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Double your money in 2 years: Karanasan ko sa Mutual Fund

February 5, 2008

Sure magandang pakinggan.  Standard sales talk ng mga ahente.  Pero gaano katotoo ito?

Aaminin ko, kung marunong kang mag-invest sa stock market kaya mo pang doblehin o kaya triplehin ang investment mo sa mas maikling panahon. 

Noong 1997, nag-invest ang aking ama ng Php 100,000 ko sa stock market.  Kwento nya sa akin, yung investment nya ay inutang pa daw sa GSIS.   Ibinili nya ito ng shares sa Jollibee at Petron noon initial public offerings nila.  Sa loob ng ilang araw bumubulusok daw pataas ang halaga ng shares ng Jollibee at Petron kaya bilis bilis naman syang nag encash ng kanyang investment.  Buti na lang kamo kasi bago magtapos ang 1997, bigla naman bagsak ang stock market dahil na rin sa Asian Financial Crisis noong panahon na yun.

Kung malakas ang loob mo, marunong sa stock market at may kaunting swerte, subukan mo sa stock market.  Subalit paano naman kung wala ka ng mga ito?  Saan ka pwedeng mag-invest para madoble ang pera mo sa loob ng 2 taon?

Unang kong sinubukan ang cooperative bank namin na nagbibigay ng mataas na interest.  Noon 18% P.A. pa ang binibigay nya, bumaba ng 16% hanggang 12% na lang ata.  Di ko maalala ang eksaktong porsiyento pero pababa ng pababa ito kaya naisipan kung maghanap ng ibang bangko kung saan ko pwedeng ilagay ng mataas ang interest.

Wala ako nakita na katulad ng cooperative bank namin na nagbibigay interest na malaki.  Nabasa ko sa dyaryo ang konsepto ng mutual fund.  Nagkainteres ako dun kaya sa loob ng 1 taon talagang pinag-aralan ko.  Una kung napuntahan ang sunlife.  Sa website nila nag-inquire ako, sumunod na araw tinawagan ako ng ahente nila para bigyan ako ng orientation.  Pagkatapos ng orientation, bigay kaagad ako ng Php 10,000 na initial na investment. Ang halaga ng NAVPS pa noon ng sunlife balanced fund ay Php1.6++

Sumunod naman, nalaman ko din ang PhilEquity.  Nagkataon na Php 5,000 ang minimum investment at swerte ko pa noong nagbigay ako ng initial investment Php 6 palang ang NAVPS dahil bumaba ang stock market dahil sa sabay sabay na pag resign ng HYATT TEN noong July 2005.

Pagkatapos ng 2 taon ang halaga ng PhilEquity Investment ko ay Php 13.++ last December 2007.

Double your money in 2 years? Kaya!

 


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