DIRECT STOCK INVESTING

Kapag Direct Stock investing, ikaw ang Fund Manager at ikaw ang mag dedecide kung anong company ang bibilhin mo.

Halimbawa, si Globe 3,090 per share ngayon at ang minimum board lot ay 5 shares, so 5 x 3,090 is 15,450 pesos. Para makapag-invest ka sa Globe ang need mo ay 15k.

Now halimbawang bumagsak ang market at nag-withdraw/nagbenta ka ng shares lugi kana kasi isang company lang ang nabili mo, take note 15,450k isang company lang.

At para maging succesful ang pag-iinvest directly sa Stock Market kailangan mo ng tatlong bagay:

a.) Time

b.) Knowledge/Technical Analysis

c.) Big Capital

INDIRECT TRADING/MUTUAL FUNDS

Sa Indirect stock investing naman ang tawag ay Mutual Funds, makiki ride on lang tayo kasi may license fund manager tayo mag manage at monitor ng ating pera at ininvest ito sa mga blue chips or top companies sa pinas.

Example, ikaw may 1,000 pesos, ako may 10,000 pesos at yung kaibigan ko may 100k. Yung pera natin ay pagsasamahin yan ng Fund Manager at ibibili ng shares ng mga matatag na companies, minimum of 10 BIG Companies dahil malaki ang budget natin.

Let's say ang mga company ay BDO, GLOBE, PLDT, SMDC, AyalaLand, DMCI, VistaLand, Meralco, Jollibee at GMA. assuming na yan yung 10 BIG Companies. Let's say bumagsak si BDO at SMDC. Kunwari yung dalawa na yan ay nalugi, pero yung 8 na natirang company ay kumita. Still, kumita kapa rin. Take note P1,000 lang ang budget mo nakabili ng 10 companies versus sa P15,450 na direct investing pero 1 company lang nabili.

WHAT IS MUTUAL FUND?

A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds. Each share represents an investor’s part ownership in the fund and the income it generates.

Ang mutual fund ay isang kumpanya na kumukuha ng pera mula sa maraming mamumuhunan at inilalagay ang pera sa mga securities tulad ng mga stock, mga bono, at panandaliang utang. Ang pinagsamang pag-aari ng mutual fund ay kilala bilang portfolio nito. Ang mga mamumuhunan ay bumibili ng mga bahagi sa mutual funds. Ang bawat bahagi ay kumakatawan sa bahagi ng pagmamay-ari ng isang mamumuhunan sa pondo at ang kita na nabuo nito.

PAANO GUMAGANA ANG COMPOUNDING INTEREST?

Compound interest is what happens when the interest you earn on savings begins to earn interest on itself. As interest grows, it begins accumulating more rapidly and builds at an exponential pace.

Here's a simple Calculator to find out how much you'll have if you invest each month in various "investment vehicles".

Today's Growth Rates:

Bank Savings Account = 1% yr

Bank Time Deposit = 3% a yr

Retail Treasury Bond = 5% yr

Stock Market = 12% or more per year