Pls help!!! I want to KNOW and LEARN about MUTUAL FUNDS

[mrx412]

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kinsa kahibaw na istoryans dha..pls help beh..nahan jd ko makahibaw ani..im still 23 and i think its better to invest in an early age..23 man gani kay too late na but ok ra basta nice jd mag-invest nga bata pa..dba..help beh...

[wizard_jamex]

kinsa kahibaw na istoryans dha..pls help beh..nahan jd ko makahibaw ani..im still 23 and i think its better to invest in an early age..23 man gani kay too late na but ok ra basta nice jd mag-invest nga bata pa..dba..help beh...

PM Sent...

[wizard_jamex]

Mutual Funds works as an alternate time deposit or regular savings from the bank, because, now a days, banks have lower interest rate. Below 1% is the bank's interest rate per annum. Kung time deposit or dako imo i save like 20M then they will give you 4% per annum which is below 7% inflation rate. Ang importante ana kung mo save ka ug money sa mga financial industries like bank. Kailangan ana higher than inflation rate ang interest rate sa savings account (higher than 7%). Kung i subtract nimo ang 1% per annum minus 7% inflation rate then difference is -6% which is dako kaayo ka alkanse ana. I will cite some examples here.

For example, bank will give you 4% per annum. Age is 29. Imo save kay Php 100,000.00.

About rule of 72.
Aron maka hibalo ka kanus-a mo double imo money then use this formula :
72 divided by interest rate :

72/4 = 18 years. So in every 18 years mag double imo money. For example, Age sa tawo kay 29.

Age Money
29 100,000.00
47 200,000.00 (Age 29 + 18 )
65 400,000.00 (Age 47 + 18 )

Mutual Fund has 8 to 12% interest rate.

For example, you invest Php 100,000.00 to MF. The interest rate is 12%

72/12 = 6 years. So in every 6 years mag double imo money. For example, Age sa tawo kay 29.

Age Money
29 100,000.00
35 200,000.00 (Age 29 + 6 )
41 400,000.00 (Age 35 + 6 )
47 800,000.00 (Age 47 + 6 )
53 1,600,000.00 (age 47 + 6 )
59 3,200,000.00 (age 53 + 6 )
65 6,400,000.00 (age 59 + 6 )



There's big difference between banks and Mutual Funds. I'm not saying that saving sa Bank kay Bati...
Kung gusto ka double your money in 3 o 5 years. Mutual Fund is the best.

[mrx412]

Mutual Funds works as an alternate time deposit or regular savings from the bank, because, now a days, banks have lower interest rate. Below 1% is the bank's interest rate per annum. Kung time deposit or dako imo i save like 20M then they will give you 4% per annum which is below 7% inflation rate. Ang importante ana kung mo save ka ug money sa mga financial industries like bank. Kailangan ana higher than inflation rate ang interest rate sa savings account (higher than 7%). Kung i subtract nimo ang 1% per annum minus 7% inflation rate then difference is -6% which is dako kaayo ka alkanse ana. I will cite some examples here.

For example, bank will give you 4% per annum. Age is 29. Imo save kay Php 100,000.00.

About rule of 72.
Aron maka hibalo ka kanus-a mo double imo money then use this formula :
72 divided by interest rate :

72/4 = 18 years. So in every 18 years mag double imo money. For example, Age sa tawo kay 29.

Age Money
29 100,000.00
47 200,000.00 (Age 29 + 18 )
65 400,000.00 (Age 47 + 18 )



I hope it will give an idea how money works.

btaw noh?! lau rman d.i ang time deposit kaysa s mutual funds but y man dghan lage magtime deposit sa banks? mas risky ang mutual funds d.i?..la jd qy idea man gd ana..xenxa na...ehehehe

[wizard_jamex]

btaw noh?! lau rman d.i ang time deposit kaysa s mutual funds but y man dghan lage magtime deposit sa banks? mas risky ang mutual funds d.i?..la jd qy idea man gd ana..xenxa na...ehehehe

Gamay ra man nakahibalo about sa Mutual Fund. Amo mission sa IMG kay to spread the information about sa ani.

[wizard_jamex]

Dili man risky ang mutual funds.

[wizard_jamex]

To understand about sa Mutual Funds...

YOU------>save Php 100,000.00-----> Bank

Buhaton sa Bank kay

Bank----(use your money)-------> ipa Loan sa mga tawo
and ----(use your money)---> To invest it sa partner sa Financial Industry (Mutual Funds)

What will happen. (based sa example sa ako gihatag sa a while ago).

Nag save ka Php 100,000.00 sa bank at age 29. Ila gi invest imo money then pag abot nimo sa age 65.

Ila uli nimo ang Php 400,000.00 sa imo kay mao mana ang tubo sa interest which is 4% but ang ila kay
8% of the interest which is 6,000,000.00...Ngano 8 percent man kay (12% - 4%) kay 8%.

Dili man bati ang banko. Kahibalo lang sila How money works for them.

We, IMG, teach people where to save and invest your money directly. We introduced Mutual Funds Companies that nakig partner namo:

First Metro Assets Management Inc (FAMI)
Phil Equity
PhilAm Assets Management Inc (PAMI)

[mrx412]

Gamay ra man nakahibalo about sa Mutual Fund. Amo mission sa IMG kay to spread the information about sa ani.

aw mao lage ni nga nahan jd q makahibaw ug mutual funds but too bad naa pako butuan city in mindanao. december pako naa dha..everyday ba ang orientation bro?

[wizard_jamex]

aw mao lage ni nga nahan jd q makahibaw ug mutual funds but too bad naa pako butuan city in mindanao. december pako naa dha..everyday ba ang orientation bro?

Naa man IMG Office diha sa CDO...naka limot ko where ang place.

[phattchoi]

sir dugay raku interested ani.. can you email me more details?

melwinjames@yahoo.com

thanks