ALAM MO BA?
...na ang Mutual Funds ay isa sa mga investments ng mga mayayaman.
...na pati ang SSS ay nag-iinvest dito.
mahigit P3B ang ininvest ng SSS sa mutual funds
Two (2) ways to invest in the Stock Market
DIRECT STOCK INVESTING
You are your own fund manager. You decide which stocks to buy or to sell.
Kung hindi mo naiintindihan how the stock market works, at wala kang oras to do research (or monitoring), baka malugi ka lang..
INDIRECT STOCK INVESTING thru MUTUAL FUNDS
A mutual fund is an investment company that pools money from different individuals or institutions. The fund manager monitors the markets, always with the intention to maximize the returns of the fund.
Kagaya sa stock market, ang binibili natin ay shares of the mutual fund company. When we buy shares of a mutual fund, we become co-Owners of the mutual fund company
Stock Market
If you want to own a business, pwede kang magsimula ng traditional business. Or pwede kang bumili ng shares ng mga kumpanyang listed sa Philippine Stock Exchange (PSE).
Thru the stock market, pwede kang maging co-Owner at Partner sa negosyo ni Jollibee, SM, Ayala, BPI, BDO, PLDT, Globe, Meralco, at marami pang iba.
BOTTOM LINE:
Kung wala kapang Time, Knowledge, Capital at medyo takot kapa dahil baka malugi ka sa Stock Market, ito ang nababagay para sa'yo... Ito ang tinatawag na Mutual Funds. Sa Mutual Funds ikaw ay “INDIRECT INVESTOR” dahil merong Professional Fund Manager(s) na mag-manage ng portfolio mo, hindi ikaw ang magde-decide kung anong mga companies ang bibilhin.
Ang Mutual Funds ay pinagsama-samang pera ng mga investors, kunwari yung P100,000 ko, P5,000 mo at P10,000 ng kaibigan mo pagsasamahin ng Fund Manager yan at dahil malaki ang budget, ibibili yan ng mga “Blue Chips” Companies like Jollibee, SM, Ayala, Globe, etc. Now, kapag kumita na ibabalik ito sa mga investors.
Kunwari kumita ang Mutual Fund Company ng 12%.
Ang kinita ng kaibigan mo sa P10,000 ay P1200 (P10,000 x 12%)
Ang kinita ko sa P100,000 ay P12,000 (P100,000 x 12%)
Ang kinita mo sa P5,000 ay P600 (P5,000 x 12%)
Mutual Funds is the best way to start investing in the Philippine Stock Market especially para sa mga Overseas Filipino Worker.
Advantage of Investing in Mutual Fund
1. Professionally Managed
Kung nag-sisimula ka palang sa pag-iinvest much better na ipaubaya muna natin ito sa mga experts (Professional Fund Managers) at kapag familiar kana sa sistema ng Stock Market dun kana mag-start ng direct investing. Kumbaga sa pampasaherong jeep, kung hindi ka pa marunong mag-drive, ipaubaya mo muna ito sa driver. Sumakay ka lang muna at makakarating ka ng safe sa pupuntahan mo.
2. Very Liquid
Meaning anytime pwede mong i-withdraw, some MF companies may mga charges pero kapag nalagpasan mo na ang holding period wala na itong charges. Parang bank lang din ang MF, ang pinagkaiba lang ay sa Bank madali mo siyang makuha sa thru ATM, unlike sa MF 3-7 days pa para ma-withdraw ang pera. So, wag na wag mong ilalagay lahat ng pera mo sa MF, make sure na may laman pa rin ang Savings Account in case of emergency.
3. Low Minimum Investment Requirement
For as low as P1,000 - P5,000 you can open ang account in MF (some MF companies requires P10,000 – P100,000 to open an account). Ma-swerte tayo sa panahon ngayon dahil mababa nalang ang investment requirement, unlike dati na kailangan mo talaga maglabas ng hundred thousands para makapag-open ng account sa MF. Sa panahon ngayon khit minimum wage earner, magbabalot, janitor, construction worker, etc. pwede na maging INVESTOR. At kung mag-iinvest ka monthly pwede ka mag-top up basta minimum of P1,000.
4. Very Transparent
Meron kang online portal para mamonitor mo and investment mo at May matatanggap ka din na SOA (Statement of Account) quarterly, dun nakalagay kung ilang shares na meron ka at magkano na total ng kinita ng pera mo. Since Shareholder ka ng MF Company, may karapatan kang umattend ng mga Shareholder’s Meeting, dun ididiscuss kung saan ba ininvest ang pera natin, ano ba naging performance this past few months or year. Sa Mutual Funds you’re a Shareholder or Stockholder of the Company.
5. Diversified
Yung P5,000 mo na yun ay mabibili agad ng minimum 10 BIG Companies (Blue Chip Companies) yan yung mga companies na matatagal na talaga. Hindi ka basta basta malulugi sa MF dahil DIVERSIFIED na siya, dahil khit malugi man ang 3 companies, Yung remaining 7 companies naman ay kumita, still kumita ka pa rin.
6. Enjoy forever Zero Sales Load or Entry Fee
Ibig sabihin nito ay walang kaltas ang pera mo. For example nag-open ka ng MF Account mo with 5,000 minimum initial investment. Kung Zero Load ang Mutual Funds mo buong buo yang 5,000 mo ay ibibili ng shares. Pero kung hindi yan Zero Load may ibinabawas na around 3% sa pera mo and every time na magdadagdag ka ng investment mo may 3% pa rin na ibabawas dito.
7. Gains/ Profits are Tax-Exempt
Kapag bumili tayo ng isang bagay merong tinatawag na sales tax/value added tax. Kapag nag-withdraw tayo sa savings account natin merong tinatawag na withholding tax at kahit na mamatay tayo meron pa ring tinatawag na estate tax. Pero sa Mutual Funds, walang tax. Kung ang money mo sa MF ay P100,000 at nagwithdraw ka, buong-buo walang labis, walang kulang P100,000 pesos pa rin yan.
8. Potentially Higher Returns
Dahil ito ay pooled and managed as single investment portfolio, it is able to take advantage sa mga iba't ibang situation ng ekonomiya. pag bagsak ang market mas madami mabibiling shares ang mutual fund na magbibigay sa atin ng mas mataas na balik.
What is NAVPS?
NAVPS (Net Asset Value Per Share) is the value of one share of a mutual fund. This is computed by dividing net assets by the number of shares held by an investor. Fund managers buy and sell shares in a mutual fund according to the NAVPS, which changes every business day depending on the market value of the assets of the fund. If the NAVPS of the mutual fund you are invested increases or appreciates, you can sell your mutual fund shares for a profit. In the same way, if the NAVPS of the mutual fund you are invested decreases or depreciates, you may realize a loss if you redeem.
For example, kapag bumili ka nang isang kilong bigas worth 1,000 pesos sa isang supplier tapos naibenta mo ito nang 1,500 pesos sa iyong tindahan ang kinita or PROFIT mo ay 500 pesos (Vice Versa) Kailangan mo lang antayin umangat muli ang NAVPS nang iyong mutual fund porfolio para hindi ka malugi, ang tawag dito ay "Paperloss" lamang. Kapag ikaw ay nagbenta nang iyong shares na bagsak ang stock market "Profit Loss" na ang tawag doon.
Like any other investment instrument, mutual funds are best held long-term especially for mutual funds that have investment objectives of capital growth such as equity funds.
SOME OF THE TOP PERFORMING MUTUAL FUNDS COMPANIES IN THE PHILIPPINES
1. Soldivo Funds
2. Philequity Management
3. ATR Asset Management
4. First Metro Asset Management
5. Sunlife Asset Management
6. Philam Asset Management
This is a very EXCITING TIME TO INVEST!
532% Rate of Return in 15 years!
Pero dahil sa concerns dulot ng Covid-19 (which is TEMPORARY), bumaba ang presyo ng stocks at mutual fund shares.
Cause for panic ba ito, o isa itong NAPAKALAKING OPPORTUNITY to BUY more DISCOUNTED Shares?
Anong ginagawa nila ni Mrs. And Mr. Lorenzo since February?
Nagpa-PANIC BUYING kami...... sa stocks at mutual funds dahil may 30 to 40% discount!!!
Tandaan, "every Crisis is ALWAYS followed by a Recovery." #InvestPaMore
HOW TO OPEN A MUTUAL FUND ACCOUNT?
You should know when you will invest your hard-earned Money! Put a deadline on it.
According to sir Rex Mendoza, the President and CEO of Rampver Financials, "Goals without DEADLINE are just DREAMS."
Dito mo malalaman kung magkano ang projected value ng investment mo sa Mutual Funds or Stock Market.
Monthly Savings:
Ito yung kaya mong ipunin every month, sa picture ay may nakalagay na example: 1,000 pesos hanggang sa 10,000 pesos.
Number of Saving Years:
Makikita sa picture kung magkano ang projected value nito after 5, 10, 13, 15, 20, 25, 30. The longer you save and invest, mas malaki ang return nito. Sa pag-iinvest napaka-importante ang longterm at consistency.
Annual Interest:
Depende ito sa paglalagyan ng Mutual Fund account mo, sa picture ay:
4% - Madalas ito ay mga pang short-term goal yung tipong 1-3 years ay kukuhanin mo na ang investment mo.
8% - Kung ikaw ay yung tipong investor na sakto lang ang risk appetite, dito mo ilagay ang funds mo. Atleast 5 years of investing para maramdaman mo ang return nito.
12% and above - Ito ay fund na talagang risky, kung ikaw ay long-term mag-isip, yung tipong pang College Education ng anak, Pambili ng House and Lot, Travel. Retirement Money, dito mo ilagay ang fund mo. I recommend to invest sa ganitong klase ng fund kung ang goal mo ay 5 years pataas.
Go directly to the offices of the mutual fund companies
Saan ba iyon?
Sa Makati, Ortigas, at Taguig.
Oh, by the way, 'di ko pa pala nasabi. When you invest in mutual funds, may entry fee or sales load (2% to 3.5%) na ikakaltas sa bawat investment mo.
That's P2,000 - P3,500 fee for every P100,000,
or P20,000 - P35,000 per P1,000,000 investment.
You can Enroll as an IMG Member
One of the 28 membership benefits sa IMG o International Marketing Group ay may ACCESS ka sa Mutual Fund investing, both Online and Offline
+
Unlimited Access to Investment Seminars
+
ZERO LOAD sa mutual fund investments mo.
+
P1,000 IMG SOLDIVO FUND included in your membership
IMG TOP 28 BENEFITS
✓ Financial Education
✓ Free Financial Checkup
✓ Access to Financial Services
✓ Freebies and Discounts
✓ Mutual Fund Investments
✓ Freelance Business
✓ and many more...