Financial Literacy Advocate
Mutual Fund: A Better Way to Invest
Ano nga ba ang Mutual Fund?
Bakit naging better way to invest ito? Paano nga ba kikita ang pera mo sa mutual fund?
Alam mo ba na ang mutual fund ay sekreto ng mayayaman? At madalas dito din naglalagay ng investment ang mga bangko. At alam mo ba na maging ang SSS ay nag-invest ng P3B sa mutual fund?
So ano nga ba si mutual fund?
Ang Mutual Fund ay pinagsama-samang fund o pera (pool of money) ng mga investors, na ini-invest sa stocks o PSE Philippine Stock Exchange, sa government bonds, at iba pang market funds. Ito ay isang paraan para mapalaki at mapalago ang ating pera. Ito ay isang klase ng "Investment Vehicle"
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 saang mga companies bibili ng shares kundi si Fund Manager.
Iipunin ni Fund Manager ang lahat ng pera ng mga investors (pool of money) at mamimili sya ng mga pinakamagagandang Companies upang bumili ng shares of stock.
Isang halimbawa, yung P100,000 ko, P5,000 mo at P10,000 ng kaibigan mo kasama ang pera ng ibang investors, 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.
Kung kumita ang MF Company ng 5%.
Ang kinita ng P100,000 ay P5,000
(P100,000 x 5%)
Ang kinita ng P5,000 ay P250
(P5,000 x 5%)
Ang kinita ng kaibigan mo sa P10,000 ay P500
(P10,000 x 5%)
Kaya pantay pantay ang kikitain ng bawat investor.
Kung wala kapang Time, Knowledge, Capital at medyo takot kapa dahil baka malugi ka sa Stock Market, ito ang nababagay para sa'yo.
SSS invests 3Billion pesos in mutual funds!
How Mutual Fund Work?
Para lubos mong maunawaan kung paano ang tamang pag-iinvest sa stock market at mutual fund, panoorin mo ang video ni CEO Dr. Jaime Lorenzo.
Tandaan, maraming paraan para mag-invest pero mutual fund is the best investment vehicle to grow up your money, so if ready ka na magsimula just Click the button below to start your mutual fund investment, and we recommend na magstart ka through IMG para maenjoy mo ang ZERO LOAD benefit.
Gusto mo ba na higit pang matutunan kung paano ka makapagsisimula ng pag iinvest sa Mutual Fund?
Pwede kang dumalo ng FREE FINANCIAL LITERACY SEMINAR sa pinakamalapit na IMG Financial Office. Please contact our Financial Advisor para maiguide ka, click the CONTACT FINANCIAL ADVISOR button.
if you want to learn more about Financial Literacy and Mutual Fund Investment, you can attend our free seminar. Please click MESSAGE ME on the lower right corner of this page so I can give you the schedule of the seminar.
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What are the advantages of Investing in Mutual Fund?
It is Professionally Manage
Professional Fund Managers managed the money invested by the investors. He knows well when and where to invest, he is expert in stock market.
Kung nag-sisimula ka palang sa pag-iinvest much better na ipaubaya mo muna ito sa mga experts at kapag familiar kana sa sistema ng Stock Market dun kana mag-start ng direct investing.
It is Very Liquid
Parang bank lang din ang MF, ang pinagkaiba lang 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.
It is Diversified
Hindi lang sa isang Company ibibili ng shares ang investment mo, kundi 10 big Companies. Spread out ang investment mo kaya mas malaki ang chance of gaining than losing.
Example yung P5,000 mo ay makabibili agad ng shares sa minimum na 10 BIG Companies (Blue Chip Companies) yan yung mga companies na matatagal na talaga. Hindi ka basta basta malulugi sa MF dahil DIVERSIFIED siya, kaya kahit malugi man ang 3 companies let’s say si PLDT, Meralco, BDO. Yung remaining 7 companies naman ay kumita, still kumita ka pa rin.
It has a Low Minimum Investment Requirement
For as low as P1,000 - P5,000 you can open an 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 P100Kpara makapag-open ng account sa MF. Sa panahon ngayon kahit 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.
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 ng mga investors, ano ba naging performance this past few months or year. Sa Mutual Funds you’re a Shareholder or Stockholder of the Company.
The Gains are Tax-Exempt
Ito ang isa sa napaka-gandang advantage ng Mutual Fund, FREE OF TAX ang gain ng investment mo.
Kapag bumili tayo ng isang bagay merong tinatawag na sales tax/value added tax. Maging ang sweldo mo na pinagpaguran mo, babawasan ng Income tax. Kapag nag-withdraw tayo sa savings account natin merong tinatawag na withholding tax at kahit na mamatay na 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.
Zero Load
This is for IMG members only
.
Ibig sabihin nito ay walang kaltas ang pera mo. For example nag-open ka ng MF Account mo with 5,000 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 ng zero load ang mutual fund investment, you can join in IMG (International Marketing Group). They have a lot of benefits, isa lang yang Zero Load sa mga benefits. And if nagpamember ka kay IMG automatic na magkakaroon ka ng Mutual Fund Account with Php1000 initial investment. Mag dadagdag ka na lang ng investment mo.
Safe and Secure
Mutual Funds are considered safe due to the level of scrutiny and involvement of the Philippine government. Their operations can only start after they get a special SEC license called secondary license.
All corporations get a primary license. It is a simple business permit where SEC confirms that it is a corporation. That’s just it. Companies who solicit investment from the public, such as mutual funds, need to get the secondary license as covered in Republic Act No. 8799.
Protection against Inflation
One of the easiest and simplest ways to keep pace with inflation (or beat it) is to invest in the mutual fund. The reason? All of these companies make money by selling products. If there is inflation, all of these companies will be able to sell their products for more (the rate of inflation). That typically yields a better profit (or one that’s on par with similar companies). Remember, inflation is only a bad thing for consumers who have to pay more. It’s almost a benefit to companies since they charge more.
Tandaan, maraming paraan para mag-invest pero mutual fund is the best investment vehicle to grow up your money, so if ready ka na magsimula just Click the button below to start your mutual fund investment, and we recommend na magstart ka through IMG para maenjoy mo ang ZERO LOAD benefit.
Gusto mo ba na higit pang matutunan kung paano ka makapagsisimula ng pag iinvest sa Mutual Fund?
Pwede kang dumalo ng FREE FINANCIAL LITERACY SEMINAR sa pinakamalapit na IMG Financial Office. Please contact our Financial Advisor para maiguide ka, click the CONTACT FINANCIAL ADVISOR button.