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Similar a Diversifying Financial Portfolio for Phil. Army.pptx
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Diversifying Financial Portfolio for Phil. Army.pptx
- 1. LEANDRO MICHAEL C. DELOS SANTOS, JR. Teacher III Department of Education DIVERSIFYING FINANCIAL PORTFOLIO COVER INTRODUCTION DISCUSSION leandromichael.delossantos@deped.gov.ph
- 2. COVER INTRODUCTION DISCUSSION “Ang sundalo ng bayan, armado ng pinansyal na talino at kaalaman”
- 4. COVER INTRODUCTION DISCUSSION TOPIC OUTLINE Definitionof thefollowingterms: Assets& Liabilities FinancialPortfolio Diversificationof financialportfolio Effect of theCOVID-19crisisinthefinancialstatusof Filipinos Current financialhealthof personnelinthePhilippineArmy InvestingFundamentals Diversification& Risk Formsof saving& investing thepyramidof risks& rewards How to diversifyyourfinancial portfolio Borrowing 101 Financial Frauds and Scams
- 5. COVER INTRODUCTION DISCUSSION LET'S DO THIS FIRST! K N O W Y O U RFINANCIAL HEAL TH if you have 1 savings account if you have more than 1 savings account if you are a member of a financial cooperative institution (FICCO, OIC, CFI, etc.) if you own or had a time deposit account if you have 1 or more insurance policies (with or without investment funding) if you have mutual funds or PAG-IBIG MP2 if you own stocks or bonds if you own cryptocurrencies if you have an income generating real property
- 7. COVER 16 INTRODUCTION DISCUSSION Diversification - owning a collection of investments in order to spread risk and have a safer overall investment
- 8. COVER 16 INTRODUCTION DISCUSSION "The pandemic caused the Philippines’ economy to decline to its lowest level since World War II, with GDP decreasing by 9.5% in 2020. It’s the worst drop since records began in 1947, and it’s also the first time the economy has shrunk since 1998, when it contracted by 0.5%. When the tightest lockdown was implemented in the second quarter of 2020, GDP fell as low as -16.9%." Source: The Philippines Economy and the Impact of COVID-19 (www.futurelearn.com) COVID-19 CRISIS & THE FILIPINO PEOPLE
- 10. COVER 16 INTRODUCTION DISCUSSION DON'T PUT ALL YOUR EGGS INONE BASKET
- 11. COVER INTRODUCTION DISCUSSION INVESTING FUNDA MENTA LS What is investing? - making money from personal savings Where do I get the extra money to invest? > break a bad habit > participate in income generating activities > cut back on entertainment and food > automatic savings (percentage of savings) > part-time jobs, online jobs, "side hustles" 16
- 12. COVER 16 INTRODUCTION DISCUSSION FORMS OF SAVING & INVESTING 1. checking accounts- an account at a bank against which checks can be drawn by the account depositor 2. savings accounts- interest-bearing deposit 3. certificates of deposits a certificate issued by a bank to a person depositing money for a specified length of time 4. treasury or government bonds debt-based investment, where you loan money to a government in return for an agreed rate of interest 5. corporate bonds debt issued by a company in order for it to raise capital 6. mutual funds an investment program funded by shareholders that trades in diversified holdings and is professionally managed 7. stocks a share which entitles the holder to a fixed dividend 8. real estate property consisting of land or buildings 9. cryptocurrencies a digital currency in which transactions are verified and records maintained by a decentralized system using cryptography, rather than by a centralized authority.
- 13. LIQUID ASSETS Liquid assets are assets that are easily and simply converted to cash. Examples of liquid assets include cash, bonds, and CDs. Assets that lack liquidity require time or effort to trade or sell, like real estate or collectibles. COVER INTRODUCTION DISCUSSION
- 15. HOW TO DIVERSIFY MY ASSETS 16 COVER INTRODUCTION DISCUSSION 1. Know your own style a. How much do you know about investing? b. Do you like to take risks? 2. Research a. What investment options are available to you? 3. Figure out your time horizon a. How long do you have to invest before you need your money?
- 19. 10 Things to consider before getting a loan 16 COVER INTRODUCTION DISCUSSION 1. Choose your lender carefully 2. Try to avoid borrowing from family and friends 3. Understand the cost of borrowing money 4. Know why you are borrowing the money 5. Create a plan to pay the money back ASAP 6. Do your loan research 7. Learn the terms 8. Think about what to pay for first 9. Don’t bite off what you can chew 10. Stay patient
- 20. 13 COVER INTRODUCTION DISCUSSION 1 in every 100 Filipinos P25 billion in losses due to investment scams
- 22. COVER INTRODUCTION DISCUSSION Charles Ponzi - promised a 40-50% ROI within 90 days
- 26. COVER INTRODUCTION DISCUSSION INA NUTSHELL... Financial freedom is very possible regardless of your income. You just have to befinancially informed and equipped on how you can diversify and maximize your income potentials. Invest only what you can afford tolose... Invest at your comfortlevel... Invest according to yourage...
- 27. THANK YOU FOR YOUR ATTENTION 0917-1231051 leandromichael.delossantos@deped.gov.ph Agusan National High School
Notas del editor
- Are teachers making sound financial decisions?
- FINANCIAL LITERACY PROGRAM TAGLINE– AFP, BSP AND BDO
- Goal is to increase the asset and manage the liability (we cannot zero-out liabilities).
- GDP- the total value of goods produced and services provided in a country during one year.
- JERICK C. FERRER- Financial Capability of Public School Teachers in the Philippines, 2018
- Can Pag-IBIG MP2 be a good source of passive income? Definitely! There's really nothing to lose if you invest some money here, it's also a good and safe investment option if you simply want to diversify. It's less restrictive than other investments aside from its 5-year lock-in period, and its returns are promising. In 2009, the first decentralized cryptocurrency, bitcoin, was created by presumably pseudonymous developer Satoshi Nakamoto. It used SHA-256, a cryptographic hash function, in its proof-of-work scheme.
- Bullion- gold bars
- Commodity funds invest in raw materials or primary agricultural products, known as commodities. These funds invest in precious metals, such as gold and silver, energy resources, such as oil and natural gas, and agricultural goods, such as wheat.
- ROI should be higher than inflation rate Some investments such as property and shares are positively impacted by inflation. Their value can increase as inflation rises.