Letter From The Editor-In-Chief of Think Philippines!

Mabuhay Filipino Thinkers!

We noticed here at Think Philippines! that there is an on going trend of scams online ngayon. Most of these people are abusing the lack of financial education ng mga simpleng tao and their desire to grow their funds plus an absence of choice ng alternatives aside sa paluwagan.

Ever encountered someone sending you a PM kahit mo close ng  “Grow your 1,500 pesos to 10,000 pesos! Ask me how!”.

In this article, we are going to share our views on how we should see this scam and give you a legal alternative which have a proven track record in growing funds up to 37x in a period of 21 years, yet it is tax-free.

We hope that we can spread the message across the globe and ma minimize natin ang mga tao na nasisira ang mga pangarap dahil sa lack of information at ending, nag pasok ng pera sa isang scam at ngayon ay di na makalabas dahil wala na ang may mga ari.

Disclaimer :

This article will be written in Taglish for the aspiration to directly connect with most of our readers all around the globe. Investing should not be intimidating, we will try our best to release articles in Ilonggo soon.

Thanks and God bless!


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My satirical post last July 22, 2015

Last July 22, 2015, I personally made a satirical statement online about the trend of “Turn your 1,5000 pesos to 10,000 pesos” online and do not even have any plan to write about it until 3 of my facebook friends and 2 personal friends sent a PM to me na akala nila totoo and nag tatanong kung paano.

Despite the obvious red flags tulad ng ang meeting place ay sa : City of Dreams, Solaire at Resorts World na lahat ay casino at saka within 3 hours na sobrang bilis. Meron pa rin kumagat by chance.

I was forced to put a disclaimer tuloy na ito ay “SATIRE” while my immediate impression ay natawa a greater percentage of me ay nalungkot. If it can happen to my sincere friends, paano pa sa iba? From there, we realized we should take action.

We noticed that there is a great task for everyone to inform more Filipinos about alternative way on growing their money while being protected by existing Philippine laws.

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Allow me to share with you in my humble opinion how anyone can start investing an growing their money through pooled money while not sacrificing a lot of your time.

ALTERNATIVES :

1) VARIABLE UNIT LINKED / INVESTMENT LINKED INSURANCE /  INSURANCE –

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PHOTO BY SUN LIFE FINANCIAL

You can start saving from this with just 1,800 pesos a month for 120 months or 10 years. Imagine ganong ka liit yun, around 60 pesos per day.

Imagine the difference, legal na legal ito at regulated by Insurance Commission pero makaka ipon ka non at protected ka pa. When something happens to you anytime 30 days after ka mag start ng pa-unang bayad mo ay insured and protected kana.

Kahit sabihin mong mabayaran mo na yung 1,800 pesos mo  x 120 months ay matagal pero kung susumahin ay  216,000 pesos lang iyon lahat na principal mo. Halos hindi mo ito mararamdaman pero with the insurance benefits, ang protection mo aabot ng 800,000php plus.

Hindi na masama diba?

Ayos dba? In any case na hindi mo magamit ang mga benefits, pwede mo kuning yung 216,000 pesos na principal mo plus interest pero minus yung insurance and premium cost of course.

Yan ang tunay na money back guaranteed.

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2) UNIT INVESTMENT TRUST FUNDS –

You can simply go sa kahit anong bangko sa Philippines and ask them for their “Managed Funds” at ikaw ay e-endorso nila sa UITF na animo’y parang Mutual Fund pero ang maganda dito, regulated ng Bangko Sentral ng Pilipinas or BSP.

Ang difference lang aside sa hindi ito tax-free ay sa bangko mo ito binibili. Syempre, kadalasan ang bangko hindi naman ito ine-endorso sa mga clients na maliit ang laman ng bank account. Pero we would like to emphasize that this is open to everyone.

You have 5,000php pesos to spare? Punta ka lang sa kahit anong bangko and ask for their managed funds and kadalasan pwede ka mag automatic debit arrangement. Ibig sabihin, dahil wala sa culture ng pinoy ang mag ipon. Pwede mo ipa-automatic ang hulog dito depende kung saan ka mas comfortable. Pwedeng 5,000php or 1,000php a month.

ASA

Sabihin na natin naka ipon ka ng 60,000 pesos total in 1 year (galing sa 5,000php a month in 12 months) at ang compounding interest ay 15% per annum for 5 years.

Alam mo ba ito ay pwedeng maging 125,000 pesos? Legal, walang hassle, hindi ka maagawan ng oras sa pamilya at focus sa iyong main source of income.

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Pero of course, kada bangko iba ang fund manager, diskarte at previous performance na pwede mong gawing pamantayan sa pag decide kung pwede nila mapalago ang pera mo. Kaya ang advise namin ay palaging mag research at mag tanong.

3) MUTUAL FUNDS –

Ito ay isang pondo o parang paluwagan pero ang difference ay ini-invest ng fund manager ang iyong pera sa bonds, equity or stock market, money market. Napaka complicated ng pag papalago ng pera sa mga nasabing paraan pero may mga tao na pinanganak na naging eksperto na dito.

Maniwala kayo sa hindi, tulad ng una kong nasabi. Meron pong nakapag pa ikot ng pera sa Pilpinas ng 37x in the last 21 years. Hindi ho ito scam at sa buong mundo naman ho ay nage-exist ang mutual funds. Sa katunayan, mismo ang gobyerno natin ay nage-encourage na ang bawat Pilipino ay magka mutual fund sa tulong ng 1997 Investment Act Law o kung saan ang Mutual Funds ay sinabing exempted sa Capital Gains na halos 20% din ho iyon sa inyong kikitaain. Dahil sa batas na ito, tax-free na po tayo masasabi sa capital gains.

May mga mutual funds na pag na timingan mo ang pasok mo, kaya mo kumita ng 54% sa isang taon at ang kagadahan nito, iikot pa lalo ang pera mo kasama ang naunang interest hanggat ang fund manager ay ini-invest ito o pinapalago.

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Imagine nyo po ang credit card bills, uutang kayo ng 10,000 pesos at may patong na additional 3% late charge fee plus .5% na monthly fee labas pa sa mga kinadami dami na fees na halos di na natin na intindihan. Dahil ito ay for example lang naman, let us limit sa conservative na 3.5% fee ang additional pag ikaw ay delayed sa pag bayad.

PhilEquity Fund,Inc.'s performance since inception last 1994! It grew by 3,700%!
PhilEquity Fund,Inc.’s performance since inception last 1994! It grew by 3,700%!

Ano ang ibig sabihin?

Yung 10,000 pesos mo na utang na di mo nabayaran ay magiging 10,350 pesos na sa susunod na buwan. Pero paano kung di ka pa rin naka bayad? Additional 3.5% na naman sa 10,350 pesos na nauna mong utang na napatungan ng interest.

Ang sakit diba? Ito ho ay isa sa mga rason bakit ang simple 20,000php na utang ay pag di binayaran umaabot ng 100,000 php.

Sa mutual fund, insurance/vul o uitf ganito rin ho ang proseso, ang pinagkaiba lang po ay kadalasan based on the historical data, on a positive note. Ano ho ba ang ibig sabihin ko nito?

READ MOREUP CLOSE! UITFs vs Mutual Funds vs VULs | Think Philippines!

Kung ang 10,000 pesos nyo ho ay kumita ng 54% noong 2010, magiging 15,400 pesos na ito during the next year o 2011. Kung kumita ulit ng 3.5% naman noong 2011, magiging 15,400 pesos + 3.5% earnings at pa ikot ng pa ikot. Ganon lang po ka simple at kadali.

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Ngayon, paano kung may naka usap ka na Financial Planner at tinulungan ka mag plano for 3 years, 5 years or 10 years kung paano i-tatabi ang iyong income sa loob ng nasabing taon? Ang ganda ho ng outcome siguro ano?

Sana po sa pagtatapos ng itong article ay mapakalat po natin sa mas nakakaraming Pilipino na ang pag iipon at pagpapalago ho ng pera ay hindi lang nakasalalay sa paraan o method kagaya ng mutual funds, uitf or insurance. Napakalaking factor pa rin ho dito ay ang disiplina na mag tabi at ang uri ng pamumuhay.

SPONSORED TEXT ADSUP CLOSE! UITFs vs Mutual Funds vs VULs | Think Philippines!

Sa huli, mas daig ng may plano ang walang plano.

We only have one life in this world, why not plan it well? Why not live our life well?

READ MORE :

UP CLOSE! A 2007 Mutual Fund Investor Earned PHP 9.4m in 78 months! | Think Philippines!

From PutangInaMoRinEdu Facebook page.
From PutangInaMoRinEdu Facebook page.

About The Editor-In-Chief of Think Philippines!

1

Edwardo Miguel Guevarra Roldan

Lead Convenor of Isang Samahan, Isang Pilipinas (ISIP) and Think Philippines!

Financial Wealth Planner at FWD Life Philippines

Financial Investment Advisor at Rampver Strategic Advisors

(+63) 927 646 0088 WhatsApp/Viber/Philippine Mobile Number

edwardomiguelroldan@gmail.com

http://www.fb.com/ThinkPhilippinesBlog

Note :

To post articles here at Think Philippines, you may email it to: isangsamahanisangpilipinas@gmail.com or by simply commenting it on the field provided below.

Thank you for supporting us

2 thoughts on “TAGLISH | Turn your 1,500 pesos to 10,000 pesos in 2 months? | Think Philippines!

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