Nais mo bang makatipid sa iyong investment? Mutual Funds ang sagot dyan!

Almario Jr Mendoza
is a Financial expert in the Philippines

Ibinagi ko nitong nakalipas na mga araw ang tungkol sa konsepto ng Bonds at Stocks. Ngunit lingid sa kaalaman ng karamihan, may isang magandang paraan para makapag-invest ng sabay sa mga investments na ito nang hindi nangangailangan ng malaking puhunan. Ito ay ang pag-iinvest sa tinatawag na Mutual Fund.


Ano ang Mutual Fund?


Ang mutual fund ay isang uri ng investment na kung saan ay pinagsasama nito ang pondong nakuha mula sa mga investors at iniiinvest ito sa iba’t ibang klase ng mga investments gaya Stocks, Bonds, Money Market, at iba pa. A mutual fund is an investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets.


Ang kaibahan nito mula sa iba pang uri ng investments ay nagagawa nitong pagsama-samahin ang iba’t ibang uri ng mga investments na makakapag-bigay ng katipiran o cost-savings sa mga investors. Ito ay dahil kung bibilhin isa-isa ang mga investments gaya ng stock at bonds ng iisang investor ay karaniwang ito’y mangagailangan ng malaking capital o puhunan. Ngunit dahil ang pondo ay nanggaling mula sa maraming investors, nagagawa nitong bumili ng mga maraming klase ng investments na hindi nangangailangan ng malaking puhunan mula sa investors.


Bukod sa cost-savings, ano pa ang iba’t ibang benepisyong maibibigay nito sa akin?


Hindi lamang katipiran o cost-savings ang mukukuha mo mula sa mutual funds. Ang kagandahan nito ay nakapagbibigay ito ng diversification o pagkakaiba-iba pag dating sa hinahawakang investments. Mutual funds are operated by money managers, who invest the fund's capital and attempt to create capital gains and income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus. A mutual fund pools money together from thousands of small investors and then its manager buys stocks, bonds or other securities with it.


Sa konsepto ng investments, malaking bagay ang diversification dahil sa pamamagitan nito ay lumiliit ang iyong risk na malugi. Ito ay dahil hindi lamang nakalagak ang investments mo sa iisang lugar bagkus ay ito’y nakalagak sa iba’t ibang klase ng investments.


Isang halimbawa nito ay kung si Juan ay may 5,000 pesos. Nagdesisyon syang iinvest ang lahat ng ito sa stocks. Kapag ang stocks ay hindi maganda ang performance at tuluyang bumagsak, panigurado na ang ininvest nyang 5,000 pesos ay maaring bumaba ang halaga o tuluyang mawala.


Ngunit kung halimbawang si OFW ay may 5,000 pesos at ininvest nya ito sa mutual fund. At ang mutual fund ay inilagak ito sa ganitong paraan: 2,500 pesos sa Bonds; 1,000 sa Stocks; 1,500 sa Money Market. Kung ang scenario ay bagsak ang stocks at sa kabilang banda ay maganda ang performance ng Bonds at Money Market, paniguradong, hindi tuluyang bababa o babagsak ang 5,000 pesos na ininvest. Bagkus ay baka kumita pa ito o dili kaya ay manatili sa 5,000 pesos.

When a person contributes money to a fund, you get a stake in all its investments.


The NAV is the price at which a person can buy and sell shares, as long as she doesn't have to pay a sales commission, or "load." One has to pay a load fee when buying from a broker, financial planner, insurance agent or other adviser.


Malaki ba ang kita sa mutual fund? Ano ang kaibahan kung idedeposito ko ang pera ko sa bangko?

Ang bangko ay kalimitang nagbibigay lamang ng maliit na interest sa deposito. Mataas na nga ang 4% kada taon sa deposit at kalimita’y mangangailangan pa ngang ito’y pang-matagalang deposit (Time-deposit).


Ang kagandahan sa mutual fund ay dahil ito’y isang diversified investment, ang kita ay nakadepende sa performance ng mga investments. Pwede kang kumita ng hanggang 22% kada taon kung pagbabasihan ang mga datos mula sa mga lokal na kumpanya gaya ng Philequity Fund.


Papaano at magkano para makapag-invest sa Mutual Fund?


Maraming kumpanya at mga bangko ang pwedeng pagpilian kung ikaw ay handa nang mag-invest sa Mutual Fund. Kabilang sa mga kilalang kumpanya ay ang BPI Asset Management, First Metro Asset Management, Grepalife, Philam Asset Management Inc., PhilEquity Management Inc., at Sun Life Financial.


Kontakin lamang ang napiling kumpanya o bangko at ifill-out ang kanilang application documents. Maaari ka nang makapagsimulang mag-invest sa mutual fund sa halagang 5,000 pesos lamang sa mga kumpanya gaya ng Sun Life para sa kanilang peso-denominated funds.


The advantage of mutual funds is that you can invest a few thousand dollars in one fund and obtain instant access to a diversified portfolio. If not, one has to diversify his/her portfolio, to buy individual securities, which exposes him to more risk and difficulty. Many investors don’t have the resources or the time to buy individual stocks. Investing in individual securities, such as stocks, not only takes resources, but a considerable amount of time. By contrast, managers and analysts of mutual funds spend their professional lives researching and analysing their funds.


Sa mga susunod kong articles, akin naming tatalakayin ang konsepto ng Money Market.


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About the author

Almario Jr Mendoza

Currently working in one of the biggest Investment Banks in the world. Has extensive experience in accounting, finance, and investments ranging from Bonds, Money Market, and the Stock Market. A member of Philippine Institute of Certified Public Accountants. A graduate of Ateneo Graduate School of Business and University of Santo Tomas.
Profession: Certified Public Accountant & Certified Securities Specialist (Philippine Stock Exchange)
Philippines , Metro Manila , Taguig City
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