Gusto mo bang mag-invest sa MUTUAL FUNDS?
When you understand how money works, you can make it work for you! Naitanong mo naba sa sarili mo bakit kaya ang mga mayayaman ay lalong yumayaman? Ito ang natutunan ko dito sa IMG, because meron silang na hindi alam ng karamihan and that is knowing how money works!
Mutual Fund Investments 101
Start learning how to accumulate income-generating assets and build multiple streams of passive income for the future. Invest in Mutual Funds today and begin your journey to financial freedom now!
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 Php100,000 ko, Php5,000 mo at Php10,000 ng kaibigan mo ay pag-sasamahin 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 ko sa Php100,000 ay Php12,000 (Php100,000 x 12%)Ang kinita mo sa Php5,000 ay Php600 (Php5,000 x 12%) Ang kinita namn ng kaibigan mo sa Php10,000 ay Php1,200 (Php10,000 x 12%).
Mutual Funds is the best way to start investing in the Philippine Stock Market for Beginners & especially para sa mga Overseas Filipinos dahil:
1. Ito ay 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. Ito ay 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 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. Ito ay mayroong 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 kahit minimum wage earner, magbabalot, janitor, construction worker, etc. pwede nang maging INVESTOR. At kung mag-iinvest ka monthly pwede ka mag-top up basta minimum of P1,000.
4. Ito ay 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.
5. Ito ay 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.
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.
BECOME A SHAREHOLDER NOW AND EARN PASSIVE INCOME
Be a member now of IMG and get FREE P1,000 worth of shares in SOLDIVO MUTUAL FUNDS.
THIS BOOK WILL UPGRADE YOUR FINANCIAL LIFE!
Does money control you? Or do you control money?
So many people are in debt. In rich and in poor countries, debt has become a way of life for many people throughout the world. We don’t have much, and we don’t know much. Nobody teaches us how to manage our money in school.
By becoming your own money manger, you’ll discover that it’s doable to understand, plan, and build a financial foundation for your family.
You can do it. You can control your future.
– Xuan Nguyen, World System Builder
