MUTUAL FUND

Alam mo ba?

..na ang Mutual Funds ay isa sa mga investments ng mga mayayaman.

...na pati ang SSS ay nag-iinvest dito.

*Article credit to inquirer.net


Great News!

Anuman ang iyong hanapbuhay - teacher ka man, accountant, doctor, engineer, manager, factory worker, security guard, OFW, seafarer, empleyado o negosyante ka man - maaari ka nang makapag-Invest.


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 Fund.

Sa Mutual Fund 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 Fund 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 Mutual Fund Company ng 12%.

Ang kinita ko sa P100,000 ay P12,000 (P100,000 x 12%)

Ang kinita mo sa P5,000 ay P600 (P5,000 x 12%)

Ang kinita ng kaibigan mo sa P10,000 ay P1200 (P10,000 x 12%)




BENEFITS OF INVESTING IN MUTUAL FUNDS

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.








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.











LOW CAPITAL 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.





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.


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.








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.

TYPES OF MUTUAL FUNDS

  • Stock funds are invested in stocks. They’re for aggressive long-term investors as their prices go up or down. The risk for loss of capital is high and the potential for upside gain is likewise high.
  • Index funds. The index funds purchase the top 30 companies that compose the stock index. These are also called blue chip stocks.
  • Equities funds. They are invested in stocks and have different goals.
  • Bond funds are invested in bonds. They’re for conservative investors who want to preserve their capital. Earnings are limited from interest gained from debt instruments, which are considered safer than stocks.
  • Balanced funds are invested in a mix of bonds and stocks. They’re for people who want to have earn the potential gains from stocks but seek the relative safety of bonds.
  • Money market funds are invested in short-term retail treasury bonds, treasury bills and bank deposits. They are also considered safe securities because they have low risks but also low potential returns.

HOW TO START YOUR MUTUAL FUND INVESTMENT

INVEST IN MUTUAL FUNDS WITH THE HELP OF IMG

Entry fee or also called Front-end fee or Sales Load is deducted every time we invest in a mutual fund which is around 1% to 5% of your total investment. For example, if you invest P100,000, only P95,000 will be invested in the mutual fund because P5,000 (5% of P100,000) will be deducted as the Entry Fee.

Is it possible to invest in Mutual Funds without the Entry Fee? Because it's a pity the deduction.

Answer: YES thru IMG

Sa IMG may forever! Forever Zero Load everytime investing in Mutual Funds.

This is just 1 of the 30 Lifetime IMG Membership Benefits that Members enjoy.

BONUS!

Starting January 01, 2020 all future IMG members will automatically have 1,000 initial investment in Soldivo Mutual Funds.

Do you want to start investing in mutual funds through the IMG Membership platform?

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