Understanding Level 2 of Investment:Mutual Fund

Why Invest in Mutual Funds?

A mutual fund is an investment company that pools the savings of individuals and institutional investors who share a common financial goal. These investors buy shares of the mutual fund and become shareholders of the fund they chose. The mutual fund has specific investment objectives and strategies. Investors buy and sell shares of the fund based on the prevailing Net Asset Value Per Share (NAVPS)

Mutual Fund Managers are restricted to put all their investment fund in one security or in a single corporate.

 There are three types of Mutual Funds:

1. Bond Fund - Invested on Government Securities
2. Equity Fund or Stock Fund - Corporate Stocks
3. Balanced Fund - Invested on Stock and Gov't. Securities

ADVANTAGES

»» PROFESSIONAL MANAGEMENT Investors avail of the active professional fund management from full time investment experts. They are backed up by research teams focusing on seizing market opportunities. »» LIQUIDITY Mutual fund shares are redeemable shares. The fund readily buys back shares to be redeemed based on the current NAVPS. Moreover, fund’s portfolio consists of liquid assets mostly marketable securities. »» TAX FREE Earnings from mutual funds are excluded from items classified as taxable income. This is a provision of the Comprehensive Tax Reform Package (CTRP) of 1998. »» DIVERSIFICATION The pooled fund enables it to spread it in various securities resulting to greater propensity to earn more and spreads the risks across the different securities. »» SAFETY The industry is highly regulated by the Securities and Exchange Commission (SEC). Moreover, securities are kept with a custodian bank separate from the management company. The shareholder records are with the transfer agent. An external auditor oversees financial issues.

 »» BEAT INFLATION
Inflation is the  is a rise in the general level of prices of goods and services in an economy over a period of time.^[1] When the general price level rises, each unit of currency buys fewer goods and services. Consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy. 

  »» CAN START SMALL
Can start for an initial minimum investment of Php 5,000.00 (some mutual fund companies Php10,000.00).
And a minimum of Php 1,000.00 or you additional investment.

 »» CONVENIENCE
 Investors can easily view the mutual fund performance thru internet by multiplying their total number of shares bought to the current (NAVPS) Net Asset Value Per Share.

 »»FOR LONG TERM FUTURE GOALS
 For Retirement, Healthcare, Kid's Education, Dream House, Vacation and Business Expansion.

Investing in Mutual fund should be tied up with our future goals.

Investing in Mutual is just like eating a piece of cake.You just let the chef (fund manager) who has the knowledge to bake just for you...

Here's What You're Going To Do If You're Interested to Learn More About Financial Solutions.

Go to this link, and enjoy learnings>>>http://form.jotform.me/form/40234298384458

Or just send your registration information details with the following pattern below:

Name/Location/Occupation/email address/contact number

and send thru any of the following:

Cellphone No's.: 0905-864-0733 / 0929-102-6497

email address: youcanbetrulyrich2@yahoo.com

Level 1 of Investment: "If You Love Your Family Protect Yourself First"

Investing for yourself protection should be your first investment, right?

We call this Level 1 Investing, Why?

Simply because, most Filipinos when they reach their retirement usually don't have any healthcare plan when the real time when they need it comes. We always have these phrases as an excuse, “Bahala na mga anak ko” or “bahala na ang Diyos” that usually comes from our mouth if  we come along with this topic.

It's really a changing world. More and more people, because of materialism mentality and financially ignorant are struggling financially before they reach their retirement. Before, a parent can raise a dozen of children, but now, are we 100% sure that our children can support us in our old age? or would you like to see yourself that you can still support your needs and lifestyle, and more than that, your children can depend on you even you are not working because of age.

So we have to plan for it, as early as we can, while we still can. In IMG, every member should execute what they've learned before going to other investment vehicles. First Level of Investment is Long-term healthcare, it  should be the number one financial need that we must plan for. Imagine that even when we reach the age of 50, 60 or up we already have fund (money working for us) that we can use for our health care needs, not only for you but can be used for all members of the family when it matures.

Level 1 of Investing is aimed to provide solution to the most NEGLECTED need. This should be the FIRST PRIORITY in our financial plan.

There are other reasons why LONG TERM HEALTHCARE PROTECTION is a priority:

• Medical costs doubles every 5-7 years due to inflation (price increase).
•  Even there's a lot of drugstores, medical practitioners, still a lot of sick people die not because there is no medicine and doctors but because of no money.
•  A majority of Filipinos don’t save money for future healthcare needs. I ask you if you still have enough savings for your future?
•  You cannot bring with you the healthcare benefits provided by your   company   when you retire or resign.
•  No traditional healthcare company covers ages 61 and up.
•  Most people rely on their children, or sell properties, or borrow money for their medical needs during retirement.
•  Majority of personal bankruptcy is due to Medical Crisis.

This kind of protection is what you buy when you don't want to use it (would you like to get hospitalized, of course not), but in reality, you can't able to buy it even you can afford to pay, when you need it. Your application will be denied if you're already rendering hospital services and unhealthy, and that's the time when you badly need it.

Are we going to wait before the time of emergency happens before taking our first step?

In a perfect world, there is no sickness. There are no injuries. There is no death. In a perfect world, tragedy, grief and anxiety are absent. Here, you needn't worry about your family's future. Nor would you worry about yours.

In a perfect world, all is as you want it to be "But we do not live in a perfect world". Reality is far from picture-perfect. Sickness, injury and death are part and parcel of our lives. In fact, these are inevitable events in each and every burdens each of us would one day face. In the real world, illness can be financially devastating.

So we have to plan NOW...for our FUTURE... As soon as you were earning, start your first level of investment then continue to plan for your level 2 of investment... Always set priorities while building your solid financial foundation...

If You're Interested to Learn More About Financial Solutions.

Just send your registration information details with the following pattern below:

Name/Location/Occupation/email address/contact number
and send thru any of the following:
Cellphone No's.: 0905-864-0733 / 0998-997-4658
email address: SAVINGYOURFUTURE@yahoo.com

YOU CAN ALSO CHECK AND REQUEST IF THERE'S FINANCIAL SCHEDULES NEAR YOU JUST CLICK THE LINK BELOW:
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THE PARABLE OF INVESTING...

INVEST THE TALENT THAT HAD BEEN GIVEN TO US.

The Parable of the Talents (Matthew 25:14-30; Luke 19:12-28)

13 “Therefore stay alert, because you do not know the day or the hour. 14 For it is like a man going on a journey, who summoned his slaves and entrusted his property to them. 15 To one he gave five talents, to another two, and to another one, each according to his ability. Then he went on his journey. 16 The one who had received five talents went off right away and put his money to work²⁷⁰ and gained five more. 17 In the same way, the one who had two gained two more. 18 But the one who had received one talent went out and dug a hole in the ground and hid his master’s money in it. 19 After a long time, the master of those slaves came and settled his accounts with them. 20 The one who had received the five talents came and brought five more, saying, ‘Sir, you entrusted me with five talents. See, I have gained five more.’ 21 His master answered, ‘Well done, good and faithful slave! You have been faithful in a few things. I will put you in charge of many things. Enter into the joy of your master.’ 22 The one with the two talents also came and said, ‘Sir, you entrusted two talents to me. See, I have gained two more.’ 23 His master answered, ‘Well done, good and faithful slave! You have been faithful with a few things. I will put you in charge of many things. Enter into the joy of your master.’ 24 Then the one who had received the one talent came and said, ‘Sir, I knew that you were a hard man, harvesting where you did not sow, and gathering where you did not scatter seed, 25 so I was afraid, and I went and hid your talent in the ground. See, you have what is yours.’ 26 But his master answered, ‘Evil and lazy slave! So you knew that I harvest where I didn’t sow and gather where I didn’t scatter? 27 Then you should have deposited my money with the bankers, and on my return I would have received my money back with interest! 28 Therefore take the talent from him and give it to the one who has ten. 29 For the one who has will be given more, and he will have more than enough. But the one who does not have, even what he has will be taken from him. 30 And throw that worthless slave into the outer darkness, where there will be weeping and gnashing of teeth’” (Matthew 25:13-30). ²⁷¹

It is a simple story that our Lord tells here. A man who is preparing to leave on a journey entrusts his possessions to his servants. He distributes his wealth among three servants, apportioned to them on the basis of their abilities. To the first he entrusted five talents, to the second two talents, and to the third one talent. The first two servants quickly²⁷² set to work with their master’s money. The third servant did not invest his master’s money at all; he dug a hole in the ground and buried his master’s money. When the master returned, the first two eagerly met their master, apparently delighted in the opportunity to multiply their master’s money.²⁷³ Both were commended as “good and faithful servants”; both were rewarded with increased responsibilities in their master’s service; both were invited to share in their master’s joy.

The master’s dealings with the third servant is a very different matter. This servant came to his master with only the talent his master had originally entrusted to him. He did not increase his master’s money at all. In fact, if this were to take place today, that money would likely be worth less, due to inflation. This servant offered a feeble excuse for his conduct. He told his master that he was a harsh and cruel man, a man who was demanding, and who expected gain where he had not labored. He contended that this is why he was afraid to take a risk with any kind of investment. And so he simply hid the money, and now he returned it, without any gain. The master rebuked this slave for being evil and lazy. He took his talent from him, gave it to the one who earned ten, and cast this fellow into outer darkness, where there was weeping and gnashing of teeth.

We should carefully note the outcome of faithful service, and of unfaithful service, in this parable. Faithful service led to increased responsibilities in the kingdom of heaven, and eternal joy in the presence of the Master, Jesus Christ. Unfaithful service led to condemnation, the removal of one’s stewardship, and an eternity of weeping and gnashing of teeth in outer darkness, away from the presence of our Lord.

One must surely conclude that this parable is not just an interesting story, but a message of eternal significance. Let us listen carefully then, looking to God’s Spirit to enlighten our hearts and minds, and to empower our service, to the glory of God and our eternal good.