WHAT YOU NEED TO KNOW BEFORE YOU INVEST?

Here are the Basic Financial Concepts that you need to know and          understand before you go into investing.

  THE X-CURVE CONCEPT

The X-Curve concept is a simple way to show the relationship between taking care of your responsibility while building your wealth.

The rule of 72

The Rule of 72 is a simple way to determine how long an investment will take to double given a fixed annual rate of interest. By dividing 72 by the annual rate of return, investors obtain a rough estimate of how many years it will take for the initial investment to duplicate itself.RULE OF 72 - the Single FINANCIAL CONCEPT that will Make You RICH.


SOLID FINANCIAL FOUNDATION

The key is to build a solid financial foundation that takes care of you now while supporting your future goals, which means being responsible with your daily purchasing habits and thinking long-term.

YOUR FINANCIAL COACH

HI, I'm Candelario Vilma,OFW, mother of 3 kids,Registered Associate Financial Planner,I've been a member and Financial Educator of IMG (International Marketing Group) since December 31, 2019..For the past 2 years,I've been able to give Financial Education to many Filipino Families  here in abroad.


Get in touch! We're here for you...

Candelario Vilma AFP®

You can always contact me anytime ,details listed below.


ADDRESS
Via San rocco 17 
09127 Cagliari Italy


PHONE
+393880936753

Become a millionaire for 1000 pesos only.

Gusto mo ba maging milyonaryo? Kayang- kaya basta may disiplina at may alam sa investment. Malalaman mo kung gaano katagal o kabilis ka magiging milyonaryo depende sa paglalagyan mo ng pera.

YAMAN TIPS: Paano Ako Umangat sa Aking Financial & Business Life (at Paano Mo din Ito Magagawa)

Lahat tayo ay nangangarap na magkaroon ng magandang buhay.

Pero sa totoo lang, ang pagYaman ay hindi nakukuha sa pa-swerte-swerte lang. 

If you save your money today, your money will save you in the future.

INVESTMENT

LONGTERM HEALTHCARE

Long-term care involves a variety of services designed to meet a person's health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.

LIFE INSURANCE

Life insurance is a contract between you and an insurance company. Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.

MUTUAL FUNDS/STOCK MARKET

A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund's assets and attempt to produce capital gains or income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.

MUTUAL FUNDS

Mutual funds pool money from the investing public and use that money to buy other securities, usually stocks and bonds. The value of the mutual fund company depends on the performance of the securities it decides to buy. So, when you buy a unit or share of a mutual fund, you are buying the performance of its portfolio or, more precisely, a part of the portfolio's value. Investing in a share of a mutual fund is different from investing in shares of stock. Unlike stock, mutual fund shares do not give its holders any voting rights. A share of a mutual fund represents investments in many different stocks (or other securities) instead of just one holding.

ADVANTAGES OF INVESTING IN MUTUAL FUNDS

*Affordable

Mutual Funds have a low capital Requirement. Initial investment starts

At 1000 pesos and additional Investment starts at 20 pesos.

*Convenience

All the investors have to do is to invest regularly no need for the investors to time the market and watch prices every now and then.

Liquidity

Mutual Fund investors can redeem their investments within 5-7 banking

days after a redemption notice is requested.

Professional Management

Mutual funds are actively managed by a professional who constantly monitors the fund’s portfolio. In addition, the manager can devote more time in selecting investments than a retail investor would.

Safety

Mutual funds are highly Regulated by the Securities and Exhange

Commission under the Investment Company Act and its implementing rules.Mutual Fund companies are regularly audited by an Independent

auditor. And the assets of the mutual fund are held by a third-party custodian bank.