finance

List of Mutual Funds in the Philippines

December 19, 2017 by Ray Leave a Comment

Tagalog Version (Click Here)

I sometimes visit Philippine personal finance forums and beginners usually ask where should they invest their money. Most people would suggest mutual funds, and if the newbie investor is willing to put in the time to study, individual company stocks/equities. After someone suggests investing in funds, the usual question after that is which specific fund should they choose. That is why I decided to compile the financial companies with mutual fund (including ETF and UITF) offerings on this article.

Here’s a short and still incomplete list of mutual funds in the Philippines. If I forgot some, please don’t hesitate to tell me. As for whichever one of these funds are right for you, that will depend on your investment objectives, risk tolerance, age and income, and more.

High Risk, High Potential Returns: Equity funds or funds that invest mostly in stocks. This is better for younger people who wish to maximize their potential earnings.
Medium Risk and Potential Returns: Balanced funds that invest in stocks as well as fixed income securities (bonds), cash, money market, etc.
Low Risk and Low Potential Returns: Bond or Fixed Income Funds. These and the money market funds below are recommended for older people who need more stability in their investment portfolio.
Lowest Risk, Lowest Potential Returns: Money Market Funds

Note: Remember to read the fund objectives and prospectus. Some funds have unusual investing strategies and other details you might need to be aware of.

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Identifying Emerging Markets and Potential Stock Investments

December 8, 2017 by Guest Leave a Comment

Emerging markets present growth opportunities for those who are looking to diversify their portfolio. Investing in these markets won’t be as costly as putting money in stocks that belong to well-developed nations, and investors can capitalize on this fact.

However, despite the growth that these markets offer, they also come with risks that come from business cycles (the long-term trend of upward and downward movements of GDP). Business cycles of emerging markets tend to be more volatile than the ones used by developed markets. By studying and understanding these cycles, investors should be able to increase their chances of becoming successful in investing in emerging markets.

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[Guest Post] What You Need to Know About Small Business Financing

November 29, 2017 by Guest 1 Comment

*Contributed by Jessica Watson.

Establishing and managing a business is not an easy task. One has to manage lots of things to run a business. One should also be aware of factors which play a decisive role in success. Financial management is one of the most common, necessary and important factors for a business. This involves lots of risks which can affect business performance and its financial growth. So, one need to manage this carefully as it’s crucial to manage the financial area of the business.

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Investing 101: Ano ang Compounding (Compound Interest)?

November 21, 2017 by Ray Leave a Comment

English Version (Click Here)

Habang nagbabasa ako sa reddit, may nagmessage sa akin at magtanong tungkol sa pag invest sa mutual funds. Sinubukan kong tumulong at magbigay ng impormasyon (tulad ng nasa dati kong isinulat na articles). Habang nakikipagusap ako sa isang redditor, nagtanong siya tungkol sa kung paano gumagana ang compound interest sa funds at stocks. Sinagot ko na hindi directa ang pagapekto nito dahil ang mga investment ay naaapektohan ng kalidad ng kumpanya at ng paggalaw ng market. Gayunpaman, ang compounding ay mabuting paraan para ipaliwanag kung bakit kailangan mong mag invest ng maaga at mag invest madalas sa mga mabubuting assets kapag pangarap mong kumita ng marami sa pagdaan ng panahon.

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Investing 101: What is Compounding (Compound Interest)?

November 21, 2017 by Ray Leave a Comment

Tagalog Version (Click Here)

While browsing reddit, somebody asked about investing in mutual funds through PM and I tried to help them as best as I can by providing information that I know (like my previous articles on it). While I was chatting with one of the redditors, they asked me how compound interest works on funds and stocks. I answered that it doesn’t directly work that way as most investments are affected by the quality of the company and the markets movements. Compounding, however, is a good way to explain why you should invest early, and invest often in excellent assets if you want to earn a lot over time.

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