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USAPANG INVESTMENT
Paano nga ba mag-Invest?
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WHAT IS A MUTUAL FUND?
A Mutual Fund is essentially a company that collects money from different investors and then allocates them in a variety of investment options like stocks, bonds, money market instruments, and others. If you don't have enough knowledge, time and capital to invest in the stock market, Mutual Fund is one of the the best investment for you. You will be an indirect investor in the stock market because there are Professional Fund Managers who will manage your investment for you.
A mutual fund is a pool of money. Ibig sabihin, pinagsama-sama ang pera ng mga investor katulad natin . For example, meron kang P1000, ako naman any may P5000 at ang kaibigan mo ay may P100,000 . In total, P106,000 will be invested by the Fund Manager to buy "Blue Chip" companies in the stock market like Jollibee, Ayala, SM, URC, etc. Kapag kumita ang Mutual Fund, ibabalik ang interest sa mga investors.
Kapag kumita ang mutual fund company ng 10%, lahat ng investors ay kikita din ng 10%. Ikaw ay may kita na P100, ako ay may P500 at ang kaibigan mo ay P10,000.
BENEFITS OF INVESTING IN MUTUAL FUNDS
Mutual Fund being a managed fund, is a “great equalizer” in investments. The rate of return of those investing Php 5,000 is the same for those investing millions of pesos.
The returns are proportionate because each share in a mutual fund represents a unit of ownership, and each share in the fund earns the same amount.
Ibig sabihin, kung 20% ang kinita ng MF company this year, lahat tayo pare-parehong 20% din ang tubo, in proportion kung magkano ang ating perang ininvest.
PROFESSIONAL MANAGEMENT
May Full-time investment Expert na tumututok sa investments natin. Maliban sa kumain at matulog, trabaho niyang bantayan ang stock market o bond market.
So kahit busy tayo sa ating trabaho, careers, sa ating negosyo, o tayo’y nasa bakasyon, may Peace of Mind tayo na 'di hamak na mas magaling sa atin ang nagbabantay at nag-momonitor ng investments natin.
LOW CAPITAL REQUIREMENT
Mutual funds accommodate investors who do not have a sizeable amount of money to invest. You can start investing for as low as P1000 and minimum additional investment of P500.
Ibig sabihin, kahit minimum wage earner ay pwede na maging Investor.
DIVERSIFICATION
There is a saying that goes, “Do not put all your eggs in one basket.” A mutual fund company invests in 20 to 30 different companies in the stock market.
Kung direct stock market ka mag-iinvest, very limited ang mabibili ng P10,000 mo, or even 100,000.
Pero sa mutual fund, ang P1,000 mo ay automatic nakakalat sa iba't ibang kumpanya sa stock market. Malugi man ang dalawa, break-even ang lima, lumipad ang sampu, PANALO ka pa din!
LIQUIDITY
You can sell your shares ANYTIME. Within 3 – 7 banking days lang, makukuha mo na as Cash.
SAFETY
Mutual funds are highly regulated by the Securities and Exchange Commission (SEC) under the Investment Company Act and its implementing rules.
They are also regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.
POTENTIALLY HIGHER RETURNS
Ang P1,000 ko, o P100,000 mo ay "naka-angkas" sa bilyong pera ng mutual fund company. Dahil dito, nakaka-access ang pera natin sa mga potentially higher yielding investments na available lang sa mga big-time investors.
Sinisiguro din ng fund manager that the mutual fund generates the best possible returns for the given level of risk of the mutual fund.
TAX FREE
Gains realized by investors upon redemption of their shares in a mutual fund have been excluded from the definition of gross income effective January 1, 1998, and are, therefore, not subject to personal income tax stated in R.A. # 8424, otherwise known as the Tax Reform Act of 1997.
This benefit alone makes it more profitable investing in a mutual fund.
HOW CAN I START INVESTING IN MUTUAL FUNDS?
You have two (2) options on how you can start investing in Mutual Funds.
OPTION 1
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.
OPTION 2
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
Need assistance? Do you have any questions or clarifications?
Please do not hesitate to get in touch with us. We're more than happy to help you. Let's discuss!
ADDRESS
9th Flr Kings Court Bldg 1, Chino Roces Ave.,
Makati City, 2129 Philippines
PHONE / VIBER
+63 917 849 7253 / +63 917 794 5147
EMAIL
robertjsalonga@gmail.com
Robert Salonga
Senior Marketing Director, IMG
Founder, Wais Pinoy Investors
Mary Joy Salonga
Senior Marketing Director, IMG
Co-Founder, Wais Pinoy Investors