It’s been said that putting your money in the bank is the surest way of losing its value over time. Taxes and Inflation will eventually eat out the accumulated earnings of your Deposit Account. Oftentimes, even the principal gets eaten by these financial monsters.
If you want to keep up or just break even, your money has to earn an interest that is higher than the cumulative effects of these two great enemies of money.
Unfortunately, you can’t do that if the ONLY product you KNOW is a Deposit Account — Savings, Checking or Time Deposit Account… No way!
3 things you have to do immediately:
- RAISE your Financial Awareness.
- SHIFT your Mind Set from Saving to Investing.
- FIGHT for Your Money.
Do you want know the secrets employed by the Big Boys of Investments in growing their financial assets… slowly but surely?
Enter Mutual Funds
In the Philippines, Mutual Funds are investment companies regulated by and under the watchful eyes of the Securities and Exchange Commission. It is governed by the Republic Act 2629, otherwise known as the Investment Company Act of the Philippines.
Investing in a Mutual Fund is one of the easiest ways of putting your money to work — without you doing a lot of hard work.
When you invest in a mutual fund, you become its shareholder (a part-owner, an investor) of the fund.
Is this something you’d like to explore?
Lets see if there is a fund that fits your Investment Style, Risk Profile and Financial Goals.
The FAMI Save and Learn Family of Mutual Funds
FAMI is an acronym for First Metro Asset Management Incorporated. It is the investment arm of the Metrobank Group of Companies… Metrobank as you probably know is one of the biggest commercial banks in the Philippines. Sometimes you will hear some investors refer to FAMI as First Metro Funds – they mean the same thing.
Under FAMI are seven (7) different mutual funds that invest in Fixed-Income as well as Equities asset classes both locally here in the Philippines and abroad in selected countries in the Asia Pacific Region.
At PeraTree.com, we focus on three of the most popular funds under the First Metro Family of Mutual Funds.
Let’s get to know them.
First Metro Save & Learn Equity Fund, Inc.
Investment Objective: The fund is a professionally managed portfolio of stocks from carefully selected companies listed in the Philippine Stock Exchange. Its main objective is a combination of Long-term Growth and Capital Appreciation.
Good for: Investors who are after long-term capital growth but do not have the expertise or the resources to develop and manage a highly diversified Equity portfolio. If long-term capital growth is in your mind and you are not worried about the short-term fluctuations of the stock market, this fund is poised to give you the best bang for your investment.
First Metro Save & Learn Fixed Income Fund, Inc.
Investment Objective: Long term capital preservation with returns and inflows derived out of investments in fixed-income instruments.
Good for: Programmed capital build-up by companies and individuals for such uses as retirement plans, educational plans and other employee-incentive programs.
First Metro Save & Learn Balanced, Inc.
Investment Objective: This is a balanced fund that provides a market responsive combination of stocks and fixed income instruments. The ideal fund for moderate risk takers, looking for long-term capital preservation.
Good for: Moderate investors who want to take advantage of opportunities in the stock market while balancing its volatility by adding bonds and fixed-income securities into the mix of assets.
FAMI Mutual Funds Are Affordable
The good news about the three mutual above is that they are so affordable, almost every Filipino can participate and buy into any one of the those funds… or even all three. For all of the FAMI Save and Learn Funds:
- Minimum Initial Investment : P 5,000
- Minimum Additional Investment: P 1,000
See how affordable that is?
But just because it is very affordable doesn’t mean it is only good for the small-time investors. In fact, First Metro’s early investors are well-known institutions who placed large amount of money. A lot of so called High Net Worth individuals and corporations continue to trust their money to the First Metro Asset Management Team.
Like the country’s Big Boys of Investments, you too can do it.
You can invest! It is within your reach.
Investment Inquiry Form
About Your Mutual Fund Representative
My name is Carlos Velasco and I am your host here at PeraTree.com.
I am a Webmaster by profession and I am currently working as a freelance Webmaster / Web Developer for a US-based Online Marketing Agency.
Yes, I am also working to earn a living… just like most of my clients. So when it comes to Retirement Planning and Building a Financial Plan, I have so much practical experience to share with you.
I am also an SEC-Certified Investment Solicitor (CIS). That’s the official designation used by the Securities and Exchange Commission to refer to professionals who represent an Investment Company and licensed to offer and sell their financial products, namely: Mutual Fund Shares.
That said, I am a Mutual Fund Advisor. I’m the kind of professional you turn to for consultations on your Mutual Fund Investment needs.
I am also a representative of the First Metro Asset Management Incorporated or simply FAMI for short.
And by the way, I don’t charge consultation fees. So feel free to ask me anything about Mutual Funds, or First Metro Financial Products in particular!
To do so, simply use the Inquiry Form provided above.
Not Ready Yet?
I completely understand.
As a matter of fact, I always tell my friends and clients not to invest in anything they don’t understand at all. It’s always best to start your investment journey by learning more about it.
Here are some of our recommended articles to help you learn about investing in Mutual Funds:
- How Safe Are Mutual Funds in the Philippines?
- The 7 Advantages of Investing in Mutual Funds.
- Cash, Bonds, Stock — The Building Blocks of a Mutual Fund.
Good luck I hope you have fun while you learn.
And remember: Investing is good for the Soul!