7 concepts you should know about investing

7 Concepts You Should Know About Investing

I recently attended the Business and Investment Opportunity Forum conducted by Primavera Residences together with its partner bank BPI Family Savings Bank

It proved to be a very productive and enlightening few hours for me

The forum which is the first of a series, is aptly titled SOAR or Sustainable Opportunities and Advocacies in the Regions

One of the topics discussed during the forum is something each and everyone of us should be concerning ourselves — INVESTMENT

The inspiring talk conducted by Louis Sidney “Mark” T

Capanzana the Investment Counselor/ Trust Officer of BPI-Cagayan de Oro, was full of eye-opening ideas that made me alternately scratch my chin in deep thought and examine my investments and finances right then and there

Here, I’ll be sharing with you 7 key points that Mark discussed

Hopefully this will hit a chord inside you and propel you to take some actions too

Concept No

1: KNOW WHAT YOU HAVE

You can’t really grow something that you haven’t really identified yet, right? Or as the speaker puts it, “you can only grow the things that you measure

That being said, the first thing you need to do if you want to grow your money is to examine your current financial situation

As a tidbit of information, did you know that the average Filipino only has P6,785 worth of savings? And the sad part is, only 2 out of 10 Filipinos actually have money in the bank

To remedy this situation, we should take to heart this formula:

Income – savings = expenses

Remember to pay yourself first before you pay the bills

Concept No

2: SAVING IS NOT INVESTING

Most people don’t really give a lot of thought about investing, and saving is often mistaken as a form of investing

Well, it’s not

Saving is just like putting your money inside a piggy bank and leaving it there for a period of time

  Investing is a totally different story altogether

It is making your money work even harder, and letting it grow bigger and bigger in the process

Take for example putting your money in time deposit versus in a bond fund

The interest for time deposit would be at 0

75%, while for bond fund, it’s at 4

5%

See the big difference?

Concept No

3: BEAT INFLATION

As Mark describes it, inflation is like running on a conveyor belt

The prices of commodities increase so you have to make more money

Your money should be growing faster than the prices can increase, It should be outrunning inflation and kicking it in the gut

Concept No

4: INVESTING IS UNIQUE AND PERSONAL

Just as each person has a unique personality, so does our own individual investment personalities differ

Based on a little quiz Mark gave to the attendees, it turns out that I have a moderately aggressive investment personality

And I have to agree on that

Whatever your investment personality is, there is a set of investments suited for you

Find one that suits you best

There is no one-size-fits-all for investments

If you know the kind of risks that are suited to you, then you will be able to sleep easier at night and feel better with your choices

After all, our peace of mind is something we should always factor in on our decisions

Concept No

5: THERE ARE DIFFERENT KINDS OF INVESTMENTS

The higher the risks, the higher the return

Which one should you go after? Remember, the high-risk investments aren’t for the faint of heart

Based on your personality, you could focus on the types of investments that are better suited for you

Take time to read up and research

Better yet, talk to an investment counselor like Mark

It is also advisable that you mix up your investment options a little

Like the cliché goes, never put all your eggs in a single basket

Concept No

6: TIMING DOES NOT WORK

While some people insist that investment is all about timing, our speaker begs to disagree

We shouldn’t just rely on timing

The important thing is to start early and to do it consistently

As an example, your 100 pesos each month could become 1 million in 40 years, when invested properly

Place it in the same investment for 30 years and you’ll get only 300,000

Bottomline is, it’s not timing that is important, but rather, it is the length of time

So if you’re asking when is the best time to invest, the answer is: YESTERDAY

And finally, the last concept

Concept No

7: INVESTMENT IS FOR LIFE

Investment isn’t just a one-time thing

It’s something that should be part of our lives

Investment is something that a lot of young people sweep to the backs of their minds and label as “FOR LATER”

But the earlier we jump into this bandwagon, the better

Financial Management seminars can be quite costly, but Primavera and BPI Family Savings Bank were generous enough to impart these knowledge to us for free

You should grab this chance too and let it help you carve better plans for the future

Find out more about the upcoming investment and business opportunity programs of Primavera Residences

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5 things you need to know about business and investment opportunities in CdO

5 things you need to know about business and investment opportunities in CdO

 

I recently attended the Sustainable Opportunities and Advocacies in the Region (SOAR) Business and Investment Forum conducted by Primavera Residences and BPI Family Savings Bank. It turned out to be a very exciting and fruitful few hours.

The event was divided into three parts:

• an Economic and Investment Opportunity Briefing conducted by Mr. Louis Sidney “Mark” T. Capanzana the Investment Counselor/ Trust Officer of BPI-Cagayan de Oro
• a talk about Green Architecture Design and Construction conducted by Italpinas CEO Mr. Romolo Nati, and
• a discussion on Bank Products and Services by Ms. Tyrene Tanaka of BPI Family Savings Bank

As a quick rundown of the thoroughly enlightening activity, here are 5 important things that every investment-savvy individual must know.

1. The Different Concepts of Investing

Before you decide to put your money in an investment, make sure to arm yourself with the basic knowledge first. Are you already familiar with the 7 concepts of investing? If not, head over to this link to get the blow-by-blow account of the topic.

2. Eco-friendly investments

Did you know that green properties are appraised 10 – 15% higher than its non-green counterparts? And that retail sales of eco-friendly buildings are higher by 20%, and they sell twice as fast as conventional homes? If you’re planning to invest in real estate, green properties are the way to go. Not only will you be helping the environment, you are getting a surefire win-win investment too!

3. Housing Loans

If you need a little help on securing finances for your dream home, let your friendly neighborhood bank help you out. BPI Family Savings Bank has easy loan terms and friendly rates to help you get going. Visit their CDO Business Center at the 2nd floor of BPI Lapasan Branch in C.M. Recto Ave, Cagayan de Oro for more details and sound advice that is perfectly tailored for you.

4. Franchising Loans

Thinking of opening up a franchise but lacking funds to start? No worries because there’s BPI Ka-Negosyo Franchising Loan to the rescue! Here are some details that you might be very interested in.

5. The first and only eco-friendly location in CDO

In just 3 years, Primavera Residences, the first green building in Cagayan de Oro, has already sold 188 units with a total value of Php 367 million. Why are these units selling like hotcakes, you ask? Aside from its eco-friendly design that allows lesser costs in upkeep and maintenance, its chic uptown location is carefully picked. Not only is it 110 meters above sea level, it is also strategically located in Pueblo de Oro Business Park.

 

Click here to know why Primavera Residences is the perfect real estate investment in Cagayan de Oro.

 

Why invest in the Philippines?

Investing in the Philippines: sound politics and sturdy people

Filipino resiliency drives the Philippines’ growth.

There is a positive piece in all this Philippine political drama after all. Of all the Southeast Asian countries, Philippines is rated by US companies as the country having the most improved business climate.

According to a survey conducted by the US Chamber of Commerce and the American Chambers of Commerce in the ASEAN, the Philippines has the thumbs-up of the companies because of a more stable government and a political system, in general. Who would have thought that the spectacle of the government’s fight against corruption – with all its fuss comparable to afternoon telenovelas – is actually benefiting wonders to the economy. Other reasons cited included cheap labor, cheap housing costs, and the slowly but still improving infrastructural developments. The current business climate is indeed a good set-up for investing in the Philippines.

Although not stressed by the survey, I believe what is more noteworthy of the country is the Filipinos’ resiliency. This can be seen in Northern Mindanao for example, particularly in Cagayan de Oro. The city was badly battered when it was caught unaware by the first typhoon it experienced for more than five decades. Indeed, nothing can replace the lives that had been lost in the tragedy. But the city learned from it.

When Pablo came, the residential areas that had been affected by Pablo were evacuated, each family already expecting the deluge. Businesses and institutions have identified better and safer locations in the city, and operations are adjusted to easily flex in times of severe weather disturbances. Unemployed individuals were trained to have ready manpower in case of need. Even the power shortage of the previous years was studied. Bulk operations were moved to schedules with lesser power load needs. Localized sources for power were identified and developed.

This valuable characteristic of flexibility, coupled with an improved business climate in the country in general, should be the key of Kagay-anons – and the rest of the Philippines, at that – in grabbing the current opportunities to invite investments. Cagayan de Oro, although already a busy city and one of the major economic hubs in the Mindanao region, has still so much potential to still be more.

Interested to invest in the Philippines? Click here for a great investment opportunity in the Philippines!