International marketing group
Understanding the Basic Concepts of a
Mutual Fund Investments
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 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%)
Mutual Funds is the best way to start investing in the Philippine Stock Market especially para sa mga Overseas Filipinos based abroad dahil;
1. Ito ay 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. Ito ay 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. Ito ay mayroong 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. Ito ay 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.
5. Ito ay 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.
6. Enjoy forever Zero Sales Load or Entry Fee
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.
7. Gains/ Profits 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.
PROFIT AND LOSS
For example, kapag bumili ka nang isang kilong bigas worth 1,000 pesos sa isang supplier tapos naibenta mo ito nang 1,500 pesos sa iyong tindahan ang kinita or PROFIT mo ay 500 pesos (Vice Versa) Kailangan mo lang antayin umangat muli ang NAVPS nang iyong mutual fund porfolio para hindi ka malugi, ang tawag dito ay "Paperloss" lamang. Kapag ikaw ay nagbenta nang iyong shares na bagsak ang stock market "Profit Loss" na ang tawag doon.
Like any other investment instrument, mutual funds are best held long-term especially for mutual funds that have investment objectives of capital growth such as equity funds.
There are four (4) basic types of mutual funds in the market
Money Market Funds
Invest in short-term debt instruments like time deposits.
Bond Funds
Invest in long-term debt instruments of governments or corporations
Balanced Funds
Invest both in shares of stock and debt instruments.
Stock Funds / Equity Funds
Invest primarily in shares of stock.
Common Types of Mutual Funds Investors
The conservative investor
Your aim is to protect your capital even with minimal growth.
The moderately aggressive investor
You are looking for a sensible mix to maximize your investment over the long term.
The aggressive investor
You want a potentially higher growth over the long-term.
IMG and Rampver Financials are registered with Securities and Exchange Commission
Need our assistance? or do you have any Questions or Clarifications?
Please do not hesitate to contact us anytime if you have any questions or clarifications. If you need any assistance on processing your registration. We are happy to serve you!
ANDREW FABILLAR JR
IMG FINANCIAL COACH
REALYN FABILLAR
IMG FINANCIAL COACH