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
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
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
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"
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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
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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
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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
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
Editor's Notes
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.