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Think as a Businessman when you Invest in Stock Market

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I’m really happy when I see people lining up to pay  their Meralco Bills, texting and calling me using Globe and Smart, buying items from SM Malls, opening an account in BPI and Metrobank and buying from all big companies in our country because I know that I have shares from these companies which I have in Equity fund of Insular Life. If these companies earn, I will also earn.  Insular Life’s Equity Fund is composed of 44 actively managed blue chip companies in the stock market. Let’s define blue chip:

What is a ‘Blue Chip’
A blue chip is a nationally recognized, well-established and financially sound company. Blue chips generally sell high-quality, widely accepted products and services. Blue chip companies are known to weather downturns and operate profitably in the face of adverse economic conditions, which helps to contribute to their long record of stable and reliable growth.

These are some of blue chip companies that Insular Life have in Equity and Growth Fund. If you if invest in our fund, you will be a co-owner of  these companies.

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Because Insular Life is backed up with 106 years of business expertise, I am confident that my hard-earned money is growing where it earns BEST.

Below is the fund performance of various insurance companies for the year as of October 2016.

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My investment comes with insurance, which is Variable Unit Linked(VUL). If I will be diagnosed with Critical Illness,Insular Life gives me a lump sum which I can use for treatment. There are different riders that you can choose to attach if you will invest in VUL like Accident Insurance, Hospitalization Rider, and a lot more.

If something happens to me, my dependents get the insured amount PLUS current fund value of my investment. This is something that only a VUL can provide and because my beneficiaries are declared irrevocable, they can claim the benefit ESTATE TAX FREE.

Think like a businessman if you invest in Stock Market, your mindset should be like partnering with top companies in the Philippines.Really, you are a businessman as well.  What do I mean by this? It simply means, you are owning shares of their company. You need to understand that you will not have to shell out a big amount of money to start your own business but rather you will just partner with their success. You can imagine your partners will be like Henry Sy, Ayala, Gokongwei, Tan and many tycoons that you know.

Imagine yourself owning blue chip companies in Insular Life’s Equity Fund, if they earn, you will also earn because you have shares from this pooled fund which comprises of 30 to 40 companies. If you will start your own restaurant, you cannot beat Jollibee now, so if you can’t beat them, why not join them instead. These companies will not close down for the next 10 years,20 years or 40 years. Do you think San Miguel Corporation will close down for the next 10 years? I don’t think so! A lot of beer drinkers will protest if San Miguel Corporation will close down. You don’t have to create your own portfolio if which company is the best to invest because our fund managers will do that for you. Your risk is lesser because if let’s say 10 companies will not perform well, you still have 30 companies. Your money is well diversified because it will be invested in different industries like Banking, Real Estate, Manufacturing, Energy, Tourism and etc.

It is really possible to earn money effortlessly in investing in Phil. Stock Market, but you have to be patient enough and have a discipline if you invest. Invest only the money that is your excess so that you will not be emotional to stop investing if you see that your money is not earning yet. Always think long term at least 10 years if you invest your money and know your purpose why do you want to invest. Without purpose, you can be easily swayed by the people will say that investing in Stock Market is not good particularly when stocks go down. Invest with purpose and think of long term.

I look forward to the day the most Filipinos will participate in investing in Phil. Stock Market because bulk of of money invested in our Stock Market are from foreigners. Don’t be afraid to invest. Study, read and look for someone who can guide you. Huwag tayong pumayag na puro dayuhan lang ang kikita sa bansa natin! Let’s spread the importance of Financial Literacy to fellow Filipinos!

Be Free! God bless

To know more about growing your money in Variable Unit Linked, you may reach me.
Archie M. Yuki
Financial Adviser,Investment Consultant and Insurance Specialist
The Insular Life Assurance Ltd.,Co.
4th floor Karina Bldg., No. 33 Shaw Blvd. Pasig City
Tel No. 571-3274
Mobile Number. 0917-5769607, 0923-4941362
Email Address: archieyuki30@gmail.com

 

Reference:

http://www.investopedia.com/terms/b/bluechip.asp#ixzz4UIAPERET

 

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