Ano ba ang STOCK MARKET?

Ang Stock Market ay isa sa mga pinaka legal na investment sa ating bansa kung saan ka pwedeng makabili ng stocks sa mga malalaking kumpanya kagaya ng Jollibee, Globe, PLDT, Ayala Corp, SM, San Miguel Corp. Para makabili ng stocks, pumili ng Stock Broker na may online trading kagaya ng COL Financial, BPI Trade, FirstMetroSec and BDO Nomura, Abacus Securities. May mga tutorial sila dyan kung paano bumili at magbenta ng stocks.

Pag may share ka sa isang kumpanya, ibig sabihin isa ka nang INVESTOR/SHAREHOLDER. Good Job! Pero di magtatapos dyan dahil dumirekta ka sa stockmarket, ikaw ang magma-manage ng investments mo, ikaw ang FUND MANAGER ng STOCK PORTFOLIO mo.

Pero kung wala kang oras para mag manage at gusto mong mas madali ang kita ng pera mo sa STOCK MARKET ay mag invest ka sa MUTUAL FUNDS.

What is Mutual Fund?

To start, let us first define what mutual funds are. It is a company where it pools funds from different investors. The funds inside the mutual fund company are then managed by professional fund managers where they will be the one who will invest your money in diversified portfolio (such as investing it in the stock market and/or corporate & government bonds).

Defining it simply:

“It is vehicle where an ordinary person is able to invest money where the wealthy people are also investing.”

How does mutual funds work?

1. Mutual fund is about ownership

When you invest in mutual funds, you own shares in proportion to your investments. When the mutual fund companies earn due to their investments, you receive proportionate share of any earnings on the investments of the funds.

So if the MF company earns 12%, you also earn 12%. (Unlike the banks who just give you 1% interest) So yes, you are a part-owner.

By the way, I am NOT against banks. It’s just they also have their own different purpose (more on this on another article).

2. Mutual fund is about accumulation of shares

Have you heard the word “shareholder”?

Yes. It’s because when you invest in mutual funds, you will receive number of shares directly related with the invested amount.

Example:

A mutual fund having a price per share of P1.00.

Then if you have P100,000 you can buy 100,000 shares of the mutual funds.

Just like buying rice, the price is per kilo.

For gasoline, the price is per liter.

And for mutual funds, the price is per share.

3. Mutual fund is about investing for the long-term.

And lastly, investing in mutual funds should be long-term. As the longer you stay invested, the higher the growth in value your investments will be.

Example:

Philequity Fund, Inc. (one of the top mutual funds Philippines)

The price per share last November 23, 2010 is: 19.8651 pesos per share

As of Oct. 26, 2018: 35.3262 pesos per share

If you invested P100,000 years ago:

Your P100K would now be P177,830.324.

That’s 77.83% growth in 8 years.

Or 15.57% per year growth!

How powerful is that!?

Watch the video below How Stock Market & Mutual fund Investment Works!


"Gusto mo bang matutunan kung Paano Magpalago ng Pera sa Stocks at Mutual Funds?

Simple lang. Maging sino ka man o nasaan ka man, pwede mong pag-aralan at sa halagang PHP 1,000.00 pwede kana mag simula.


Tandaan: Financial Education is not only for the Wealthy. It's for Everyone."



WEALTH CALCULATOR FOR YOUR FINANCIAL GOALS

Dito mo malalaman kung magkano ang projected value ng investment mo sa Mutual Funds or Stock Market.

  • Monthly Savings: Ito yung kaya mong ipunin every month, sa picture ay may nakalagay na example: 1,000 pesos hanggang sa 10,000 pesos.
  • Annual Interest: Depende ito sa paglalagyan ng Mutual Fund account mo, sa picture ay:
  • 4% - Madalas ito ay mga pang short-term goal yung tipong 1-3 years ay kukuhanin mo na ang investment mo. Kung ikaw ay yung tipo na taong hindi risky sa mga investment ay mas mainam na dito mo nalang ilagay, maliit ang kita pero maliit lang din ang lugi ng pera mo kung sakali.
  • 8% - Kung ikaw ay yung tipong investor na sakto lang ang risk appetite, dito mo ilagay ang funds mo. Atleast 5 years of investing para maramdaman mo ang return nito.
  • 12% and above - Ito ay fund na talagang risky, kung ang goal mo ay short-term or medium term ay hindi advisable na ilagay mo ito dito. Pero kung ikaw ay long-term mag-isip, yung tipong pang College Education ng anak, Pambili ng House and Lot, Travel. Retirement Money, dito mo ilagay ang fund mo. I recommend to invest sa ganitong klase ng fund kung ang goal mo ay 5 years pataas.
  • Number of Saving Years: Makikita sa picture kung magkano ang projected value nito after 5, 10, 13, 15, 20, 25, 30. The longer you save and invest, mas malaki ang return nito. Sa pag-iinvest napaka-importante ang longterm at consistency. 

Claim your financial freedom!   BE A MEMBER!



Does money control you? Or do you control money? Every day people go to work to make a living, but no matter how hard we work and how much we earn, money always seems to control us.

So many people are in debt. In rich and in poor countries, debt has become a way of life for many people throughout the world. We don’t have much, and we don’t know much. Nobody teaches us how to manage our money in school.

Become your own money manager, you’ll discover that it’s doable to understand, plan, and build a financial foundation for your family.
You can do it. You can control your future.

Start your journey now. Get the first 2 chapters of "The Secret to Saving and Building Your Future".

Enter your details below to subcribe to our newsletter and get the PDF of the book instantly.

I have read and agree to the terms & conditions.