DO YOU WANT TO INVEST IN MUTUAL FUNDS?

Benefits of Investing in Mutual Funds

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 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 MF Company ng 5%.

  • Ang kinita ko sa P100,000 ay P5,000 (P100,000 x 5%)
  • Ang kinita mo sa P5,000 ay P250 (P5,000 x 5%)
  • Ang kinita ng kaibigan mo sa P10,000 ay P500 (P10,000 x 5%)

For me Mutual Funds is the best way to start investing sa Stock Market dahil:

  1. 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.
  2. 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.
  3. It has a 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 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.
  4. 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.
  5. 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.
  6. 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.
  7. Zero Load - 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.
MUTUAL FUNDS PROCESS

FOR ASSISTANCE:

Independent Representative:

Dominick Ojeda Casanova, AFP®
Financial Educator / Associate Financial Planner
IC License Number: 3918890-0080193-400000

Other ways to get in touch:

ADDRESS
10th Floor, The World Centre Bldg.
Sen Gil Puyat Ave., 
Makati City, Philippines

 MOBILE PHONE
+63 956 7036 361

EMAIL
dominickcasanova@gmail.com

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Disclaimer:

International Marketing Group (IMG) is one of the few companies of its kind in the industry today; a company which caters to the financial needs of every individual and families who wish to attain financial independence. IMG is a financial educator, who has established agreements with many of the world's leading financial services companies who offer a broad array of financial products & services. IMG does not sell mutual funds. All mutual funds are sold by Rampver Financials.