Question coming from : Ms. Marilyn Vasquez, Hong kong
Question :
" I'm currently a OFW here in HONGKONG and i have small amount for TIME DEPOSIT .It gives small interest.I'm planning to invest in MUTUAL FUNDS.Just like to ask if it is right to invest now and how much i should invest?

Answer:

Thank you for your question .

Before we invest, we have to consider several factors. We always remember that all investment offer risk which you need to consider. Time deposit also offers risk. We call it Inflation risk.

Inflation is the rate of increase or decrease of service and goods. The more higher the inflation, the lesser the goods or service you can acquire with your money. If we consider investing at the moment, always remember to balance your current cash flow first. If we invested in the wrong time, this will destroy you rather than help you grow.

"is it right to invest now?"

There are lots of people saying that investing now is the perfect time due to market reaction to data but no one can tell when it will go down. We call this risk as Market risk. It is the result of specific data's and reports that can affect the current situation of a company. Issue like interest rate,political turmoil and other issues.

In my personal opinion, before considering investing, the person should consider first if he or she is in the right position. One wrong concept of filipino's are mostly investment is the only solution for growth. THIS IS WRONG. The right perspective would be the solution for growth is not investment but proper portfolio management.

SJF offers the right process in investing. We call this as SJF Investment Planning. It is a SJF Process which helps the client identify his or her current situation and see how much he or she can invest in a safer perspective.
We can compare this process as sacrifice 1 apple to gain 10 more apples.

To know more about goals in life to understand your objective, click here
To know more about investment planning, click here.



In summary, make sure you balance everything first. Understand your goals and consider the risk. Invest in services that can help you . SJF has all the service that can help you grow.

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by:


King San Jose S., RFP

Wealth Manager
Registered Financial Planner
San Jose Financials Wealth Management Group