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Listahan ng Mutual Funds sa Pilipinas

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Minsan bumibisita ako sa mga Pinoy personal finance forums at madalas magtanong ang mga baguhan tungkol sa kung saan nila dapat ilagay ang kanilang pera. Marami ang nagpapayo na maginvest sila sa mutual funds, at kung ang baguhang investor ay may kagustuhang mag-aral, mga stocks/equities ng mga kumpanya. Pag may nagpayo na maginvest sa mga funds, ang madalas na susunod na tanong ay anong fund ang dapat nilang piliin. Doon ko naisipang ilista dito ang mga financial companies na may mutual funds (kasama ETF and UITF).

Heto ang maikli at hindi pa kumpletong listahan ng mutual funds sa Pilipinas. Kung may nakaligtaan ako, pakisabi na lang. Sa kung alin man sa mga funds na ito ang nararapat para sa iyo, ito ay magdedepende sa iyong investment objectives o gustong makamit, kung gaano mo kayang sikmurain ang risk o volatility, edad at kinikita, at marami pang iba.

  • High Risk, High Potential Returns: Equity funds o funds na nagiinvest sa stocks. Mainam ito para sa mga mas batang investors na gusto ng pagkakataong kumita ng malaki.
  • Medium Risk and Potential Returns: Balanced funds na nagiinvest sa stocks pati na rin sa mga fixed income securities (bonds), cash, money market, atbp.
  • Low Risk and Low Potential Returns: Bond o Fixed Income Funds. Ito at ang mga money market funds sa ibaba ay madalas nararapat sa mga mas matatanda na nangangailangan ng stabilidad sa kanilang investment portfolio.
  • Lowest Risk, Lowest Potential Returns: Money Market Funds.

Babala: Dapat basahin mo ang objectives o istratehiya ng fund at ang prospectus nito. Ang ilang funds ay mayroong kakaibang investing strategies at ibang detalye na mainam na malaman mo.

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List of Mutual Funds in the Philippines

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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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30 Quotes/Kasabihan Tungkol sa Pagsabi ng Totoo (Habang Nagsisinungaling ang Iba)

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Noong nakaraang panahon may pyramid scheme na nagngangalang Emgoldex na naging popular sa mga Pinoy bago ito naexpose bilang isang scam. Kung ang kaibigan mo ay malapit nang maloko at maglagay ng pera sa scam na ito, ang isa sa pinakamabuting pwede mong gawin para sa kanya ay ang pagsabi ng totoo. Kung tatanggapin nila ang payo mo o hindi, sila na ang bahalang magdesisyon doon.

Kaya isinulat ko ito ay dahil tila mas maraming fake news, kasinungalingan, at manipulasyon na nagaganap ngayon kumpara dati. Sabi ni Terry Pratchett, “a lie can run round the world before the truth has got its boots on.” Ang isang kasinungalingan ay nakalibot sa mundo bago man makapagsapatos ang katotohanan. Ang isang fake news ay pwedeng makarating sa ilang milyong katao bago may magverify ng katotohanan at tumutol sa kasinungalingan.

Ano ang dapat mong gawin kapag may nagpost o nagtanggol ng kasinungalingan? Ano ang dapat mong gawin kapag ang isang kaibigan mo ay malapit nang maloko ng isang scam, hoax, o pekeng balita? Depende na ito sa iyong diskarte. Basahin mo ang mga aral dito at gamitin mo ang mga payo ng iba. [Read more…]

30 Quotes About Speaking the Truth (when Everyone Else is Lying)

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Some time ago there was a pyramid scheme called Emgoldex and it became very popular among Filipinos before it was exposed as a scam. If one of your friends was about to be duped into believing and committing to it, one of the best things you can do for them is to tell them the truth about it. Whether they accept what you tell them or not, however, that’s for them to decide.

Now the reason why I’ve written this is because fake news, lies, and political manipulation appears to be far more rampant now than they were before. Terry Pratchett once said “a lie can run round the world before the truth has got its boots on.” A piece of fake news can reach millions long before someone verifies the facts and exposes the lie.

So what should you do when someone posts or defends lies? What do you do when a friend is about to fall for a scam, hoax, or a piece of fake news? Well that depends. Take these lessons as a guide.

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Paano Aasenso ang Iyong Online Negosyo

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Kung nagbabasa ka tungkol sa pagsisimula ng online negosyo o paano kumita ng pera online, malamang nakapagbasa ka na tungkol sa blogging, ang halaga ng pagkakaroon ng website para sa iyong negosyo, affiliate marketing, freelancing, at iba pa. Kinailangan naming pagaralan at gamitin ang mga iyon para itayo, imaintain, at pagbutihin ang YourWealthyMind.com. Kung gusto mong isetup o pagbutihin ang iyong online negosyo, baka mabuting basahin mo ang ilang karanasan namin dito.

Ano ang natutunan namin sa pagsesetup sa blog na pwede ring gamitin sa negosyo? Paano mo ito magagamit para umasenso ang iyong negosyo? Basahin mo lang ito.

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