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.
Ano ba ang STOCK MARKET?
If you want to own a business, pwede kang magsimula ng traditional business. Or pwede kang bumili ng shares ng mga kumpanyang listed sa Philippine Stock Exchange (PSE).
Philippines Stocks and Exchange (PSE) - facilitates the buying and selling of stocks. It is the corporation that governs our local stock market.
Stock Market – is the place where you buy and sell shares
Thru the stock market, pwede kang maging co-Owner at Partner sa negosyo ni Jollibee, SM, Ayala, BPI, BDO, PLDT, Globe, Meralco, at marami pang iba.
Shares – symbol of ownership in a corporation
There are Two (2) Ways to Invest in the STOCK MARKET.
DIRECT STOCK INVESTING
You are your own fund manager. You decide which stocks to buy or to sell.
Kung hindi mo naiintindihan how the stock market works, at wala kang oras to do research (or monitoring), baka malugi ka lang..
INDIRECT STOCK INVESTING thru MUTUAL FUNDS
A mutual fund is an investment company that pools money from different individuals or institutions. The fund manager monitors the markets, always with the intention to maximize the returns of the fund.
Kagaya sa stock market, ang binibili natin ay shares of the mutual fund company. When we buy shares of a mutual fund, we become co-Owners of that mutual fund company.
Mutual Fund is a Great EQUALIZER!
Ang interest na kikitain ng P1,000 natin, ay kapareho din sa kikitain ng P5,000,000 ng ibang shareholder.
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.
THE BENEFITS OF MUTUAL FUND INVESTING
1. 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.
2. 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.
3. DIVERSIFICATION
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!
4. LIQUIDITY
You can sell your shares ANYTIME. Within 3 – 7 banking days lang, makukuha mo na as Cash.
5. LOW MINIMUM INVESTMENT REQUIREMENT
For as low as P1,000, you can open a mutual fund account. Ibig sabihin, kahit minimum wage earner ay pwede na maging Investor.
Good New! as low as P20.00 pwede kang mag-top up ng investment mo sa Mutual Funds.
6. SAFETY
Ang mutual funds ay highly regulated ng Securities and Exchange Commission (SEC). They are also regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.