Tag Archives: gusto kong yumaman

Starting To Work On Your Success pt. 3

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Goal Setting 3

 

In the previous column, I asked you to compute how much your present lifestyle costs you. We are now on the second and third questions of eight questions you need to ask yourself to help you set your financial goals.

 

2) If you want your lifestyle to improve, how much more improvement do you want?

 

Since we are planning for many years ahead, it is normal that you want a better lifestyle.  This means that you will be spending more for the better lifestyle.  You have to write the kind of improvement you want in terms of your budget.  Knowing what you are already spending today in your present lifestyle, you can have an estimate of how much you have to be spending also today if you have the lifestyle that you want.

 

You will probably wonder and think that in the coming years, the cost of what you buy today will be so much more so why am I asking you to compute in today’s cost.  You are correct and you should consider that factor which is called inflation when we go into the actual preparation of your financial plan.  We will do that later but it is good enough to know how much you would need today for the improved lifestyle that you want.

 

 

  • How much risk can you take?

 

Taking risks with your savings is dependent on your personal orientation as well as your age and the kind of investments you already have.  The general principle is that nobody can be correct one hundred percent of the time.  Everybody makes mistakes.  Therefore, it is very possible that you may choose some wrong investments.  The key is to be able to rise and learn from failure and in effect, turn the failure as a success. And you can always rise from any kind of failure.  Unfortunately however, when it comes to money or business failure, it is only possible to recover if you still have time and energy left.

 

If you are young, you can take more risk because you have the time and energy. However, just because you are young does not mean that you should only invest in risky businesses.  You still have to balance your investments so that if some fail, you will have the chance to recover faster. As they say, never put your eggs in one basket.

 

As you grow more wealth and gain more experience, you can invest in higher risk opportunities only if you can really afford to lose your investment completely.  This means that you have enough investments that, if you lose the risky investment, you can still meet your financial goals. It is almost like gambling.  When you gamble, you know that you can lose that amount completely.

 

Remember, THE HIGHER THE RETURNS, THE HIGHER THE RISKS.  It is easy to be attracted to high returns especially when so many friends and relatives tell you stories about how much money they have made.  So, study your risk options well.

 

ANG PINAKABAGONG LIBRO NG PERA PALAGUIN SERYE pt. 2

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Sinabi ni Mr. Generoso Asuncion na nakabasa ng mga unang libro:

“Simula nang mabasa ko ang dalawang aklat na “Pera Mo Palaguin Mo 1 & 2” nagbago ang pananaw ko sa buhay. Maliban sa mga aklat, pinanood ko rin ang mga payo ni G. Colayco sa YouTube at binasa ko ang artikulo sa website. Ang laki ng pagbabagong ginawa niya sa buhay ko. Marunong na akong mag impok ng pera. Ibinabahagi ko rin ang mga kaalamang natutunan ko sa aking mga anak, kaibigan, kapatid, at mga taong nakikilala ko para malaman nila kung ano ang tamang paraan ng pag-iimpok ng pera para makalaya sa kahirapan. Maraming salamat Mr. Topakits. Isa kang LIWANAG sa madilim na kapaligiran ng kahirapan.”

Sinabi ni K. Cayanong, isang Customer Service Representative ng Convergys Philippines noong 2013:

“Naging masaya ako sa mga natutunan ko sa Colayco Foundation. Nalaman ko na mali pala ang paraan ng pag-aayos ko ng aking mga kita, pero nalaman ko din ang pagkakataon na magsimula NGAYON. Magsimulang mag-ipon at mamuhunan. Nalaman ko ang pangangailangan na dapat siguraduhin ang magandang kinabukasan ko at ng pamilya ko.”

Sana ay makatulong ang mga pahayag na ito upang himukin kayong basahin at pag-aralan, kung hindi para sarili nyo, para sa mga miyembro ng inyong pamilya na mayroong malaking pakinabang sa pamamagitan ng pagkakaroon ng mabuting batayan sa pamamahala ng sariling pananalapi.

 

Sinabi ni Mary Grace M. Orbase, isang mag-aaral noong 2011:

“Ako ay 14 taong gulang, estudyante sa high school at malapit ng maging third year high school, nabasa ko ang libro ninyo, Pera Mo Palaguin Mo! 2. Naging malaking inspirasyon ito sa akin. Natuto at naliwanagan ako sa aking murang edad. Natuto ako kung paano hawakan ang aking pera-na dapat ay palaging may maitatabi. Mabuhay at mapasainyo sana ang swerte. Sana ay marami pang katulad kong estudyante sa high school na makabasa at maliwanagan ng inyong libro J”

Sinabi ni Renz Sumera, isang Lisensyadong Chemical Engineer noong 2012:

“Nakatapos ako ng Chemical Engineering sa edad na 21. Naghahanap ako ngayon ng trabaho habang nag-aaral para sa board exam sa Nobyembre. Nabasa ko ang dalawang libro nyo, Money at Wealth at naging inspirasyon ito sa akin para pahalagahan ang pera at matutong mamuhunan. Di ko na mahintay na magsimulang magkaroon ng active income at mag-ipon ng hangang 20% para sa magandang puhunan. Salamat sa pagsulat ng mga librong ito at sana ay marami pang bagong mga nakapagtapos na katulad ko o mga batang propesyonal ang makabasa ng mga ito at maging insperado.”

Sinabi ni Leonardo Alba, isang OFW galing Abu Dhabi:

“Inuulit ulit ko po ang libro ninyo dahil may mga part na di ko po agad makuha. Pero all in all ay maganda po ang nilalaman nito with matching examples. Sa ngayon po ay try kong apply ang iba kong nabasa sa book.”

Sabi ni Cecilia T. noon pang 2012

“Ang mga libro ninyo ay nakapagtuturo at nagbibigay ng simpleng inpormasyon. Importante ito lalo na sa babaeng katulad ko. Itong librong ito ay isang biyaya. I have learned how to take care and grow the finances of my family.”

Mula kay Anthony Pinaglabanan ng Iowa

“Naimpluwensyahan ako ni Mr. Colayco sa aking pinansyal na kaalaman anim na taon na ang nakakaraan, mayroon na akong ipinuhunan ngayon at ito ay gumagalaw na laban sa pagtaas ng presyo ng mga bilihin at hindi lang pinapaginipan ang pagtaas ng puhunan ko. Ang susunod kong proyekto ay gumawa ng Passive Income dahil gusto kong magretiro ng maaga para makasama ko ang pamilya ko ng mas matagal.”

Nanggaling kay Razmon ng Zamboanga, 2006

“Salamat sa pagpalago n gaming pero kundi pati na rin sa pagbibigay ng kaalaman. Sulit ang pagpunta ko galing sa probinsya para bumili ng mga libro ninyo. Bumiyahe man ako ng malayo, nagbukas naman ito ng malaking oportunidad at pagsasakatuparan. Talagang lumago. Sa mga librong Pera Palaguin naunawaan ko na ang kahirapan ay dahil din sa kakulangan sa kaalaman kung paano aayusin ang iyong pinansiyal na buhay at hindi lamang sa kakulangan ng mapagkukuhanan ng pera.”

Ibinahagi naman ni Simpe Rogie Magana-Co

“Tinuturuan ninyo ang mga tao para magkaroon ng kaalaman sa pinansiyal nilang buhay sa pag-gamit ng simpleng lenguahe at mga praktikal na halimbawa. Patuloy ninyong binabahagi ang mahalagang kaalaman at personal na karanasan sa paghawak ng pera.”

Kuwento naman ni Sarah Jane Mayola OFW

“Matagal ko na po narinig yung Colayco Foundation nung nasa labas pa ako na nagtatrabaho bilang staff nurse sa isang ospital sa Kingdom of Saudi Arabia. Hindi po ako nagkaroon ng pagkakataon para magsimula at mamuhunan. Siguro dahil hindi pa ako handa o hindi pa ako determinadong baguhin ang buhay ko. Ngayon na nandito na ako sa Pilipinas, naghahanap ulit ako ng trabaho sa ibang bansa. Ngayon ko lang narealize ang kahalagahan ng proper investment and savings. Lahat ng ipon ko naubos na po at ako ay call center agent saMakati. Nakakaipon lang ako ng Php1000 every tuwing sahod pero desidido na akong mag-save. Ngayon hindi ko na gagastahin ang ipon ko.”

Sana ay makatulong ang mga pahayag na ito upang himukin kayong basahin at pag-aralan, kung hindi para sarili nyo, para sa mga miyembro ng inyong pamilya na mayroong malaking pakinabang sa pamamagitan ng pagkakaroon ng mabuting batayan sa pamamahala ng sariling pananalapi. Pasyalan ang www.colaycofinancialeducation.com

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ANG PINAKABAGONG LIBRO NG PERA PALAGUIN SERYE pt. 1

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Ang bago kong libro karugtong ng mga libro na isinulat ko ay mabibili na sa National Bookstore at iba pang bookstores at pati rin sa www.colaycofinancialeducation.com

Ang pamagat ng bago kong libro ay nagmula sa mga nauna kong libro. Ang unang libro ay “WEALTH WITHIN YOUR REACH. PERA MO, PALAGUIN MO!” Ang pangalawang libro ay “MAKE YOUR MONEY WORK. PERA MO, PALAGUIN MO!”

Ang pamagat nito ay madaling maintindihan: “WEALTH REACHED.  MONEY WORKED.  PERA MO, PINALAGO MO!” Inalam ng libro ang buhay ng mga tauhan sa unang dalawang libro at ipinaliwanag kung ano ang ginawa nila sa loob ng labing-isang taon matapos nilang basahin ang libro at pinakinggan ang mga payo ko. Mapapaniwala ka na kung nakinig ka noon, sana’y maganda na ang pinansyal na buhay mo ngayon.

Sana ay isa ka sa mga talagang nakinig. Kung hindi naman, hindi pa huli ang lahat. Kunin ang libro, basahin at pag-aralan at maniwala sa sarili na may magagawa ka. Marami nang tao ang nagtagumpay mula sa maliit nakinakailangang ipon.Ang kailangan mo ay Disiplina at Determinasyon.Kaya mo yan. Huwag ka nang maghintay muli ng sampung taon bagoka magsisi ulit dahil wala ka na namang ginawa. Gawin mo na NGAYON!

Ibabahagi ko sa iyo ngayon ang mga pahayag ng mga tao tungkol sa libro.

Sinabi niMr. Hans B. Sicat, Presidente at CEO ng Philippine Stock Exchange:

“Ibinahagi ni G. Colayco ang pananaw ng Philippine Stock Exchange sa pagsulong ng kultura sa pag-iipon at pamumuhunan dito sa ating bansa. Sa pagsisimula at paghihikayat sa mga empleyado para mag-ipon at mamuhunan, nakakapagbigay tayo ng payo sa tamang paghawak ng pera sa ating mga kasamahan na sana ay maituro din nila sa kanilang mga kaibigan at kakilala.”

Ayon naman kay G. Ignacio B. Gimenez, Tagapangulo at Presidente ng PhilEquity Fund, Inc.:

Ang “Wealth Reached, Money Worked. Pera Mo, Pinalago Mo” ay nakahihikayat at nagtuturo.Sa mahigit na sampung taon sa ganitong adbokasiya, ang mensahe ni Topax tungkol sa pananalapi ay lalo pang pinagyaman ng mga tunay na karanasan ng mga totoong tao na ginabayan niya at ng buong Colayco Financial Education. Hindi naman talaga kailangan ng napakalaking pera at pagsisikap para maging maayos ang buhay pananalapi. Ang susi sa pagyaman – oras, pasensya at tamang pagdedesisyon. Higit kailanman ang mga Pilipino ay kailangan maging marunong sa paghawak ng kanilang pera hindi lamang sa pagbili o pag-gastos ng perang pinaghirapan nila peropati na rin kung papaano ito palalaguin. Madaling basahin at indintihin, ito ang libro na makakatulong sa mga Pilipino siyasatinang posibilidad na bukas, magagamit at abot-kaya ng mga ordinaryong Pilipinong kumikita.”

LATEST BOOK IN THE PERA PALAGUIN SERIES

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My new book sequel to the books I have written is available in National Bookstore and other bookstores and even directly from us at www.colaycofinancialeducation.com.

The title of the new book comes from the previous books.  The first book was “WEALTH WITHIN YOUR REACH. PERA MO, PALAGUIN MO!” The second book was “MAKE YOUR MONEY WORK. PERA MO, PALAGUIN MO!”

This new book title is self-explanatory:  “WEALTH REACHED.  MONEY WORKED.  PERA MO, PINALAGO MO!”  The book investigates the lives of the various characters in the first two books and explains what they did in the past eleven years after reading my books and listening to my advice.  It will make you believe that, if you had listened then, you would be in a better personal financial condition today.

I hope you were one of those who did listen.  If you did not, it is still not too late.  Get the book, read and analyze and convince yourself that you can do something.  So many people have succeeded with very little required savings.  What you need is a lot of Discipline and Determination.  You can do it.  Don’t wait for another ten years before you again regret that you did not do something.  You can do it NOW!

I share with you now the various sharing of people regarding the books.

Mr. Hans B. Sicat,?President and CEO of the Philippine Stock Exchange says:

“Mr. Colayco shares the Philippine Stock Exchange’s vision in promoting a culture of savings and investments in the country. By starting and encouraging employees to save and invest, we are in fact contributing to the financial wellness of our work teams which should hopefully be passed on to their immediate environs and communities.”

Mr. Ignacio B. Gimenez?Chairman and President, PhilEquity Fund, Inc. notes that:

“Wealth Reached, Money Worked” is motivating and informative. After over 10 years in this advocacy, Topax’s message of financial freedom is enriched by the real experience of real people he and the Colayco Financial Education team have enlightened along the way. It really doesn’t take a lot of money and effort to be financially comfortable. The key to building wealth – time, patience and good decision making. More than ever Filipinos need to be wise with their money not just in choosing what to buy or how to spend their hard earned cash but in how to grow it. Easy to read and completely understandable, this book will help Filipinos explore the possibilities open, available and affordable to the ordinary income earning Filipino.”

Mr. Generoso Asuncion who has read the past books says:

“When I read the 2 books “Pera Mo Palaguin Mo 1 & 2” my view in life has changed. Asides from the books, I also watched Mr. Colayco in YouTube and read the articles in the web. He changed my life. I learned how to save money. I also share what I have learned to my kids, friends, my siblings and to the people I meet so they would know the right way to save money and attain financial freedom. Thank you so much Mr. Topax. You are the LIGHT in a dark place of poverty.”

  1. Cayanong, a?Customer Service Representative, Convergys Philippines in 2013 says:

“I definitely enjoyed learning from Colayco Foundation. It brought a realization of how badly I manage my earnings, but it also opened the opportunity to start NOW. Start saving and investing. It made me aware of the need to secure my self and my family’s future.”

Mary Grace M. Orbase, a student in 2011 said:

“I am a 14 year old high school student soon to be third year high school student, I’ve read your book, Pera Mo Palaguin Mo! 2. It inspired me a lot. It guides me and enlightens me at my tender age. It really awakened me on how to handle my allowance-that there’s always savings. More power and good luck. I hope there will be a lot of high school students like me that will read and will be enlightened with your book :)”

RenzSumera, a?Licensed Chemical Engineer in 2012 said:

“I just graduated with a degree in Chemical Engineering at the age of 21. I am currently looking for a career while at the same time studying for my board exam this November. I have read your two books, Money and Wealth and it really inspired me to value money and learn how to invest. I can’t wait to start earning active income and saving up to 20% of it for good investments. Thank you for writing those books and I hope that more fresh graduates like me or young professionals will read them and be inspired.”

Leonardo Alba, an OFW from Abu Dhabi said:

“I read your book over and over again because I was not able to understand some parts with one pass.  But all in all the content was good and it even have matching examples.  For now I will try to apply what I have read from your book.”

Cecilia T., 2012 said:

Your books are very informative and has simple information. This is important especially for a woman like me. This book is really a blessing. Natutoakokungpaanoiingatan at mapapalagoang finances ngakingpamilya.

Anthony Pinaglabanan, Iowa said:

Mr. Colayco was the one who influenced me in financial literacy 6 years ago, got some investments now and its working beating inflation and not still focusing to make it happen. My next project is to create passive income as I want to retire early to enjoy time with my family.

RazmonZamboanga, 2006 said:

Thank you for making not only our peramalagobut especially our mind. It was worth the trip from the province to buy your books. I travelled hundreds of kilometers and it had opened a million miles of opportunity and realizations. Talaganglumago. The PeraPalaguin Books made me realize that poverty can be caused by ignorance in managing your finances and not necessarily the inadequacy of financial resources.

SimpeRogie Magana-Co said:

You educate people on how to be financially literate by using simple language and practical examples. You continue to share valuable knowledge and personal experience in money management.

SimpeRogie Magana-Co said:

You educate people on how to be financially literate by using simple language and practical examples. You continue to share valuable knowledge and personal experience in money management.

Sarah Jane Mayola OFW said:

I heard of Colayco Foundation some time back when I was still working as a staff nurse at one of the hospitals in the Kingdom of Saudi Arabia. I didn’t have the chance to start maybe because I was not ready yet or I was not that determined to make a change in my life. Now that I’m back here in the Philippines, I’m applying for a job again overseas. I just realized how important is proper investment and savings. All my savings are gone and for the meantime I’m working as a call center agent here in Makati. I only save Php1000 every payday but I’ve decided to start saving. This time I will set aside and keep my savings.

I hope these statements will help encourage you to read and study my books, if not for yourself, for your family members who have so much to gain by having a good basic education in their personal finance management.  Check out www.colaycofinancialeducation.com for more information.

More on Spending Practices that will put you in Debt

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Temptations away from your financial goals is a second practice that could lead you to unnecessary debt.  Remember that I always advise that you should make your Statement of Assets and Liabilities (SAL) to know exactly where you are in terms of your financial life.  Perhaps you can appreciate your SAL if you consider that it is the same as the SALN (Statement of Assets, Liabilities and Net Worth) that is discussed so often now related to the Chief Justice impeachment hearings.

 

You should also make your Budget Forecast clearing showing your income, your savings and your expenses.  (Income minus Savings equals Expenses).  Knowing your Budget and your SAL, you should make your Personal Financial Plan, which is a target on how much money you should have at a future period of time.  Your Plan should include how you are going to invest your savings to grow your SAL.  As you make your regular SAL at least twice a year, you will understand whether your wealth is increasing or not.

 

There will be so many temptations along the way that can make you forget what your financial goals are.  Most of these temptations will come from your relatives, friends and neighbors who may not be in the same mode of planning for the financial future, as you are.  Their values may not be the same in that they don’t believe in saving.  Or their income might be much higher than yours, in which case they may have more left for expenses than you have.

 

One example where values can differ is how baptisms are celebrated.  Some believe in a big baptism celebration reasoning that it will only happen once in a lifetime.  This is especially true for the first child.  When you decide on a big baptism party, family members and friends will give you their thoughts on what you should have.  Some will say that you should have a special baptism dress, a special venue etc.  All of this will cost a lot of money and will certainly lessen your savings. Your baby will not even enjoy the baptism party.  He might even be uncomfortable through it.  These savings could start off your child’s savings plan that he will enjoy when he really needs it.

 

Those who have better money values would choose a simple quiet baptism.  You do not need to please your family and friends.  Even if they will contribute to pay for the baptism, you could just choose to keep their cash contributions as savings for your baby.  Of course, the cash contributions might not be given if you don’t have a baptism celebration.  If this is true, compare how much you would spend for a simple quiet baptism versus a big baptism. Will the cash contributions you expect more than cover the difference?  Perhaps, if you are sure you will not be tempted by family and friends to spend much more than your budget.

Kabutihan Kapag Kinakalat ang Puhunan

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Simple lang naman ang paraan ng pamumuhunan sa mga MF at UITF. Bibili lang ng mga parte sa kanila. Pero nag-iiba-iba ang presyo ng mga parte bawat araw. Ang presyong ito ay nakasaad bilang Net Asset Value (NAV) ng bawat parte. Saka lang talaga kikita kapag ibinenta na ang mga parteng sa mas mataas na NAV kaysa sa pagkakabili. Nitong nakaraang limang taon, kung titingnan ang takbo ng mga magagaling na mutual funds, tumaas ang halaga ng equity funds ng 12 hanggang 19 porsiyento kada taon; ang balanced funds ay tumaas ng 10 hanggang 13 porsiyento kada taon; at ang bond funds ng 4 hanggang 9 porsiyento kada taon.

Kapag naglagak ka sa MF at UITF, mas mababawasan pa ang panganib ng pagkalugi kung ikakalat ang iyong puhunan. Huwag ilagay lahat sa iisang MF o UITF. Isa pa, pipiliin lang ang sampung pinakamaayos ang pagpapalakad at pinakamalaki ang kinikita. At kung malaki-laki rin lang ang pera, ilagak ito sa iba’t ibang klaseng funds. Halimbawa, imbes na ilagay lahat sa isang equity, o fixed-income o balanced funds, hati-hatiin ito — ang isang bahagi ay ilagay sa equities, ang isang bahagi sa fixed-income funds at ang natitirang bahagi sa balanced funds.

Ang UITF ay bago pa lang sa Pilipinas. Pinatatakbo ito ng isang trust institution, na kadalasa’y isang bangkong may trust license. Hindi lahat bangko ay may ganitong lisensiya. Pinalitan ng UITF ang Common Trust Funds (CTF) alinsunod sa mga patakaran sa ibang bansa. Kaya nga wala na ngayong CTF.

Ang mga trust company ay hindi talaga bahagi ng bangko, kaya ang UITF ay hindi itinuturing na “produkto ng deposito” at sa gayo’y hindi ginagarantiyahan ng Philippine Deposit Insurance Corporation (PDIC).

Ang kinikita lang ng mga trust company ay ang bayad sa paghawak at pamumuhunan nila ng pera, kaya’t obligasyon nilang ibigay sa kanilang mga kliyente lahat ng kinita ng pondo. Kaya nga kadalasan, mas mainam pang maglagak ka ng pera sa trust fund kaysa sa savings account o time deposit sa bangko.

Bisitahin ang www.colaycofoundation.com para sa schedule ng aming mge seminar!

An Investment Coop?

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by: Francisco J. Colayco

Last September 7, our very own Kapatiran sa Kasaganaan Multi-Purpose Coop (KSK Coop) celebrated its 10th year anniversary! From a handful of passionate members, it has grown so much throughout the years. It already has 2000+ members ALL AROUND THE WORLD.

KSK Coop is a very unique cooperative. It provides alternative investing opportunities to income-earning Filipinos who want to protect and grow their hard-earned wealth. It mainly invests in profitable businesses and the members would benefit from the returns of those businesses.

For a brief overview of what KSK Coop is, allow me to share with you this clip from our season ender episode of Nang Magising si Juan.

For more details about KSK Coop, visit www.kskcoop.com

Spending on Gadgets and Insurance

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According to a study from an insurance company, Pinoys prioritize buying gadgets and insurance equally. But why? What are the factors that come into play? And what does it say about our manner of prioritizing needs and wants?

Here’s Armand Bengco, our Executive Director at Colayco Foundation, to talk about the matter:

Want to watch more videos on personal finance? Visit www.pisobilities.tv today!

Mga Puwedeng Paglagakan ng Maliit na Puhunan (Part 2)

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ni: Francisco J. Colayco

*unang lumabas sa Bulgar noong ika-13 ng Agosto, 2009.

Ang direktang pamumuhunan sa stock market ay dapat ipinauubaya na lang sa mga eksperto. Sa MF at UITF, sigurado kang merong mga magagaling na tagapamahala ng pondong walang tigil na binabantayan ang mga parte at seguridad sa kanilang portfolio. Alam ng mga ito kung saan dapat ilagak ang pera mo.

Mas malaki ang kikitain ng perang sa MF at UITF dahil ito ay nagko-compound. Ang ibig sabihin, nadaragdagan at naiipon ang kinikita nito. Halimbawa, ang tubo mula sa pagbebenta ng mga equity o fixed-income security ng MF o UITF ay muling ibinibili ng bagong mga equity o fixed-income security para sa parehong MF o UITF. Kaya kapag ibinenta na ang mga parte sa kanila, patung-patong na ang kinita ng ipinuhunan.

Ang maganda pa, ang mga stock at seguridad na pinamumuhunanan ng MF o UITF ay pinapatawan na ng final withholding tax, kaya’t hindi na kailangang magbayad ng dagdag na buwis ng mga namumuhunan sa kanila. At hindi lang ‘yun — madali pang ibenta at gawing pera ang MF o UITF. Kahit anong oras ay maibebenta ito sa kasalukuyang presyo sa merkado.

May tatlong klaseng MF at UITF equity o stock fund, fixed-income o bond fund at balanced fund. Ang equity fund ay kadalasang ipinupuhunan sa stock market kaya mas malaki ang kita pero mas malaki rin ang panganib. Ang fixed-income fund o bond fund naman ay karaniwang ipinupuhunan sa mga Government Securities at iba pang fixed-income securities kaya mas mababa ang kita pero hindi rin naman ganoon kapanganib. Ang balanced fund naman ay hinahati — ang kalahati ipinupuhunan sa stock market at ang kalahati’y ipinupuhunan sa bond funds o fixed-income funds. Katamtaman lang pareho ang kita at panganib dito.

Ang bawat MF at UITF ay may kanya-kanyang layunin sa pamumuhunan at kanya-kanyang mga patakaran at kundisyon. Mas mainam kung kakausapin muna ang mga namamahala para malaman kung umaayon sa sarili layunin ang layunin ng MF o UITF na pamumuhunanan bago maglabas ng pera.

Dapat ring malaman na hindi kikita ng interes o makakokolekta ng dibidendo habang nakalagak ang pera sa MF o UITF. Kikita lang talaga kapag ibinenta na ang iyong mga parte o shares. Ang pinagkaiba ng presyo ng NAV noong binili ang iyong mga parte at kapag ibebenta na ang halaga ng iyong kinita o nalugi.

Sali na sa aming Investability: Mutual Fund seminar sa ika-20 ng Setyembre, 2014. Mag-click lang dito para sa karagdagang detalye.

How to Find Your Passion

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by: Francisco J. Colayco

*First published in Good News Pilipinas on August 5, 2013

You might recall my advice to people choosing the best business for them. One main factor is the need for “passion” for the kind of business they choose. As time passes, I begin to see more and more how his word “passion” can be misinterpreted or misunderstood.

Let’s look at this further by understanding some ways you can follow in determining your passion. Remember that you are looking at your passion that can be your business.

You can ask yourself the following questions. You will surely have a long list and you will not know everything in one sitting. It will take days, even weeks and months. Keep a diary. Take notes and review what you have written each time you add an entry. Maybe, you will cross out some items as you come to know yourself more each time.

  1. What is it that you really love to do and seem to be good at it? Let’s take the example of cooking. Let’s say you love to cook and are happy doing it. People say the food you cook really looks and tastes good. So let’s say you think that cooking is your passion.
  2. If you in succeed doing it, will you be so proud of yourself? In the case of cooking, each time you are able to make a special dish you are particularly proud of yourself. You practice so often so as not to make any mistake. Your self-pride increases as you continue your love for cooking. Still good for the example that cooking is your passion.
  3. If you do something the complete opposite, will it destroy your self-pride and cause you strong embarrassment? Still in the case of cooking, when you prepare a dish that is really bad, do you say it is because you are not practicing enough? Or is it really embarrassing because your level of expertise clearly is far too low from where it should be? If your standard for excellence is low that you are willing to accept major lapses in your skill, then perhaps, cooking in this example, is not your passion.

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