Remember my blog about Stock Market?
Kasunod nito: “Ano naman yung MUTUAL FUND?”
Paboritong tanong din ito ng nakararami.
Ito yung paraan na kung saan ang pera ng mga tao ay nililikom o iniipon ng isang organisasyon o kumpanya na may sariling professional advisers or stock investors na siyang maghahawak ng ating pera.
“Ano ang gagawin nila sa makokolekta?”
Sila ngayon ang mag-i-invest para sa atin.
“How does this work?”
Example:
P5,000 x 1,000 investors = 5 Million Pesos
Malaki ang tutubuin dahil malaking pera din ang pinasok.
Therefore, mas malaki din ang balik sa mga nag-invest ng tig P5,000.
Compared sa P5,000 x 1 investor.
Maliit lang tutubuin o ang balik.
“Sure bang malaki ang babalik”?
My answer is still not a YES neither a NO because again.
It will depend sa galaw ng market.
Keep in mind that when investing in mutual fund, dapat:
ILAGAY ANG PERA NA HINDI KAILANGAN
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Say it with me… HINDI KAILANGAN.
Hindi kasi ito parang atm na kapag nag-deposit
na anytime pwede na i-withdraw.
Huwag ilagay yung pambayad ng kuryente, upa, amortization ng bahay, o
Maski man ang ating emergency funds.
Tayo ang maiipit kapag itong mga ito ang i-invest natin kasi…
MUTUAL FUND IS A LONG TERM INVESTMENT
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Ito yung type of investment na tinatawag nating ‘MANGGA’
Yes kapatid…MANGGA!
Bakit kamo?
Because we need to wait for 5-7 years
Bago natin ito mapalaki at bago tayo maka-ani ng bunga.
Ganun din dito
Meron tayong 5-10 years holding period
Kasi may taon na maganda ang kita
May taon din naman na hindi maganda ang kita.
Kapag nataon na nag pull out tayo ng pera habang hindi maganda ang market, lugi pa tayo.
It takes 3-5 years in average bago natin mare-realize yung earnings natin from the interest.
WHERE TO INVEST
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We can ask banks or insurance agents to know more about this.
Make sure they are trusted and reliable.
Don’t settle for ‘sabi-sabi’ lang.
Mas maganda kung tayo mismo ang may hawak ng first hand information.
“Investing requires knowledge and proper information.”
-Chinkee Tan, Filipino Motivational Speaker
THINK. REFLECT. APPLY.
- What have you understood so far about mutual fund?
- Are you going to start anytime soon?
- Where do you plan to invest?
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Chinkee Tan is a Wealth Coach, Keynote Speaker, and Best-selling Author on personal finance and wealth management. He has written 16 best-selling books and counting. His mission is to equip millions of Filipinos to be free from financial stress & experience financial freedom.