Where I Should put My Investment?

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Where to invest your money or savings is an important decision. Having money in a savings account is a good start but it is still not enough. The next step should be to look for is an investment opportunities that would make your money truly grow. Ang totoo, yun pera mo na inilagay mo sa iyong savings account does not really grow.  In the long run, the money you earned through savings is beaten by the rising inflation rate. Example meron ka pera sa savings account  mo na P10,000.00 pesos na may interest rate na 1% per annum magkano lang ito sa loob ng isang taon lumalabas na kumita ka lang P100.00 pesos di ba. Pero yung true value ng pera mo after 1 year ay maaring bumaba ang value kaysa sa tumaas dahil sa inflation rate o pagtaas ng mga bilihin. Dahil yun 100.00 pesos mo noon ay mas maraming mabibili kaysa sa 100.00 pesos mo after 1 year.

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Here are some of investment vehicles na kung saan natin pwedi ilagay ang ating pera, but of course you need to decide which is the best investments vehicles that is suitable to you.

•  Bond

The term bond is commonly used to refer to any securities that are founded on debt. A bond is basically a loan, kung saan nagpapahiram ka ng pera sa isang company or a government institution. In return, you are paid interest during the life of the bond, and get paid the principal amount of the bond at the end of the term.

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•   Stocks

This is a type of investment vehicles that gives you shares of ownership in a corporation. When you buy stocks of a publicly listed company you become a part owner of that company. Here are some of the publicly traded company listed in the Philippine Stock Exchange (PSE) San Miguel Corporation (SMC), Jollibee Food Corporation (JFC), First Philippine Holdings Corporation (FPH) and many more. You can invest in their stocks through a license Stockbroker. Your money will grow in the stocks in two ways:

      1.) Through capital appreciation or when there is an increase in the market price of your stocks.   

        2.) Through dividends issued by the company you invested in.

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To know more about investing in the stocks click the link about stock market....

•  Mutual Funds and UITF

        Mutual fund and Unit Investment Trust Fund (UITF) is both a method of investing that collects money from a number of investors to be able to buy and trade government securities or stocks. This means that money from different investors is combined into a single fund. The combined funds may then be invested into bonds, equities, even foreign exchange and etc. Mutual funds and UITF are always managed by an expert called the ‘fund manager’. To know the difference of mutual funds & UITF go to this link. There are some banks offering UITF in the Philippines like Banco De Oro (BDO) and Bank of the Philippines Island (BPI). You can inquire to them regarding Unit Investment Trust Fund (UITF) and I know you can start investing by as low as P1,000.00 pesos monthly. To know more about mutual funds click here.

•  Time Deposits

         A time deposit is a fixed-deposit which cannot be withdrawn for a certain period of time. In general, the higher the amount & the longer the period you choice in depositing of course the higher the returns. In the short term, time deposits are useful. However, for wealth building, they are almost useless because their returns are always lower than inflation.

Disclaimer: I’m not a financial expert adviser or a license stockbroker, I’m the same as you looking for the best option where I can put my money to make it grow and I found out through investing. I’m very happy that I joined truly rich club, dahil sa club binuksan nila ang aking kaisipan about investing, saving at iba pa. They guide me and motivate me to reach my financial goal, iniimbitahan ko din kayo to join us click here to sign up.

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P.S.1 The idea of this topic was taken from Investing 101 e-book & Stock Market Jump Starter e-book by J3 Patiño.

 P.S.2 Do you want to gain Financial wealth & Spiritual abundance at the same time? 

 Join us at the Truly Rich Club now founded by Bo. Sanchez, its purpose is to "help good people  become rich". Because of the guidance I get from the Club, I’m now investing in the Stock  Market! I’m inviting you to join the Club too. If you’re interested, click the link here Truly Rich  Club.