Ang mutual funds ay isang paraan ng pag-iinvest kung saan naglalagay ka ng pera kasama ang iba pang mga nag-iinvest sa isang kolektibong pondo. Sa halip na mag-invest ka diretso sa mga stock o bond, ang mutual fund ay magpapamahala ng pera mula sa maraming investors at ilalagay ito sa iba't ibang mga asset, gaya ng stocks, bonds, at iba pang investment vehicles.

Ang magandang pakinabang ng mutual funds ay ang diversification, o pagkalat ng iyong investment sa iba't ibang asset, na makakatulong sa iyo na bawasan ang risk sa iyong investment. Bukod dito, madali rin itong i-manage at maaari kang mag-invest kahit na maliit lang ang iyong ipon.

Kaya kung gusto mong simulan ang pag-iinvest pero hindi mo alam kung paano, ang mutual funds ay magandang opsyon para sa iyo. Magtanong ka lang sa mga investment company o bank kung saan available ang mga mutual funds na ito.

Ang IMG mutual funds ay mas pinadaling mutual funds.

• exclusive para sa IMG members
• mas pinadali ang membership: basta member ng IMG automatic ang enrollment
• mas pinadali ang procedures sa top-up, redemption (withdrawal) at monitoring
• online ang monitoring
• maaring mag-top-up maski P20 lang!

Ang typical na investment fund ay may "sales load" o "entry fee", na typically napupunta bilang agent commission ng soliciting agent. Halimbawa ang sales load ay 3.5%, at nag-invest ng PhP 1,000. May sales load na 3.5% o PhP 35 na nagiging agent commission, kaya ang PhP 1,000 investment ay nagiging Php 965 lang.

Ang mutual fund investor na nagdaan sa IMG ay may zero load, kaya ang PhP 1,000 investment ay PhP 1,000 investment.

Maraming advantages ang mutual fund investor.

• professional money management
• low investment minimums
• tax-free gains
• transparency
• diversification

Silipin ang benefits dito:

Mutual funds are NOT fixed-income investments and therefore do not pay guaranteed return. Mutual funds are invested in stocks or corporations issued by the government where prices differ daily. As a result, the value of your investment also fluctuates depending on the performance of its underlying instruments. While funds’ earnings are not fixed average of 6-18% a year, the potential for investor to earn is higher.

Mutual Funds are well-diversified as it is invested in a basket of securities. Historically, mutual funds outperformed traditional time deposit placements or short-term money-market funds.

Mutual funds do not have maturity periods. This means that the shareholders can actually sell their shares in any banking day. Most mutual funds, however, charge exit fees for short-term investors and it varies from fund to fund. Normally less than 6 months.

No. A mutual fund is not a deposit product; therefore, it does not need to be covered by the PDIC. However, mutual fund shareholders are entitled to their proportional share in the total assets of the fund. The PDIC on the other hand, can only insure up to P500, 000.00 of your total deposits with a bank and not your entire investment amount. Moreover, mutual funds are liquid instruments as these are invested in marketable securities.

As with any investment instrument, investing in mutual funds involve a certain amount of risk. Stock and bond prices go up and down daily so does the value of your mutual fund investments. Depending on market conditions, there may be periods when the value of your investment can be lower than the actual amount that you invested.—“paper loss”. But unless the investor redeems these shares, these paper losses will not be realized.

Additionally, there are ways in which fund managers apply investment strategies in order to seize opportunities and avoid losses, and while there are risks in mutual fund investing, the returns can also be very rewarding most especially in the long-run.

No. Mutual Funds do not have lapsing periods or expiry dates. It does not have a strict investing schedule that you must follow. You can invest monthly, quarterly, annually — it all depends on the investor when he/she will invest. Though not required, Rampver recommends that investors should top-up their investments regularly to capture different market prices, thus maximizing the earnings potential of their investment. This also forges the discipline of investing regularly.

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