. I am still for MP2 as an investment although namalas lang ako sa maturity claim process and there are areas of improvement din sa customer service nila.
Details below:
\> My MP2 matured last December 21, tamang tama sya kasi malaking amount na nasave ko and I need that money para sa construction ng house. Pareho kami ng wife ko ng maturity date so we both filed a claim online at the same time
\> Yung sa wife ko nakuha nya yung claims nya ng mabilis. Before New Year nasa AUB Loyalty Card Plus account na nya.

\> Sa akin natapos na yung New Year wala pa rin update. Dahil kailangan ko na sya nagfollow up ako sa contact center nila first sa email and hotline

\> In fairness, mabilis naman sila sumagot. Problema lang is wala namang action na nadulot yung responses nila. Parating sagot nila is that your "claim is in process" and we will get back to you

\> Sinasabi ko sa mga follow up ko na I need money urgently for construction. Sabi nila na 20 working days ang turn around time and it will be processed accordingly. Ang malas ko lang kasi ang daming holidays and office shut down because of Christmas and New Year
\> Umabot na ng February 1 at wala parin. Araw araw ako nagfofollow up pero standard pa rin ang sagot. Ang masama pa is down ang system so wala talaga silang update. Lampas na rin ang 20 working days na TAT nila.
\> Eventually since wala namang nangyayari, nakuha ko yung branch na may hawak ng Pag-ibig account ko which is SM Aura, Dun nako tumawag directly and in less than 20 minutes naprocess na yung claim ko, for release na lang daw. Nainis talaga ako, ano ang silbi ng Customer Service!!!
\> After less than 48 hrs nasa Loyalty Plus card ko na yung amount. Inuupdate din ako ng branch ng status

Lessons learned:
\> Tumawag na lang directly sa branch (so dapat alam mo kung anong branch ka). Kelangan din ayusin ng customer service yung "capability nila". Parang wala silang authority/ powers sa mga complaints na lumapag sa kanila.
\> Another thing din na masakit is that the computation of dividends is only until November, not even up to December 21 which is the maturity date. Ang sabi nila is since nagfile ako ng claim ng December (late December mind you and ang daming holidays) magcocompute lang sila ng dividend until the full month before. Ang point of view ko is that since February nyo sya nirelease, dapat until Feb/ end of Jan ang dividends. Medyo malaki din ang amount since for house construction nga so malaki din yung dividends na naforego since nakalutang lang yung transaction

Well lessons learned na lang since first time ko magfile ng claim (and minalas din ng konti). Sharing this so you know what to expect.

I posted my GMGI thoughts in few groups on Reddit but they may have been taken down as I guess I broke some rules? I usually use X, but thought this might be a good way to get some visibility and discovery as I think it is at that stage to run.
Post:
$GMGI acquired Meridianbet & Expanse. They currently trade @ .74 or .5X. They are set to make $200+ mil in rev w/a $100 mil market cap. For you newbies that means they will make twice what their company is valued at in 1 year. GMGI’s combined 5 companies are valued at over $500 mil. GMGI is grossly undervalued at .5X in a sector avg 1-5X and much much higher for content plays. No hype, no BS, it is truly a rare asymmetric 10x upside set up.  

I own many of the current runners everyone posts about. IREN CIFR ONDS ZETA GRAB (no SOFI yet) NU MELI DLO etc and as good of LT holds as they are, they have all already run huge. IREN was around $1, ONDS ran from .37 cents, $CIFR ran from .54 cents, SOFI ran from $4, GRAB from $2. 

My point is after they initially run hard they almost always drop and consolidate for 2-5 years while retail sells at rock bottom and smart money buys. After the company raises cap, tech is adopted, they execute and scale, rev finally hits bottom line, they turn profitable and SP resumes upward and then everyone posts about them and loves them again. $GMGI is pre run-up but ready. With almost all shares tied up the float is a tiny 8-10 mil available. 

Use AI, Google, run screens, search SM, and you will not find a small rapidly growing company w/that rev, market cap, YOY rev growth of 30%, 22% CAGR est next 2 yrs, 56% net rev growth est per yr. Lets talk debt - low 1.2 ratio and the debt they had was not operational, it was from Mbet acquisition and they wanted shares at a value of $3 and insiders have increased SC to now owning 85% of the company. That is massive confidence they can continue to build the company over $3 per share. Majority of debt in the rear view. They sit on around $20 mil cash. 

The company has 5 subsidiaries with CEOs as well as founders with decades of execution and skin-in-the-game. Meridianbet CEO Zoran Milosevic built Mbet with zero borrowed money. He is fiscally conservative and will not operate at a loss. He simply executes. Damjan Stamenkovic is CEO of Expanse Studios. Google it’s growth - exploding like it is on steroids with 1300 partnerships and aiming at 3000 in 2026. Google the CEO's. 

A moat of 20+ countries, licenses, languages, regulations, tax rates, currencies, player preferences, etc. They are in the rare 5% that own their AI tech - 5th gen “Atlas” and can outsource it. They own their content. They are multi rev stream B2B & B2C as well as franchise or own over 800 retail “Betshops” for brand recognition. They have an impeccable reputation and zero red flags. They are second ton none in making a community impact in areas they operate. Read their ESG reports. 

They have tailwinds of global governments fast-tracking legislation to obtain the tax rev from the est $500 billion market online sportsbetting and igaming market by 2030. Internet access, cell service, and 5G buildout are all tailwinds. They have huge catalysts like being 1 of 120 to obtain a rare Brazil Fed Gaming Lic. The 2026 World Cup expected to eclipse all sports handle records. New countries, new licenses, new games, new rev streams.
You won't find a more asymmetric set up IMO. Truly rare. Once this company has a little visibility and discovery - I think it will fly. 

I am not an advisor. Do your own research. I have been investing for 35 yrs and have had many expensive lessons. Illiquid micros and smalls take years of patience and a steel stomach for volatility. They are highly risky but downside can be minimized with knowledge and control of emotions.  

I have a friend whose brother lives there, and I also live here sa Binan. Their house also cost 4M (2008) although I'm not sure of the lot size (I've been to their house before and I think nasa 100-120sqm lang rin yun).
1. Yes, reasonable siya. I live near DLSU-STC in Binan and I can say na mura na siya. Houses here sa area namin with the same lot size cost around 5M already, even before the whole area in front of DLSU was even developed (2020-2022). Heck, the house that we live in right now is around 130sqm and cost around 4.5-5M already (we just rent).
2. Yes, good siya imo if you plan to live there long term since malapit siya sa CALAX, SLEX, and the city hall. One CALAX away lang siya from places to go like Tagaytay and Nuvali, good schools like St. Scho and DLSU, and hospitals like Medical City and Qualimed. May SM and wet markets nearby if you need groceries. Since gated subdivision naman ang Jubilation, **medyo** tahimik ang lugar after rush hour.
3. I don't think you can find a 3M deal for 140sqm in other places. You can try looking for houses in the villages near Technopark but the cheapest ones are usually very dilapidated and unlivable.
4. Yes, Jubilation is flood-free. Naabutan na ako ng bagyo dun sa bahay ng kaibigan ko and wala namang baha.