問題一覧
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It is a framework that helps individual prioritize their financial goals and build a solid foundation for their financial being
Financial Pyramid
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The purpose of it is to give you a peace of mind and financial security times of uncertainty
Emergency Fund
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It's allows you to have a funds readily available when you need them the most without having to rely on credits cards loans or borrowing money from friends
Emergency fund
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It's cover you unexpected expenses or emergency that arise in your life
Emergency Fund
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Unexpected sunddedn illness or injury required hospitalizations or surgery
Medical Emergency
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It's an emergency that arises which cover your essential expenses such as mortgage payment and utilities because you do not have a steady stream of income coming in
Job loss
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Suddend death in the family member that requires you to travel at short time of notice
Family Emergency
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It is an unexpected tax bills
Legal or tax emergency
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It's acts as a safety net that can help you cover unexpected expenses without having to rely on credits cards ,loans or dipping
Financial Security
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Can help you to avoid tapping into your long term investment and keem them intact for their intended purpose
Protecting Long term investment
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Act of commiting money or capital purchase assets , securities or other financial instrument with expectation of earning a return or profit
investment
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It's involves allocating resources with the goal of generating income or increasing the value of money over time
Investment
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Understanding the importance of investing in the finance pyramid. DIHD Putting your money to work in investment that have the potential to grow you can generate returns.
Building Wealth
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Understanding the importance of investing in the finance pyramid. This can provide you financial security, flexibility and opportunities for financial growth
Building Wealth
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Understanding the importance of investing in the finance pyramid. This helps you minimize the impact of market fluctuations and reduce the risk of losing all your investment in a single asset of inves8
Diversification
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Understanding the importance of investing in the finance pyramid. It is a critical risk management strategy that can protect you investment and enhanced long-term returns
Diversification
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Understanding the importance of investing in the finance pyramid. This can significantly amplify your returns over the long term , allowing your investment to grow exponentially
Compound interest
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Understanding the importance of investing in the finance pyramid. It is the concept of earning interest not only your initial investment but also on the accumulated interest overtime
Compound interest
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Understanding the importance of investing in the finance pyramid. Its allows you to build a substantial retirement fund that can you provide with a comfortable lifestyle after you stop working
Retirement Planning
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Understanding the importance of investing in the finance pyramid. With the increasing life expectancy and rising health care costs , it is crucial to start investing early and consistently to ensure a financially secure retirement
Retirement Planning
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It is gradual increase in the general level of prices for goods and services over time, which erodes the purchasing power of your money.
Beat Inflatation
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investing in assets that have the potential to outpace of price hike , such as stocks or real estate, you can protect your investments from losing value due to price rising and ensure that your money retains its purchasing power in the future.
Beat Inflatation
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buying a house, starting a business, or funding your child's education.
achieve financial goals
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By investing consistently and strategically, you can accumulate the necessary funds to achieve your what ? and fulfill your dreams without relying solely on loans or credit.
Achieve Financial Goals
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Keeping your money in a regular savings account may not provide significant returns as the interest rates are typically low.
Beat Savings Account Returns
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Investing in diversified portfolios of stocks, bonds, or other investment vehicles can potentially offer higher returns over the long term, helping you grow your wealth at a faster pace than traditional savings accounts.
Beat Savings Account Returns
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It's represent ownership in a company, and investing in stocks allows individuals to participate in the company's profits and growth.
stock
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Where stock can be bought?
Philippine Stock Exchange
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It's known for their potential high returns but also come with risks, as their value can fluctuate based on market conditions and company performance.
Stock
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debt securities issued by companies, governments, or other entities, and they pay interest to bondholders.
bonds
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generally considered less risky than stocks as they offer fixed returns, but they also have lower potential for growth.
bonds
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Who issues the government bonds ?
government
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Who issues corporate bonds?
corporate
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pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.
mutual funds
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It's regulated by the securities and exchange commission
mutual funds
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investments involve buying properties such as land, houses, or condominium units with the expectation of earning rental income or capital appreciation.
Real Estate
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considered a tangible asset and can provide both income and potential appreciation in value
real estate
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It is an investments also come with risks, such as property market fluctuations, property management issues, and financing risks.
Real Estate
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It is similar to mutual funds, but they are offered by banks and are regulated by the Bangko Sentral ng Pilipinas (BSP).
Unit Investment Trust Funds
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It's is an pool money from investors to invest in a diversified portfolio of securities.
Unit Investment Trust Funds
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It is offer different types of funds with varying risk levels, such as equity, balanced, bond, and money market funds.
Unit Investment Trust Funds
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It is similar to mutual funds, but they are traded on stock exchanges like individual stocks.
Exhange Trade Funds
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It's represent ownership in a diversified portfolio of stocks, bonds, or other assets, and they offer investors the opportunity to diversify their investments and trade them throughout the trading day.
Exhange traded funds
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The Philippine government also issues this kinds of bond to individual investors.
retail treasury bonds and retail treasury bills
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These are considered relatively low-risk investments as they are backed by the government, and they offer fixed returns over a certain period of time.
Government Savings Bonds
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This could be a traditional brick-and-mortar business, an online business, or a franchise.
Small Business Investment
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Determine the right investment approach and time horizon. It also helps you stay focused and motivated during market fluctuations.
Set Clear Goals
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The practice of spreading investments across different asset classes, sectors, and regions.
Diversify your investment
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This helps to manage risk and minimize the impact of any single investment on your portfolio and allows you to capture potential gains from different areas while reducing the risk of losses.
Diversify your investment
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This involves assessing the performance of your investments and making adjustments to ensure they align with your financial goals and risk tolerance.
Regularly Monitor and Rebalance your portfolio
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It is crucial to understand the costs associated with your investments and minimize them where possible.
Control Cost
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refers to the potential for investments to decline in value due to market fluctuations.
market risk
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refers to the erosion of purchasing power over time due to rising prices.
inflation risk
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refers to the potential impact of changes in interest rates on the value of fixed-income investments.
inflation rate risk
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refers to the ease of buying or selling an investment without significantly impacting its price.
Liquidity Risk
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refers to having a significant portion of your investments in a single asset or a few investments.
concentration risk
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refers to making investment decisions based on emotions, such as fear or greed, rather than rational analysis.
emotional bias
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can lead to impulsive investment decisions that may not align with your long-term financial goals.
emotional bias
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are risks in investing, particularly in less regulated investment markets. It is important to thoroughly research and vet any investment opportunities or financial advisors before committing your funds.
fraud and scam
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It's can impact the overall returns of your investments.
tax consideration
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All are the difference types of emegerncy except one
Financial stability
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Its can help you cover thede unforceen costs and rebuild your life after such disasters
natural disaster
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Important reason why emegency fund are important except one
Achieve financial goals
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Emergency fund is crucial component of personal finance that should be prioritized in order to build a strong financial foundations
TRUE
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The amount you save in an emegency fund is fix in your income
FALSE
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All consideration to determine how much you should save in emergency fund except one
Financial security
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In conclusion there is no one size fits all anseer how much you should save in an emergency fund
TRUE
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Financial experts recommens saving at least 3 to 6 months worth of expenses in an emergency fund as a general guidelines
TRUE
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If you have a stable job with steady paycheck, you may need a larger emergency fund
FALSE
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if your income is irregular or dependent on bonusss you may need a smaller emergency fund
FALSE
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Kinds of strategies for building emergency fund that determining how much you need to save to cover three to six months of living expenses
set a saving goals
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Kinds of strategies for building emergency fund that identify areas where you can cut expenses
create a budget
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Kinds of strategies for building emergency fund that det up an automatic transfer from your checking account to your emergency fund each month
automate savings
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Kinds of strategies for building emergency fun that making it as an priority
Prioritize savings
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Kinds of strategies for building emergency fun that use unexpected tax refunds or bonuses
use windfalls
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Kinds of strategies for building emergency fund that if you cant afford to save 3 to 6 months of living expenses right away start with it
start small