Investments

Planning A Forestry Investment In Brazil

Whatever investments you will make the aim of it is always to expand wealth. Forestry investment is one of the many investments where you can double or triple or even expand your wealth more. The difference of forestry in all other investments is that with forestry there is a significant growth in wealth.

Natural wealth especially forestry continues to flourish year after year, regardless of situations outside the forest. The Financial markets may be a roller coaster; it may rise and fall which can result to profit and loss. However with forestry investment your wealth grows. A forest cannot be stolen nor shifted; it is always there. You will be surprised each year as you visit your forest, how much trees have grown.

Speaking of forestry investments, Brazil has a lot to contribute. Brazil’s Government launched a new international investment fund designed to help tackle deforestation in the Amazon rainforest. This is a step that was welcomed and hailed by environmentalist.

It has been discussed by the Brazilian Government Officials that the said fund will target to raise up to £10.5bn by 2021 from international governments and businesses. This will be managed by Brazil’s National Development Bank. In less than 8 years forestry returns is expected to flourish. This is because studies have proven that forestry returns are not correlated or negatively correlated with returns of financial assets such as stocks and bonds. The number of forestry investors have risen significantly and the three key reasons are; competitive returns, low risks and it adds diversification from financial assets

For 50 years and counting, Greenwood Management has shown considerable returns in timber investments, outperforming most global bond and equity indices. With good forestry management practices in place you can be rest assured that your assets will keep on growing year after year. Investors will have a free option of either buying forestry directly from us or invest into forestry units. This will give smaller investors the opportunity to invest directly into forestry. Greenwood’s project with Brazil is expected to have a great impact on forestry investments. Read more…

Commodities Funds Can Be Your Investment Option

Are Commodities Funds Good to Invest?

Commodities funds are an intergovernmental financial institution established by the United Nations Currently, the Fund is a partnership of 106 Member States and institutional members including, the European Union, African Union , the Common Market for Eastern and Southern Africa and the East African Community. Commodity funds are an interesting, and rewarding, way to diversify your investment portfolio beyond stocks and bonds, it’s because commodities are often viewed as a hedge against inflation. Not all the funds are so attractive to investors like the safe investments.

When you say safe investment, these are your investment safely kept in the bank or invested in the bank to gain interest. When you invest for a business you don’t always get what you want to get, remember, there is no stable business.  When I say no stable business, I mean all. That does not exempt commodities funds and growth funds.

Commodities funds have cons and pros. Commodities offer portfolio diversification. Commodities also offer upside potential. The raw materials used in construction, agriculture and many other industries are subject to the laws of supply and demand. If the demand goes up, prices generally follow, resulting in a profit for investors.  Finally, commodities funds offer Read more…

Do You Think Of Safe Investments?

Safe Investments, Are they Really Safe?

In today’s chaotic world people are looking for security. In an earlier guide we focused on CDs and Treasuries. There are some advanced traders that make short-term bets on the rate movement, however outside of that people are looking for yield and safety. Safe investments are Government backed and will guarantee you a predetermined interest rate and return on your money.
If you need to know what are safe investments as opposed to high risk investments, there are many qualified consultants who will be able to give you some sound advice. Their advice would greatly help in order for you to have a better option. Growth funds are mutual funds which aim to achieve capital appreciation by investing in growth stocks. Their main focus is companies which are experiencing significant earnings or growth in revenue, rather than companies that pay out dividends.
Growth managers are willing to take more risk and pay premiums for their stocks just to build a good portfolio of companies with above-average earnings momentum or price appreciation. But the question is, is it  safe investments? Another government fund is the commodity funds; they are an interesting, and rewarding, way to diversify your investment portfolio beyond stocks and bonds. The reason is that commodities are often viewed as a hedge against inflation. Commodity funds are very volatile. Read more…

Don’t Know Where To Start? Stock Market Investing Tips Will Help You!

Learn Stock Market Tips

For newbie in stock market, as strong start is to have stock market tips. Now, how do you get these stock market tips? There are lot of ways and to begin with, you can ask those people you know who are involved with the business and get their personal stock market investing tips. Now if your are bookish type of person, you may read lots of book in the library about stock market leading you to page to page stock market tips? But in my own point of view, there is no other easier way to get tons of stock market tips and that is to do it online.

Where can you get best sites for stock market tips or stock investing tips? Get it easily, just visit Read more…

Stock Market Tip and Investing Advice

Stock Market Investment Advice‘ is a white paper report featuring secrets of the world’s top investors, including the trailing stop and scaling strategies.-www.investmentu.com

Stock market investing advice

Beginner stock market investing advice is far popular already in the internet. The individual investor will find it hard to make money in stocks. Almost  many individuals are ready to invest in stocks right now. Yet to make lots of money means you need to study and studying takes motivation, which is very hard if all you want to do is impatiently throw your money into stocks.

If you hate to study then here are some stock investing tips.

Throw out the rulebook as there are no set rules for investing and there are no guarantees of success.

The best analysts are those who make informed decisions because they have detailed Read more…

House and Money Investing

Do you want to build a home? The one that is of standard and does not require a lot of money-work? You better start to invest in a manufactured home. Because of the past financial crisis, many people suffered from their mortgages in their housing loans. So other investors thought of refurnishing those cheap manufactured homes (aged 5 to 25 years old) and later on sell them at a higher price with a mark-up price of 25%! Good idea in investing money, isn’t it?

You can guarantee that it is of quality as it is built with specifications and standard materials. Once it is done, one can simply move the house to the place or lot where they want it. It is good if they have invested on land already. It is possible that buyers can have a $4000 savings on it depending on their location. That’s a great savings!

There are things to consider in the location before you move the house. You need to check the most basic necessities like electricity, water, light, gas, sewer connections. All of these need to be incorporated or installed in the house. So make sure as before selling it, you have already fix these things.

Take this recommended budget of $110,000 to remodel a manufactured house and you can sell it at $185,500 after all those property and insurances taxes deducted from it. So you may try to partner some construction companies and check how you could work out with the budget.

FOREX Trading for Pinoys

A few days before the month of October ends, I opened a “mini” account with Millennium Penata Futures of $1000, that’s around, Php 50k thru a friend broker. I had been practicing and learning the basics of FOREX trading as well as its terminologies thru a demo account.

So far, I know, that FOREX has a very volatile and liquid market and we all know, it’s risky. Some say, it’s better than stocks. Partly, true! High returns or profitability are possible but it may lead to greater losses if your strategy will go against you. Hmmm… learning the basics is what I recommend. Don’t rush on profitability. Think of it, it’s in dollars! A profit of $20 in a day is enough for me as a newbie but it’s not only limited to it, it could be more!

Capital to Invest?

FOREX trading for Pinoys might be known to only a few. It’s because, it’s the game then of the “BIG” guys! The richest of the rich, banks institutions and international marketers! With the availability of the internet, many companies into FOREX are opening its doors to online FOREX trading. One of them is Millennium Penata Futures based in Indonesia. To start an account with them, you could either choose to open a regular account ( $10,000 or Php 500,000) or if you don’t have that enough cash just like me, go to open a mini account ($1000 or Php 50,000). I can refer you to my friend broker to give you a sampler or demo account so you would know how FOREX trading would go just to familiarize on how to work with it.

Initial Profit:

So far, the highest profit I took in just days after trading in FOREX is $396! You may use a converter if you want to know the peso value of it! That’s almost half of $1000 that I invested!

How to take profit?

Aside from the initial capital or investment to start with, you have to open a dollar account in your nearest local bank. I recommend BDO, as they offer $200 to open a dollar account (this account doesn’t earn any interest). Other banks, may require you a deposit of $500 (dollar account that would earn an interest). Why you need one? You can only withdraw you profits from you FOREX through a dollar account as it is based in dollars! Definitely, a simple and quick transfer to your dollar account. Voila, you have the money now!

I will discuss my FOREX Trading ventures soon in my next entries! So visit this site always!

Passive Income thru IMG

I didn’t noticed that I got two (2) unclaimed checks already from my sideline job as a broker of IMG (International Marketing Group).  I got my 1st check last June and from that, I started to get encouraged to work hard (but not really trying hard) as this passive income will sort of level to my active income from being a call center agent! At this point, my salary from my nocturnal job still pays good. But if you have all sorts of passive income like google adsense, stocks investments, brokerage, freelancing and etc. which I all have, isn’t it just amazing that when you aggregate your earnings from these income, it’s even more than my active income (salary)?!  So it means, I’m receiving double!

My previous articles stated ways to save money! Like, I did all learn about this financial education stuff when I joined IMG, April of this year! It’s when I started to know about the Rule of 72, Stock Investments, Healthcare, Insurance, Mutual Funds, Savings, Passive Income which I find it really helpful and important if you want to be wealthy! And yes, I’m so thankful that IMG is able to enlighthen me on that!

My dad has been a broker of IMG since 1997 and at that time, I was in high school then. He tried to convince me to join him but I just said a big NO. Later that I realize, when I’m already working, I came across that I have to really do something good for money. Like,  I have to save it where it could give me double or tripple or more interest of my money than saving it in a bank.

Yes, it took 8 years for me to realize that! And my dad just give me the freedom to choose to do what I want. Now, he is happy. I became a broker of IMG which is just a part time money venture for me but I consider it as an income generating which I would like to share with my fellow Filipinos.

What is IMG?

International Marketing Group is one of the few companies of its kind in the industry today – a marketing company that is dedicated to serving the financial needs of individuals and families from all walks of life.

International Marketing Group’s independent associates do not just work with clients who have large amounts of discretionary income – instead they work with everyday people helping them make critical financial decisions that help move them from where they are to where they want to be.

International Marketing Group is one of the biggest and fastest growing financial distribution companies in the US, Canada, Taiwan, Hongkong, Philippines and going worldwide. IMG has established agreements with many of the world’s leading financial services companies to provide us a broad array of financial products & services. IMG will help you comply accreditation and licensing requirement of all its Product Provider Companies. Multiple companies (Multiple products) will help you get the best product…Best service … Highest Rate Of Return…. Diversify investments, etc.
Read more…

What Earning potentials can IMG provide?

IMG offers an excellent income opportunity, whether you’re looking at the business as a twin career or a full-time commitment. With IMG’s attractive compensation package, you can also take advantage of a number of incentives, including renewals, as well as participation in bonus pools and stock programs.

Read more…

Who are our Business Partners/Providers?

These are the companies who give exclusive rights to IMG as their official broker to transact business in behalf of them. And these are:

• Kaiser Intenational
• Cocolife (a subsidiary of San Miguel Corp)
• Grepalife
• Generali Pilipinas (owned by Henry Sy)
• Phil Equity Management Inc.
• Ayala Land
• Crown Asia

Are our providers big time? Yes, in deed! Visit here for more of our providers!

Interested?

I’m currently based here in Cebu. Our IMG office is at Lahug and FGU tower in Ayala. But if you want to know about having a good business, passive income, and being a broker, just email me at admin@thegetwealthy.com or text me thru 09239776792 or simply leave your infos here and I will get back to you the soonest time.

Ten Principles of Investing

I got this Ten (10) Principles of Investing from Freeinvestmentreport.com. I would like to share it. This is one way to condition our minds in terms of stock investing. Hope this helps!

1. 1. Start investing now. You could be getting better returns on your money today to prepare yourself financially for your future.
2. 2. Make a financial plan. You must know what your goals are to be a successful investor.
3. 3. Do not follow the crowd. When investing, do what the wealthy do and look for opportunities to get in before the masses.
4. 4. Don’t overpay for stocks simply because the companies behind them are large and well known. Too many large companies are overvalued, and their prices will eventually fall back to earth.
5. 5. Have patience when investing. Wait for the right time to enter and exit your trades.
6. 6. Research, research, research. And if you can’t do your own research, seek advice from experienced professionals who specialize in the markets.
7. 7.Remember that all big companies were once small companies. Look for high-potential opportunities in the micro cap and small cap sectors.
8. 8. Be cautious when investing borrowed money. Your investments can fluctuate in value, whereas the money you borrow must be paid back in full.
9. 9. Don’t put all your money in one place. To protect yourself, make certain your portfolio is diversified across a number of unrelated financial instruments.
10. 10. If necessary, close out losings investments to cut your losses. Stocks do not always bounce back.

Entry Credit: http://www.freeinvestmentreport.com

Google Adsense + Stock Investment Gains = ASUS EEE pc netbook

Will you feel good if you bought something like a desired gadget out from your passive income? Like not taking it from your main source of income like from your salary if you’re an employee or sales if you own a business? Definitely, your  answer might be a big YES! Why not? Did I say, Google Adsense and Stock Investments in the title? I would like to share this experience of mine for you to be inspired (maybe, it helps).  lol

Because of blogging thru Google Adsense, I was able to buy my new ASUS EEE 1000HE netbook! I used my first google adsense earnings and my profits from what I gained in my Stock Investments. These are all from my passive incomes. What do I mean by this? Instead of using my basic salary to buy my desired gadget, or saving it in the bank, a portion of it or like all of it was invested in the stock market! Come to the point, that I see a signal in profit-taking, I sold my shares of course at a gain and the proceeds (just the gain), I used it to buy what I want. So, my basic salary is remained untouched but instead, it generated interest and is used to buy those needs and wants of mine. Whew! At least, because of the very basic knowledge in investing, I learn how to value money. It’s money generating another money!

What’s the role of Google Adsense then?

Last month, I received my first Google Adsense earnings and this is from my blogging stuff.  I was able to treat my friends for some sumptuous meal! It pays to really celebrate when these boon things in life come! For good luck and more to come, actually! A portion of it, I used to add it to buy my new ASUS EEE 1000HE netbook. So I did use all my passive income sources to buy it. Google Adsense and Stock Investment gains for the netbook.

How to have a PASSIVE Income?

For now, I will say:

1. Go blogging thru Google Adsense.
2. Stock Investments thru profits.

Although, there are lots of ways to earn passive income thru blogging aside for Google Adsense, you may use your site to give paid reviews on products and services, internet marketing, and etc.

Don’t know how to start with Stock Investing?  Please read the articles and visit my site link: Get Started. Or you may jump in for Stock Trading Online.

Safest Way To Invest

The featured article below would help those confuse people who got the money to invest but don’t know or have any idea on where to put it or perhaps just reluctant in finding the safest way to invest.
Take the query below as well as the answer to Edwin’s question.

Q: What’s the best way to save these days? I am expecting a big amount of money to come from the sale of a lot we’ve had in the family for a long time. With the global economic crisis affecting our economy, I want to play it safe yet grow my money. – Edwin

A: It’s good that you are thinking of protecting your money (your capital) by investing the proceeds from the sale of your lot. Investing your money may make it grow over time.

Understand, though, that with investing comes risks and rewards. If you want your investment to grow and yield higher possible returns on your investment, be prepared to meet setbacks and losses if they happen. Investments that yield higher returns come with higher risks such as heavy losses, as what stock market investors have realized last year at the height of the global financial crisis. Investments that have low risks may more or less safeguard your capital but give you low rewards as well (low interest income or minimal capital gains).

Bank deposits and government securities may offer you relatively safe investment options.

Bank deposits take the form of savings accounts, interest-bearing checking accounts, and time deposits. You deposit your cash in the bank and you get interest back after a month or so. While this may seem to be safe and will preserve your investment, this may not actually be the case as inflation may eat into your investment.

The current rate for savings accounts, for instance, is about 0.75 percent per annum. The inflation rate is way higher than that, which means that the growth to be yielded by your investment in a savings account will be overtaken by the rise in prices of commodities.

Time deposits may give better rates, but still may not be enough to match the cost of inflation. You may need to keep your money on deposit for a longer term to achieve a higher rate of return.

As “The Citibank Guide to Building Personal Wealth” (a book published by Citibank) says, “Inflation is a major risk if you hold large sums of cash permanently, because it reduces the buying power of cash.” Put simply, inflation may erode the value of your investments over time.

We mentioned government securities above. These come in the form of treasury bills, treasury notes, and treasury bonds. Bills have the shorter term (less than a year), and bonds have the longest term. Government securities are generally low risk since the government guarantees to meet its obligations and pay the published interest rate.

But since you mentioned that you want to grow your money, it may be wise to look into other forms of investment as well to achieve your goals:

1. Stocks or equities may give you high possible returns over the long term, but these come with high risk, which you don’t seem to want to assume at this time.
2. Bonds may also give you good rates of return, but these also come with some form of risk, although lower than that of stocks.
3. Pooled funds come in the form of mutual funds or unit investment trust funds (UITFs) and depending on their nature may be invested in stocks alone, bonds alone, money market funds (government securities and commercial papers), or a combination of these.

To keep your money safe and make it grow at the same time, we advise that you do what wise investors have been doing all along: Diversify! Keep some funds in bank deposits, some in government securities, and some in pooled funds. Since you may have other financial goals and may have a timetable in needing your funds later on (example, for retirement), we advise that you consult a financial professional who will assess your risk profile and suggest the best possible allocation of your investments.

You may also invest your money in tangible assets such as real estate property. However, market values fluctuate over time, so be prepared for any eventuality. Investing in a business also comes with a high risk as not all businesses realize income. Jewelry and art are also forms of investment, but bear in mind that it may take a while for their value to increase. Converting them to cash may also take a longer time should you find the need to do so.

Whatever investments you go into, study all aspects thoroughly. Look into the pros and cons before deciding. We wish you the best.
Entry Credit: http://business.inquirer.net/

*Disclaimer: Those who happened to read the article above are solely responsible for their own investment decisions and should consult professional advice from financial experts or analysts.Thegetwealthy.com will not be liable for any loss or damage caused by a reader’s reliance on information obtained from our web site. Thegetwealthy.com receives no compensation of any kind from companies or industries or funds that are mentioned above.

Mutual Fund

We collated and researched online on the different definitions of Mutual Fund. Here:

What is a Mutual Fund?

A mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities.^[1] The mutual fund will have a fund manager that trades the pooled money on a regular basis. The net proceeds or losses are then typically distributed to the investors annually

- Wikipedia

***

A mutual fund collectively pools money from individual and corporate investors. These funds are managed by a professional fund manager who invests the money in stocks, bonds, money market instruments, and/or other securities. The mutual fund earns in two ways: from the capital gain (increase in value) of the security and dividend or interest income. These proceeds, net of whatever charges and expenses, are passed along to the shareholders. The value of a share of the mutual fund, called the Net Asset Value (NAV), is calculated daily based on the fund’s total value divided by the total number of outstanding shares.

There are mainly four types of mutual funds in the Philippines: stock (or equity), bond, balanced, and money market.

-Pinoymonetalk.com

***

Mutual funds are similar to UITFs or Unit Investment Trust Funds, to make investment much simpler, more accessible, and more cost effective for small investors.

The sale and trading of mutual funds, stocks, and bonds is regulated by the Securities and Exchange Commission (SEC), a government agency that protects investors from fraud and theft. However, the value of your investment in a mutual fund (or an individual stock or bond) is not guaranteed by the SEC or by any other government institution.You can lose money on a mutual fund investment — in an extreme case, even all your money. However, the safety track record of most mutual funds is quite good.

-Investingpinoy.com

Advantages in Investing in a Mutual Fund

Mutual funds provide a combination of benefits to investors which cannot be matched by other investment instruments. These advantages are as follows:

Professional Management

Full-time professional managers are the ones who manage the mutual funds. Their job is to analyze the various investment products available in the market and select those that would give the best possible returns to the fund and its shareholders.

Low Capital Requirement

A minimum investment of Php1,000 to Php5,000 is enough to start with. Most mutual funds in the Philippines require a minimum initial investment amount of only Php5,000.00 and minimum additional investments of Php1,000.00.

Diversification

There is a saying that goes, “Do not put all your eggs in one basket.” This adage is especially true in the world of investments which is full of uncertainties. There is no such thing as a “sure” thing. Diversification is the key to manage risk. When people invest in a mutual fund, they achieve instant diversification because the fund is usually invested in a wide array of securities.

Liquidity

Liquidity is the ability to readily convert investments into cash. While the law provides that redemption proceeds must be given within seven (7) banking days from the date of the redemption request, most funds are able to pay the redemption proceeds within a day. Mutual funds are, therefore, considered very liquid investments.

Safety

Mutual funds are highly regulated by the Securities and Exchange Commission under the Investment Company Act and its implementing rules. They are prohibited from investing in particular investment products and engaging in certain transactions (this is discussed in greater detail in a latter section). All of the fund’s assets must be held by a custodian bank for a safekeeping.

Potential Higher Returns

Because a mutual fund is managed as a single portfolio, it is able to take advantage of certain economies of scale. For instance, with its millions under management, it can negotiate for lower stockbrokerage fees or command higher interest rates on fixed-income investments. In the end, however, it is still the investment adviser who really makes the big difference between making direct investments and investing in mutual funds because very few individual investors can match the experience and skill of full-time professional fund managers.

Convenience

In other countries, mutual funds can be purchased directly from a funds or through a broker, financial planner, bank or insurance agent, by mail, over the phone and increasingly over the internet. The popularity of mutual funds in the Philippines is fast catching up. It may be a matter of time for this level of convenience to be a reality in the country. Funds also offer a variety of other services, including monthly or quarterly account statements, tax information, and 24-hour phone and computer access to fund and account information.

-Pinoysmartsavers.com

Our Mutual Fund

Our current mutual fund is Philequity. Why? We made researches and it’s so far one of the best mutual fund to invest in the Philippines. It got lots of awards and recognitions in the financial field and as an investor of Philequity, I’m in deed very satisfied with it.

You may visit PSE for the list of mutual funds you might want. As an advice, know the company first, before putting your money in it.

-thegetwealthy.com

LINKS:

Wikipedia

Pinoymoneytalk.com

Investingpinoy.com

Pinoysmartsavers.com

GetWealthyIn

PhilEquity

Stock Picks: MEG, looking forward to it!

When I started to join the stock market last June 2009, I was advised by my mentor to buy Megaworld (MEG) and Manila Water Company (MWC) stocks. I initially acquired 5000 shares of MEG at P 1.12 and 100 shares of MWC at P 14. And on July 7, 2009, I stopped buying MEG shares as I don’t have funds anymore. Actually, just exhausted my salary payout with some stuff. As of August 3, 2009, I sold out all my shares of MEG and retained my MWC shares. In the span of 2 months, I got 30% profit/gain from what I initially invested for MEG. That’s why I got saving my money thru this scheme.

I acquired a total of 43000 shares of MEG at an average price of P1.092857 with a gross amount (excluding tax) of P 46,240. On August 3, 2009 at the peak of its high price when the local stock market seems bullish with its up trend in all major shares, I decided to sell all my MEG shares at P1.42 and it gives a gross total sale of P 59660. So that’s a 30% profit-taking!

Days after I sold all my shares at MEG, its NAV went down to 1.38 and below. Currently, I have invested the other proceeds in buying shares from Filinvest Land Inc (FLI), GMA Networks Inc (GMA7), Philex Mining Corporation (PX), Petroenergy Reserve Corp (PERC) and Meralco (MER).

As of the moment, still waiting for MEG to go down like P 1.20 and I will definitely buy lots of shares at one time!

Happy Trading!-Bullish Trader

Where To Invest Your Money

When I first engaged myself in the world of stock market, I have lots of questions and apprehensions. That’s when I tagged myself as a “newbie”. Certainly, I’ve been wanting to know how to trade and invest money thru stocks when I was in the university but never get the chance to have a hands-on training or sit with a stock market expert.

I learned much on financial education and how money works for me just early this year, 2009 when I joined the great people at International Marketing Group (IMG). This is the time I know that financial security is a priority for everyone. Hence, I came to value the worth of my money, investing it to where it could earn double or triple or more. That’s money working hard for me!

Confuse on where to invest your money where it could earn more at bigger interest rate still an issue? No worries, I will share my experiences in where I invested my money.

Point 1

First to consider is to secure yourself, which is, SAVING for your future. It is important that you have LONG-Term Healthcare, Life Insurance, and Investment. Just these three!

*Healthcare – the very basic and first to secure. Why? To get sick is really expensive. People who don’t have healthcare but have lots of money in the bank will just exhaust their savings just to pay for their medical expenses. You don’t want to touch your savings or income right? Then get a healthcare program that will pay your hospital bills and medicare if the need arises. Philhealth is not just enough (for Pinoys). Your savings are still intact if you get your own personal healthcare!

*Life Insurance- if you’re the breadwinner of the family and in the event that you lose your job or death cut your life short, the family you left behind could still continue their living as Life Insurance companies will give the coverage benefits to them. Or when you get disabled and you can’t function doing your normal job, life insurance will support you to start a new life! So get one!

*Investment- if you have extra money, then you could start to look for something new to start to grow your money. You may want to acquire solid assets like houses, cars, business, etc. Or you may participate in the Stock Market where you could earn high returns of your money but also with high risk! But risk is manageable if you know how to deal and play with it which is easy to learn. For first timers, investing in Mutual Fund is advisable.

Yes! I got those three on the second quarter of the year. How? When I joined IMG, they have a business partner that caters to the three above. It’s an all-in-one program! I’m positive in getting the Kaiser Premium Health Builder. This is my SECURED investment/long-term investment. It’s giving me back a fix 10% annual compounded interest for 10 years or more. SECURED? Money put in this program is placed in stock bonds and other securities and is managed by professionals.

Note: Returns that yield a rate of interest from 12% below is a SECURED investment. Anything beyond that is a Risky one!

Point 2

The next thing I took advantage of is putting my money in Mutual Funds. If interested in joining the stock market but with no experience at all, mutual fund is what I recommend that you engage in.

Mutual fund is a professionally managed type of collective investment scheme that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities. The mutual fund will have a fund manager that trades the pooled money on a regular basis. The net proceeds or losses are then typically distributed to the investors annually-Wikipedia.

My mutual fund at the moment is PhilEquity. It is the Philippine’s best performing equity fund in a 10-year, 5-year, 3-year category. Now, make your winning investment today!

Point 3

Having quite an ample of knowledge on financial education. I started to actively participate in the stock market. I have 2 mentors, friends and online buddies (forums) who helped me in how to deal with the stock market! I say, it’s addictive!

Investing in the stock market involves risk. Why? It’s giving you high return of your money! 12% more, even 100% , 200% and even more than that! That’s why it’s risky! Your loss might be equivalent to that rate. But in any market condition, it’s guaranteed that you will be earning! It’s just how you play it.

To date, I already earned 45% return of my stock investment in the span of 2 months. I was able to play around with Megaworld’s (MEG) stocks and yeah, profit-taking is done! Will be divulging information on stock trading in my next post!

RULE in Stock Market Trading: Buy LOW, Sell HIGH!

Links:

International Marketing Group (IMG)

Kaiser Premium Health Builder

Mutual Fund

PhilEquity

Rule of 72

Do you want to know how Compound Interest works for your money? Do you want to know how to double your money for a period of time say in years? Do you know about the RULE of 72? Do you want money work for you instead you working hard for the money? Do you want to get wealthy? Knowing the secrets of the wealthy is in your hand! Please read below:

Trivia:

“Albert Einstein called compound interest as the 8th wonder of the world and mankind’s greatest invention, because it is the mightiest force ever unleashed for the amassing of wealth”

How is Rule of 72 computed?

- It is dividing the value of 72 by the interest rate per period to estimate the number of years it takes for your money to double.

Example: If you have Php 100. When will this become Php 200?

Answer: W e have to apply the Rule of 72 and in depends on the interest rate where you put your money at.

* Scenario 1: Bank- it will give your money 1% interest rate per annum. But consider taxes, it might give you less than 1%, say .66% perhaps. This is on regular savings. You may get 4% interest rate per annum if you put your money in time deposit in the bank. Computation: 72/1=72. It means, it will take 72 years for your Php 100 to become Php 200.

* Scenario 2: Bonds- these are certificate of indebtedness issued by the government or any company who wish to borrow money from you with the promise to pay you out after a certain period (say 3 years) with a guaranteed interest rate. This is SECURED and NON-RISKY investment of your money. Most of them will give you 4% to 6% interest only per annum. Way better than 1% right? Let’s take at 4%. Computation: 72/4=18. It means, it will take 18 years for your Php 100 to become Php 200.

* Scenario 3: Stocks/Equity- these are shares or certificate of ownership issued by companies or corporations if you acquire a portion of their outstanding shares offered to the public. This is a risky investment but it may give you more than 12% or let’s say 100% or 200% or more of your money! But taking the risk is ok if you know how to manage your investments. Let’s take 24% rate of return. Computation: 72/24=3. It means, it will take 3 years for your Php 100 to become Php 200.

* Scenario 4: Mutual funds- it allows many investors (individuals, banks, companies, etc.) to pool their money and Professional Money managers will invest it in a diversified portfolio of securities (bond and/or stocks). It is recommended for NEWBIES who wants to try the stock market. It is “quite” non-risky or may be risky. So, it’s important to know what mutual fund to invest in. It may give you like 8% or more. It depends on how your Professional Money managers invested your money to give you the highest return possible. Let’s take 8%. Computation: 72/8=9. It means, it will take 9 years for your Php 100 to become Php 200.

There you go, that’s the power of Rule of 72. It is easy to compute. Now, you know already where to put your money to double it! It’s just choosing the options above, if you have questions or suggestions, you may leave a reply below or go to our FORUMS or chat with ME.