Let me be real with you for a second.
When I first heard about the Truly Rich Club (TRC), I rolled my eyes a little. “Another paid membership promising to make you rich?” I thought. “Sure, kuya.” I was skeptical — and honestly, you probably are too. That’s exactly why I wrote this review.
I’m The Investing Engineer. My whole mission is to help Filipinos like you build real wealth through the Philippine Stock Exchange (PSE) — without the hype, without the noise, and definitely without losing your hard-earned pera to bad decisions. So when I sit down to review something, I go full engineer mode: I look at the data, I weigh the value, and I give you the honest truth.
By the end of this post, you’ll know exactly whether TRC is worth your money in 2026 — or whether you’re better off doing it alone.
What Is the Truly Rich Club?
The Truly Rich Club is a stock market mentorship community founded by Bo Sanchez, one of the Philippines’ most beloved Catholic speakers and best-selling authors. He started TRC around 2008 with a simple premise: help ordinary Filipinos — teachers, nurses, OFWs, government employees — invest in the stock market without needing to be finance experts.
The club operates on what Bo calls the “SAM” method — Strategic Averaging Method. Think of it as a faith-based, disciplined version of peso-cost averaging: you invest a fixed amount every month, in strong Philippine blue-chip companies, no matter what the market does. No market timing. No panic selling. Just consistent, long-term investing.
In 2026, TRC remains one of the most widely-followed investing communities in the Philippines. With the PSEi hovering around the 6,000 level and many investors unsure what to do next, the structure and guidance TRC provides is arguably more valuable than ever.
What Do You Get as a TRC Member?
Here’s a breakdown of what’s inside the membership:
- The Sacred Stocks List — Bo’s curated list of recommended PSE stocks to buy. Updated regularly based on fundamentals. No stock-picking guesswork needed.
- Monthly TRC Stocks Update Newsletter — A plain-language email telling you exactly what to do: buy, hold, or wait. Written for non-finance people.
- Weekly Abundance Tips — Short emails combining wealth mindset, personal finance basics, and faith-based money principles.
- Access to the TRC Community — A private online group where members share updates, ask questions, and keep each other accountable.
- Bo Sanchez’s Books and Resources — Digital access to his investing books and beginner guides.
- Occasional Live Sessions and Webinars — Q&A events and market updates hosted by Bo and his team.
As of 2026, TRC membership is priced at ₱997/month. Always check the official TRC website for the latest pricing and any available promotions.
💡 Pro-Tip: Break down the cost — that’s roughly ₱33/day. Less than one milk tea. The question isn’t whether you can afford it; it’s whether the value exceeds that cost. Let’s figure that out.
The Honest Pros: What TRC Gets Right
✅ Pro #1: The Elimination of “Emotional Investing”
This is TRC’s biggest — and most underrated — value. Ask any seasoned investor: the #1 reason Filipinos lose money in the stock market is not because they picked the wrong stocks. It’s because they panic-sold when the market dropped, or bought at the peak during hype cycles.
The PSEi dropped significantly during the COVID crash, the interest rate hikes of 2022–2023, and various global uncertainty events. In every single one of those moments, TRC members who followed Bo’s guidance — “Keep buying. Don’t stop.” — came out ahead. The structure of monthly SAM contributions removes the emotional component almost entirely.
For a Filipino beginner who has never invested before, this is worth a lot more than ₱997/month.
✅ Pro #2: A Curated “GPS” for the Philippine Stock Market
Let’s use an analogy. Imagine you’re driving from Manila to Batangas for the first time. You could wing it — use your instincts, ask random people for directions, maybe Google random blogs. Or you could just turn on Waze.
TRC is your investing Waze.
Instead of scrolling through Reddit, Facebook groups, and YouTube videos trying to figure out which stocks to buy, you get a pre-screened list of fundamentally strong Philippine companies. The Sacred Stocks List in 2026 continues to feature reliable blue-chip companies — the kind of businesses that have survived multiple economic cycles.
✅ Pro #3: It Pairs Beautifully With Modern Broker Tools
In 2026, investing through the PSE is easier than ever. With platforms like GStocks Global now available to Filipino investors, you can set up your portfolio, fund your account, and buy your first stock in under 15 minutes — directly from your phone. TRC’s monthly guidance integrates perfectly with these modern brokerage tools. You get the “what to buy” from TRC, and the tech handles the “how to buy.”
✅ Pro #4: The REITs Opportunity Is Real Right Now
One area where TRC has consistently educated its members is REITs (Real Estate Investment Trusts). With PSE-listed REITs currently offering dividend yields in the 6–8% range in 2026, this is genuinely significant. TRC members are among the Filipinos best-positioned to take advantage of this, because they understand the concept of letting dividend income compound over time.
✅ Pro #5: The Community Effect Is Powerful
Investing is a lonely journey when you do it alone. Your family thinks you’re gambling. Your friends don’t understand why you’re not spending your bonus on a new phone. The TRC community gives you a tribe of like-minded Filipinos — people who understand the patience required for long-term wealth building.
This sounds soft. But psychologically, having community accountability is one of the strongest predictors of whether a new investor sticks to their plan or quits after 6 months.
Curious if TRC is the right fit for you?
If the five pros above sound like exactly what you’ve been missing, it might be worth checking out. No pressure — just take a look at what’s inside and decide for yourself.
The Honest Cons: Where TRC Falls Short
❌ Con #1: It Is Not a Substitute for Financial Education
TRC tells you what to do. It doesn’t always explain the deep “why” behind every decision. For beginners, this is fine — you don’t need to understand every ratio or chart pattern to start building wealth. But as you grow as an investor, you’ll want to understand valuation, reading financial statements, and market mechanics more deeply. TRC alone won’t give you that.
Think of TRC as your training wheels. Excellent for getting started. But at some point, you’ll want to develop your own investing muscles too.
❌ Con #2: The SAM Method Is Passive — Almost Too Passive
The Strategic Averaging Method is designed to remove decision-making. That’s its strength. But it also means you won’t be buying aggressively when markets are clearly undervalued, or trimming positions when valuations are stretched. For a purely passive beginner, this is fine. But more active investors may find TRC’s guidance too conservative, too hands-off.
❌ Con #3: The Pricing Perception Problem
For many Filipino beginners — especially students or those just starting their career — ₱997/month feels like a real commitment. If your monthly salary is ₱15,000 and you’re still building your emergency fund, that ₱997 might genuinely be better allocated to your starter investment capital first.
To be fair, the guidance you receive monthly can easily justify the cost if you avoid even one bad investing decision. But the perception of “expensive” exists — and it’s worth acknowledging honestly.
❌ Con #4: It’s Not a Get-Rich-Quick Solution
I’m including this as a “con” not because TRC misleads anyone — Bo is actually very upfront about this — but because some people join with unrealistic expectations. The SAM method is designed for 10, 15, 20-year wealth building. If you’re expecting your money to 10x in 2 years, you’re in the wrong place.
The “Expensive” Tag vs. The “Peace of Mind” Value
Let’s settle this debate once and for all.
People say TRC is “expensive.” But let me ask you: compared to what?
Compare TRC to the cost of making one bad investing decision — panic-buying a hyped stock at its peak, losing 30–40% of your capital, and quitting the market forever. That one emotional mistake costs you infinitely more than ₱997/month.
Compare TRC to hiring a financial advisor. A decent one charges ₱5,000–₱20,000 for a one-time financial plan. TRC gives you ongoing monthly guidance, stock picks, and community support — for a fraction of that.
Compare TRC to doing nothing. Every month you delay investing, you lose the power of compounding. If you’re 25 years old and you invest ₱5,000/month starting this year, versus starting at 35 — the 10-year head start is worth millions of pesos by retirement age.
The “expensive” label doesn’t survive any of those comparisons.
The real value of TRC is what it gives you that money can’t easily buy on its own: a system, a community, and the discipline to stay the course when markets get scary. In the investing world, that “peace of mind” premium is not a luxury. It is a necessity.
The Investing Engineer’s Verdict: 8.5 / 10
TRC is not perfect. No membership is. But for the Filipino who is serious about starting their investing journey — and equally serious about not doing it alone — TRC remains one of the best-structured, most accessible long-term investing programs available in the Philippines in 2026. At ₱997/month, it earns its price tag through structure, community, and emotional discipline alone.
Who Should Join TRC in 2026?
✅ First-time investors who want guidance without needing a finance degree
✅ OFWs who want to invest their remittances wisely and passively
✅ Young professionals (early 20s to 30s) who understand the power of time in the market
✅ Anyone who has tried investing before but quit due to emotional stress
✅ Filipinos who want a faith-aligned, values-driven approach to wealth building
Who Might Not Need TRC?
❌ Experienced investors who already have a solid system and do their own research
❌ Active traders looking for short-term signals and technical analysis
❌ Those still building their emergency fund (invest in your foundation first)
Final Thoughts from The Investing Engineer
Here’s my honest bottom line.
The Truly Rich Club is not magic. Bo Sanchez is not handing you a shortcut to overnight wealth. What TRC gives you is something far more powerful: a proven system, a supportive community, and the discipline to invest every single month — even when the news is scary, even when the market is down, even when your friends are telling you to just put it in a time deposit.
In a country where the majority of Filipinos have zero investments and zero retirement plan, paying ₱997/month to build a wealth-building habit is not expensive. It might just be the best investment you make this year.
If you’re on the fence, my advice is this: Start by reading our complete beginner’s guide to investing in the PSE — it will give you the foundation you need. Then open your brokerage account (GStocks Global is an excellent option for beginners in 2026), get your first few investments going, and evaluate if TRC’s guidance adds enough structure and clarity for your journey. For most beginners, it absolutely will.
Invest smart. Stay patient. Become truly rich — one month at a time.
💡 Pro-Tip: Whether or not you join TRC, the most important investing decision you can make in 2026 is simply to start. Open that brokerage account. Make that first ₱1,000 investment. The market rewards those who show up — not those who wait for the perfect moment.
If you’ve read this far, you’re already ahead of most Filipinos.
That curiosity? That’s the first step. If you want a structured way to keep going — with a stock list, monthly guidance, and a community behind you — TRC is worth a look. Give it one month and see how it feels.
BASTOS IYONG CUSTOMER SERVICE NG TRC ANG NAME NG NAKACHAT KO SI DEN LOTERTE. MATAGAL SILANG MGPROCESS NG REFUND KUNG UNSUSUBSCRIBE KA SA KANILA KASI HANGGANG NGAYON WLA PA RIN IYONG REFUND KO
That’s sad Jayjay. Sana maresolve agad asap yung refund request mo and any other issues you have with them.
Hi,
I’m actually interested in joining the Truly Rich Club. I’ve read good reviews online. But after discovering that perhaps all the reviewers online are under the commission program of Mr. Sanchez’ Truly Rich Club — I’ve become reluctant to join realizing that these reviews may potentially be “biased” in favor of receiving commission from internet marketing.
While I do not want to think that this program is a “Scam” — I just want to share that it makes it incredibly difficult for readers to believe the authenticity of a review if it has an outrageously large click-me like button (e.g JOIN TRULY RICH CLUB) and if the content of your review has extreme similarities to other reviews found online (e.g same pros and cons, same format, same wording)
I understand that your intention of sharing Mr. Sanchez’ program may be good. However, if this review (and if all the other reviews online as well) were written in an unbiased and objective point of view, it would be easy for me to subscribe. But unfortunately, it makes me think twice on whether I should invest in Mr. Sanchez’ program because each review I read reminds me of how similar it is to multi level marketing scams.
Again, I am still interested interested in joining. It’s just that I hope that I may still find other unbiased reviews out there, if there are any.
Hi thank you for your honest thoughts. While it’s true that we are paid commissions through affiliate marketing, one of the other big reason I promote TRC is because of its INTEGRITY. Most of the wealth programs/products out there seem focused only on the money side of life or greed. TRC is not like that. This is why for almost 2 years now, I’ve been a steady member. The real value of the life lessons I learned in the club manifested in this blog, my investments and savings which I had built overtime.
TRC is not for everyone and I initially thought if it could benefit me. And the same thoughts run through my mind before I joined. Just like you, I was hesitant at first but I thought if I didn’t like it, I’ll just opt out and get my money back guarantee, but it turned out the opposite.
TRC’s wealth building lessons and strategies is something you have to absorb for the long-term. You have to be consistent and committed in following the strategy laid out to you in the club. It teaches you positivity and opens you to a world of probabilities on building your passive income.
TRC is just one of the wealth groups out there. There are other groups you can find; mostly Facebook investing groups. You may find what you’re looking for in them and they are free. Just be careful to the people you follow. Look for honest, smart and people with integrity.
I don’t want people spending money on things that have no value. If you think that TRC will not provide you the value you’re looking for, then please don’t spend your hard earned money on the program even if it’s just P497.
Thank you and God Bless. 🙂
I already have a stock portpolio (blue chips). What if I join TRC and none of my current stocks is in the SAM table. Does it mean I have to sell and buy the SAM stocks or just hold until my stocks are featured in the SAM? Thank you.
Hi Kev,
1) Do you have an existing strategy planned out in your current portfolio? If you do and believe it’s a solid plan, then stick with it. If you’ll add SAM to your strategy, then I suggest you rebalance your portfolio by top slicing your winners and by introducing fresh capital to the SAM stocks.
2) If you’re planning to change strategy to SAM, then I suggest to do it slowly by liquidating the winners and transferring the capital to the SAM stocks. Wait for the losers to turn green and then sell. Then add capital regularly.
The strategy works well if you’ll follow the strategy on a portfolio level. It doesn’t really work well if you’ll just concentrate on a single or 2 SAM stocks. You have to plan out an accumulation strategy by buying all of the recommendations and strictly following the allocation percentages. Then monitor the performance if it can beat the PSEi index y-o-y. TRC’s performance since its inception I heard from Bro. Bo is at 17% CAGR, beating the PSEi by 5 points. This is not bad and not outstanding as well but between the two, I’d rather follow this than park my money on an index fund that can only net me 12% CAGR.
Hope my opinion helps. Good luck Kev and God bless. 🙂
Hi Sir,
My original strategy is PCA with my stocks at hand. I’m doing it for almost a year now and I see little to no gains at all. It’s still okay though since I invest for the long term. But I’m thinking to shift to SAM hoping to maximize my portfolio’s potential.
Thank you for prompt reply and great insights you shared.
1 year of doing PCA is not enough measure to gauge your success. 3 years should be the minimum and if you’re more patient, a 5-yr. time frame should be the basis. Be reminded that just like PCA, SAM is also geared towards a longer time frame; 10 – 20 years.
The market sometimes performs poor, and if you perform poorer than the market, then it would be wise to let your money be managed by someone else. Look for the best performing mutual funds out there.
PCA is not a strategy btw, because PCA tells you to buy even if the prices are high, that’s not a good practice.
PCA is best applied in managed funds. If you have mutual funds, then do PCA. A strategy involves some timing and research. If you’re buying individual stocks, then you must have a strategy in place. SAM gives you that easy to follow approach. But it doesn’t necessarily have to be SAM, there are others as well.
hi ,
tnx for this article
i just wanna know ur thoughts of doing a technical analysis (macd, cci, etc. )
techinical way of forecasting the movement of stocks.
technical analysis vs sam..
tnx 🙂
Hi Mark,
Technical analysis is a very different strategy than SAM. TA uses models and patterns to predict future price action. Whereas in SAM, uses fundamentals in assesing the value of the business thus determine a specific range of prices to buy and a range of target prices to sell.
SAM takes advantage of short-term market gyrations in reducing risk. You buy when prices go lower.. In TA, you set a cutloss strategy instead.
As long as you can adapt to both schools of thought in your investing decisions, then you’ll never have a problem in dealing with both.
Assess your risk tolerance and choose a suitable strategy based on it.
Good luck. 🙂
HI there! My name is Kristel. I came upon your blog after reading reviews about TRC. I live in California. I tried to check out for payments but it is asking me to pay in pesos. Also will I still be able to buy Philippines stocks despite me residing and an American citizen?
Id like to see bo sanchez’s or any one of your so called analyts’ inveatment portfolio return. I think it would add credibility to your club. May real success stories na ba kau? Proven and audited?
You can forward that concern through their hotlines located in their site.
Hello! Ask ko lang if yung subscription is billed monthly or annually?
It’s billed annually.
I am already 73 years old. Hard up due to Corona 19 pandemic and have medicine maintenance. If I join the TRC, does it mean, I have invested like 497PHP or I have to invite somebody to join TRC to earn a commission. As I understand, I have to invest personally with the guidance of TRC.
You have to invest personally. That means you need to open a stock broker account, then buy stocks recommended by TRC.
Since you are already 73 years old, I would strongly advise that you consider putting 70% of your income/savings to low-risk fixed income instruments like money market funds or retail treasury bonds. 20% invested in low-risk dividend paying stocks and 10% in a savings account.
For example, if you managed to save 10k pesos this month, then buy 7k pesos of bonds/money market funds and buy 2k pesos worth of stocks and 1k savings.
The reason behind it is liquidity and risk aversion. At your age, the most important thing right now is the safety of your invested capital while growing it at the same time.
Hi! If would like to terminate my membership, can I do that? How?
Contact their email support to request cancellation.
just wonder how my membership will start.
do I need to invest ever y month aside from monthly payment?
Yes.
how can i rest assured that this is true
You have to see it for yourself Marissa.
What broker are you using to buy/sell stocks? I want to invest but I only know COL Financial but Ive recently read a lot of issues about them kasi.
I use COL.
Hello,
Can I still join even if I don’t live in the Philippines and not a Filipino citizen? Thank you.
Yes.
Hi, Just want to clarify, if I join truly rich club, will be able to have access on where to buy legit stocks? Thanks. Hope you response. I am very interested in joining.
You’ll have access dun sa SAM table plus all the other content i.e. weekly webinars, stock updates, stock alerts, SAM table.
To buy the stocks recommended, TRC will also guide you how to open a stockbroker account from their recommended broker, COL Financial.
Hello,
What if I already have BPI Trade, can I use that instead, while being a TRC member (Not COL)?
Yes.
I availed the 1yr + 2mos subscription. Its almost 3days since i joined TLC. When can i actually get the term insurance? After a year?
You need to fill up the ‘insurance information’ in your ‘my profile’ inside the TRC dashboard.