What are Mutual Funds?
Mutual fund is a pool of money. Ibig sabihin, pinagsama-sama ang pera ng mga investor katulad natin . For example, meron kang P1000, ako naman any may P5000 at ang kaibigan mo ay may P100,000 . In total, P106,000 will be invested by the Fund Manager to buy "Blue Chip" companies in the stock market like Jollibee, Ayala, SM, URC, etc. Kapag kumita ang Mutual Fund, ibabalik ang interest sa mga investors.
Kapag kumita ang mutual fund company ng 10%, lahat ng investors ay kikita din ng 10%. Ikaw ay may kita na P100, ako ay may P500 at ang kaibigan mo ay P10,000.
THE BENEFITS OF MUTUAL FUND INVESTING
1. PROFESSIONAL MANAGEMENT
May Full-time investment Expert na tumututok sa investments natin. Maliban sa kumain at matulog, trabaho niyang bantayan ang stock market o bond market.
So kahit busy tayo sa ating trabaho, careers, sa ating negosyo, o tayo’y nasa bakasyon, may Peace of Mind tayo na 'di hamak na mas magaling sa atin ang nagbabantay at nag-momonitor ng investments natin.
2. POTENTIALLY HIGHER RETURNS
Ang P1,000 ko, o P100,000 mo ay "naka-angkas" sa bilyong pera ng mutual fund company. Dahil dito, nakaka-access ang pera natin sa mga potentially higher yielding investments na available lang sa mga big-time investors.
Sinisiguro din ng fund manager that the mutual fund generates the best possible returns for the given level of risk of the mutual fund.
3. DIVERSIFICATION
A mutual fund company invests in 20 to 30 different companies in the stock market.
Kung direct stock market ka mag-iinvest, very limited ang mabibili ng P10,000 mo, or even 100,000.
Pero sa mutual fund, ang P1,000 mo ay automatic nakakalat sa iba't ibang kumpanya sa stock market. Malugi man ang dalawa, break-even ang lima, lumipad ang sampu, PANALO ka pa din!
4. LIQUIDITY
You can sell your shares ANYTIME. Within 3 – 7 banking days lang, makukuha mo na as Cash.
5. LOW MINIMUM INVESTMENT REQUIREMENT
For as low as P1,000, you can open a mutual fund account. Ibig sabihin, kahit minimum wage earner ay pwede na maging Investor.
6. SAFETY
Ang mutual funds ay highly regulated ng Securities and Exchange Commission (SEC). They are also regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.
GREAT NEWs
Anuman ang iyong hanapbuhay - teacher ka man, accountant, doctor, engineer, manager, factory worker, security guard, OFW, seafarer, empleyado o negosyante ka man - maaari ka nang makapag-Invest.
Invest in Mutual Funds with 0% Entry Fee with IMG Membership Benefit #10
Entry fee (also called Front-end fee or Sales Load) is an upfront fee deducted from every mutual fund investment which is around 1% to 5% of your total investment. For example, if you invest P100,000, only P95,000 will be invested in the mutual fund because P5000 (5% of P100,000) will be deducted as the Entry Fee.
Can you invest in Mutual Funds without an Entry Fee? YES!
IMG Members enjoy a lifetime 0% entry fee to all their mutual fund investments. For example, if an IMG member invests P100,000 to a fund, all of these will be invested because there's no entry fee that needs to be deducted.
This is just 1 of the 30 Lifetime IMG Membership Benefits that Members enjoy.
Do you want to start investing in mutual funds through the IMG Membership platform?
