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COOPERATIVE FINANCIAL INVESTMENTMANAGEMENT
MELVIN R. AGUINALDOBranch Sales Head
PLANTERS DEVELOPMENT BANK
(SUBSIDIARY of CHINA BANK CORPORATION)
COOP FINANCIAL INVESTMENT MANAGEMENT
FINANCIAL
EMPOWERMENT
FINANCIAL
WELLNESS
FINANCIAL WELLNESS
An intricate balance of the mental,spiritual and physical aspects of MONEY.
A state of having an understanding of your financial situation and taking care of it in a manner that you are prepared.
COOP FINANCIAL INVESTMENT MANAGEMENT
COOP FINANCIAL INVESTMENT MANAGEMENT
COOP FINANCIAL INVESTMENT MANAGEMENT
WHATIS
SAVINGS?
SAVINGS• An economy of or reduction in money, time, or another
resource
• The money one has saved, especially through a bank or official scheme.
• For capital preservation and to keep pace with inflation.
COOP FINANCIAL INVESTMENT MANAGEMENT
COOP FINANCIAL INVESTMENT MANAGEMENT
WHAT
IS
INVESTMENT
?
An asset or item that ispurchased with the hope thatit will generate income orappreciate in the future.
COOP FINANCIAL INVESTMENT MANAGEMENT
an investment is the purchase of goods that
are not consumed today but are used in the future
to create wealth.
COOP FINANCIAL INVESTMENT MANAGEMENT
an investment is a monetary asset purchased with
the idea that the asset will provide income in the
future or appreciate and be sold at a higher price.
the action or process of investing money for profit
or material result. It is a simple activity but does not
mean it is easy.
COOP FINANCIAL INVESTMENT MANAGEMENT
SAVINGS INVESTING
Purpose Liquidity Capital Build Up
Principal Protected(500T for depositorsPDIC)
May lose principal(Principal is at risk)
Returns/Interest Low Moderate to High
Time Period Short Term Short to Long Term
Capital Growth Slower Faster
Risk Low Moderate to High
COOP FINANCIAL INVESTMENT MANAGEMENT
INVESTMENT OR SAVINGS
INVESTMENT BANKER
COOP FINANCIAL INVESTMENT MANAGEMENT
PORTFOLIO MANAGEMENT
Managing your investment holdings in the most intelligent way consistent of your liquidity needs, risk profile, goals and objectives
COOP FINANCIAL INVESTMENT MANAGEMENT
KEYS TO A SUCCESFUL INVESTMENTS
COOP FINANCIAL INVESTMENT MANAGEMENT
RISKRETURN
SAFETYTIME
KIND
COOP FINANCIAL INVESTMENT
MANAGEMENT
R
E
T
U
R
N
COOP FINANCIAL INVESTMENT MANAGEMENT
COOP FINANCIAL INVESTMENT MANAGEMENT
COOP FINANCIAL INVESTMENT MANAGEMENT
KINDS OF INVESTMENTS
COOP FINANCIAL INVESTMENT MANAGEMENT
STOCKS REAL ESTATEINSURANCES
KINDS OF INVESTMENTS
COOP FINANCIAL INVESTMENT MANAGEMENT
MUTUAL FUNDS BONDS/SECURITIES
CERTIFICATE OF DEPOSITS
KINDS OF INVESTMENTS
“I am a better investor because I am a businessman and I am a better businessman because I am an investor.”
In the business world, the rear view mirror is always clearer than the windshield.
Warren Buffett
COOP FINANCIAL INVESTMENT MANAGEMENT
COOP FINANCIAL INVESTMENT MANAGEMENT
Engr. Melvin R. AguinaldoManager, Planters Bank
• Studied BS civil engineering at Saint Louis University