Investing in Different Levels of Risks and Rate of Returns..How?

Hi Dear Friends....

Hope you got to read my emails and blogs in relation to investing...
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If you are Age 40, this is still not too late. You still have about 20 Years to do it. We have started our own journey to financial freedom when we are already 50 so you have a 10 year head start. We are also coaching senior citizens and they do can still make it. Of course starting very young like age 22 or even younger like my 14 year old daughter who started age 10 is a major plus. Since we cannot turn back the hands of time, we can definitely start up our kids when they turn 10. An opportunity which our parents were not able to do , but we can for our kids. Let's teach them also the right way to save and invest.

I want you to access through FB Rampver Strategic Advisors so you can be updated on the latest trends of the top Mutual Funds.

Another web page I want you to also access is http://www.icap.com.ph which shows the different investment companies on Mutual Funds.

You will be able to see trends of the different mutual fund companies.

Now, on investing in different financial instruments like Stocks , Mutual Funds, TDs, CDs... these are different investment opportunities with different levels of Risks and Rate of Returns.

As you know, high risks means higher Rate of Return- ROR , No and low risk means no and low returns. So the higher the Level , the higher the Risk but the higher the ROR..

I would advise that you go Level 1 first, then Level 2, then Level 3. Do not go for Level 0.

What are Level 0. These are the no risk low return which is a sure loss. Anything that gives interest earnings of less than the prevailing Inflation Rate is a sure loss. Current inflation rate data for year ended is about 4% (3.8%).

I consider the direct stocks investing we are doing with CitisecOnline as Level 3. We can coach you on this as well.

Level 0 is actually putting your money on the bank SD, TD with guaranteed but very low rate of return ranging from 0.5 to 2% net of withholding tax.

Level 1 is putting it on an Investment Fund with guaranteed returns such as KAISER, and Corporate Bonds.

Level 2 is putting your money on Mutual Funds where you allow a fund manager to handle it for you.

Level 3 is you managing your own funds by selecting and timing your investments and withdrawals.

We have to make sure we will be able to cover all these in time but start with Level 1 and 2 first.

Level 1 will develop the habit and discipline of investing , while level 2 will introduce you to trends and behavior of the market you need to learn to go for Level 3.

There are many mutual funds available in the market... More than 30 in fact. But we have to know which one are best to get into. This means we have to have some level of Financial Intelligence. That is why I call it Level 2. Compared to Level 1 which requires very little decision making .

Now you know this, our very first activity is actually to determine why we have to invest? What is our reason? What are our financial goals?And what is our current cash flow?

I can send through email the financial check up forms you can use to perform your own personal financial check up which you have to do together with your spouse if you are married, and I suggest together with your kid if you have anyone who is at 10 years and above. It would be a liberating activity for the family to do a financial check up and
planning. Scary at first but very rewarding.

So for now, read this over and over, then go the sites I have listed above.

Then, let's work on your financial check up.

God Bless You!