Financial Literacy for OFW

SAAN KA UNANG NAG-INVEST?

The pandemic made us realize the importance of savings and investments. Kaya ngayon, balikan natin kung ano ba ang unang investments natin.

REACT to let us know 😉
Comment mo na din what made you invest in the first place.

How you work, save, invest and hustle in your 20s, will allow you to reap massively in your 30s.

Don’t rush, use your 20s as a platform to allow you to live life at your own terms a decade after. Don’t rush.

Freedom is not a sprint, it’s not even a marathon. You are not running against anyone but yourself and your goals.

So you Don’t need to compare yourself with others just do what you need to do to hit your goals.

Patience always wins.

Good night Asia. God bless.

Rest, not because you are tired but rest because you know God has your back.

Rest, not because everything is alright but rest because your future and your destiny is good.

Rest in the midst of the darkest night because Joy always comes in the morning.

No matter where you are and what you are going through, rest that God’s promises will come to pass over your life that this pandemic and recession did not catch God by surprise. All is well and it shall be well.

Happy weekend everyone.

When we work hard for something, we feel a sense of ownership over it. Whether we’re working for a paycheck, our businesses or raising kids at home, we see the results of our hard work as ours. But the truth is that the earth and everything in it belongs to the Lord. We don’t own anything—not our properties, our cars or our investments. Everything we have is a blessing from God, and what we do with it matters to Him.

Because our money belongs to God, we have a responsibility to manage it well. In the Bible (Matthew 25), Jesus tells the story of a master who gave money to several servants. One servant did a bad job managing what he was given, so God took His money from that servant and gave it to another who had been diligent.

God trusts us to manage what we are given. When we prove ourselves trustworthy with what God has given us, He can trust us with more.

This is something I tell myself often: Wealth and the ability to create wealth comea from the Lord and it is not for our purposes but for His.

Sa mutual funds, hindi po palakihan ng amount na naipon ang labanan, padamihan po ng shares.

Kung ikaw ay:
- Sawa na sa ipon mo na hindi lumalago
- Hindi maipaliwanag na pagbaba ng fund value
- Walang future na nakikita ang pera mo

PM mo kami. Turuan ka namin. Yung 100K mo na natutulog sa bangko, tatalunin pa yan ng isang tao na nag-iipon ng 1300 per month sa mutual funds.

Kung magpapalago ka ng pera, be smart about it.

Why should you invest at least P8,000?

There are brokerage houses that offer small account opening requirements. This is good if we want to make the stock market affordable for all.

However, investments worth less than P8,000 is actually bad for your portfolio. Why? Because of commissions.

Every buy and sell, online brokers get
25% of gross trade amount or P20.

A P20 deduction wont hurt you so much if you still have P100 in your wallet. But it's a different feeling if you only have P50 left. Right?

This means that the smaller your investment is, the bigger chunk of it goes to commission fee.

Take e-loads for example. Buying P50 worth of load will cost you P52 compared to buying two P25 worth of load for P27 each.

To understand how commissions in the stock market work, here's a detailed guide complete with sample computations for you!

🔥Kapag member ka ng IMG🔥.
May Direct Access ka sa mga Mutual Fund Companies. Pag naginvest ka, zero entry fee kana.. May Lifetime Trainings at Seminars pa.

Question:

Bakit maganda maginvest sa Mutual Fund?
Paano ako makakasiguro na safe ang pera ko dyan? Hindi ba ako maiiscam dyan?

My Answer:

Kilala mo ba si Metrobank?
Alam mo ba ang Fund manager nya ay si (FAMI) First Metro Asset Management Inc.

Kilala mo ba si Maybank?
Alam mo ba ang Fund Manager nya si (ATRAM) ATR Kim Eng Asset Management Inc.

Kilala mo ba si PHILEQUITY?
Alam mo ba siya ang Fund Manager nila SM, BPI, PLDT, MERALCO, AYALA LAND, URC, DMCI, at iba pang bangko at blue chips company.

Kilala mo ba si PHILAMLIFE ?
Alam mo ba ang Fund Manager nya ay si (PAMI) Philam Asset Management Inc.

Kilala mo ba si Sunlife?
Alam mo ba ang Fund Manager nya ay si Sunlife Asset Management Inc.

Kilala mo ba si SOLDIVO Funds?
Alam mo ba siya din ang Fund Managers nila SM Prime Holdings, Ayala Corporation, Meralco, BPI, BDO Metrobank, China Bank, PLDT.

Sa madaling salita lahat ng nabanggit na malalaking kompanya sa Pilipinas ay nagtiwala kay Mutual Funds.

Dati hindi ka pwede makapaginvest sa Mutual Funds dahil malaki ang capital na kakailanganin mo.

Pero ngayon sa halagang 1k to 5k pwede kanang magsimula. Buti nlng pinayagan ng Philippine Stock Exchange (PSE) na pwede ng makishareholder sa mga blue chips company ang ordinaryong tao.

Kaya ngayon ayon sa survey mas madami ng mga millenials na nagiinvest sa Stock Market, Mutual Funds, kaysa adults.

Dahil narin mas madami ng mga Financial Industry ang nagtuturo ng Financial Literacy.
Ito rin ang pinaka Mission ni IMG.
No Families left Behind.

Para sa karagdagang kaalaman tungkol sa Mutual Fund, pwede mo akong imessage para sa libreng Online Classes for the schedules.😀👍

Kapag maging member k ng IMG, meron ka ng 1,000 pesos bilang initial investment s Mutual Funds ng Soldivo. At ang 1,000 pesos ay naka invest sa mga BIG Companies tulad ng SM, AYALA, BDO, BPI, JOLLIBEE, 7-11, PLDT at iba pang companies.

Gusto mo bang matutunan? I-message mo lang ako at ishe-share ko syo.

Sa STOP LIGHT may tatlong kulay ito at eto ang nag a advice kong kailan ka...👎

*MAG STOP
*MAG SLOW DOWN
*MAG START OR GO AHEAD

ihalintulad mo nlng yan sa LIFESTYLE na meron ka sa ngayon...

You must know how to:

utang 👎

Sa pangungutang/creditcard because card is not an EMERGENCY FUND...
makakasanayan mona lng ang mangutang kaya di ka aasenso dahil yong uutangin mo pang bayad sa utang parin ang punta...

gastos 👎

Wag mong hayaan na maging ala tsangge ang buong bahay mo... Dahil bili dito bili doon kahit hindi naman kailangan...Just know your NEEDS and REDUCE YOUR WANTS...Madadala mo ba lahat ng mga bags, sapatos at mga damit mo kapag nawala kana?

/GO AHEAD savings 👎

Know your priority...hindi porke nagse saved ka kuripot kana...Mas maganda alamin mo kung ano yong dapat mong uunahin...Lalo na habang ikaw ay malakas pa at may trabaho ka pa... darating yong araw na tatanda kana at hindi habang buhay may trabaho ka..kong gusto mong mag enjoy now...cguradong magsa suffer ka later... 😅

Hindi lng ikaw ang mahihirapan kundi pati mga anak mo...So you just have do is to suffer now and enjoy later para hindi ka maging pabigat sa pamilya at mga anak mo...At matutunan morin kong paano paglaanan ng tamang future ang mga anak mo...

Hindi ito dahil sa mga gadjets travels at pasyal Gawin mo ito para kong darating yong panahon na pasasalamatan ka nila dahil na e provide mo ang 3 major needs nila in the same time ganon din ang gawin mo para sa sarili mo...👍

"I had my shares of YOLO (You Only Live Once) moments... Pero di na tayo bumabata..."

Ganito ka rin ba?

20s: Next time na ako magiinvest. Bata pa naman ako. Hindi ko pa yan kailangan.

30s: Pinaghahandaan ko ang kasal ko. Mag iipon na ako next time promise.

40s: Ay naku high school na mga anak ko.

50s: Laki ng gastos sa college ng mga bata. Di ko kaya maginvest ngayon.

60s: Retired na ako, wala na akong income. Kung nakapag-save at nakapag-invest lang sana ako noon.

A year from now you will wish you had started today. 😊.

To our rock, our inspiration and our guiding light,

Happy, happy birthday, Boss Rex! 🎉

We hope your special day shines bright as you do and may the coming year bring you all the joy and blessings that you wish for.

From IMG Family
💚