Spender turns to Saver inspired by - IMG

Spender turns to Saver inspired by - IMG

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Vedic School of Math
Vedic School of Math

"Do not save what is left after SPENDING, But spend what is left after SAVING"

Operating as usual

04/10/2021

Quitter never wins and a winner never quit ๐Ÿ”ฅ

30/09/2021

Ctto

"Debts are not the answer!"

Borrowing money from others is just a temporary comfort to your finance. Sooner or later you will still need to pay for it. Repetitively doing this will only make it harder for you to solve your financial problems.

Photos from Drama Series OST's post 25/09/2021
Photos from Spender turns to Saver inspired by - IMG's post 21/09/2021

In Investing, "Do not put all eggs in one basket."

Diversify! Diversify! Diversify!

15/09/2021

KAISER 3-IN-1 SAVING PLAN Healthcare Benefits:

โœ…- Long-Term Healthcare that covers hospitalization even beyond age 65
โœ…- NO DOWNPAYMENT upon hospital admission
โœ…- Room & board per day
โœ…- Dental & lab exams coverage
โœ…-Term Life Insurance coverage
โœ…-Invested in a reserve Trust Fund and in Shares of Stocks
โœ…-6-10% average interest growth rate yearly

Sa ayaw at sa gusto mo tumatanda Tayo yearly ๐Ÿค—
Kaya hanggat maaga pa maglaan Ka para sa kalusugan mo,sa emergency man o wala meron Kang aasahan, na Walang pag-aalinlangan.

โ€ผ๏ธGET YOUR KAISER 3IN1 SAVING PLAN.โค๏ธ๐Ÿ™‹

๐Ÿ“ฉMESSAGE ME TO ASSIST YOU๐Ÿ™‹

15/09/2021

According to JACK MA, Number 1 richest man in Asia and Number 18 richest man in the world.

If you are at least 35 years old and you are still financially broke meaning no savings, you deserve it!

You want to know why there are a lot of poor people? It's because when they see opportunities, they spend their time doubting it.

Most poor people don't want to try new career or new business opportunities because they think of what would other people say if they go for this opportunity. Poor people live their life with fear. Successful people are courageous and brave and love taking calculated risks.

If you're an aspiring entrepreneur, this is a reminder for you. ๐Ÿ‘Œ

Ctto

14/09/2021

Someone asked me โ€œWhatโ€™s the best investment for a newbie like me?โ€

I answered back with:

If you ask an insurance advisor then probably the answer is having a life insurance with investment is the best way.

If itโ€™s a real estate agent, then he will recommend to put your money into properties because your investment appreciates through time.

If you ask a fund manager, then investing in funds is the best option because of its proven historical returns.

You see, whatโ€™s the best for me canโ€™t be the best for other people BUT if thereโ€™s one best thing that you should do first before you invest your money, that is by investing in your financial education.

For with proper knowledge, you can have an opportunity to invest in all of the investment instruments available in the market today.

Invest in learning, the more you learn - the more you earn.

Be part of our campaign!
30 Million Financially Educated Filipino Families by year 2030

https://123281uae.30m2030.com/share

Ctto

รทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรทรท

Attend our FREE financial literacy class online
Message me for details

14/09/2021

Basta HEALTHCARE, the best ang KAISER!
Ito ang IPON na walang TAPON.

HEALTHCARE (Long-term Health Care)
- for medical protection

LIFE INSURANCE - for family protection

INVESTMENT (Mutual Fund)
- for future protection

Ito ang dapat natin pag-ipunan sa ngayon, dahil Ito ang magagamit natin pagdating ng panahon.
Secure your KAISER 3in1 Healthcare now! Investment na walang tapon.

Ang KAISER SAVING PLAN ay 20 years plan, meaning 7 years lang mag-iinvest and 13 years of waiting for the Maturity.

Meron kang benefits ng Long term Healthcare na pwede mong magamit khit beyond 100 years old ka na. No traditional HMO will cover you kpag retired ka na, only Kaiser Long-term Healthcare.

Once nag-start ka ng Kaiser, automatic insured ka na ng Term Insurance nito and just in case mawala ang Policy Holder makukuha ng beneficiaries ang Instant Money from the Insurance, Waived na din ang Kaiser Plan, ibig sabihin wala ng iintindihin ang Family. Plus magagamit pa nila yung Health Benefits at makukuha pa nila ang money sa Maturity.

Sa 20th year or sa Maturity makukuha na good as cash ang Investment. Depende sa kukunin na Plan kung magkano ang Maturity nito and option mong kunin ang Fund or Hindi. Kapag ni-retain mo lang ang Funds after the Maturity kumikita pa ito ng 8-10% per year. (Depende sa stock market). Ito lang ang Healthcare Plan na nire-Reward tayo kung hindi tayo nagkakasakit. The Healthier we are, the Better because the More our INVESTMENT GROWS.

Once our plan matures pwede natin i-withdraw, o iwanan lang ang pera para tuloy-tuloy lumago for our Long-term healthcare needs, or source of Retirement Fund (Passive Income).

Get your kaiser now!.
Message me for details

Ctto

14/09/2021

Start Now ๐Ÿค”

14/09/2021

Plan ahead not worry ahead. ๐Ÿ˜

08/09/2021
20/06/2021

A salute to all dads out there! You are our firm foundation in all the storms of life! Indeed, a true hero! This Father's Day, may you feel all the love that you deserve, may we express to you how grateful we are for your hard work and perseverance to bring financial independence not just for our family but for others as well. We love you, Dad! Happy Father's Day!



16/06/2021

๐Ÿ“Tanung Ng marami,,,

Pwede namang mag invest directly sa mga Mutual Funds companies...

Pwede naman din mag invest sa stock market directly...

Eh bakit ka pa kelangan mag member sa IMG?
Anong difference?

Sagot: ANG IMG MERONG 48 MEMBERSHIP BENEFITS...

At Hindi kana mahihirapan kasi automatic INVESTOR kana once magpa member ka.At Ang maganda doon ay tax FREE.

At automatic 100k Ang PAI kapag pH code,,at 600k kapag international code ka.

Free Education -libreng seminars na pwedeng salihan anytime, para maintindihan mo yung ginagawa mong pag iinvest.

May libre kang check up sa mga Kaiser clinics.

May libre kang salamin, 2 frames๐Ÿ‘“ taun taon? ๐Ÿ‘“

May discount ka pag bumili ka ng sasakyan ๐Ÿš˜

May discount ka pag bumili ka ng condo๐Ÿข๐Ÿฃ

Pwede kang ma qualify para sa libreng healthcard na may coverage na at least 70K per sickness per year.

May international business opportunity ka kung saan pwede kang kumita ng pandagdag sa investment mo.

Choice mo naman kung pano mo gustong mag invest.

Pero kung interesado ka, message mo ko๐Ÿฅฐ








18/04/2021

BEST RETIREMENT PROGRAM

๐—ฅ๐—ฒ๐˜๐—ถ๐—ฟ๐—ฒ๐—ฑ ๐——๐—ถ๐˜€๐˜๐—ฟ๐—ถ๐—ฐ๐˜ ๐—ฆ๐˜‚๐—ฝ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐˜€๐—ผ๐—ฟ ๐—ณ๐—ฟ๐—ผ๐—บ ๐——๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—บ๐—ฒ๐—ป๐˜ ๐—ผ๐—ณ ๐—˜๐—ฑ๐˜‚๐—ฐ๐—ฎ๐˜๐—ถ๐—ผ๐—ป, ๐Ÿณ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—น๐—ฑ, ๐—–๐—ผ๐—ป๐˜๐—ถ๐—ป๐—ผ๐˜‚๐˜€๐—น๐˜† ๐—ฑ๐—ผ๐—ถ๐—ป๐—ด ๐—œ๐— ๐—š ๐—บ๐—ถ๐˜€๐˜€๐—ถ๐—ผ๐—ป ๐—ผ๐—ณ ๐—˜๐—ฑ๐˜‚๐—ฐ๐—ฎ๐˜๐—ถ๐—ป๐—ด ๐—™๐—ถ๐—น๐—ถ๐—ฝ๐—ถ๐—ป๐—ผ๐˜€ ๐—ฏ๐—ฒ๐—ฐ๐—ผ๐—บ๐—ฒ ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น๐—น๐˜† ๐—Ÿ๐—ถ๐˜๐—ฒ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐—ผ๐˜‚๐—ฟ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ณ๐˜‚๐˜๐˜‚๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ผ๐˜‚๐—ฟ ๐—ฐ๐—ต๐—ถ๐—น๐—ฑ๐—ฟ๐—ฒ๐—ป.

๐—”๐—ป๐—ด ๐—™๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—˜๐—ฑ๐˜‚๐—ฐ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฎ๐˜† ๐—ต๐—ถ๐—ป๐—ฑ๐—ถ ๐˜๐—ถ๐—ป๐˜‚๐˜๐˜‚๐—ฟ๐—ผ ๐˜€๐—ฎ ๐˜€๐—ฐ๐—ต๐—ผ๐—ผ๐—น .๐—ช๐—ฎ๐—น๐—ฎ ๐˜†๐—ฎ๐—ป ๐˜€๐—ฎ ๐—ธ๐—ฎ๐—ต๐—ถ๐˜ ๐—ด๐—ฎ๐—ฎ๐—ป๐—ผ ๐—ธ๐—ฎ ๐—น๐—ฎ๐—ธ๐—ถ ๐—ผ๐—ฟ ๐—ธ๐—ฎ๐—น๐—ถ๐—ถ๐˜ ๐—ป๐—ด ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ. ๐— ๐—ฎ๐—ป๐—ถ๐˜„๐—ฎ๐—น๐—ฎ ๐—ธ๐—ฎ, ๐—ฏ๐—ฎ๐˜€๐—ฒ ๐˜†๐—ฎ๐—ป ๐˜€๐—ฎ ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฟ๐—ถ๐—ฒ๐—ป๐—ฐ๐—ฒ. ๐—ž๐—ฎ๐˜†๐—ฎ ๐—ฝ๐—ฎ๐—ด ๐—ฎ๐—ฟ๐—ฎ๐—น๐—ฎ๐—ป ๐—ป๐—ฎ๐˜๐—ถ๐—ป.

๐—•๐—ฒ ๐—ฝ๐—ฎ๐—ฟ๐˜ ๐—ผ๐—ณ ๐—ผ๐˜‚๐—ฟ ๐—ฎ๐—ฑ๐˜ƒ๐—ผ๐—ฐ๐—ฎ๐—ฐ๐˜† ๐˜€๐—ผ ๐˜„๐—ฒ ๐—ฐ๐—ฎ๐—ป ๐—ต๐—ฒ๐—น๐—ฝ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—™๐—ถ๐—น๐—ถ๐—ฝ๐—ถ๐—ป๐—ผ๐˜€ ๐—ฒ๐˜€๐—ฝ๐—ฒ๐—ฐ๐—ถ๐—ฎ๐—น๐—น๐˜† ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐˜„๐—ต๐—ผ ๐—ฎ๐—ฟ๐—ฒ ๐˜€๐˜๐—ฟ๐˜‚๐—ด๐—ด๐—น๐—ถ๐—ป๐—ด ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น๐—น๐˜†.
๐—ช๐—ฎ๐—น๐—ฎ ๐˜€๐—ฎ ๐—ฒ๐—ฑ๐—ฎ๐—ฑ ๐˜†๐—ฎ๐—ป, ๐—ป๐—ฎ๐˜€๐—ฎ ๐—ฃ๐—จ๐—ฆ๐—ข ๐—ฃ๐—”๐—ฅ๐—” ๐—ง๐—จ๐— ๐—จ๐—Ÿ๐—ข๐—ก๐—š ๐—ฆ๐—” ๐—œ๐—•๐—”๐—ก๐—š ๐—ง๐—”๐—ข ๐—ง๐—ข ๐—•๐—˜๐—–๐—ข๐— ๐—˜ ๐—™๐—œ๐—ก๐—”๐—ก๐—–๐—œ๐—”๐—Ÿ๐—Ÿ๐—ฌ ๐—Ÿ๐—œ๐—ง๐—˜๐—ฅ๐—”๐—ง๐—˜! ๐Ÿ“ท๐Ÿ“ท

๐‘ฉ๐’† ๐‘ท๐’‚๐’“๐’• ๐’๐’‡ ๐‘ฐ๐‘ด๐‘ฎ 30๐‘ด2030 ๐‘ญ๐’Š๐’๐’‚๐’๐’„๐’Š๐’‚๐’ ๐‘ฌ๐’…๐’–๐’„๐’‚๐’•๐’Š๐’๐’ ๐‘ด๐’๐’—๐’†๐’Ž๐’†๐’๐’•!

๐—–๐˜๐˜๐—ผ

26/03/2021

Financial Education is nothing without Ex*****on.

We have lots of financial needs yet very limited in knowledge where and what financial products can fit to these.

Understand the different investment vehicles in the financial industry today. Attend to our FREE Financial Coaching online and offline. PM me for details.

18/03/2021

Limang rason bakit hindi nag nenegosyo ang mga Pilipino:

1. ๐Ÿ’ฐ๐Ÿ’ต- โ€œMag-iipon muna ako. Kulang ang pera ko.โ€

2. โณโŒšโ€“ โ€œMadami pa akong inaasikaso, busy ako"..

3. ๐Ÿ’ผ ๐Ÿ—ฃ๏ธโ€“ โ€œHindi ako marunong mag-business, baka malugi lang ako.โ€

4. ๐ŸŒ๐Ÿ“ˆโ€“ โ€œHindi para sa akin yan. Hindi ko linya yan."

5. ๐Ÿ“ฑ๐Ÿ‘ฅ โ€“ โ€œWala akong kilala masyado.โ€

Anong point?๐Ÿคท
1. MONEY๐Ÿ’ธ๐Ÿ’ต - hanggang kailan ka mag-iipon? Matagal mo na gusto makaipon, pero hanggang ngayon marami sa atin wala pa ding ipon.

2. TIMEโณโŒš- kung sumesweldo ka ng 20k, tapos oofferan ka ng 100k igagrab mo diba? Kala ko ba wala kang time?

3. SKILLS๐Ÿ—ฃ๏ธ๐Ÿ’ผ - lahat ba natututunan agad? Lahat may learning process. Yung pag-aaral nga pinaghirapan mo ng mahigit sampung taon di ba?

4. OPPORTUNITY๐ŸŒ๐Ÿ“ˆ - Di pa nga natry, hindi na agad para sa kanya? Wala namang tao pinanganak sa mundo na linya na niya agad ang isang bagay. Lahat ng skills naaaral

5. CONNECTION ๐Ÿ‘ฅ๐Ÿ“ฑ- Bakit ka pa nag FB? 5,000 friends capacity ng facebook ano.. malawak ang social media platform, milyon milyong tao ang magiging customer mo!

"Change your MINDSET if you want to be successful"๐Ÿ’ช๐Ÿ‘Š๐Ÿ™
Kung ano ka NGAYON, iyan ang bunga ng pag- iisip at desisyon mo KAHAPON! At kung ano ang maging ikaw BUKAS! ๐Ÿ˜ Naka base yan kung paanu ka mag isip at mag desisyon NGAYON.๏ฟฝ

CTTO::

16/03/2021

Alamin mo muna ang "3 Basic Levels of Investing" na para sa'yo, depende sa iyong kaalaman. Kung kaya't Financial Education muna ang kailangan. "Aral muna, bago mag-invest," ika nga.

๐Ÿ“Œ Level 3: Direct Stock Trading
High Risk, High Return โ€ข Kailangan ng mataas na antas ng financial literacy. Hindi advisable gawin agad ng mga newbies o mga baguhan.

๐Ÿ“Œ Level 2: Mutual Fund Investing
Medium Risk โ€ข Relatively "safer" lalo na kung long term goals ang pinag-lalaanan mo. Sa isang mutual fund company, naka-diversify ang investment mo sa maraming blue-chip companies. Diversified, kaya less worries at hassle-free.

๐Ÿ“Œ Level 1: Long Term Care (LTC) โ€ข Ito ang pinaka-safe sa tatlo. Bukod sa longterm healthcare component, may insurance at investment ka na din dito (3-in-1 Plus More). Highly recommend na meron ka nito, bago pumunta sa higher levels ng investing

"You don't need to be wealthy in order to Start Today. But you need to Start Now in order to be wealthy."

We Educate. We Share. We Care.. ๐Ÿ’›๐Ÿ’š๐Ÿ’™

16/03/2021

Learn to live below your means.

Mas mabuting maging simple pero may ipon.

SAVE AND INVEST FOR YOUR BETTER FUTURE! How? Message us for more details.

photo credit to owner

16/03/2021

๐—š๐—จ๐—ฆ๐—ง๐—ข ๐— ๐—ข ๐—•๐—” ๐— ๐—”๐—š๐—œ๐—ก๐—š ๐—œ๐—ก๐—ฉ๐—˜๐—ฆ๐—ง๐—ข๐—ฅ ๐—ก๐—š ๐—๐—ข๐—Ÿ๐—Ÿ๐—œ๐—•๐—˜๐—˜ ๐—”๐—ก๐—— ๐—ข๐—ง๐—›๐—˜๐—ฅ ๐—›๐—จ๐—š๐—˜ ๐—–๐—ข๐— ๐—ฃ๐—”๐—ก๐—œ๐—˜๐—ฆ sa halagang P1,000.00 lang?
Invest in MUTUAL FUNDS!
โœ”๏ธ๐•๐„๐‘๐˜ ๐„๐€๐’๐˜ ๐“๐Ž ๐”๐๐ƒ๐„๐‘๐’๐“๐€๐๐ƒ.
You just need time to learn so you can invest the right way.
โœ”๏ธ๐•๐„๐‘๐˜ ๐‚๐‡๐„๐€๐ ๐“๐Ž ๐’๐“๐€๐‘๐“.
For as low as 1,000 pesos Top up in your portal.
โœ”๏ธAVERAGE ๐Ÿ๐Ÿ% ๐๐„๐‘ ๐˜๐„๐€๐‘.
Depending on the market performance.
โœ”๏ธ๐‹๐„๐†๐€๐‹ ๐ˆ๐๐•๐„๐’๐“๐Œ๐„๐๐“ ๐ˆ๐๐’๐“๐‘๐”๐Œ๐„๐๐“.
Highly regulated by SEC / PSE.
Itโ€™s easy to invest but still a lot of people neglect to prepare for their financial future.
Tara! turuan kita dito sa aming "๐…๐‘๐„๐„" ๐Ž๐ง๐ฅ๐ข๐ง๐ž ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐‹๐ข๐ญ๐ž๐ซ๐š๐œ๐ฒ ๐‚๐ฅ๐š๐ฌ๐ฌ

Para iyong malaman ang mga details at How to start in this ๐ฅ๐ž๐ ๐ข๐ญ๐ข๐ฆ๐š๐ญ๐ž investing vehicle.
We teach financial literacy for free, kapag nasa puso mo ang tumulong, pati kapwa mo ay uusbong. Message me

IMG

16/03/2021

Do not be DISAPPOINTED.

We have to be strong and stand on our own and one day heto din ang sasabihin natin.

Thanks.
I did it Myself โ™ฅ๏ธ

12/03/2021

โœ๏ธHuwag mo isipin Mahirap! Ang isipin mo Mas Mahirap ang habang buhay na kahirapan๐Ÿ˜…AT PWEDE YAN MAIPAMANA.
โœ๏ธANG GAWIN MO MAG PLANO PAANO MO MAABOT ANG PANGARAP MO... HUMANAP KA NG TAONG MAGTUTURO SAYO AT UMALALAY... ANDITO SI IMG PARA TULUNGAN TAYO NA MAABOT ANG ATING PANGARAP. NGUNIT D2 WALANG MAGIC, KAILANGAN DETERMINATION, effort at marunong gumaya.. ๐Ÿ˜‚Para maging successful ka..

11/03/2021

Minsan gusto mo na sanang magjoin sa negosyo, pero nung sinabihan ka ng friend mo na walang mangyari dyan, di ka aasenso dyan, di ka na tumuloy.

But take a look!!
Nung naghirap ka tumulong ba sya?
Nung wala kang pera nagbigay ba sya?

"Follow your decisions, not those negative opinion".

"LIVE THE LIFE YOU CHOOSE"
CHOOSE WISELY! โค


11/03/2021

"An investment in knowledge pays the best interest." - Benjamin Franklin

When it comes to investing, nothing will pay off more than educating yourself. Do the necessary research and analysis before making any investment decisions.

In general, a person would spend the first quarter of their lives on education and the later part on making a living off the skills acquired from their education. However, none of the educational institutions teach us how to manage our hard-earned money.




Join the Community of Savers, Investors, Entrepreneurs, Financial Educators and Campaigners..

11/03/2021

Aral muna bago invest para iwas SCAM..

11/03/2021

Retiring PINOYS let us prepare for our Retirement years..

Wag na po tayo sumali sa 80%.
Do something new today for our Future..

11/03/2021

Let us all have RICH MINDSET!

12/02/2021

Warren Buffett Quote:

โ€œIf you don't find a way to make money while you sleep, you will work until you die.โ€

Create a passive income, let the money work for you! ยฉ๏ธ CEO Nanfree

17/01/2021

Hanggang kelan mo pagiisipan kumuha o paghahandaan ang iyong LONG-TERM HEALTHCARE?

1) Kung ikaw ay may sakit na?

2) Kung ikaw ay may edad na, mahina na ang pangangatawan at di na kaya makapagtrabaho? 3) Kung ikaw ay nasa senior years na at di na pwede kumuha ng LONG-TERM HEALTHCARE?

Paghandaan natin ang ating LONG-TERM HEALTHCARE hanggat tayo ay malusog at may kakayahan pang kumita. Para din sa atin ito mga beshie pagdating ng panahon na kakailanganin na natin. Tayo din ang makikinabang sa LONG-TERM HEALTHCARE na pinaghahanadaan natin. Kung marami ka mang salapi, investment or mga solid assets, pwedeng ma-wipe out yan sa isang malubhang sakit kung di natin mapaghahandaan ang LONG-TERM HEALTHCARE. Ako ang iyong konsensya๐Ÿค—๐Ÿ˜‡โค๐Ÿ˜œโœ…

Mga eligible kumuha ng LONG-TERM HEALTHCARE: 10-60 yrs old

1) Breadwinner
2) Wife/Husband
3) Children kasi pwede na pamana ang LONG-TERM HEALTHCARE sa kanila
4) Family & Relatives
5) Friends & Acquaintances
6) Colleagues at work




Ctto

10/01/2021

DO YOU WANT TO INVEST IN MUTUAL FUNDS?

Benefits of Investing in Mutual Funds

Kung wala kapang Time, Knowledge, Capital
at medyo takot kapa dahil baka malugi ka sa Stock Market,
ito ang nababagay para sa'yo...
Ito ang tinatawag na Mutual Funds.

Sa Mutual Funds ikaw ay โ€œINDIRECT INVESTORโ€
dahil merong Professional Fund Manager(s)
na mag-manage ng portfolio mo,
hindi ikaw ang magde-decide
kung anong mga companies ang bibilhin.

Ang Mutual Funds
ay pinagsama-samang pera ng mga investors,
kunwari yung P100,000 ko, P5,000 mo at P10,000 ng kaibigan mo
pagsasama-samahin ng Fund Manager yan
at dahil malaki na ang budget mula sa pinagsama-samang capital,
ibibili yan ng mga โ€œBlue Chipsโ€ Companies like Jollibee, SM, Ayala, Globe, etc. Now, kapag kumita na, ibabalik ito sa mga investors na kagaya mo.

Kunwari kumita ang MF Company ng 5%.
Ang kinita ko sa P100,000 ay P5,000
(P100,000 x 5%)

Ang kinita mo sa P5,000 ay P250
(P5,000 x 5%)

Ang kinita ng kaibigan mo sa P10,000 ay P500
(P10,000 x 5%)

For me, Mutual Funds is the best way to start investing sa Stock Market dahil:

1.) It is Professionally Managed โ€“
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.) It is Very Liquid โ€“
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.) It has a Low Minimum Investment Requirement โ€“
for as low as P1,000 - P5,000 you can open ang account in MF (some MF companies requires P10,000 โ€“ 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.) It is Diversified โ€“
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 letโ€™s say si PLDT, Meralco, BDO. Yung remaining 7 companies naman ay kumita, still kumita ka pa rin.

5.) It is Very Transparent โ€“
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 Shareholderโ€™s Meeting, dun ididiscuss kung saan ba ininvest ang pera natin, ano ba naging performance this past few months or year. Sa Mutual Funds youโ€™re a Shareholder or Stockholder of the Company.

6.) The Gains are Tax-Exempt โ€“
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.

7.) Zero Load -
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.

For more info, Attend po kayo ng IMG Financial Literacy Classes.
PM is the key.

ยฉ๏ธ

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