How to invest on mutual funds???

[malic_2]

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Naay mga financial tools nga marecommend ang IMG nga makahatag ana nga interest. Kaiser (long term health care) will give 10% compounding annually and mutual funds gains could vary kay mag agad man siya sa stock market ug uban pang mga securities such as bonds. But a 12% rate is given as a reference point.

As for your investment, as long as you have shares, dili mawala imong investment. Ang shares man ang basis sa imong investment. So for example you invest P5t at P20 ang NAVPS then niubos to P10 ang NAVPS, mahimo na lang P2.5t imong equity but you still have the same number of shares which is 250. So kung mosaka ang NAVPS, mosaka pud balik imong equity. I don't think that the NAVPS will go down to zero gyud. Kung monaog man gani ang NAVPS down to P0.001, still you'll have 250 shares that if di nimo iredeem.

i see nindot pod diay. salamat sir.

[makie]

@malic_2:

Are you in contact with a broker with IMG? If wala pa and if you're interested, we could set an appointment to talk about it. Better yet I'm inviting you sa office, naay presentation didto about building the right financial foundation.

[malic_2]

@malic_2:

Are you in contact with a broker with IMG? If wala pa and if you're interested, we could set an appointment to talk about it. Better yet I'm inviting you sa office, naay presentation didto about building the right financial foundation.

actually naay nihatag nako og calling card taga IMG siya naa sila sa FGU building. kaila ni sa akong partner. but wala pa namo ni siya gi contact.

[makie]

^^Ok. I encourage you to attend presentations sa IMG, nindot kaayo. A real eye opener.

[Metz]

actually naay nihatag nako og calling card taga IMG siya naa sila sa FGU building. kaila ni sa akong partner. but wala pa namo ni siya gi contact.

talk to him bai and he can give you options.

[elatagaw]

^^Ok. I encourage you to attend presentations sa IMG, nindot kaayo. A real eye opener.

correct jud sir, bisan ako after sa first presentation na interest jud ko kay grabe ka useful sa ila gi present para sa ato financial management...

[malic_2]

i got one more question...

example lang ni ha...if mo buy ko og Mutual Fund 5k then applying rule of 72 sa 8% rate, after nine years pa ma double ang 5k w/c is mahimong 10k? sakto ba ko so far?

but since mag fluctuate man ang stock market so dili steady ang rate nga 8% would that mean nga after 9 years dili jud siya ma insakto nga 10k?

[makie]

i got one more question...

example lang ni ha...if mo buy ko og Mutual Fund 5k then applying rule of 72 sa 8% rate, after nine years pa ma double ang 5k w/c is mahimong 10k? sakto ba ko so far?

but since mag fluctuate man ang stock market so dili steady ang rate nga 8% would that mean nga after 9 years dili jud siya ma insakto nga 10k?

Rule of 72 is just for fixed interest rates. Ang pagcompute sa gains sa mutual funds is through NAVPS. Just multiply the current NAVPS to your number of shares held then ang product iminus sa imong total investment.

Here's an illustration

Month 1 - NAVPS is P20 then invest ka ug P5t - you get 250 shares
Month 2 - NAVPS is P30 then additional investment ka ug P6t - you get 200 shares

So all in all you get 450 shares. Now, the NAVPS went up to P40 per share. Since you have 450 shares, imultiply lang na by P40 and you'll get P18000. P18000 - P11000 (total amount invested) = P7000. So imong gain is P7000.

[malic_2]

Rule of 72 is just for fixed interest rates. Ang pagcompute sa gains sa mutual funds is through NAVPS. Just multiply the current NAVPS to your number of shares held then ang product iminus sa imong total investment.

Here's an illustration

Month 1 - NAVPS is P20 then invest ka ug P5t - you get 250 shares
Month 2 - NAVPS is P30 then additional investment ka ug P6t - you get 200 shares

So all in all you get 450 shares. Now, the NAVPS went up to P40 per share. Since you have 450 shares, imultiply lang na by P40 and you'll get P18000. P18000 - P11000 (total amount invested) = P7000. So imong gain is P7000.

salamat sir. interesado kaayo ko ani, ga basa basa nako og sogod. again salamat sa imo time.

[Metz]

i got one more question...

example lang ni ha...if mo buy ko og Mutual Fund 5k then applying rule of 72 sa 8% rate, after nine years pa ma double ang 5k w/c is mahimong 10k? sakto ba ko so far?

but since mag fluctuate man ang stock market so dili steady ang rate nga 8% would that mean nga after 9 years dili jud siya ma insakto nga 10k?

kanang 8% to 12% average yearly performance na siya if long term imo investment. this is based on the stock market history. so most likely mo double imo cash after nine years, but it could be earlier or later as well.

Di man jud na siya guaranteed, estimate or projection rana siya. mokita jud ka kung long term imo investment.
The best part is, conservative ra kaayo na. Ang 10 year average ron is around 15 to 20%.