cooperative financial investment and management

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.



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.



WHAT

IS

INVESTMENT

?

An asset or item that ispurchased with the hope thatit will generate income orappreciate in the future.


an investment is the purchase of goods that

are not consumed today but are used in the future

to create wealth.


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.


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


INVESTMENT OR SAVINGS

INVESTMENT BANKER


PORTFOLIO MANAGEMENT

Managing your investment holdings in the most intelligent way consistent of your liquidity needs, risk profile, goals and objectives


KEYS TO A SUCCESFUL INVESTMENTS


RISKRETURN

SAFETYTIME

KIND

COOP FINANCIAL INVESTMENT

MANAGEMENT

R

E

T

U

R

N

KINDS OF INVESTMENTS


STOCKS REAL ESTATEINSURANCES



MUTUAL FUNDS BONDS/SECURITIES

CERTIFICATE OF DEPOSITS


“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


Engr. Melvin R. AguinaldoManager, Planters Bank

• Studied BS civil engineering at Saint Louis University

cooperative financial investment and management

Government & Nonprofit