How to Invest for Beginners in the Philippines

This blog already moved to www.savingspinay.ph If you want the latest tips and stories on budget, savings, investments, productivity and making extra income go HERE instead.

Let's admit it, "INVESTING" is such a foreign word for Pinoys. A lot of Filipinos are afraid of the word "investment" thinking its a scam, networking or tactic to lure people and lose their money. But investing doesn't have to be complicated. It's just a necessary move that every Pinoy ought to learn and take. If you have zero idea How to Invest in the Philippines or already an Investor but would want to gain more knowledge then this post is for you. 

Now this page doesn't focus on Stock Investing alone. This is a much broader informative post wherein I included the rest of the investment vehicles you need to know about. I have no prior and hands-on knowledge investing in stock market so I want to generalize everything instead. Reading this article will help you learn the following:

1. The Difference between Saving Money and Investing Your Money
2. The Different Investment Vehicle Available Today
3. Myths About Investing that Keeps You from Growing
4. Step By Step Procedure on Investing for the First Time

Investing at 19-years old

It was year 2013 when I (impulsively) did my biggest financial decision so far. I invested in a Mutual Fund under First Metro Asset Management, Inc. I resigned from SEO-Content Writer job and used my last salary as an initial fund and money to do all the step-by-step procedures. READ: How I Opened my FAMI Mutual Account ( STEP by STEP GUIDE w/ PICTURES)

I felt so accomplished upon receiving my Statement of Account. I now own "some shares" on big companies in the country from fast food giant, property developers and banks etc. I was definitely on cloud nine since I was only 19 years old yet I was able to try the world of investing. 

But it takes a lot of financial discipline to remain on top of your investing game. I have my ups and downs financially. It was such an impulsive move since I didn't foresee that the next job I'll be having would pay me less. I failed to invest for two consecutive months. 

Fortunately everything worked out for the better. I got a major salary increase not just once, twice but thrice. At 22, my FAMI-SALEF investment is going strong. READ: FAMI-SALEF 2016 Update. I check my investors profile regularly and the NAVPS is just getting better and better. I seriously have no regrets at all that I tried investing at 19-years old. It is one of the the biggest decision I've made that I know my future self will thank me for.

You too can start investing now. I hope at the end of this article you will be encouraged to be better in your finances. Save Now, Invest Now and walk you way to financial success.

The Difference between Saving Money and Investing Your Money

It is important to understand the difference between saving and investing your money. This can give you a better perspective in your financial life. 

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Saving Money is low risk and very liquid. Meaning the purpose is to keep an amount for you to use on a short time frame. For example you save money for a new gadget, a birthday dinner and/or a holiday vacation.

Investing Money is high risk and not liquid at all. Meaning the purpose is to put an amount for you to use in a long time frame. You invest your money to build wealth and get something in return. 

To put simply, you save money in case you will be needing it in the near future. If you're not going to need the money and you want to let it grow then you should invest it. The key is to save and invest. You can't be rich by just saving money on the bank because they offer too little of interest rate for your money to grow. You also can't be secured if you just keep on investing your money without proper savings.

The Different Investment Vehicle Available Today

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There are many different types of investment vehicles you can choose from. It all depends upon what type of investor you are and how much money you have as an initial investment. 

Below are excerpts from my blog post Are You Ready to Ride? Here are the Investment Vehicles You Ought to Know.

Traditional Investment Vehicles

1. Savings Deposit

This is the safest and most common type of investing vehicle. All you need to do is to park your money on your desired bank. This will cost you minimal opening fee, no risk at all but will also earn you little interest or growth. If you want to know more on how to safely park your money via savings account then click HERE.

2. Time Deposit

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My father once advised me to open a time deposit especially if I already have enough savings. This yields better than a savings account but you can't use your money for a given time frame in order to get the benefit of the interest this means that if you decide to withdraw earlier than the maturity period you'll lose some money rather than gain.

3. Treasury Bills

This is an uncommon type of investment vehicles but may result to a higher return than savings account. You lend your money to the government so the risk is lower but then you need a higher amount to open an account.

4. Retail Treasury Bonds

This investment is like treasury bills wherein you are lending your money in the government. Retail Treasury Bond was created to accommodate small investors that can only spare a good 5000pesos in their initial investment. The result of continually investing in an RTB has way higher return than Time Deposit.

5. Stocks

This type of investment comes with the highest risk among every other investment vehicles but the return will amaze you just as long as you know how to invest intelligently. Owning a share of stock in a company means you taking an ownership stake in the company too. COL Easy Investment Plan is one of the main option when it comes to directly investing in stocks.

6. Mutual Fund 

This investment vehicles allows small investors to put money on stocks indirectly. This means you will have to entrust your money on a financial institution and will be invested in a diversified portfolio depending on your investment characteristic. To know more about managed funds then make sure to visit my blog post, Understanding Managed Funds as an Investment Vehicle in the Philippines.

RELATED LINKS:

1. SavingsPinay Series: Yumaman sa Mutual Fund!
2. SAVINGSPINAY SERIES | Day 1 : Mutual Fund: Ano, Sino, Saan, Kailan, Bakit at Paano?
3. SAVINGSPINAY SERIES | Day 2: Gabay sa Tamang Pagpili ng Mutual Fund
4. SAVINGSPINAY SERIES | Day 3: 5 Bagay na Dapat Mong Malaman Tungkol Sa Mutual Fund
5. SAVINGSPINAY SERIES | Day 4: Kaya Mong Yumaman sa Mutual Fund

SOME MUTUAL FUNDS I HAVE FEATURED ON THE BLOG:

1. Soldivo Mutual Funds First Impression
2. ART Em King Mutual Fund First Impression

7. Unit Investment Trust Fund

Unlike a private financial institution in Mutual Fund, UITF or Unit Investment Trust Fund goes to the banks. BDO is known for their UITF account with as little as Traditional Investment Vehicles.

SOME MUTUAL FUNDS I HAVE FEATURED ON THE BLOG:

1. BDO UITF First Impression
2. PNB UITF First Impression
3. Security Bank's UITF First Impression
4. BPI Investment Fund First Impression

Non-Traditional Investment Vehicles

There are also alternative investments you can try which more often than not require a more complicated investment strategies. These non-traditional investment vehicles are generally risky and will not guarantee favorable return. 

Real Assets such as real estate, oil, precious metals like gold, silver and bronze as well as agricultural land fall in this category. They are those that appreciate in value over time. Also counted in this are luxury and collectible goods like jewelries, wines, paintings etc. 

Myths About Investing that Keeps You from Growing

In my post Believing These 4 Myths About Investing Keeps You From Growing I debunked the top investment myths and ears that make people of all ages, gender and income put investing on the side. Here they are:

Myth #1. Investing needs a lot of money

Yes, but NOT at all times. There are investment vehicles that require as low as 5,000pesos to begin. The government have been very supportive for people to learn the value of investment and a lot nowadays require only minimal amount to start.

Myth #2. Investing is too risky

The risk factor in investing is inevitable but its all worth it. No investment can guarantee returns overnight, the longer your money stays invested the better the return. This is also the reason why you need to start investing as young as possible. 

Myth #3. You must be an "economic major" or "math genius" to be an investor

Very wrong. I, for example, is very bad in numbers but I do love investing. The concepts in investing are very basic and you can easily follow through to calculate your gains and/or loses. 

Myth #4. Investing is all about "being rich"

Yes being rich is the ultimate goal if you are investing but the process will give you so much more learning. You'll learn to budget just to have enough savings to invest. You'll also learn how to be financially independent at a young age and find different sources of income since investing itself is so addicting. You'll also learn to set goals and aim high to achieve them. I guess it's good to say that the "wealth" is just the cherry on top.

Step By Step Procedure on Investing for the First Time

Step 1. Get on Track with Your Finances

Before you try to invest for the first time you should first sort things out financially. You should know your current income and whether it could supply to your needs in addition to the investment you'll be making. Yes initial investment is not that high but the actual money you'll be putting as a top up matters. READ: Why You Must Know Your Financial Net Worth Now

Step 2. Assess What Kind of Investor You Are

Next step is to know what type of investor you are. This will guide accordingly on the right kind of investment to make that will maximize your potential income. 

There are Three Types of Investors 

1. Conservatives or those who have low risk tolerance. They lean more on a portfolio that offers steady growth with low risk. They are easily swayed by negative news on surrounding the market and will need further explanation before making a financial decision.

2. Dynamics are people who have the highest risk appetite as an investor. They want capital growth through long-term investing. They do not get easily scared if they loss money for they remain positive that as long as they continue to invest things will change. 

3. Balanced are investors who are a mixture of the two. Their risk tolerance is on a medium level. They love capital appreciation through investing in a long period of time but will still get fearsome in case things don't go along their way. 

Now there are three deciding factors that could determine what kind of investor you are namely age, years you want to invest and risk you are okey to take. In a normal situation, the younger you are the more time you have to grow your money and the more risk you are able to take. 

As you grow older you have more needs and responsibilities in life that can lead to shorter waiting period for your investment to grow and lower risk you can take. 

Step 3. Choose Your Investment Vehicle

Once you have determined what kind of investor you are then it will be easier for you to choose your first investment vehicle. Conservative investors often go for time deposits, special savings accounts and government securities because they are a very sure type of investments. 

Balanced investors love Mutual Fund and Unit Investment Trust Fund on Equities and Bonds. They may also choose investing on direct stock market but on very selected and established companies that already have proven track record. 

Dynamic investors on the other hand are willing to trade on stock market or try non-traditional investment vehicle as a way of diversification. 

Step 4. Learn Your Investment Strategy or Style

Once you have chosen your investment you are ready to start investing. You will learn a lot along your investor journey from the right strategy to apply. I, for example have been a big fan of the peso-cost averaging method on my first mutual fund investments. 

Step 5. Assess and Review

Make sure that you always check how your investments are going. Review whether your portfolio still satisfies you as an investor. Withdraw your money in case something unwanted is happening or if you feel like the market is literally closing down on your set of portfolios. 

Step 6. Diversify

The final step is to diversify your investments. Diversification is a financial technique that reduce the risk factor of investing by allocating your investments under other investment vehicles, other industries, and/or under other varied categories. In my Top 10 Most Important Lessons to Learn in Personal Finance Day 4 I mentioned the importance of diversifying your investments.

You can diversify among different financial vehicles, assets such as bonds and stocks and market values. Do not just put your money on a time deposit account but aim high to have your other money on mutual funds, stock market or even a real-estate property.

Final Notes from SavingsPinay

The key thing is you need to know whether your diversification helps you in attaining your financial goals. You'll know when is too much naman because we are talking about your hard-earned money. Investing in the Philippines is very easy to be honest. You just need the strong will to begin and the financial discipline to maintain a positive finances. It is actually addicting to save and invest and it's something I realized after I made my first investment three years ago. Currently I am busy getting my finances in order before 2016 ends. I just want to prep everything before the New Year begins. My goal is to not commit the same mistakes over and over again which I have shared in my confession post before.

Are You Ready to Invest?

Shoot me a message in izzaglinofull@gmail.com

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• Or leave a comment below!!!

This blog already moved to www.savingspinay.ph If you want the latest tips and stories on budget, savings, investments, productivity and making extra income go HERE instead.

7 Ways You Can Invest in Yourself

I don't settle for mediocrity. I hate to live my life as an average. That's the reason why I constantly seek for personal success whether through new goals achieved, new habits gained, new books finished, new tasks done etc. I love developing myself personally and professionally by investing in myself.

So I thought it would be nice to share the 7 Ways You Can Invest in Yourself Too. Its time to think about you and how you can make a better life. We are all about giving to others that we forget to give to ourselves and this post is a complete opposite. We will be a little selfish and empower each other.

Investing in yourself is important because its your own way of living life better. The return of your investment is passive, meaning it grows exponentially without you even lifting a finger. If investing your money comes with inevitable risk-factor, investing in yourself is complete opposite.   Its risk-free and full of rewards instead. 

Let's begin!

1. Invest in a Morning and Evening Routine

Having a happy morning will lead you to a happy evening and vice versa. Its important to have a perfect morning routine and perfect evening routine that will lead you to success. The way you shape your day will make a big difference on your future. It would either make or break you. Personally, having a morning and evening routine lead me to a clearer day. I feel more inspired to work and plan for the future. I see investing in a morning and evening routine to be the first on the list and the easiest to accomplish.

• Create a Morning and Evening Skincare routine

Establishing a good skincare routine is non-negotiable. When you look good outside you feel better inside. See my own day and night skincare routine as reference.

• Try the Miracle Morning

I stumble upon the idea of Miracle Morning on BohoBerry, one of the page I visit for bullet journaling inspirations. Anyway, the goal is to be as productive as possible before your actual day begins.

• Miracle Morning suggests the acronym S.A.V.E.R.S.

S is for Silence like meditation, prayer, breathing exercise or any activity that will calm your soul and mind.

A is for Affirmation or encouraging words that will help you see the day better.

V is for Visualization where you'll set a nice vision of the day and really set your heart and mind for a productive day.

E is for Exercise or any physical activity you can include to get the blood and oxygen flowing to the brain.

R is for Reading where your positive thoughts and ideas are available to improve yourself. 

S is for Scribing more known as writing which is a good way to process your thoughts first thing in the morning.

• Try to switch off your phone or any devices before bed 

This will enable you to really focus on either pampering or dozing off.

2. Invest in Knowing What You Really Want in Life

The most difficult part of growing up is knowing what you really want in life. Your choices shift a lot, your views and opinions change in an instant and you get easily caught in everything that's going on. My best advice is to figure out what you love, continue planning what you want for your life and lay down all the next actions.

• Set some goals 

If you haven't tried doing some major goal setting in your life then what are you waiting for? Learn how to set some personal and financial goals that can put you on a rather productive phase. 

• Discover your strengths and be aware of your weaknesses

Doing some SWOT analysis on your life will help you build a better you. Ask yourself what are you good at and focus your time and energy building your life around those strengths. 

• Journal a lot

Writing helps to become more intentional in the way we live. Start a journal and continue reflecting on your life. Journaling is life changing. It will disclose the things that you never understood about yourself, your thoughts and your life. READ: Finding Out What You Want in Life

3. Invest in New Skills

Continue improving your life with new skills and new learnings here and there. Read books, blogs and news that interest you. Sign up for free online courses and free eBooks that will teach you something new. Attend seminars and workshops to expand your knowledge and skills both personally and professionally. READ: 30 Do's and Don'ts of a Successful Person

• Enrich your mind through reading

Instead of wasting you precious time on social media why not start reading books and blogs instead. Go visit a bookstore today and scan through books for new lessons. 

• Find out seminars and events you can attend

You can always search online for free seminars, events and workshops you can attend personally love joining these affairs because it opens new opportunity to learn.

4. Invest in Your Health

I came from the biggest shock of my life health-wise and its NOT funny. Being sick is a waste of time, energy and money. It is nice to invest time taking care of yourself and your health. Health care is very important because if you want to be successful you need your body to agree with you too. Stop abusing your body or else it would fire back at you. READ: All About PhilHealth

• Don't feel bad getting a check up as long as you feel much difficulty and something is bothering you. 

• Try to invest in a health card if and then your company doesn't provide. 

• Eat and drink healthier than before. My mom does this detox water with lemon and cucumber and its super nice to have morning and night.

5. Invest in your Finances

You cannot let your money issues rule your life forever. Getting your finances in order is one way, saving money is another. Have all the means to be financially stress-free. We need to stop neglecting our financial obligations from building a emergency fund to getting out of debt. You need to learn how to handle your finances wisely.

• First figure out how you are spending your money by creating a budget

A spreadsheet or document will do. Better yet download my 50-20-30 Budget Template instead (email request at izzaglinofull@gmail.com) 

• Start saving for the important funds of your life 

This includes your emergency fund, investment fund, retirement fund etc. 

• Don't be in debt

Avoid incurring more debt by learning to live within your means. Always aim for a positive finances no matter what. 

• Start thinking about your retirement

The best time to invest in your future is today. The lesser financial responsibilities you have the more you can contribute to your retirement fund. 

6. Invest in Your Relationship with Others

You need to start building good relationships that can be your own network of people as you grow. Its better to have few but trust-worthy friends than surround yourself with people who are harmful to you. READ: 5 Financial Advice for Single Pinays

• Learn how to let go

It takes a lot of maturity and courage to let go on the people that caused you too much pain. Know that you deserve only the best in life so don't waste your time minding people who don't add to your wholeness. 

• Be there for your family no matter what

Know that they are the only people who will be there for you when you need them. Make an effort to remember special dates and birthdays in your family and close friends. You don't need to give gifts just small gestures and let them know you appreciate their presence in your life.

• Accept that you can't please everyone

No matter what you do or what you say you can't force someone to appreciate you on your own liking. You need to earn their respect.

7. Invest in Your Spiritual Life

I've been a push-and-pull situations towards my spiritual life but I thank God for not letting go of me. He always remind me of the value of faith and of living an intentional life. I believe its important to take a good look on the activities we do for the glory of God. We need to invest our time and efforts to nurture our faith. The primary goal of knowing Jesus and building a God-centered life should be the number one priority. 

• Begin and end your day with a thankful heart

Stop holding grudges on your current status but try to be grateful on the small things that make your day better. 

• Read the Bible

The Bible holds all the answers to our life's important questions. The Bible is also important to read for knowing God and His will for our lives. 

Overall

To  end this post I want to give you some small actions you can do that can lead you to better life. Choose something you can start today and find out how these small acts can empower you.

a. Create a Bucket List. See mine here >>>

b. Have a Mid-Year Review. Ask yourself these four questions and write your answer:

What am I most proud of so far?

What could have been better?

What baby steps can I take to improve?

How can I build upon my successes?

c. Choose one physical task you can do today and something you've been neglecting for a long time.

d.  Plan your day in advance. Learn to do a to do list and ace each on your list.

e. Sleep and Wake Up Earlier. Proper sleep can give you a ton of benefits. It allows you to be more productive and enjoy your sleep. 

f. Develop Habits and Routines. Daily routines give a structure on how you live your life. Its nice if you incorporate as many new habits and routines on a regular basis.

g. Travel. Save money and make time to travel. Learn new culture, cultivate on new surrounding and immerse yourself with the nature. You will find yourself having new perspectives on life.

What investment are you most eager to do for yourself today?

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How to Actually Be Good in Money

ATR Em King Mutual Fund First Impression

Here's a new first impression on a investment vehicle as a guide to first-time investors and those who are looking for diversification. Today we will be talking about ATR Em King Mutual Fund by ATR KimEng Asset Management. 

Quick Review

Mutual Fund is a perfect investment vehicle for beginners. It is an indirect stock investing wherein you let the trusted financial manager handle your investments. You own shares on the companies inside your specific portfolio through the investment you make. A mutual fund is also anchored accordingly to your objectives and what kind of investor you are. 

Other First Impression:

1. BDO UITF First impression
2. BPI Investment Funds First Impression
3. PNB UITF First Impression
4. Security Bank's UITF First Impression
5. Soldivo Mutual Fund First Impression
6. Philequity Dividend Yield Fund First Impression

Benefits of ATR Em King Mutual Fund

ATR Em King offers different mutual fund depending on your goal. They rose to fame by becoming the back to back best performing mutual fund on year 2013 and year 2014 with ATRAM Philippine Equity Opportunity Fund (first year) and ATRAM Alpha Opportunity Fund (second year).

You can do deposit your money through partnered banks including HSBC, BPI and/or BPO. 

You can download all the account opening forms online Click Link.

How ATR Em King Mutual Fund works?

ATR Em King is one of the best mutual fund in the country. Its been part of the Top Performing Mutual Funds for years proving its worth to the investors eyes. They offer seven (7) mutual fund registered with the Securities and Exchange Commission (SEC) namely:

ATRAM Philippine Balanced Fund, Inc.

• This fund is a balanced fund invested in Philippine fixed income and equity securities. 

• The objective of the fund is to seek total return through current income and long-term capital growth through investment in listed and non-listed equity securities in the country.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is moderate

ATRAM Philippine Equity Opportunity Fund, Inc.

• This fund is an equity fund invested in Philippine mostly equities.

• The objective of the fund is to seek absolute returns through long-term capital appreciation through investment in listed and non-listed equity securities in the country.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is very high

ATRAM Alpha Opportunity Fund, Inc.

• This fund is an equity fund invested primarily in small and mid capitalized equity securities. It is also strongly focused on companies with strong growth potentials.

• The objective of the fund is designed to achieve stable returns by investing in fixed income securities issued by the Philippine government and select companies.

• Minimum initial investment needed is 100,000.00

• Minimum additional investment is 50,000.00

• Risk Grading is very high

ATRAM AsiaPlus Equity Fund, Inc.

• This fund is the first local mutual fund to be invested primarily in Asian equity securities.

• The objective of the fund is to provide investors with long-term capital growth by investing on Asian equities through selected funds and listed stocks.

• Minimum initial investment needed is USD 2,000

• Minimum additional investment is USD 500

• Risk Grading is very high

ATRAM Total Return Dollar Bond Fund, Inc.

          

• The objective of the fund is to invest and reinvest mainly in a diversified portfolio of high quality long-term and short-term debt instruments and securities available in the Philippines and other countries. 

• Minimum initial investment needed is USD 2,000

• Minimum additional investment is USD 500

• Risk Grading is low to moderate

ATRAM Dynamic Allocation Fund, Inc. 

             

• This fund is a balanced fund invested in Philippine fixed income and equity securities.

• The objective of the fund is to seek total return through current income and long-term capital growth through investment in listed and non-listed equity securities in the country.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is moderate

ATRAM Corporate Bond Fund, Inc. 

• The objective of the fund is to achieve stable returns by investing in fixed income securities issued by the Philippine government and select companies.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is moderate

RELATED:  How to Invest Your 5,000 Pesos

How to Open ATR Em King Mutual Fund?

1. For Individual Accounts prepare the following:

1. Duly and full accomplished Client Account Form. Available in the office of ATR Asset Management or Download for free on the websites www.atram.com.ph

2. Any two valid photo-bearing government-issued identification card or documents
3. Any other documents which ATR Asset Management may find necessary. This mostly depends on the type of mutual fund you want to open.  

2. You need to visit the office for your signature specimen and to pass all the needed documents. 

ATR ASSET MANAGEMENT

15th Flr. Tower One & Exchange Plaza,

Ayala Triangle, Ayala Avenue, Makati City 1200

3. Pay your initial investment through Check Payment or Deposit or Remittance on the Fund's Account. 

See below for the account numbers:

4. To process your initial investment you need to send a scan of your deposit slip at ird@atram.com.ph

5. You can access your investment status online through the ATR Em King Online Portal. You will be receiving an email with your login details after 2-3 banking days.

RELATED: How to Worry-Free Invest in the Philippines

My First Impressions

First and foremost the name of the fund is sooooo confusing. I actually can't remember it at all. ATR Em King Mutual Fund is another stable investment vehicle available for beginner and seasoned investors. Most of its mutual funds are seen in the Top Performing Mutual Fund in the Philippines.

The thing that strike me the most about ATR Em King is how cool and diverse their fund offering is. They have a mutual fund meant to be invested primarily in Asian equity securities. This is the first in the Philippines and though the amount is too high for beginners I am still amazed.

I love the fact their website offers detailed information about each mutual fund. This gives you a lot of time to understand which mutual fund is right for you. They also give information on the risk involved on each investment which is an absolute plus.

What fund will I choose if ever? In my personal opinion I will probably choose the ATRAM Philippine Equity Opportunity Fund since I am used to equity funds already with my first mutual fund, FAMI-SALEF. 

The CONS

1. Initial Investment is quite high. The initial investment for some of the funds is 10,000pesos. 
2. Top up of investments through bank. Now I'm not sure if they have an online payment already since I don't have first person experience with ATR Em King but visiting the bank and filling up deposit slip every time you invest can be a hard task. 

RELATED: Where to Invest this 2016 in the Philippines

Overall

Again since I already have my Mutual Fund I will say pass on ATR Em King at the moment. I am still hoping to open my first direct stock investment through COL-Financial at the start of 2017. ATR Em King is pretty solid as a mutual fund business in the country and I do wish the performance of the fund will be well especially in the coming holiday seasons. 

I hope this First Impression helped. Let me know if you have tried ATR Em King as an investment vehicle. Are you ready to invest?