Diversifying Financial Portfolio for Phil. Army.pptx

Financial Portfolio

1. LEANDRO MICHAEL C. DE LOS SANTOS, JR. T eacher II I Department of Education DIVERSIFYING FINANCIAL PORTFOLIO C O V E R INTRODUCTION DISCUSSION [email protected]

2. C O V E R INTRODUCTION DISCUSSION “Ang sundalo ng bayan, armado ng pinansyal na talino at kaalaman ”

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4. C O V E R INTRODUCTION DISCUSSION TOPIC OUTLINE Definition of the following terms: Assets & Liabilities Financial Portfolio Diversification of financial portfolio Effect of the COVID-19 crisis in the financial status of Filipinos Current financial health of personnel in the Philippine Army Investing Fundamentals Diversification & Risk F orms of saving & investing the pyramid of risks & rewards How to diversify your financial portfolio Borrowing 101 Financial Frauds and Scams

5. C O V E R INTRODUCTION DISCUSSION LET'S DO THIS FIRST! KNOW YOUR FINANCIAL HEALTH 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 poli cies ( 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 if your net worth is more than P 250 ,000.00

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7. C O V E R 1 6 INTRODUCTION DISCUSSION Diversification - owning a collection of investments in order to spread risk and have a safer overall investment

8. C O V E R 1 6 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) C O V I D - 1 9 CRISIS & THE FILIPINO PEOPLE

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10. C O V E R 1 6 INTRODUCTION DISCUSSION DON'T PUT ALL YOUR EGGS IN ONE BASKET

11. C O V E R INTRODUCTION DISCUSSION INVESTING F U N D A M E N T A L S 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" 1 6

12. C O V E R 1 6 INTRODUCTION DISCUSSION FORMS OF SAVING & INVESTING checking accounts - an account at a bank against which checks can be drawn by the account depositor savings accounts - interest-bearing deposit certificates of deposits a certificate issued by a bank to a person depositing money for a specified length of time treasury or government bonds debt-based investment, where you loan money to a government in return for an agreed rate of interest corporate bonds debt issued by a company in order for it to raise capital mutual funds an investment program funded by shareholders that trades in diversified holdings and is professionally managed s tocks a share which entitles the holder to a fixed dividend real estate property consisting of land or buildings cr yptocurrencies a digital currency in which transactions are verified and records maintained by a decentralized system using cryptography, rather than by a centralized authority. insurance provides protection against a possible eventuality

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. C O V E R INTRODUCTION DISCUSSION

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15. HOW TO DIVERSIFY MY ASSETS 1 6 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?

16. C O V E R 1 6 INTRODUCTION DISCUSSION https://missouri.qualtrics.com/jfe/form/SV_e5O9zdPbe1NDMWh

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19. 10 Things to consider before getting a loan 1 6 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

21. C O V E R 12 1 6 INTRODUCTION DISCUSSION Financial behavior was a significant predictor of fraud detection

22. C O V E R INTRODUCTION DISCUSSION Charles Ponzi - promised a 40-50% ROI within 90 days

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26. C O V E R INTRODUCTION DISCUSSION IN A NUTSHELL... Financial freedom is very possible regardless of your income. You just have to be financially informed and equipped on how you can diversify and maximize your income potentials. Invest only what you can afford to lose... Invest at your comfort level... Invest according to your age...

27. THANK YOU FOR YOUR ATTENTION 0917-1231051 l e a n d r o m i c h a e l . d e l o ss a n t o s @ d e p e d . g o v . p h Agusan National High School