INVESTING IN MUTUAL FUNDS
Katulad ng karamihan, kala ko noon dapat at least nasa hundred of thousands ang meron ako para makapag-invest sa stocks directly or indirectly. Sa IMG pwede ka mag-invest sa stocks directly (MyTrade) or indirectly (mutual funds) for as little as P1,000!
How mutual funds work?
Nililikom ng mutual fund company ang pera ng investors para maka-buo ng malaking asset base na kinakatiwala at mina-manage ng grupo ng full time professional fund managers. Sila ang nagdedesisyon kung saang mga kumpanya iinvest ang pera natin at papaano ito mapapalago.
Sa pamamagitan ng mutal funds ang karaniwang tao ay nagkaka-opportunidad na makapag-invest ng kanyang hard-earned money sa kung saan usually nag-iinvest ang mga mayayaman. Samakatwid ang mutual ay isang great equalizer.
Pero as with any investment, mutual funds are not risk-free and returns are not guaranteed. Ngunit sa pamamagitan ng financial education (compounding interest) malalaman natin na kung long-term ang ating goals, mutual funds ang isa sa pinakamabisa na financial instruments para makamit ang mga ito.
Sa Mutual Fund, maituturing ka na part-owner ng kumpanya na pinag-iinvestan mo. Isa kang INVESTOR sa halip na saver lamang!
SHARES | OWNERSHIP
Ang perang iniinvest mo sa mutual fund ay kino-convert into shares. Ang conversion rate ay depende sa net asset value per share (NAVPS) during the transaction date. Mas mababang NAVPS, mas marami kang shares na mabibili. Owning shares means you "own" a portion of the company.
LONG-TERM
Karamihan sa mga nakakausap ko, di pa nga nagsisimula mag-invest ang tanong kaagad ay kailan pwede i-withdraw? Ang pag-iinvest sa mutual funds ay long-term dapat. Depending on your goals, I recommend at least a five-year timeframe.
MONEY COST AVERAGING TECHNIQUE
Kung mag-iinvest ba ako, ano mas effective isang bagsakan o maraming beses like monthly? Generally, considering that the market fluctuates and we want to invest long-term, it is often more recommended to invest gradually and consistently. This strategy is known as Money Cost Averaging Technique.
Since the stock market is volatile, there are three scenarios that can happen.
Whether the market is up or down, KEEP ON INVESTING! Time is more important than timing.
What are the types of mutual funds?
BOND / FIXED INCOME
Funds that invest in government securities.
Bagay ito sa mga investors na conservative o gustong mag -playsafe.
STOCKS / EQUITY
Funds that invest in a variety of stocks and equities.
Kung ikaw ay agressive at handa naman na di galawin ang pera mo in the next five years or more, itong klase ng mutual fund ang akma saiyo.
BALANCED
Combines profitability of equity investment and the stability of fixed income instruments.
Sa investors na in-between, di naman masyadong conservative pero di naman agressive, itong type ng mutual fund ang bagay sa kanila.
ADVANTAGES
PROFESSIONAL MANAGEMENT
There is a dedicated professional manager who provides investment expertise in researching, selecting, and monitoring the performance of the securities purchases.
DIVERSIFICATION
When you diversify, you lower your risk because you do not put all your eggs in one basket. The money will be spread among the different stocks, bonds, and other assets.
LIQUIDITY
You can get in or out quite easily. It means you can easily invest in mutual funds and you can easily withdraw your funds.
AFFORDABLE
The minimum required investment for some mutual funds could be as low as P1,000.
HOW TO EARN IN MUTUAL FUNDS?
INCOME
Income from stock dividends and bond interest
CAPITAL GAINS
Income from stock dividends and bond interest
NAVPS INCREASE
Income from stock dividends and bond interest
IMG Member's investment benefits
I want to invest in mutual funds without entry fees!
The Secret to Saving & Building Your Future
Does money control you? Or do you control money?
This book is for people who want to take charge of their future. You will discover that becoming your own financial educator and money manager is the first step toward a much better financial future.
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