Tag Archives: how to invest

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

Ibenta ang Hindi Kailangan

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ni: Francisco J. Colayco

*unang lumabas sa Bulgar noong ika-2 ng Marso, 2013

Sanay tayong lahat sa ating paraan ng pamumuhay. Kung may mangyayaring malaking pagbabago, hindi madaling masanay sa bagong kalagayan. Lalo na kung pera ang pag-uusapan.

Kung dati kang mahirap, at nagkaroon ka ng maraming pera, kailangan mong baguhin ang pamumuhay. Magandang pagbabago ito dahil mas marami ka nang pera kaysa dati, pero makakaapekto pa rin ito sa pang-araw-araw na buhay.  Halimbawa, baka hindi mo magawang gumastos nang husto kahit may pera ka na. Maganda ito dahil mas malaki na ang maiipon mo kaysa dati. Kailangan mo itong tandaan.

 

Sa kasamaang palad, ang mga taong nakaranas ng biglang yaman dahil nanalo sa lotto ay hindi sumusunod sa prinsipyong “Kita – Ipon = Gastos.” Kadalasang nauubos agad ang napanalunang pera dahil hindi naman nila iyon pinaghirapan at hindi nila naiintindihan ang halaga niyon.

 

Mas nakakalungkot kung dati kang may pera ngunit nawala ang lahat ng yaman mo. Tiyak na magiging mas mahirap ang pagbabagong haharapin. Kalimutan na muna ang kaginhawaan at karangyaan ng nakaraan. Kailangan mong harapin ang kasalukuyan at mamuhay nang angkop sa iyong kakayahan.

 

Kung may mga utang ka na mahirap bayaran gaya ng credit card, kailangan mong harapin ang katotohanan at isipin kung saan kukuha ng perang pambayad. Sa puntong ito, maghanda kang ibenta ang kahit anumang pag-aari mo. Isipin nang mabuti kung ano ang pwede mong ibenta para mabayaran ang utang. Posibleng gustuhin mo na maging optimistiko at maghintay na lang tutal maaayos din ang lahat. Pero sa katunayan, bawat araw na nagdadaan, lumalaki ang utang mo dahil hindi tumitigil ang pagpatong ng interes at mga multa.

Huwag nang mag-atubili at ilista lahat ng mga pag-aari mo. Maghandang ibenta ang mga pag-aari na hindi nagagamit o hindi nagbibigay sa iyo ng kita. Maging pursigido sa pagbenta ng mga pag-aaring ito at gamitin ang cash para bayaran ang utang.

 

Siyempre, mas mainam kung magagamit mo ang pag-aari para kumita ng pera imbes na ibenta iyon. Halimbawa, kung may kotse ka at may utang ka, pwede mong iparenta ang kotse para bayaran ang utang. Pero kung masyadong malaki ang utang at hindi makakatulong nang husto ang kita mula sa pagpaparenta ng kotse, mas mabuting ibenta na agad ang kotse. Mababawasan na ang utang mo, titigil pa ang deteryorasyon ng kotse.

Bisita na sa www.colaycofoundation.com para sa schedule ng seminars ng Colayco Foundation!

Nang Magising si Juan Episode 9 Sneak Peek

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by: Francisco J. Colayco

Last Sunday, Ariel and I interviewed Landbank’s Vice President Mr. Josefino “Joji” Cerin to find out what options there are for retirees in Landbank. It was a most interesting exchange of ideas for medium level investors. In summary, Mr. Cerin clarified the various options particularly Unit Investment Trust Fund (UITF) with a minimum requirement of Php10k. There is a good possibility of making money especially over the medium to long term of 3-5 years. However, losses are also possible if you sell at the wrong time but it is unlikely to end up with a complete loss of your investment. Ariel was not interested in the interview because he was uncomfortable when he could not understand. That was a bad attitude but I cannot force anyone to learn if they are not interested.

In another situation, Ariel had the right idea of trying to use his assets to earn him some income. Of course, because of his unthinking ways, it was not the best business, but at least he was trying, in converting his garage into a dancing place for senior citizens. Unfortunately, one of the senior citizens collapsed while dancing. She did not want to go to the hospital because she did not have any savings or insurance to pay for the medical expenses. Ariel with his good heart tried to help her but his funds are limited as well. The lady who fainted advised Ariel to prepare for his future.

On Sunday, July 13, Ariel and I will return to Landbank to ask for more products and options for each Filipino to grow their wealth. It will be a very interesting meeting where you will learn more about bank products that can give you better returns on your money than just leaving your savings in a savings account.

Catch Nang Magising si Juan this Sunday, 8:00 am at GMA News TV!

Nang Magising si Juan would like to thank it sponsors Bulgar, Bounty Fresh Chicken Chooks-to-Go, Mang Inasal, Landbank of the Philippines, and many more!

The Battle Wages On!

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by: Art Ladaga

Photo courtesy of RTVM.gov.ph

Twenty-seven years ago, the Filipino people triumphed in overthrowing two decades of oppressive dictatorship. Democracy was restored not through guns, tanks, or any military arsenal, but through flowers, rosaries, and one unified desire. People Power I was proof that when people band together- known as the Power of One– they can create miracles and liberate a country from tyranny.

Twenty-seven years after People Power I, many of our countrymen remain within the shackles of financial tyrants. This is the new battle being waged: the battle for financial freedom! According to Francisco Colayco, financial freedom is when you can maintain your desired lifestyle without the need to work. Only in eradicating these three tyrants will financial freedom be realized.

 

POVERTY: Poverty is a lack of basic necessities, but it is also more than that. According to Nobel Prize laureate Amartya Sen, poverty is also capability deprivation (i.e. not being able to do anything and be productive). One reason why there’s capability deprivation is due to lack of education. Education enables us to recognize opportunities for active and passive income. Sadly, our present educational system grooms us to be hardworking employees. There will come a time that you can no longer work. You might be earning six or seven digit salaries now, but when you retire, you will not be able to maintain your lifestyle without passive income. Thus many people remain poor because they do not know how to utilize earning income actively AND passively!

FINANCIAL IGNORANCE: Having a lot of money does not guarantee financial freedom. Knowing how you use and grow it makes a significant difference in your financial life. In a recent study, Citibank reported that the country’s financial score was 53 out of 100. This means that more Filipinos are now becoming savvy in handling their finances. This is definitely good news, but we cannot be complacent.

The massive financial scam in Pagadian City (2012) was a major eye-opener to the dangers of financial ignorance. In the website of Philippine Daily Inquirer, I read about a man in Pagadian City who committed suicide three months ago. He invested all of his retirement money in an opportunity he did not fully understand. When the culprits had gotten away with his money, he experienced depression to the point he decided to end his life! If spending on seminars about money and investing is expensive, financial ignorance is 1000 times more!

GREED: If your only goal in life is having lots of money, you have a major problem! Seeking money for itself poses a real internal dilemma. The Buddha once remarked, “Greed is any imperfection that defiles the mind.” Indeed, how many lives and relationships were ruined because of financial greed? Greed entraps you in a vicious cycle of acquiring. You cannot stop gorging on money because it’s never enough. That is the delusion of it! Eventually you will reach a point that you will internally “blow up,” wrecking your life and the lives of others in the process. In the effort to obtain everything, you lose everything!

 

Photos courtesy of Pinoy Exchange.com

The battle for financial freedom is an ongoing-battle. Financial freedom for our countrymen will only be attained through eradicating the three tyrants. Defeating all three is not easy, but it’s not a hopeless cause. Learning from People Power I, only through the Power of One will these three tyrants fall. And it will be possible if all Filipinos will fight as one, under the banner of FINANCIAL LITERACY!

Financial literacy opens the doors to various earning opportunities, thus helping eradicate poverty. You also become more competent and knowledgeable in handling money, thus helping eradicate financial ignorance. And you become goal-oriented in earning money, thus helping eradicate greed. Only through learning proper financial management grounded on proper values can we expect the rise of a ONE WEALTHY NATION!

Photo courtesy of Manila Standard Today

Thus, THE BATTLE WAGES ON!

Sources:

Alipala, J., & Umel, R. (2012). Teacher kills self after losing all his money in scam. Inquirer Global Nation. Retrieved from http://globalnation.inquirer.net/56146/teacher-kills-self-after-losing-all-his-money- in-scam?ModPagespeed=noscript

Dumlao, D. C. (2013). Filipinos more savvy about finances, study shows.  Inquirer Business. Retrievedfrom http://business.inquirer.net/105779/filipinos-financial-quotient-at- record-high-online-poll-shows

*Continue the legacy of EDSA! Achieve financial freedom NOW. Colayco Foundation for Education Inc. is offering two financial seminars  this March 23: INVESTability: Stock Market and INVESTability: Mutual Funds. Just click the links for more details about the two seminars.

* Art Ladaga is the current Programs Officer of the Colayco Foundation for Education, Inc.

Women & Money

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Reminiscing events from 1 year ago and the product of a moment.

I was initially unbelieving that it was me she was calling when Suze Orman invited ”the Filipino author who is present here” to the stage during her February 25 talk (2012).

I do not know Suze Orman personally although I enjoy watching her shows.  I did not know that her friend Doris Ho, whom I also just met that morning gave her my set of books when she arrived in Manila.  After the short conversation on stage, I sent a text to our Executive Director Armand Bengco, who was at that precise time in Hong Kong talking to our KsK Multipurpose Cooperative members.  I texted him that an amazing thing just happened!  Suze Orman, Top USA Financial guru invited me to join her on stage this morning as she was giving a talk sponsored by BPI at The Fort.  Suze gave a terrific talk and it was almost unbelievable how much she cares for Filipinos and has the same line of thinking in personal financial education as I do.  Suze committed to help us educate more Filipinos and I look forward to an active collaboration with her!

Of course our excitement was and still is pitch high and this article that just reached me is a perfect way to share with you what kind of a person Suze Orman is.  I am definitely proud to have been singled out by her during that talk and I look forward to a collaboration with her on our common mission.

 

 

 

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FEBRUARY 25, 2013

Meeting Suze gave the push needed for a new book to come about – Easy Money Para sa Kababaihan, ang natatanging libro tungkol sa pag-hawak at pagpapalago ng pera na para sa babae!

 

 SRP Php95 – Available very soon in all leading bookstores

 

 

SUZE ORMAN GAVE FILIPINOS A MONEY TALK

Published in ENews of Asia Society

March 1, 2012

Suze Orman, America’s most trusted financial advisor, was in town last February 25 to give a talk on taking control over one’s personal financial power. Approximately 700 guests filled the NBC tent Saturday morning to attend the Bank of the Philippine Islands event and listen to the “one-woman financial advice powerhouse” as described by US Today. A two-time Emmy-Award winning television host, she was in Manila to keep a promise made to her friend Doris Magsaysay-Ho, chairwoman of Asia Society Philippines, to help and inspire Filipinos in their need for financial literacy.

 

“Hope is not a financial plan,” stated Orman who highlighted the jackpot-mentality that some Filipinos have when it comes to their money. One shouldn’t rely on the lottery and simply hope for the best or simply keep the money in your house safe and sound; you need to take control of the opportunities available when it comes to your finances.

Having been raised in an unruly neighborhood on the south side of Chicago, Orman was no stranger to poverty. She used to live in her car and waited on tables earning $400 a month for seven years until she dreamed of owning a restaurant of her own at the age of 30. Having heard her dream, one of her regular customers collected the contributions of other customers tantamount to $50,000 to lend to her for 10 years without interest. She took her money to Merrill Lynch to put in a money market account but the broker made her sign papers to make it seem like she was a sophisticated investor who was qualified to invest in stock options. Within three months, she lost the money.

Realizing she couldn’t pay back the $50,000 with her job as a waitress, she applied as a broker  at Merrill Lynch and was hired due to the affirmative action that the company had to hire women. However, her boss informed her she would be fired in 6 months.

 

Studying as a broker, she learned that it was part of law as a broker not to invest someone’s money in a way that he/she could not afford to invest it. She proceeded to sue Merrill Lynch for the bad handling of her $50,000 and because of the ongoing case, Merill Lynch could not fire her.

“Always do what is right than what is easy,” she said. The broker who lost her money was let go, her boss moved on and in 2 years she became one of Merill Lynch’s top producers and earned her $50,000 back with 18% interest.

For young people and their finances, Orman expressed the importance of saving a portion of their earnings regularly as early as possible. “The quickest way to get rich is to get rich slow.” stated Francisco Colayco, a well-known author who was brought to the stage by Orman herself. There isn’t a get-rich-quick formula to achieving one’s wealth, but wealth can be gained by saving and investing continously slowly but surely.

On the Philippines, Orman stated we shouldn’t go the way of the US where they allowed their economy to grow on credit, lending to people who could not afford to pay it back. “Build this country on cash so that it could never collapse, then you can change lives,” she said.

Orman’s talk and very first appearance in the country that day to the 700 guests and employees of BPI indeed proved to be a success. Her message has provided inspiration to those who seek to gain financial freedom.

Ang Perks ng Pagiging Single

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ni: Art Ladaga

Pebrero na naman. Para sa mga may in a relationship status sa Facebook, panahon ito ng paggunita ng pag-ibig. Tataas na naman ang presyo ng mga chocolates, flowers, at anu-ano pang binibigay kapag Valentines day. Hindi rin nawawala ang mga radio requests ng mga cheesy love songs moderno man o hindi. At bumabalik muli sa uso ang paggamit ng mga gasgas na pick-up lines!

Ang itsura ng aking mga pin buttons, ayon sa ‘king pagka-alala

Sa kasamaang palad, hindi ito ang realidad sa karamihan ng mga single.  Ibang holiday pa nga ang ipinagdiriwang nila kapag February 14. Ito ang S.A.D. o Single Awareness Day! Marami silang iniisip kung paano gunitain ito: may naglalasing, bumibili ng mga bulaklak para lang ibigay sa sarili, at nagsusuot ng anumang bagay as an expression of singlehood. Noong nag-aaral pa ako, may suot nga akong dalawang pin buttons na nagpapahayag ng pagiging miyembro ko sa Samahan ng mga Atenistang Walang Iniibig (S.A.W.I.) at sa Samahan ng mga Atenistang Palaging Umaasa Lamang (S.A.P.U.L)!

Mahirap ang buhay single. Madalas, gusto mong magwala kapag napapadaan ka sa dalawang magkasintahang nagpi-PDA o Public Display of Affection. Nagseselos ka rin kapag nakikita mong naka-post sa Facebook ang pictures ng iyong kabarkada kasama ang kanyang minamahal. At siyempre, masakit din ang hindi gumastos ng pera dahil wala kang ka-date sa February 14!

Mahirap talagang maging single, pero talaga bang kasuklam-suklam ito?  Kung iisipin mong mabuti, may benefits din kapag wala kang minamahal!

Una, hindi mo kailangang gumastos kapag February 14. Wala kang dahilan para magluwas ng pera. Sa totoo lang, puwede namang gunitain ang Valentines Day nang hindi gumagastos. Nakasanayan lang na dapat gumastos ang dalawang magkasintahan para maging “special” ang holiday. Tingnan mo nalang ito kung anu-ano ang ginagastos nila para sa isang date:

Kung single ka, hindi ka na mag-aabala sa mga gastusing iyan!

Mas madali ring mag-ipon. Mas maraming pera sa bulsa mo dahil wala kang pinaggagastusan. Mas marami ka pa ngang options kung paano gamitin ang pera mo. Halimbawa, puwede mong gawin ang emergency fund mo para may pagkukuhanan ka kung sakaling may masamang mangyari sa iyo.

At ang huli, mas madaling lalago ang pera mo. Hindi ka mahihirapang mag-invest dahil wala kang pinagkaka-abalahan. Puwede kang mag-invest sa mutual funds kung nakapag-ipon ka na ng P5,000! Maganda ang naging performance ng mutual funds kahit hindi garantisado ang kita.  Umaabot ang kita mula 10%-30% kada taon! Kung nag-iinvest ka ng P1,000 kada buwan sa loob ng 40 taon, puwedeng lumago ang pera mo ng P97,000,000!

Kita mo na? May perks sa pagiging single. Makakamit mo ang yamang nais mo kung alam mo paano palaguin ang pera mo. Sabi nga ni Francisco Colayco, “Huwag magpapahuli,” dahil maganda ang takbo ng ekonomiya ngayon. Sa halip na magmukmok ka sa tabi, sumakay ka na sa tren ng paglago! At mangyayari lang iyan kung alam mo paano palalaguin ang perang hindi mo ginastos!

*Huwag nang magpahuli sa tren ng paglago! Sumali na sa Pisobilities at INVESTability: Mutual Funds seminar sa Pebrero 16, 2013! I-click lang ang mga links para sa karagdagang mga detalye. Tumawag na sa 637-3731, 637-3741, o 09178088857 para mareserba ang inyong slot o para sa mga karagdagang katanungan!

*Si Art Ladaga ang kasalukuyang Programs Officer ng Colayco Foundation for Education, Inc.