Investing in Mutual Funds

Dear Valued IMG Partners:

Good day!

Many people think that in order to retire comfortably, one needs to earn a lot while
young, save huge money in the bank and work as long as physically able. The problem is,
only a few are aware that fat pay checks, savings in traditional financial institutions
and pure hard work do not guarantee financial independence. It should still be the
discipline to invest regularly (consistency) and knowing the right resources that would
help.

Correct investing do not necessarily require big capital and extensive technical
expertise. Take into example mutual funds. These are investment companies registered
in the SEC having the concept of pooling investors’ money while a professional fund
manager takes care of allocating these funds into a diversified portfolio of securities.
Sounds complicated? On the contrary, all that needs to be done is put in money (minimum
of Php5,000.00) and let the mutual fund monitor and manage your investments. Your money
along with other people’s money will be invested in instruments like government
securities (treasury bills, notes and bonds), commercial papers, and in the stock market.
In return, because of the mutual funds’ muscle, participation in various high-yielding
instruments and economies of scale, investors may receive higher earnings over the long
run.

Do you know that if you invest Php2,000.00 monthly in a mutual fund for the next 5 years
you would get Php507,775 on the 20th year? Continue this for another 5 years and it will
even grow to Php830,748.00.*

Or if you invest Php5,000.00 monthly for the next 5 years you would get Php1,273,430.00
on the 20th year and continue for another 5 years and will even grow to Php2,0980,750.00.*

All told, it certainly is easy and achievable to have a descent retirement fund. You
just have to remember the basic essentials:

1. Have that discipline to invest regularly (cost-averaging).
2. Study your investment options.
3. Have a long-term horizon.

For any queries or concerns, please do not hesitate to contact us for assistance.
Telephone numbers: 894-1811 or 812-1995. You may also visit our websites:
www.rampver.advisors.com or www.rampver.com

Or you can email me richbenj.santiago@gmail.com

*Based on conservative projections. Invested in a bond fund and an equity fund with a
60-40 allocation at 6% and 12% average annual returns respectively.


Truly yours,


CHRISTY F. ALEGROSO
Bus. Development Officer (RSA)