Complete SDA Layered Accumulation & Exit Ladders for Three Portfolios

Board Lot Warrior › Subok Series › Portfolio Systems Update

Ngayon na fully developed na natin ang tatlong magkakaibang SDA frameworks—Halal Core Growth, REITs & Dividend Stocks, at Ethical Turnaround Picks—panahon na para i-present ang pinaka-importanteng bahagi ng buong sistema: ang Layered Accumulation Plans at 10-Phase Exit Ladders.
Ito ang mechanical, emotion-free, Board Lot Warrior way of building and exiting positions across completely different types of stocks.

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NILALAMAN

1️⃣ Bakit Kailangan ng Iba’t Ibang SDA Ladders
2️⃣ Halal Core Growth Portfolio — Consumer Variant
3️⃣ REITs & Dividend Stocks Portfolio — SDA–IV Income Variant
4️⃣ Ethical Turnaround Picks Portfolio — Turnaround Variant
5️⃣ How These Ladders Work Together
6️⃣ Final Notes on Discipline & Execution
7️⃣ Insert: Full Tables (Accumulation + Exit)

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1️⃣ Bakit Kailangan ng Iba’t Ibang SDA Ladders

Hindi pare-pareho ang galaw ng bawat sektor sa stock market.

• Ang consumer stocks ay may stable, predictable cycles.

• Ang REITs ay mabagal, makipot ang range, pero mataas ang dividends.

• Ang turnaround stocks naman ay malalim ang bagsak, pero malakas din ang rebound.

If you apply one single strategy to all these different types of stocks, mauuwi ka sa:
❌ Missed opportunities
❌ Late exits
❌ Overbuying
❌ Underbuying
❌ Emotional decision-making

Kaya natin ginawa ang tatlong first-principles SDA frameworks—each designed for the true nature of the asset class.

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2️⃣ HALAL CORE GROWTH PORTFOLIO

(MONDE, URC, RFM, WLCON)

SDA Consumer Variant — Designed for Predictable Cycles

Consumer stocks move in natural pullback-and-recovery rhythms, not violent spikes.
This makes them ideal for the classic SDA UPL-Based Ladder, where you accumulate only when the market gives you real discounts and exit into measured strength.

• Accumulation is based on –5% to –50% Unrealized Profit (Loss) or  UPL levels

• Exits are based on +8% to +35% profit waves

This structure preserves growth exposure while still locking in gains at sensible intervals.

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3️⃣ REITs & DIVIDEND STOCKS PORTFOLIO

(CREIT, DDMPR, MREIT, RCR)

SDA–IV Income Variant — Designed for Yield, Not Volatility

REITs do not behave like stocks—they behave like income instruments.

Madalas, maliit lang ang price movement.
Pero malaki ang quarterly dividends.

Kaya ang SDA–IV ay hindi naka-base sa price swings.
Naka-base ito sa Dividend Yield movement.

• Accumulation happens only when yield improves 0.40%–0.50% per layer

• Exits use the Dividend Yield Multiplier (DYM Rule)
  Which is: Sell when UPL reaches (Dividend Yield × Multiplier)

Ito ang pinaka-realistic, pinaka-logical, at pinaka-disciplined exit system para sa REITs.

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4️⃣ ETHICAL TURNAROUND PICKS PORTFOLIO

(DMC, SCC, PCOR)

Turnaround Variant — Built for Deep Cycles and Explosive Rebounds

Turnaround stocks are not normal stocks.
They go through:

• Harsh downcycles (–30% to –60%)

• Violent recoveries (+25%, +40%, +60%, +100%)

We must accumulate carefully and deeply, and exit slowly and intelligently.

• Accumulation ladder begins at –8% and extends to –60%

• Exit ladder spans +10% to +75%

The logic:
You buy during difficult cycles and sell into powerful recoveries.

This is the strategic heart of turnaround investing.

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5️⃣ How These Ladders Work Together

Across our entire Micro Stock Trader ecosystem:

• Halal Core = steady compounding, predictable cycles

• REITs & Dividends = stable income and controlled yield-based exits

• Ethical Turnaround = big reward for disciplined patience during downturns

All three ladders form our complete SDA system, fully diversified by:

• Behavior

• Volatility

• Even by Shariah compliance

• And by capital role (growth, income, opportunistic cycle recovery)

This is the mature, mechanical, rule-driven version of the Board Lot Warrior identity.

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6️⃣ Final Notes on Discipline & Execution

At the end of the day, ang tunay na kalaban ay hindi ang market—
kundi ang sarili nating pagka-emosyonal sa harap ng gains, losses, at noise.

These ladders force us to:

✔ Buy only when rules say buy
✔ Sell only when rules say sell
✔ Trust the cycle
✔ Remove emotion
✔ Stay halal
✔ Stay mechanical
✔ Stay disciplined

There is no guessing.
No predicting.
No chasing.
Just rules and implementation.

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7️⃣ Full SDA Tables & Exit Ladders

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A. HALAL CORE GROWTH PORTFOLIO

• (MONDE, URC, RFM, WLCON)

• Halal Core Growth Portfolio – Accumulation & Exit Ladders

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SDA LAYERED ACCUMULATION PLAN — Consumer Variant (10 Layers)

The Halal Core Growth Portfolio focuses on consumer-driven companies whose earnings improve as the Philippine economy strengthens. These stocks move in predictable cycles of pullbacks and recoveries, making them ideal for the classic SDA (Strategic Deep Averaging) approach.

Consumer names rarely crash straight downward like commodity stocks, but they do experience steady retracements of –5% to –25% before resuming an upward trend. The SDA Consumer Variant therefore uses UPL-based triggers, designed to accumulate more shares only when market weakness gives us genuinely better prices — without chasing, without guessing, and without emotional averaging.

This plan keeps accumulation mechanical, halal-compliant, disciplined, and trend-aligned, allowing us to scale into positions safely while protecting capital.

SDA Layered Accumulation Ladder
Buy 1 board lot every time price hits the computed discount from Anchor Price.
Layer #	Accumulation Trigger	Computed Price Level (Use Your Anchor)
Layer 1	Anchor Buy	Anchor Price × 1.00
Layer 2	–5%	Anchor Price × 0.95
Layer 3	–10%	Anchor Price × 0.90
Layer 4	–15%	Anchor Price × 0.85
Layer 5	–20%	Anchor Price × 0.80
Layer 6	–25%	Anchor Price × 0.75
Layer 7	–30%	Anchor Price × 0.70
Layer 8	–35%	Anchor Price × 0.65
Layer 9	–40%	Anchor Price × 0.60
Layer 10	–45%	Anchor Price × 0.55
Layer 11	–50%	Anchor Price × 0.50

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10-PHASE EXIT LADDER — Consumer Variant (10 Layers)

The Halal Core Growth Portfolio is built on consumer-focused companies whose price movements follow predictable demand cycles, earnings seasonality, and long-term consumption trends. These stocks do not behave like REITs nor like high-volatility turnaround plays. Instead, consumer names typically recover in smooth, multi-step rallies rather than violent spikes.

Because of this stable but dynamic behavior, their Exit Ladder must be structured, reasonable, trend-friendly, and momentum-aware. Each exit phase triggers at a measured percentage level that reflects the natural rhythm of consumer stock cycles, where rallies of 8% to 30% are common and part of healthy upward momentum.

The 10-Phase Exit Ladder ensures we:

• Capture profits early

• Harvest gains progressively

• Preserve participation in extended uptrends

• Follow a disciplined, Shariah-aligned, mechanical exit plan

• Avoid emotional selling during temporary pullbacks

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Reasoning Behind the 10 Increments (Consumer Stocks)

The increments (+8%, +12%, +15%, +18%, +20%, +22%, +25%, +28%, +30%, +35%) were chosen because:

1. Consumer stocks move in smooth rally legs, not sudden spikes.

2. They naturally hit +12% to +25% during stable uptrends.

3. +30% to +35% exits capture the final stretch of extended momentum.

4. The increments align with actual historical behavior of MONDE, URC, RFM, and WLCON.

5. The ladder allows controlled profit-taking without prematurely emptying the position.

This ladder is optimized for steady, reliable, long-term Halal growth stocks.

10-Phase Exit Ladder (Consumer Variant)
Sell 1 board lot every time price hits the computed gain from Anchor Price.
Exit Phase	Exit Trigger	Computed Price Level (Use Your Anchor)
Phase 1	8%	Anchor Price × 1.08
Phase 2	12%	Anchor Price × 1.12
Phase 3	15%	Anchor Price × 1.15
Phase 4	18%	Anchor Price × 1.18
Phase 5	20%	Anchor Price × 1.20
Phase 6	22%	Anchor Price × 1.22
Phase 7	25%	Anchor Price × 1.25
Phase 8	28%	Anchor Price × 1.28
Phase 9	30%	Anchor Price × 1.30
Phase 10	35%	Anchor Price × 1.35

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B. REITs & DIVIDEND STOCKS PORTFOLIO

(CREIT, DDMPR, MREIT, RCR)

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SDA–IV LAYERED ACCUMULATION PLAN — Income Variant (10 Layers)

Income assets such as REITs do not behave like consumer or industrial stocks.
Their price action is slow, compressed, and stable, with trading ranges often less than 10% per year. Their “volatility” comes not from price, but from yield shifts based on small price changes.

Because of this, we adopt SDA–IV, our income-based variant of the SDA system. SDA–IV replaces UPL triggers with Dividend Yield Ladders, allowing accumulation only when the effective yield improves and the stock becomes a better income generator.

This ensures that every layer increases our yield on cost, improves long-term income, and keeps accumulation synchronized with the true engine of REIT returns: dividends.

SDA-IV Layered Accumulation Ladder
Income Variant (Dividend Yield-Based)
Buy 1 board lot every time the yield improves by 0.40%–0.50%.
Layer #	Accumulation Trigger	Computed Price Level (Use Anchor)
Layer 1	Anchor Buy	Anchor Price × 1.00
Layer 2	Yield ↑ by +0.40%	Anchor Price × Price_Shift(0.40% DY)
Layer 3	Yield ↑ by +0.80%	Anchor Price × Price_Shift(0.80% DY)
Layer 4	Yield ↑ by +1.20%	Anchor Price × Price_Shift(1.20% DY)
Layer 5	Yield ↑ by +1.60%	Anchor Price × Price_Shift(1.60% DY)
Layer 6	Yield ↑ by +2.10%	Anchor Price × Price_Shift(2.10% DY)
Layer 7	Yield ↑ by +2.60%	Anchor Price × Price_Shift(2.60% DY)
Layer 8	Yield ↑ by +3.10%	Anchor Price × Price_Shift(3.10% DY)
Layer 9	Yield ↑ by +3.60%	Anchor Price × Price_Shift(3.60% DY)
Layer 10	Yield ↑ by +4.10%	Anchor Price × Price_Shift(4.10% DY)

Notes:

• This results in a 10-step downward ladder of progressively better yield.

• Actual price gaps vary per REIT but are usually 1–3 centavos per layer.

• The system keeps you disciplined without forcing buys in stagnant markets.

• Every layer meaningfully increases your long-term cashflow.

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10-Phase Exit Ladder (Income Assets)

The REITs & Dividend Stocks Portfolio operates under a fundamentally different logic: income comes first. These assets move in tight price ranges, deliver high quarterly dividends, and behave like yield instruments, not like trending or high-volatility stocks.

For this reason, the exit ladder must be based on Dividend Yield behavior, not traditional price swings. The Dividend Yield Multiplier Rule (DYM Rule) determines each exit phase, ensuring that selling happens only when price growth meaningfully exceeds dividend yield — a natural “income + capital appreciation synergy.”

The 10-Phase Exit Ladder for REITs is built for slow-moving, income-driven instruments, allowing us to:

• Capture profits realistically

• Align exit levels to yield conditions

• Avoid over-holding during high-yield stagnation

• Maintain a rule-based and mechanical exit strategy

• Stay fully compliant with systematic income investing logic

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Reasoning Behind the 10 Increments (REITs & Dividend Stocks)

The increments (11%, 13%, 15.5%, 17.7%, 19.9%, 22%, 24.3%, 26.5%, 28.8%, 31%) were selected because:

1. REITs rarely hit extreme rallies typical in consumer or industrial stocks.

2. Price appreciation of 10–30% already represents a full-year market cycle.

3. Multipliers of 1.25× to 3.50× applied to dividend yield produce realistic, achievable exit points.

4. The ladder ties exits to yield multiples, ensuring you sell only when price exceeds what the yield alone would deliver.

5. This combination delivers a disciplined long-term exit structure for slow, yield-focused assets.

This ladder is optimized for income-first assets where capital gains are smaller but steady.

DYM Exit Ladder (10 Phases)
Dividend Yield Multiplier Exit Rule
Sell 1 board lot every time UPL reaches (Dividend Yield × Multiplier).
Exit Phase	Exit Trigger	Computed Price Level (Use Anchor)
Phase 1	Y × 1.25	Anchor Price × (1 + Y×1.25)
Phase 2	Y × 1.50	Anchor Price × (1 + Y×1.50)
Phase 3	Y × 1.75	Anchor Price × (1 + Y×1.75)
Phase 4	Y × 2.00	Anchor Price × (1 + Y×2.00)
Phase 5	Y × 2.25	Anchor Price × (1 + Y×2.25)
Phase 6	Y × 2.50	Anchor Price × (1 + Y×2.50)
Phase 7	Y × 2.75	Anchor Price × (1 + Y×2.75)
Phase 8	Y × 3.00	Anchor Price × (1 + Y×3.00)
Phase 9	Y × 3.25	Anchor Price × (1 + Y×3.25)
Phase 10	Y × 3.50	Anchor Price × (1 + Y×3.50)
Example (for 8.85% yield):
Phase 1 = Anchor × (1 + 0.1106)
Phase 10 = Anchor × (1 + 0.3098)

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C. ETHICAL TURNAROUND PICKS PORTFOLIO

• (DMC, SCC, PCOR)

• Ethical Turnaround Picks – Accumulation & Exit Ladders

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SDA LAYERED ACCUMULATION PLAN — Turnaround Variant (10 Layers)

Turnaround stocks experience extreme market cycles. They can drop –30% to –60% during downturns and later rebound with +30% to +100% recovery waves. Because of this, they require a deeper, wider, and more resilient SDA plan.

These companies face cyclical headwinds (oil pricing, coal demand, power consumption, cost cycles), making their declines steeper than consumer stocks and their rebounds more aggressive. Therefore, the Turnaround Variant of the SDA system uses a wider accumulation ladder, preparing for deep cycles while positioning you for massive upside on recovery.

This system ensures disciplined accumulation without panic buying, while protecting the portfolio from overexposure during sharp drawdowns.

Turnaround SDA Accumulation Ladder
Buy 1 board lot every time UPL hits deep-cycle triggers.
Layer #	Accumulation Trigger	Computed Price Level (Use Anchor)
Layer 1	Anchor Buy	Anchor Price × 1.00
Layer 2	–8%	Anchor Price × 0.92
Layer 3	–12%	Anchor Price × 0.88
Layer 4	–16%	Anchor Price × 0.84
Layer 5	–20%	Anchor Price × 0.80
Layer 6	–25%	Anchor Price × 0.75
Layer 7	–30%	Anchor Price × 0.70
Layer 8	–35%	Anchor Price × 0.65
Layer 9	–40%	Anchor Price × 0.60
Layer 10	–50%	Anchor Price × 0.50
Layer 11	–60%	Anchor Price × 0.40

Notes:

• Turnaround names frequently hit –20% to –40% during their basing cycles.

• This ladder is designed for deep, multi-year accumulation, not shallow pullbacks.

• The –50% to –60% layers are rarely reached, but are included for cycle-complete positioning.

• This system prepares us for the violent upcycles typical of SCC, DMC, and PCOR.

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10-Phase Exit Ladder (Turnaround Stocks)

The Ethical Turnaround Picks Portfolio is composed of cyclical, commodity-driven, and industrial stocks that undergo deep downturns followed by explosive recoveries. SCC, DMC, and PCOR move not in smooth rallies but in violent, sentiment-heavy surges triggered by global coal prices, oil price cycles, power demand, infrastructure cycles, and broader macroeconomic recovery.

Because these stocks can remain depressed for long periods and then suddenly spike +30%, +50%, +70%, even +100%, the exit ladder must be wide enough to capture big waves without over-selling early. The goal is to ride the full recovery cycle while harvesting gains systematically as momentum accelerates.

The 10-Phase Exit Ladder ensures we:

• Secure profits early in the recovery

• Capture major upcycle bursts

• Maximize gains during commodity-driven super-rallies

• Maintain exposure for extended cycles

• Sell mechanically without fear or greed

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Reasoning Behind the 10 Increments (Ethical Turnaround Picks)

The increments (+10%, +15%, +20%, +25%, +30%, +35%, +40%, +50%, +60%, +75%) are based on:

1. Turnaround stocks experience large, irregular upswings due to macro factors.

2. They commonly hit +20% to +40% during reaction rallies.

3. +50% to +75% targets represent full commodity cycle recoveries.

4. A wide ladder prevents premature liquidation during early recovery stages.

5. The increments reflect actual historical behavior of SCC (coal), DMC (conglomerate), and PCOR (oil refiner).

This ladder is designed for deep downturn → explosive recovery stocks where upside potential is extremely asymmetric.

Turnaround SDA Exit Ladder
Sell 1 board lot every time UPL hits cycle-based targets.
Exit Phase	Exit Trigger	Computed Price Level (Use Anchor)
Phase 1	0.1	Anchor Price × 1.10
Phase 2	0.15	Anchor Price × 1.15
Phase 3	0.2	Anchor Price × 1.20
Phase 4	0.25	Anchor Price × 1.25
Phase 5	0.3	Anchor Price × 1.30
Phase 6	0.35	Anchor Price × 1.35
Phase 7	0.4	Anchor Price × 1.40
Phase 8	0.5	Anchor Price × 1.50
Phase 9	0.6	Anchor Price × 1.60
Phase 10	0.75	Anchor Price × 1.75

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📌 Important Update: Shariah Compliance Status (As of November 26, 2025)

This note will remain in all Micro Stock Trader posts until further official guidance is released.

The Philippine Stock Exchange (PSE), through its Corporate Communications Office, has formally confirmed that the entire Shariah initiative has been temporarily paused. According to the PSE’s official email reply, the Exchange is currently conducting a thorough evaluation of the program’s impact, and no updated list of Shariah-compliant securities will be released until this internal review is completed.

As a result:

• The last officially recognized Shariah-compliant list remains the most recent published roster before the pause.

• All halal-based strategies within the Micro Stock Trader ecosystem—including the Halal Core Growth Portfolio, Ethical Turnaround Picks, and all Shariah-filtered investment frameworks—will continue to operate under a conservative, self-screened approach using:

  • business activity screens,

  • financial ratio filters, and

  • publicly available Shariah guidance from global Islamic indices.

• We will maintain extra caution and transparency in labeling any stock as halal-friendly during this pause.

This update serves as an ongoing advisory to the community. Once the PSE resumes official Shariah screening or publishes new guidance, this note will be updated or removed accordingly, in shā’ Allāh.

• Micro Stock Trader: 2024 List of Shariah-Compliant Stocks at PSE – As of December 25, 2024

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Disclaimer: This post is for informational purposes only and should not be considered financial advice. Always do your own research before making any trading decisions.

Paalala lang: Ang post na ito ay para sa informational purposes only at hindi dapat ituring na financial advice. Laging siguraduhing gumawa ng sarili mong research bago pumasok sa kahit anong trade o investment

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