Ano ba ang Mutual Fund Investing? Paano?

Isa sa mga di masyadong nalalaman ng mga karaniwang Filipino ay ang Mutual Funds. It  is actually a way to invest in the stock market na di mo kailangang maging eksperto sa investing. Ito rin ang sikreto ng mga mayayaman! Imbes na ilagay nila ang pera nila sa bangko, nag iinvest sila sa Mutual Funds.

Ang mga Mutual Fund Companies sa Pilipinas na magandang pasukan ay ang PhilEquity, Soldivo at marami pang iba. Ang Mutual Funds ay may tatlong klase. Yung puro sa Stock Equities ng mga Blue Chip Companies ay Equity Funds ang tawag, at ang mga Investment naman na karamihan sa pautang sa Gobyerno ay tinatawag na Bond Funds at ang combination nitong dalawa ay tinatawag na Balanced Fund.

Ang maganda sa Mutual Funds, lahat ng  ng dapat gawin para maging successful sa pag invest sa stock market tulad ng money cost averaging, spreading the risk by allocating to diversified companies ay ginagawa na ng Fund Managers ng Mutual Fund Companies.  Ang galing di ba?

E ano ba yung Money Cost Averaging? Simple lang yun. Ibig sabihin lang dapat tuloy tuloy ang pag invest ng pare-parehong halaga sa isang regular na interval. Halimbawa sa ibaba, sa loob ng anim na buwan, bawat buwan ay nag iinvest ng 100Php kahit na ano pa ang situation sa market. Hindi kailangang timingan or bantayan ang pag taas o pagbaba ng stock price. Ang kailangan lang ay madisiplinang pag iinvest. Sa halimbawa sa ibaba, makikita ninyo na kahit pababa ang stock price, malaki pa rin ang ganansiya basta tuloy tuloy ang pag invest. I do not recommend a one time big time investing strategy nor trading. Mas recommended po namin ang Money Cost Averaging. At base po sa aming karanasan, mas madali at mas malaki ang aming naging returns so far sa loob ng 7 years na kami ay nag iinvest..

E ano ba naman ang totoong nangyayari sa Stock Market price ng Mutual Funds? Ay napakanda po. Yung paborito po namin na pag investan na PhilEquity ay kumita na sa loob ng limang taon ng mahigit sa 22% average per year from 2007 to 2012! Disclaimer: Hindi po ito pare pareho sa lahat ng panahon. Pwede pong mas mababa at pwede din namang mas mataas. Katulad po ngayong past 12 months pababa po ang trend. Nakabawi lang po ng kaunti recently by end of first quarter 2020.

Sa bandang huli, ikaw pa rin ang magdedecide kung saan mo gusto ilagay ang pera mo. Dalawa lang ang tanong natin para malaman mo saan dapat ilagay ang pera mo. Ito ay kung gaano ka katagal mag iinvest or kailan mo gagamitin ang investment mo? Pangalawa ay kung anong Risk ang kaya mong dalhin. Kung gusto mo ng malaking balik sa pera mo, mas mataas ang risk. Kung mababa ang risk na gusto mo, mas mababa rin ang posibleng return sa investment mo. At sa bawat consideration mo sa katanungang ito, may tamang investment para sa iyo.

E ano naman po ang posible kong maging ipon sa investment? Siyempre, depende yan sa laki o liit ng perang iinvest mo. Kung mayroon kang isang libong ipon kada buwan, maaari kang makaka accumulate ka ng isang milyon sa loob ng 20 taon! Gawin mong limang libong piso kada buwan, ito ay posibleng maging 5M sa 20 taon!!! Liitan natin. Kung may investment kang 20 pesos kada araw, sa loob ng 20 taon ito ay pwedeng  maging mahigit pa sa 2M pesos! Kung isang daang piso kada araw, ito ay pwedeng maging 10.3M!!! Check nyo ito:

Kung gusto mong pasukan ang Mutual Funds kontakin mo ako sa 0920-902-1217 para ikaw ang aking matulungan. O mag eMail sa richbenj.santiago@gmail.com

Tara na Bes...Invest na tayo... Sa IMG pag nag pa member ka automatic meron ka na agad P1000 Initial Investment sa SOLDIVO Mutual Funds. Check po ninyo ito IMG MEMBERSHIP BENEFITS

Start To Invest NOW.

God bless us,

Benj and Fely Santiago

Senior Executive Vice Chairman IMG

Truly Rich Makers Founder

Debt Destroyers Author

How Should I Invest?

People Always Ask Me

Where Do You Invest?

How Did You Invest

Your Retirement Money?

Obviously, We all need to have a coach how to do the proper, complete, and integrated investment. The most important question I sought answer to is not WHERE or HOW...But WHY?

We have to define our GOALS for Investing. I know you and love our families. We love to see their future and ours secured. Thus, our recommended Top 10 Goals are as follows:

The Top 2 I recommend you prioritize to secure your future are: Your Income Replacement or Retirement Fund, and your Long-Term HealthCare. Putting our money in the bank is safe but it is not correct place for investing. Simply because the rate of return is so small , the value of your money is eaten by Inflation Rate. The secret of the wealthy is that they know the "Power of Compounding Interest" They know where to put their money that it will double faster.

These can be done by investing in the first two levels. To understand this more read this: Investing in Two Levels

Now that the WHY has been defined, the investing process must be Consistent and "Disciplined Approach". This is achieved by consistently investing regardless of Market Trend. In other words Money Cost Averaging. How do you do this Money Cost Averaging?

If you want to Know more,

Check this out:

FINANCIAL COACHING

Register NOW. You simply text me at 0920-902-1217 with 

Your Name and Schedule you Prefer.

Or, simply fill up this FORM

I will be more than happy to coach you!

Bo Sanchez' Wealth Circle Advisers Benj and Fely Santiago's Investing Secrets

Do you want to be Financially FREE! Do you want to get out of pestering Debts? Do you want to learn how o make your money work for you? These were our own questions as we are totally lost and wounded financially.

I have been an employee of prestigious electronics companies for about 30 Years. In November of 2007 I ventured into a new career in a less well known, and often times misunderstood company called IMG-International Marketing Group. This transformed me from being an employee to an entrepreneur whose business is about love. It also enbled me to fix my cash flow and invest correctly.

All I can say is that I am "Good Tired" now and I am more financially secured than ever in this new found business. I do not fear the word "Retrenchment, Cost-Cutting, or outright TSUGI"... As I am my own boss. And all I do is share our experience. We go out to many different places to share, to help, and to serve and to love the people we meet. And the best thing about it, we have correct, solid, integrated and very profitable investments! Our secret: The Three Levels of Investing!

In those six years, I am priveleged to have written a book, guested on TV and Radio, and spoken to thousands of people all over the world spreading the transformation and experience I had in my financial status. Helping and serving people change lives too! God has blessed us with explosive blessings that we even earn more now than when we were employed. We travel the world and enjoy the fruits of our investments.

Last week we were with our WSB-World System Builders Team in Los Angeles Convention Center and I saw the 10,000 plus attendees doing the same business and mission in USA and Canada.

This weekend we will be part of the sharers on Bro Bo's "Wealth Summit"  Bonus Day at the PICC. We will share how to build a business for the long haul. I know we have built a business for the long haul for we have built a business about love. The bible says "Love is Eternal" and so is this business that we have built!

If you want to know more about our business and the three levels of  investing, check this out:  Truly Rich Makers Business  or click this to register into our  FREE Financial Coaching

IMG Hong Kong Convention 2011

This blog documents the key learning gathered in the IMG Convention at the Hong Kong Convention Center last January 30,2011.

Rex Mendoza- SVP Ayala Land International.
- " You cannot control the weather but you can adopt yourself to it"
- When we make presentations we must create the right atmosphere, attitude, and the continuing care
- You cannot share what you don't do. You do not have their trust, you are not credible
- Start and end with enthusiasm
- IMG will soon have its own Mutual Fund

Xuan Nguyen- Chairman IMG Corp
- Can we duplicate people in Financial Services Industry? In IMG Yes...
- The problem sometimes is the lack of discipline to the SYSTEM
- In McDonald & Starbucks they have the same exact (100%) system all over the world
- The problem with highly educated people is that they have nothing to learn
- Go to the meeting 2x/week
- Go to the field every day

TEA Story- A monk a scholar was conversing. The scholar say to the monk people say you are very intelligent person. The monk keeps pouring the tea until it overflows. So to be bale to have more, we need to empty our cup. Same with IMG Business, we need to empty our minds of our prejudice and old beliefs.

- Life is ismple but we can make it complicated. Complicated makes us have hearthaches, conflict

- The size of your organization is related to the simplicity of your mind.

- Be coachable

- Why we need to show-up in the meeting 2x/week? We cannot explain bu just show by our example...

- Unless you show up to the office 2x/week...you will die...that is guaranteed- Xuan
- Office & Meeting --> Team Meeting -- BPM & BMP

- SYTEM = DISCIPLINE

- 84% -- 15%--1% Statistics of survival in teh any business in 5-10-15 years. Everything starts then grow then mature

- Our IMG Franchise System : How many MDs you have?

- INVEST your TIME... Thisis why we attend the meetings
MD = 10 Rec/ 10 Sales = Good
30 Rec/ 30 Sales = Very Good
10MD = 100 Rec/100 Sales = Great!

- Are you selling your time or are you investing? A you a Slave of the Industry? Industrial revolution is a massive system that trains peopleto sell their time like nurses...CONSPIRACY of the RICH (Robert Kiyosaki)

- Invest your time to multiply your income. IMG is a business of investing time instead of spending and selling time.

- Money is on DISTRIBUTION.. the world is changing. In the past manufacturing controls distribution... but now it is the other way around... Today the one who sells, controls who manufactures. The insurance industry or Mutual Fund providers rely heavily on YOU!

3MDs = 30 Rec/ 30 Sales
P600,000 x 20% = 120 K
10MDs = 100 Rec/ 100 Sales
2M x 20% = 200K/month

- Your goal should be to become wealthy and noit just to earn additional income...so you should invest time and put your mind into your business.

- LALA Land !!!- Dream , I wish, I wish... graduate in Stanford or Berkeley and live in America

- 14M in US and 1 and 6 sre living in poverty...9.4% and 7.6% in USA and Canada are poor!

- $14 Trillion is total debt with each baby owing $45K...

- 140 in 2009 and 157 in 2010 are faild banks in the USA...

- $ 3.4Trillion or 30K/ household are realty loss and $7.4 Trillion or 60K/household are Mutual Fund loss (USA Data)
for you

- There are only two ways to make money:
1. Have a lot of money tomake more money
2. Have a lot of people to make money for you

- The middle class is fading. The business class is emerging...

- Develop the skill of talking to people and building teams.

_JOIN-OWN-SHARE... We Believe, We Understand, We Recommend...

- Spinning... for meetings and building

Johny Mehrian

- 5 years ago started with WFG. His parents were divorced due to financial stress. His dad fade away from their lives. He was very emotional as a kid. He got into Karate and is a member of the USA National Team. Throughout High School he shared room with his mom and he is so embarrassed. 2-3 years his brother Fedhi is building his team. April 26 his birthday he went to the office to join. It took him 8 months to be MD Club.

2 years ago he had a turning point in his mindset. He had a conversation with Xuan. Sacrifices everyday can be life changing. Small vision builds small people. Vision Strectching makes our vision wider and bigger and builds big people. It is not the company, nor the team that can make this happen. It boils down to US... ourselves...
"Mindset is Everything"- J.M
"Perception is Everything too"

- If you focus on sales you make the same amount of money based on your own effort.

- If you build people your income will be exponential

- It is dependent on how big your baseshop is.

-How many 3:3:30 , How many MDs? How many baseshop do10:10:30?

- Our business is CLEAR, DOABLE, SIMPLE and FAST!!!

- Identify and build your 3:3:30 BBaseshop

Pedhi Mehrian

- April 2011 is his 9th Year in the business. He joined and quit on the same day! His friends told him " OMG they got you too!". This is a pyramiding scheme... his best friend told him. First 18 months of the business he hated recruiting people. One of his awakening moments was when he met an engineer who can save $500/month.

- Most people you sit with do not have enough money to save to make them retire or achieve their financial goals.

- The ace we have against other companies is our capability to recruit people into the business.

- If you want big business, help more families...RECRUIT...

- The only thing that matters is the size of your team or baseshop. ... Build a BIG BASESHOP.. Recruit, Recruit, Recruit... Recruiting is about giving... Recruiting is giving someone a shot to be somebody... (P156 System Builder Book Recruiting Mindset)

- 92% of gym membership gives up in 3 weeks in the USA... it is human nature to quit.

- Military, NBA, do recruiting.. and do not get dismayed if some quits... it's natural..

- When we recruit someone, even if we die or quit ourselves, we will leave a legacy...

- TRAINER'S CREDO on Trainer Manual talks about our Top 10 Reasons why we want to WIN in this business. Use this as our anchor so as not to quit...

- We must be with our Trainees in the field. All of us have negative thoughts. So when they are excited and started to recruit and they get rejected, they have somebody with them... to share the experience and move on...

-You need to take the new recruit to the field immediately. Do not let them swim alone.

- The key is helping a new recruit to FAST START!!!

Xuan Nguyen... Final Session...

- Success of the kid is the happiest success of a parent... You are responsible for your own attitude but it is good to have your father see your success. Xuan is willing to trade millions of dollars just to have his father see his success today.

- Building MD outlets make more money than building franchises like McDo.

- Be persistent... Xuan's brother in law finally joined him after 10 years. He is now 53 and making 100K$ after a year of doing the business.

- Xuan's daughter is now his strongest leg at 200K/ month

IMG Buinsess is too big and too powerful to show to people... It is also baout changing people's lives for generation to come!!!

God bless us all!!!

Money Cost Averaging or Trading? That's the Big Question !

In the most recent Daily Update of Taipan Publishing , Smart Investing Daily, it talked about the validity of the Buffet Method of Investing. That is, check the value of the company you are investing and invest on it for life consistently regardless of the trend.

Here is what Sara Nunally posted on Sat May 21 edition of Smart Investing Daily: " To Buffett, or Not to Buffett... There are many investors who look to investing guru Warren Buffett. They think if they can just copy his strategies, their portfolio might copy his gains. But his strategy might not be appropriate for you. In a sneak peek inside Jared's new book, Your Options Handbook, he talks about time horizons.
.
Each investor should have a time horizon that fits their needs. Thursday's Smart Investing Daily talks about how to form a plan with a beginning, middle and end."

Above is what analyst in the US say. On the local front, Bro Bo on his latest blog about investing into Stock Market as blogged in his daily Truly Rich Club talks about an emerging strategy which combines Active Trading and Cost Averaging. This is definitely a new wave of doing your investments and I fully subscribe to this with a little modification. There are stocks you can pick which fits the money cost averaging, and there are stocks that you can choose to trade. And, more importantly, trade only the amount you can take risk. Those that have the widest variations in a day are good candidate for trading, while the consistently within the minimum and maximum resistance levels are candidates for money cost averaging.

Bottomline is, we really have to study and learn the intricacies of getting into stocks market. Better yet, we need to make sure we have a coach to lead us the right path and we make an informed an intelligent decision. If you need one, don't hesitate to contact us.

God bless!

Investing In Philippine Mutual Funds Made Easy...

Mutual Funds are not so popular investment vehicle in the Philippines for many decades. In fact, I for one did not learn about this more especially how to get into it till about four years ago. But, this is changing. More people are getting educated on what is Mutual Fund, which companies provides this, and how to get into it. One more important thing to note is that it has become easy to invest in Mutual Funds even if you are outside the country.

There are several thousands of Mutual Fund providers in the USA. Our country has just a little over 30 providers. The performances of the Mutual Funds varies as each fund manager have their own favorite sectors, and employ different strategies to generate the fund earnings. If you are to invest in Mutual Fund (MF) on your own, the first thing you must learn is what among the MF is performing well. Performance is measured on the Rate of Return to Investments. You can check this out on www.icap.com.ph. Better yet, get a coach who can show you what is best to get into, and from there learn it by yourself how to monitor the performance of the Top 10 Providers. In the past three years, the best are: Philequity (PEMI), First Metro (FAMI) and Philam Asset (PAMI). I have tracked their performance since their inception and the returns beats many alternative investment vehicles. My favorite MF is Philequity that showed an average 22% ROI since 1995. In the last two years, it had a "boombastic" performance averaging more than 50% along with FAMI and PAMI. Believe it or Not! It's true, and it's good!

The next thing you need to learn is how to get started in it. Some banks who are linked with the MF Providers is an alternative way. The other way is to go direct to brokers. And for me the easiest way will be to go to IMG or their independent representatives for guidance. You will need to fill up forms and submit copies of two valid identification cards such as driver's license and passport. The investment for FAMI and PEMI can be as low as 5000PhP, while it is 10,000 PhP for PAMI for the first investment , Succeeding investments can be as low as 1000Php only! This is very manageable, affordable, and better alternative than putting your money on savings account. You can remit your investments through bank accounts for each of the funds. I can provide you with more details about this. Just contact me. Or you can have your relatives in the Philippines do the placement for you. You just have to make sure you fill up the forms which you can conveniently download from the web page of Rampver Strategic Advisors or their Facebook account RSA.

So it is that easy, right? Of course, before you get into this Mutual Fund investing, you also must have a total financial plan, and well defined financial goals. I can coach you how to do do it right. Just send me an email.

God bless!

7% in about 3 Months!

Beginning of the year showed a slump in the Stock Market as the PSEI went down from about 4200 to 3800 Index Points. Now, it has gone back to 4200 level and is poised to break this current ceiling regardless of what is happening with the Oil and Gold prices. Once again, the guru is proven right... do not time the market...just keep on investing.

One favorite Mutual Fund we have (FAMI) already had a 7% rate of return! 1M Php earned 70,000Php in just 3 months. 7% gain is what you can get in 2 years at about 2.5% TD (Time Deposit) rates. Is that good or good? Will it help you make more money from your savings and investment? Is it safe? Is it legal? The answer is simply YES and, the best thing about this is it is net of tax!!!

My fearless forecast... the projection of the financial experts that we will breach the 4500PSEI level by end of this year will come early. This is because the US economy is shrinking and a lot of people are in debt which will pave the way for investors in the US Market to find alternative Asian Markets. With our dollar reserves , good government image on anti-corruption, and many infrastructure opportunities... our country , our market is one attractive nesting place for external investors as well as our compatriots who are expats abroad looking for investment opportunities away from USA..

So keep those investments coming!

God bless!