19/04/2020
Paano nga bang mag-compute ng earnings sa Mutual Fund?
Ang MF Prices used below are actual NAVPS of 2/1995 and 2/1/2019 of the fund, na isa sa partner Mutual Fund ni IMG. This is 24 years Long Term Investment.
Sa sample computation, each investor invested different amounts, one time, on same date. There were investors, knowledgeable ones, na hindi nag-pull out ng investment in spite of the 2008 Global Financial Crisis that affected the Philippine economy in terms of declining exports, remittances of Filipino workers and foreign direct investments.
Pero meron ding kinabahan na ng mag-start ng bumagsak ang market in 2007 until the market crash in 2008, ang nag-pull out ng investment.
Very volatile ang movement ng market as you can see sa graph, up and down. Ang pinakababang pagbagsak after ng pagtaas, ay in 2008-2009 ( #3 sa graph). Pero in the long term, walang pinuntahan kundi paakyat pa din. Bakit? Dahil naka-invest sa blue chips companies. Kaya sa pag-i-invest, kelangan ng knowledge, discipline and patience.
And for those who stayed in the market from 2/1995 until this year, how much na ang value ng investment nila? From P1.10 per share, last 2/1/2019 ay naging P39.51 na.
Kung ikaw ang investor na until now are still invested in the fund? Your 100K in 2/1995 ay P3.6M na last 2/1/2019. At kung meron kang investment na P1M in 2/1995, hindi ka natakot kahit nagkaroon ng market crash, P36M na last 2/1/2019.
Kaya bakit lalong yumayaman ang mayaman na? Financial literacy po meron sila na wala ang marami sa ating ordinary Pinoys.
Do your own computation. Using the price per share na ginamit ko coz actual price yan. Meron kang pera in 1995, alam mo na ang mutual fund that time, at dito mo na-invest, magkano na sya ngayon?
Kaya kung meron kang perang hanggang ngayon e sa alkansya o kaya sa ilalim ng unan at kung saan-saan pa nakatago sa matagal ng panahon, pag-aralan kung paano ito mapapalago ng tama. O kaya nakalagay naman sa savings na ang interest ay wala pang 1% per annum. Kung nasa 1% ang interest, kalian dodoble ang ipon? Sa Rule of 72 ni Albert Einstein, divide the number 72 by the annual interest rate, gives you the number of years for the money to double. So 72/1=72 years dodoble ang pera. Aabutan pa kayang buhay ang pagdoble ng pera? Kaya pag-aralan kung saan makikita ang 4%, 8% or 12% interest per annum. At 12%, money doubles every 6 years, 72/12 = 6
Kaya Millennials, ano pa hinihintay nyo? Mag-aral na. Sa mga hindi na millennial, sa mga parents and grandparents, there is no such thing as too late in investing kung para sa pamilya. Ang importante mag-start na.
Kaya be financially literate. Attend our free financial seminar. We have financial centers and educators all over the Philippines and all over the World. Meron ding webinars for those places na wala pang financial centers. Comment or message me for seminar schedules and venues
At pag nag-join pa sa IMG, ZERO load pa on all mutual fund investments, initial and additional. Me FREE investment seminar and market update pa.
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