Financial Literacy 101

 

 

 

 

 

 

 

 

 

 

 

 

 

Understanding Mutual funds

 

Marami sa atin ang marahil ang hindi aware o nakakaalam na maliban sa interest ng pera natin sa bangko tulad ng savings account at time deposit, mayroon pang ibang investment vehicle na maaring magbigay sa  atin ng mas malaking interest or return on investment. Isa na dito ang mutual fund investment. Isa ito sa mga sikreto ng mga mayayaman at madalas dito din inilalagay ng mga bangko ang pera natin for a higher interest retun.

 

 

Ano ba ang Mutual fund?

 

Ang mutual fund ay ang ng pinagsama samang pondo ng mga investors (pooled investments) na galing sa mga individuals or from other corporations or groups.The pooled money is being managed by Fund manager at iniinvest sa ibat ibang investment (Diversified Investment portfolio) tulad ng stocks ng ibat ibang corporations at bonds. Sa madaling salita, ang pera na ininvest natin ay pinapalago ng isang experto sa pananalapi sa ibat ibang investment vehicles.

 

 

 

 

 

 

 

 

 

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Paano ba kumita sa Mutual fund?

 

Investing in mutual is almost the same in stock market investment.Your ownership of the fund is represented by shares through NAVPS (Net Asset value Per share).

 

Maihahalintulad ko siya sa presyo ng bigas.For example meron kang 200 peseos at gusto mo bumili ng bigas na 40 pesos per kilo. So ibig sabihin ang pera mo ay makakabili ng 5 kilong bigas. Sabihin natin na itinago mo lang ang bigas ng 3 buwan at biglang tumaas ang presyo at naging 45 pesos per kilo. So ang halaga ng bigas mo ngayon ay 225 pesos na.

 

 

The 200.00 represents your investment while the 40.00 is the NAVPS when you started investing. The 5 kilos represents the number of shares you own on that mutual fund. In other words, if you want to withraw or sell your 5 shares at 45.00 (NAVPS on the day you want to withraw), then you gain 25.00 on your investment.

 

 

 

Magkano ba ang pwedeng iinvest?

 

Ang mutual ay para talaga sa mga taong walang ganong kalaking pera para mag invest. Normally, you can start at 5,000 at pwede mo siyang dagdagan monthly, quarterly or annually depende sa budgetr mo. You can even invest 1,000 a month (12,000 a year}.

 

 

Mutual fund is typically intended for long term investments becasuse it also has risk just like any form of investment. The only thing we can do is to manage the risk. Kaya napakaimportante na pipiliin ninyo ang mutual fund company/fund manager na may magandang historical records in the industry. If you are planning  to invest for your kids education, dream vacation or your retirement, this is definitely the best investment vehicle.

 

 

IMPRTANT:  Sa pag iinvest, importante ang time. The early you start, the greater the return.

 

For example, if you are 25 years okd today and invest 2,000 a month consistently for 15 years at 12 % interest per year (in stocks or mutual fund), once you reach 40 years, meron ka nang 1 milyon. Yan po ay dahil sa compunding interest ng 1,000  per month na iniinvest mo. What if you have more to invest?

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WATCH THIS VIDEO CLIP ON MUTUAL FUND INVESTING

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