Documente Academic
Documente Profesional
Documente Cultură
Problem: Most people need some help with their BIG investment decisions. They simply dont have the time or investment expertise to do it alone in this area.
2. Mutual Funds
Bond Fund, Balanced Fund & Stocks/Equity Fund. *Currency Denominated: Dollar, Peso & Euro
3. Stock Market, Equities, Real State, Bonds, T Bills, Notes or (Government Securities) 4. Long-Term Healthcare, Pension Plans, Investment in Insurance
Where to Invest?
Answer: Depends on your Investment Goal
For short-term goals, invest in short-term instrument For long-term goals, invest in long-term instrument
1 year to 5 years
More than 5 years
You need to give up liquidity to get higher return. Liquid and high return is not possible.
You cannot achieve your financial goals if you invest in short-term instruments for your long-term goals!
Rules of Investing
Rule # 1 If your investment goes into loanership investments(cash
values, savings accounts, time deposits, etc.), your return will probably be low (e.g. 4%).
YOU
YOU
BANKS
FINANCIAL INDUSTRY
Rules of Investing
We believe that INVESTING is no longer a rich mans game its everyone reality! We move people from to take ownership in investment opportunities! But be careful when you get into the area of more sophisticated investment, you may need some advice and direction to make good investment choices. Also, there are basic rules you must consider. Unless you have extensive knowledge in the stock market, know how to analyze which are good and which are bad, or your temperament wouldnt allow you to lose if the stock market took a down turn, then you need professional investment management INVEST IN PROFESSIONAL MANAGEMENT For these reasons, I recommend an investment concept called MUTUAL FUNDS for Middle Class Filipino especially OFW.
WHY NOT!
NAVPS
STOCK MARKET
Investment Adviser
200 195 Production Costs Unit Price Profits
Fund Administrator
Principal Distributor
Custodian Bank
External Auditor
Millions of Dolla rs
165
160
18%
Investment Details
MUTUAL FUND CO. Phil. Equity Equity Fund 5K 1K 2yrs 3.5 1% 2yrs -1.5% INITIAL ADDL INV HOLDING PERIOD ENTRY FEE EXIT FEE
Bond Fund
FAMI Equity Balance Bond Philam Equity
10K
5K 5K 5K 10K
5K
1K 1K 1K 1K
2yrs
6 months 6 months 6 months 6 months
1-0.25%
2-0.5% 2-0.5% 2-0.5% 5.6-2.24%
1yrs -2%
1% 1% 1% 1.12%
2. Tax Exempt
3. Professional Fund Management
4. Affordability
5. Liquidity
Comparisons
MUTUAL FUND MUTUAL FUND Tax-Exempt Not Guaranteed SEC Liquid Flexible Returns INSURANCE With Tax Guaranteed IC Not Liquid Fixed Tax-Exempt
Investment Programs
Monthly Investment 5 Yrs Saving 10 Yrs Saving (Pesos) Value on 20th Year Value on 20th Year 2K 5K 10K 507,775 1,273,438 2,560,380 830,748 2,090,750 4,197,825
20K 30K
5,141,259 7,739,601
8,417,776 12,677,686
Institutions: 1. Employee Retirement Funding 2. Employee Retention Program 3. Diversification of existing investment portfolio
Whats Next