Tag Archives: paano umutang

Spending on Gadgets and Insurance

According to a study from an insurance company, Pinoys prioritize buying gadgets and insurance equally. But why? What are the factors that come into play? And what does it say about our manner of prioritizing needs and wants?

Here’s Armand Bengco, our Executive Director at Colayco Foundation, to talk about the matter:

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Mga Puwedeng Paglagakan ng Maliit na Puhunan (Part 2)

ni: Francisco J. Colayco

*unang lumabas sa Bulgar noong ika-13 ng Agosto, 2009.

Ang direktang pamumuhunan sa stock market ay dapat ipinauubaya na lang sa mga eksperto. Sa MF at UITF, sigurado kang merong mga magagaling na tagapamahala ng pondong walang tigil na binabantayan ang mga parte at seguridad sa kanilang portfolio. Alam ng mga ito kung saan dapat ilagak ang pera mo.

Mas malaki ang kikitain ng perang sa MF at UITF dahil ito ay nagko-compound. Ang ibig sabihin, nadaragdagan at naiipon ang kinikita nito. Halimbawa, ang tubo mula sa pagbebenta ng mga equity o fixed-income security ng MF o UITF ay muling ibinibili ng bagong mga equity o fixed-income security para sa parehong MF o UITF. Kaya kapag ibinenta na ang mga parte sa kanila, patung-patong na ang kinita ng ipinuhunan.

Ang maganda pa, ang mga stock at seguridad na pinamumuhunanan ng MF o UITF ay pinapatawan na ng final withholding tax, kaya’t hindi na kailangang magbayad ng dagdag na buwis ng mga namumuhunan sa kanila. At hindi lang ‘yun — madali pang ibenta at gawing pera ang MF o UITF. Kahit anong oras ay maibebenta ito sa kasalukuyang presyo sa merkado.

May tatlong klaseng MF at UITF equity o stock fund, fixed-income o bond fund at balanced fund. Ang equity fund ay kadalasang ipinupuhunan sa stock market kaya mas malaki ang kita pero mas malaki rin ang panganib. Ang fixed-income fund o bond fund naman ay karaniwang ipinupuhunan sa mga Government Securities at iba pang fixed-income securities kaya mas mababa ang kita pero hindi rin naman ganoon kapanganib. Ang balanced fund naman ay hinahati — ang kalahati ipinupuhunan sa stock market at ang kalahati’y ipinupuhunan sa bond funds o fixed-income funds. Katamtaman lang pareho ang kita at panganib dito.

Ang bawat MF at UITF ay may kanya-kanyang layunin sa pamumuhunan at kanya-kanyang mga patakaran at kundisyon. Mas mainam kung kakausapin muna ang mga namamahala para malaman kung umaayon sa sarili layunin ang layunin ng MF o UITF na pamumuhunanan bago maglabas ng pera.

Dapat ring malaman na hindi kikita ng interes o makakokolekta ng dibidendo habang nakalagak ang pera sa MF o UITF. Kikita lang talaga kapag ibinenta na ang iyong mga parte o shares. Ang pinagkaiba ng presyo ng NAV noong binili ang iyong mga parte at kapag ibebenta na ang halaga ng iyong kinita o nalugi.

Sali na sa aming Investability: Mutual Fund seminar sa ika-20 ng Setyembre, 2014. Mag-click lang dito para sa karagdagang detalye.

“Nang Magising si Juan” Episode 13 Sneak Peek

While there are some improvements in Ariel’s financial education on Nang Magising Si Juan, there is still a lot to ask for.  In last week’s episode, Ariel ended up staying in a hotel because his electricity, water and telephone were cut off because he was unable to pay his bills.  Ariel is not as poor as not to find money for his electricity but he is not careful.  He forgot to pay the bills because he was too busy.  I had to remind Ariel that he can pay for his bills even by cellphone.Now he has to use his credit card to pay for his hotel bill and that adds up to his expenses.  Ariel didn’t even realize he was staying in aurumOne Makati Hotel that I own together with OFWs and members of KsKCoop.

At least, he remembered that he had to arrange for an interview with Ms. Yasly Corazon Jaen, Chief Admin Officer of Governance Commission for GOCC of LandBank Mobile Availer.  He learned that it is easy to get a salary loan. When you avail of a loan, you should have a mobile phone because you apply by text and you get the approval also by text within three days and the money is deposited to your account with Land Bank.

Tomorrow Aug. 10, watch the Ariel and the members of KsKCoop as they meet up in Hong Kong to discuss the projects of KsK.  We have sponsors for the show like Bulgar, Bounty Fresh Chicken Chooks-to-Go, Mang Inasal and LandBank of the Philippines.  With them, we are able to give all Filipinos information while watching an enjoyable comedy show.  Please pass the word to your family and friends.

“Nang Magising si Juan” Episode 12 Sneak Peek

Ariel, in Nang Magising si Juan last July 27, continues to believe that his real talent is in show business.  He looks for ways and means to support his feeling and he joins the Chooks-to-go caravan.  This is actually a good move on his part to understand his real passion.  This is what we should all do to really discover if what we believe to be our capability is really true.

In joining the caravan, Ariel got himself into the groove of all the fun that Chooks-to-go caravan had to offer.  He went to the extent of being personally involved in the activities, which was again very good to enlighten him. He was convinced that it was really his calling to be in the limelight and he made up his mind that he would be a good endorser of Chooks to go.

He thought he should resign from his job with Feeling Close with FJCshow and maybe even his job with PLDT.  He went to me first to resign and tell me about his plans. I was surprised and kept asking him if he already had a signed contract.  He was evasive and didn’t really confirm, but he was so sure he wanted to resign, so I accepted.

When Ariel went back to Chooks-to-go, he was shocked to learn that they already had a poster of their endorser.  He didn’t even know!

Tomorrow, Aug 3 at 8am on GMA News TV, join Ariel again when he is seriously unable to pay his bills.  On Nang Magising Si Juan, learn more about possible solutions especially regarding the mobile salary option of Land Bank.

 

Catch Nang Magising si Juan this Sunday, 8:00 am, at GMA News TV!

Nang Magising si Juan would like to thank its sponsors Bulgar, Bounty Fresh Chicken Chooks-to-Go, Mang Inasal and LandBank of the Philippines. With them, we are able to give all Filipinos information while watching an enjoyable comedy show.