Bakit kaya paborito nating mga pinoy ang pumasok agad sa investment, kahit di pa nakakapag establish ng tamang foundation sa kanilang financial life?
Pero nakakahanga din kahit papano na nagbago na din ang pananaw ng karamihan sa atin.
Madami na ang gustong pumasok sa larangan ng investments.
Hindi nalang puro telenobela sa ABS-CBN, The LEGAL WIFE daw sabi pa ng isang kasamahan ko sa trabaho.
Ang iba naman, gusto makabili agad ng condo, para daw meron magdadala sa kanila ng food na parang Deniece Cornejo, Vhong Navarro at Cedric Lee lang ang epek.
Kagabi, madami akong tanong na natanggap mula sa dalawa kong kaibigan, pareho silang OFW na sa ibang bansa nakabase, facebook at skype ang naging medium namin, muntik pang magkasabay at sa tulong ng Diyos at ng mga naituro ng mga mentors ko maayos ko naman nasagot at one of them will be investing his initial investments thru a friend back home within this month.
Sa ngayon try ko isulat ang advantages sa pag iinvest sa mutual funds at ang common terminologies na kailangan maintindihan agad ng isang would-be investor, this was actually from an email I got before I opened my initial investment, medyo mahahaba ang explanation on every advantages kaya minabuti kong iklian at inincorporate ko lang to my own words base sa pagkakaintindi ko.
Ito ang mga advantages pag ikay pumasok sa mutual fund investment.
Mutual Funds are the best growth instrument for ordinary income earners for these 3 very simple reasons:
1. AFFORDABLE
For a minimum of Php5000 initial investment (and a minimum of Php1000 every additional investment) ang mutual fund ay pinakamainam na paraan para mapabilis ang paglago ng pinaghirapan natin. Napakamura kung tutuusin para makapagsimula ng investment. Lalo kung ikaw ay baguhan sa tinatawag na pag-iinvest, this will be a good way to start. It is possible to invest this low dahil ang mga mutual fund managers ay iipunin ang pera ng maraming investors para lumaki ang fund nila na in return will enable them to purchase stocks and bonds.
2. PROFESSIONAL FUND MANAGEMENT
Para sa katulad ko na gustong kumita ng maganda sa stock market or any form of investment, it will be a good way to ride on an instrument na handled ng experts. Just like going to a place you are unfamiliar with, you need to study the map, educate yourself about the place and the road and you may end up lost on the way. With Mutual Funds, you are like traveling on a bus wherein the expert bus drivers will bring you safe and sound to your destination. Mutual funds are managed by professional fund managers (bus drivers) - people who have spent their lives honing the craft of growing your money through the equities and debt markets! Sila ang mga taong nabubuhay ng financia markets ang kinakain at minimerienda.
3. LIQUIDITY
Ito ang isa sa pinakamagandang benepisyo sa pag iinvest sa mutual fund is with the liquidity of your investment. Whenever you need to withdraw some or all of your funds, ang mutual fund company ay required ang investment mo unlike sa stock market na kelangan antayin mong me buyer bago mo makuha ang investment mo. Wala din itong maturity at pwede mo nga itong maredeem kahit wala pang six (6) months sa mababang exit fee. Maganda na din ito kasi baka kelangan na kelangan mo na talaga ng pera sa mga hindi inaasahang pangyayari. Though as experts suggets, mutual fund investments should be for long term so I myself discourage na iredeem sya on a very short period of time.
IMPORTANT TERMINOLOGIES IN MUTUAL FUNDS
(Pumili lang ako ng mga terminologies na ginagamit sa mutual funds na sa tingin ko ay mga importante, ang ibang terminologies pwede i-search sa websites ng mutual fund companies. Provide ko ang mga links sa dulo for easy access. I'll also try na maidescribe ang bawat terminologies to the best of mmy knowledge, some may not as it is self-explanatory)
source: philequity.net
NAVPS or Net Asset Value Per Share
The value of a mutual fund share. It is calculated by dividing the total net asset value of the fund by the number of shares outstanding. The mutual fund’s NAVPS for the day is normally released after 4 pm of the said date.
Ibig sabihin nito, ito ang value ng each share ng nabili mo sa mutual fund company. Halimbawa meron kang 100 shares at sa araw na ito ang NAVPS is 10 pesos, ang value ng investments mo ay 1,000 pesos.
Sales Load
A sales charge deducted from the investments of clients in the fund at the time the investment is made. It is normally expressed as a percentage of the investment to be made by the client.
Exit Fee
A fee charged to an investor for withdrawing money from the mutual fund prior to the end of a pre-specified holding period. It is expressed (and charged) as a percentage of the assets being withdrawn.
Pagdating dito, iba-iba ang bawat mutual fund company, me mga mutual fund companies na waived na ang exit fees when you reach a certain period.
NAV or Net Asset Value
The total market value of all the assets held by a mutual fund less the market value of all its liabilities. Assets consist mainly of cash and fund investments in stocks or bonds. Liabilities include fees and other payables of the fund.
Sales Load
A sales charge deducted from the investments of clients in the fund at the time the investment is made. It is normally expressed as a percentage of the investment to be made by the client.
Ito ang fee na kinakaltas nila sa time na nag invest tayo, i.e. nag--invest ka ng 5,000 pesos at 1% ang sales load, ang magiging initial investment natin ay 5,000 - 50 (1% ng 5,000) = 4,950. Kung ang NAVPS during the day na nag-invest ka is 5 pesos, ang magiging investment mo sa mutual fund is 990.
Stock certificate
A physical document representing ownership in a company.
So, ayan ang unang unang pinakadapat maintindihan sa mutual fund, iyong ibang terminologies, di naman sya ganun ka importante sa aking pananaw, but if you think you should know more madali naman syang matutunan. Many mutual fund companies offer toll-free consumer inquiry lines. If you're considering purchasing a fund from a particular company, ask for product literature or visit its Web site.
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