Tag Archives: Francisco Colayco Facebook Page

How to Invest in a Mutual Fund while in Taiwan?

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Inquirer:
gusto qo poh sanang mg invest s mutual fund.pero d poh alam kng paano mg invest. Abroad poh dto poh taiwan. Almost 3 yrs n ngwo2rk. My konting ipon n rn sir kaso d qo poh lam san qo ila2gak un ipon q.

Guita of Colayco Foundation:
Maiging suriin mo ang KSK Coop na initatag para tulungan ang mga OFW na makamit ang kanilang wealth goals. Visit http://www.kskcoop.com at i-email si joel@colaycofoundation.com

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Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.
Upcoming Seminars:
July 27 (Friday), 1-5pm            Pera Mo Palaguin Mo Workshop
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market
Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks
Email renzie@colaycofoundation.com or SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Avail free personal finance articles on www.colaycofoundation.com
We look forward to building One Wealthy Nation with you!


Anong ibig sabihin ng high risk at low risk?

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Inquirer:

Ask lang po ako regarding dun sa sinasabing high and low risk investments…medyo puzzling sa akin ang mga ito.pwede po ba paki explain both ksi parang natatakot akong mag invest sa mga mutual funds dahil nga baka malugi ako later on…please shed me some light on these…thanks and godspeed

 

Guita of Colayco Foundation

Una sa lahat, ano ba ang ‘RISK’? Risk is the possibility of not getting what you were expecting.
Halimbawa, inaasahan mo na ang inilagak mong Php1000 ay lalago ng 20% (o kikita ng Php200) sa isang taon. Ang risko ay yung pagkakataon na hindi mo matamo  ung Php200 na kita na inaasahan o kaya ay hindi mo ito makuha sa loob ng isang taon.
MAHALAGA ANG RISKO SA PAGPAPALAGO – hindi ito puwedeng iwasan, subalit puwede itong pamahalaan.
May tatlong napakahalang katotohanan sa pagpapalago:
1. DIRECT RELATIONSHIP OF RISK AND RETURN: The higher the risk, the higher the potential return (o pita). The lower the risk, the lower the potential return.
2. INDIRECT RELATIONSHIP OF RISK AND TIME: If you have a long time horizon (mahaba panahon), you risk decreases (bumababa ang risko)…if you have a short time horizon (maiksi ang pantheon) the risk is higher.
3. ACCEPT RISK IF YOU WANT TO GROW YOUR MONEY: Kailangan tanggapin na may risko sa pagpapalago at matuto ng mga stratehiya kung paano ito pamahalaan upang hindi sugal ang kalabasan ng ating pagpapalago.
Kaya pagsinabing high risk – malaki ang chance na hindi mo makuha ang iyong inaasahan, pay low risk naman, mababa ang chance na hindi mo makuha ang inaasahan.
Ang mutual funds ay medium risk investment (sa gitna ng low at high). Sa Colayco Foundation inaanyayahan naming ang karaniwang Pilipino na makilahok sa mutual funds dahil sa magandang returns nito sa riskong namamahalaan. Kung magiinvest sa mutual fund, kailangan handa kang iiwan ito na nakainvest ng 3 hanggang 5 taon (sa ganitong paraan mapapamahalaan mo ang risko). At huwag magpanic kung bumababa ang halaga ng investment ng dahil sa pangdaigdigang or pambansang economic trouble – lugi ka lang pagnilabas mo ang pera mo pagmababa ang halaga nito, pero habang nasa investment ito paper loss lang iyon.
Mas maiging dumalo ka sa susunod naming workshop na gaganapin sa Mandaluyong City (along Shaw Blvd.)
July 27 (Friday), 1-5pm            Pera Mo Palaguin Mo Workshop
Aug 4 (Saturday), 1-5pm          Pera Mo Palaguin Mo Workshop
SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!
Dito mas maliliwanagan ka tungkol sa pamamahala sa risko, pati na rin tungkol sa mutual funds at iba pang mga available na investment instruments.
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Discover your options for taking hold of your personal finances, growing out of debt, and building wealth through Colayco Foundation’s publications and training.

Avail free personal finance articles on www.colaycofoundation.com
Other Seminars by Colayco Foundation
Sept 1 (Saturday), 9am-12nn    InvestAbility: Stock Market

Sept 1 (Saturday), 2-5pm         InvestEd: Analyzing Stocks


SMS 0917 808 8857 for more information and to check if you qualify for BIG discounts!

Is this a Scam?

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Inquirer:
sana naman po masagot nyo sa column nyo ito o dito na rin sa FB ko.kasi ang problema ko eh may puhunan pa ako pero hindi naman bumabalik sa akin ibig ko sabihin yun pumapasok na pera.Kasi yung mga parokyano ko kasi eh naagaw na ng iba.di pa naman tlg lugi o lubog negosyo pero papunta na dun.sa ganitong problema sa ako hihingi ng saklolo?kailangan ba na may grupo ako o kasali sa cooperatiba na may kinalaman sa negosyo ko?kung halimbawa wala nito ano pa po solusyon? naniniwala po ako na walang short cut sa pagyaman ayon na rin sa inyo yan.pero nais ko na rin pong malaman sa inyo kung totoo po itong sa TVI express na ito.ang membership ay 16thou at kung gusto ko makatanggap ng 30thou a month ay magrerecruit ako ng dalawa.at pag yun mga narecruit ko ay ganun din ang ginawa hanggang sa dulo ay pwede akong makatanggap ng paulit ulit na 500thou a month.alam nyo po yun nakinig ko itong 500thou na ito eh mawalan ako ng gana. kahit alam ko na ito eh nais ko pa rin malaman ang sasabihin nyo para matahimik na rin ako bago ko gustuhing tuluyan ipahamak ang sarili dahil sa sitwasyon ko.nakakatukso po ito walang kahirap hirap.alam ko kung anuman ang narating nyo ay dahil sa inyong sipag at tiyaga pero sa kaso ko eh parang itinutulak sa bangin.buti na lang po may katulad nyo na puwedeng mahingan ng payo.salamat po at lagi po kayong magiingat para marami pa kayo matulungan.

Guita of Colayco Foundation:
Sa naikwento mo mukhang kaduda duda ang kumpanyang yan – masyadong malaki ang kumisyon sa pag pasok lamang ng miyembro. Nag-search kami sa google at may mga result na nagsasabi na under investigation ang kumpanyang ito sa ibang bansa – http://kschang.hubpages.com/hub/TVI-Express-Timeline-what-really-happened-when-and-where

 

 

 

 

I’ve recently become more involved with Colayco Foundation for Education, the first, most experienced and most effective in teaching personal finance to Filipinos, and I’ve answered so many questions about investing, managing money, business, etc. Names have been redacted. Most of these are originally found on the Francisco Colayco Facebook Page, Colayco Foundation and Francisco Colayco Website

Should I Switch to Mutual Funds from UITFs

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Inquirer:
i have uitf fund in pnb(dollar & peso) it is a good investment fund or mutual fund is better? thank you very much…

Guita of Colayco Foundation

UITFs are very similar to MFs. It essentially works and grows your money in the same way: pooling of funds from various investors to invest in the stock, debt and money market, depending on the type of fund chosen.

The notable differences are the following:
1. UITF management is by a bank because it is a bank product. MF management is by an MF management company.
2. In MFs, once invested you are a shareholder with voting rights (like in a corporation).

If you are happy with the performance of your UITF there is no need to redeem your funds and invest in an MF.

Compare performances of UITFs and MFs on these sites:
UITF: http://www.uitf.com.ph
MF: http://www.pifa.com.ph

It would be best to learn how to pick the best investment for you at one of Colayco Foundation’s upcoming seminars.

Upcoming Colayco Foundation Seminars:
Aug 4, 1-5pm            Pera Mo Palaguin Mo Workshop
Sept 1, 9am-12nn    InvestAbility: Stock Market
Sept 1, 2-5pm           InvestEd: Analyzing Stocks
SMS 0917 808 8857 for more information

Where to Invest my Php20K?

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Inquirer:
I want to start to invest my money, around P20,000+, am into networking business and parang hindi ko alam kung san napupunta ang income ko, hope you could help me, am living alone and I want to make my money work for me someday. Please enlighten me…Thank you.

Armand of Colayco Foundation:
BEST TO EXPLORE ARE MUTUAL FUNDS; MORE SO IF THAT 20,000 PESOS IS SOMETHING YOU WILL NOT TOUCH BUT ALLOW TO GROW IN 3 YEARS OR LONGER.

Inquirer:
pwede ka pong bumili inany banks, mag inquire rin po kayo sa sunlife

Guita of Colayco Foundation:
You may check http://www.pifa.com.ph for a complete list of available mutual funds. Or you can also avail of bank products called UITFs – a list can be found on http://www.uitf.com.ph

 

 

I’ve recently become more involved with Colayco Foundation for Education, the first, most experienced and most effective in teaching personal finance to Filipinos, and I’ve answered so many questions about investing, managing money, business, etc. Names have been redacted. Most of these are originally found on the Francisco Colayco Facebook Page, Colayco Foundation and Francisco Colayco Website

What’s a Good Small Business?

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Inquirer:
penge naman payo kung anu po ba magandang pasukin na negosyo ung maliit na kapitl lang? ang hillig kopo ay pagluluto

Guita of Colayco Foundation:
Suriin mo ang inyong area kung may opportunities para sa food based business…
- kainan (karinderya, food stall, coffee shop, restaurant, etc.)
- food product – i.e. atchara, cookies, etc.
- catering/order food
Marami pang puwedeng negosyo na magagamit ang hilig mo sa pagluluto.

Mahalaga na gusto mo ang negosyong papasukan mo…kasi kung hindi mo ito hilig pipilitan mo lang ang sarili mo na magsumikap.

 

 

I’ve recently become more involved with Colayco Foundation for Education, the first, most experienced and most effective in teaching personal finance to Filipinos, and I’ve answered so many questions about investing, managing money, business, etc. Names have been redacted. Most of these are originally found on the Francisco Colayco Facebook Page, Colayco Foundation and Francisco Colayco Website