DO YOU WANT TO INVEST IN MUTUAL FUNDS?
LEARN HOW MONEY WORKS
SAVINGS
You're just making your money SECURE putting aside as a reserve.
INVESTMENT
You're making you money GROW commit in order to earn financial return.
Rule of 72
THE MOST IMPORTANT AND SIMPLE RULE TO FINANCIAL SUCCESS.
The rule of 72 is a shortcut to estimate the number of years required to double your money at a given annual rate of return. The rule states that you divide the rate, expressed as a percentage into 72.
If annual rate is 12%
72 divided by 12 equals 6
Which means that if your money is earning 12% every year, it will double every 6 years.
If annual rate is 1%
72 divided by 1 equals 72
Which means that if your money is earning 1% every year, it will double every 72 years.
INTEREST is therefore an important factor in growing your money.
Ang tanong ... most of pinoys saang financial instrument/vehicle naglalagay ng pera? SAVINGS ACCOUNT ba? Time Deposit o Coop? at what PERCENT?
We have 7 Trillion pesos in Savings & Time Deposit earning less than 1% . Ibig sabihin, marami pang hindi na e educate about investing.
COMPOUNDING INTEREST is the eight wonder in the world. He who understand it earns it. He who doest pays it. --- Albert Einstein
May We put our money in the bank because for us, it is safer or more secure. But, what does the bank do to our money?
1. Lend to people (loan)
2. Place in investment vehicles like Mutual Funds
Mutual fund companies give the banks an average 12% annually and if banks give us 1% annually, where is the 11% now? in the banks. So, instead of putting all our money in the bank, why not invest some of it and go directly to Stock Market/Mutual Funds or other investment vehicles that give a higher rate of return?
Banks are good for business transactions and emergency funds but not good for long-term investment especially if your purpose is for retirement, kids education, travel fund, business fund and future medical expenses.
P.S. You can start investing in Mutual Funds for just Php. 1,000.00 or 5,000.00 Only. Depending on the mutual fund company.
Minimum additional investment is Php 1,000.00 (monthly additional investment is not required but is recommended especially for long term investors)
"Invest Your Time First in Financial Education Before Investing Your Hard Earned Money"
If you want to learn more how to SAVE and INVEST Correctly, you can register in our FREE Financial Coaching and Investment Class in Makati.
Look for: May Anne V Castro
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While Jollibee Food Corporation is busy sa pag hahanap ng bagong location ng jollibee store alam mo ba na there's 3 Ways To Become A Business Partner, Co-Owner & Investor in Jollibee Food Corporation (JFC)RLorem ipsum dolor sit amet, consectetur adipiscing elit.
1. FRANCHISE!
How Much Money Do We need? Initially you will be needing Php. 30 – 40 Million. Kung wala tayong Php. 30 – 40 Million ngayon sa bank account natin, huwag na natin pag usapan ang iba pang detalye ng pag Franchise ng Jollibee.
2. DIRECT STOCK MARKET!
How Much Money Do We Need? You can Open a Stock Market Account at Php 10,000.00 and Buy Shares of Stocks of Jollibee Food Corporation (JFC) @ Php. 243.80 per share. Pero Hindi ka makakabili ng isang share lang, minimum 10. So kung may 10,000.00 ka, makakabili ka ng almost 40 shares of Stocks ni Jollibee. Pwede ka bumili ulit para madagdagan ang share mo sa Jollibee, say another Php. 10,000.00, kung nasa 243.80 per share parin ang price meron ka ulit 40 shares of Stocks ni Jollibee. Co-owner ka na ng Jollibee!
3. MUTUAL FUNDS! (Indirect Stock Market)
How Much Money Do We Need? You can open a Mutual Funds Account for Php. 1,000.00 Or 5,000.00 Only depending on what mutual fund company. Unlike sa Direct Stock Market kung saan ang Php. 10,000.00 mo nasa 40 shares of stocks lang ni Jollibee ang mabibili mo, sa Mutual Funds ang 1,000.00 ay makakabili na ng iba ibang share of stocks kung saan magiging part owner ka narin. Halimbawa, ng invest ka sa Mutual Fund na nag invest sa Jollibee, BDO, PLDT, BPI, SMDC, Cebu Pacific, Ayala Land, Philippine Airlines atbp. Pwede ka ulit bumili ng share of stocks, magdagdag ka lang ulit ng funds mo sa Mutual Funds account mo, minimum additional investment is Php. 1,000.00 para madagdagan ulit ang share of stocks mo sa iba ibang company. Sa Mutual Funds Co-Owner ka ng malalaking company kung saan ininvest ni Mutual Fund Company ang pera mo.
Benefits of Investing in Mutual Funds
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.
“MUTUAL FUNDS” (Indirect Investing in the Stock Market)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 MF Company ng 5%.
Ang kinita ko sa P100,000 ay P5,000 (P100,000 x 5%)
Ang kinita mo sa P5,000 ay P250 (P5,000 x 5%)
Ang kinita ng kaibigan mo sa P10,000 ay P500 (P10,000 x 5%)
For me Mutual Funds is the best way to start investing sa Stock Market dahil:
1.) It is 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.) It is 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.) It has a 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.) It is 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 let’s say si PLDT, Meralco, BDO. Yung remaining 7 companies naman ay kumita, still kumita ka pa rin.
5.) It is Very Transparent – may matatanggap kang 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.
6.) The Gains 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.
7.) Zero Load - 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.
Kung gusto mo Zero Load ang Mutual Fund Investment mo you can join in IMG (International Marketing Group, Inc). They have a lot of benefits, isa lang yang Zero Load sa mga benefits. For the list of benefits, you can check it here:
IMG BENEFITS
Address: King's Court Building 1, 9th Floor I 2129, Chino Roces Ave, Makati, 1200 Metro ManilaLook for Ms. May Anne V Castro
Are you interested in any of the following benefits? https://229761ph.imgcorp.com/
BE A MEMBER OF IMG TO ENJOY THE ZERO LOAD BENEFIT
MUTUAL FUND
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QUESTION;
Paano ba matiyak na ang investments sa IMG ay tiyak na tunay, kumikita at tumutulong sa tao?
Paano ba malaman na hindi lulubog ang mga taong bumili?
Answer:
Unang una, hindi tayo nag-i-invest sa IMG. Ang IMG ay broker lamang, at ang investment ay nasa partner companies.
Halimbawa ang investment sa anim na partner na mutual fund companies. Ang bawat mutual fund ay pag-aari ng investors, at may:
-- professional management
-- accessible at affordable
-- may asset allocation at diversification
-- maaring gumamit ng money cost averaging
-- may liquidity at ang earnings ay tax-free
-- may full transparency pa!
Paano mo naman ma-check ang iyong investment at masisiguro na tama ang pangako ng mutual fund company sa kanyang shareholders (investors)?
-- ang mutual fund ay mamo-monitor online araw araw ang presyo o Net Asset Value Per Share (NAVPS)
-- maaaring mag-download nd fund prospectus para malaman ang investing strategy, at
-- maaaring mag-download ng fund fact sheets para malaman ang actual perfomance.
Anong mga investment partners ito?
1. Soldivo Funds are investment vehicles of choice for investors who seek diversified, well-managed funds that can fulfill life’s dreams. For investors who are committed to disciplined execution, Soldivo Funds are basic components in an investment portfolio geared for growth.
See: https://rampver.com/offer/soldivo-funds/
2. Philam Asset Management Inc.or PAMI knows that people have different life goals and they need the right partner who will help them take advantage of investing opportunities. We are committed to helping people achieve their dreams by investing wisely, and we understand that what’s suitable for one, may not be for another. This is why we offer a wide range of mutual funds to cater to different investor profiles, from the conservative all the way to the most aggressive.
See: https://rampver.com/offer/philam-asset-management-inc/
3. Sun Life Asset Management Corp or SLAMC is the fund manager and principal distributor of the biggest family of mutual funds in the country – the Sun Life Prosperity Funds. The company is the first in the industry to have an accounting system that adequately complied with the standards set by the International Accounting Standards (IAS). SLAMC benefits greatly from the expertise of its mother company’s close association with MFS Investment Management – the inventor of mutual funds in the U.S.
As a multinational organization, we are committed to conducting our business with fairness and integrity, a commitment that is based on a fundamental belief in law and honesty.
See: https://rampver.com/offer/sun-life-asset-management/
4. The ATR Asset Management (ATRAM or ATRAM Group) operates through ATR Asset Management, Inc. (ATRAM MF) and the ATRAM Trust Corporation (Formerly Maybank ATR Kim Eng Capital Partners, Inc. – Trust). In 2009, the ATRAM Group decided to expand its presence in the fast growing domestic asset management industry by forming a dedicated business group called ATR Asset Management (ATRAM or ATRAM Group).
ATRAM MF is currently the investment manager for seven (7) mutual funds registered with the Securities and Exchange Commission (SEC).
See https://rampver.com/offer/atr-asset-management/
5. First Metro Asset Management, Inc. (FAMI) was established by First Metro Investment Corporation (FMIC) in partnership with the Catholic Educational Association of the Philippines (CEAP) and Marist Brothers Foundation to engage in the mutual fund business, promote savings mobilization and advocate investment literacy among Filipinos.
See https://rampver.com/offer/first-metro-asset-management/
6. PhilEquity Management, Inc. or PEMI is proud to be the investment manager and principal distributor of the leading mutual funds in the Philippines. Our funds have been recognized year after year by the Philippine Investment Funds Association (PIFA) for their excellent returns. Our flagship Philequity Fund, Inc. is the country’s best performing equity mutual fund and has been awarded by PIFA as the best performing equity fund in the 10-year category each year since 2006.
See: https://rampver.com/offer/philequity-management/
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Karamihan ng materials, nakuha sa https://rampver.com/mutual-funds/
Are you interested in Mutual Fund?
CLICK HERE: https://229761ph.imgcorp.com/
BE A MEMBER OF IMG TO ENJOY THE ZERO LOAD BENEFIT
