Investor’s Education and Information
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Investment 101
DO`S AND DON`TS FOR INVESTORS:
- Be wary of unexpected telephone calls, letters, or even personal visits from people who offer quickprofit schemes that require your immediate investment.
- Be suspicious of “inside information,” hot tips, and rumors that supposedly will give you a big advantage over other, less knowledgeable investors.
- Turn down money request accompanied by highpressure warnings like “Tomorrow will be too late”, “Positioning is important” or “Act now because there will soon be long waiting lists of others who want to take advantage of this golden opportunity.”
- Be wary of schemes that give emphasis on recruitment of members or “downlines”, particularly if the product being offered is overpriced, as the same may be a disguised pyramiding scheme.
- Do not engage in foreign currency trading unless you fully understand the mechanics or dangers of currency trading and can afford to lose your money (margin or security deposit). There is no such thing as a guaranteed return in currency trading.
- Ask for a prospectus, offering circular, financial statement, or other similar document before you even consider investing. Then read the small print carefully, particularly on refund, and make sure you understand the terms thoroughly before signing any kind of commitment.
- When in doubt, make no promises or commitment, no matter how tentative. Remember, “if it sounds too good to be true, it usually is.” It is far better to wait and lose an opportunity than to take the plunge and lose everything.
- Before making a commitment, get an opinion from your lawyer, stockbroker, accountant, or the appropriate government office.
- Always demand official receipts in the name of the corporations or entities you are dealing with.
- Note that a Primary SEC Registration only grants juridical personality. It does not automatically give a company the authority to engage in all types of business activities such as lending, selling of securities and investment contracts, investment taking, etc. To confirm that the company or individual is properly licensed to conduct the business in question and has no history of violating the law, get in touch with the SEC:
MGA BAGAY NA DAPAT MALAMAN PARA SA PROTEKSYON NG MGA NAMUMUHUNAN
- Mag-ingat sa pagtanggap ng mga tawag sa telepono, sulat, 0 personal na pakikipag-ugnayan sa mga taong nag-aalok ng malaking interes kapalit ng inyong mabilisang pagbibigay ng puhunan 0 pagsali sa kanilang negosyo.
- Hindi dapat paniwalaan agad ang mga impormasyon 0 tsismis na nagmumula sa loob ng isang kompanya na diumano’y konti Tillnang ang dapat IliakaalalIl. Kunwari ~~magkakaroon ng kapakinabangan 0 bentahe laban sa ibang mamumuhunan upang lalo kayong mahikayat na sumapi sa negosyo nila.
- Iwasang surnali sa mga negosyong nag-eengganyong magbigay agad kayo ng pera sapagka’t minsan lamang ang oportunidad na inaalok nila kaya’t kailangang samantalahin upang makinabang tulad ng iba na kunwari ay kumita na ng malaking halaga ng pera.
- Mag-ingat sa pagsapi sa mga negosyo na kahalintulad ng mga ‘pyramiding schemes’. Ang mga ito ay mang-oobliga na mag-recruit kayo ng mga miyembro (downlines) para lumaki ang inyong komisyon (overrides) mula sa mga maibebenta nilang mga produkto na kadalasan naman ay sobrang mahal ng halaga.
- Huwag makisapi sa mga negosyong may kinalaman sa pakikipagpalitan ng pera ng iba’t-ibang bansa (foreign currency trading), kung hindi naiintindihang mabuti ang kalakaran at peligro nito. Walang garantiya na maibabalik nga ang inyong puhunan, bagkus ay mas malaki ang posibilidad na kayo ay malugi rito.
- Kailangang naiintindihan ang lahat ng impormasyon 0 detalye tungkol sa negosyong papasukan. 8ago makisapi sa isang negosyo, humingi ng mga prospektus, katalogo, legal na dokumento, at kasulatan ukol sa pinansyal na kalagayan ng kompanya. 8ago pirmahan ang anumang kasulatan, kailangang mayroong kasunduan na maari ninyong bawiin ang inyong pera na naaayon sa inyong kagustuhan.
- Huwag magmadali sa pagdedesisyon. Kapag may pagdududa, iwasang maglahad ng inyong intensyong mamuhunan, maging ito man ay sa malapit na kinabukasan 0 sa ibang panahong hindi pa batid sa kasalukuyan. Mas makabubuti na ipagpaliban o huwag na lamang mamuhunan kaysa malugi sa isang negosyo.
- Sumangguni sa mga mapagkakatiwalaang abogado, lehitimo 0 kinikilalang stock broker/dealer/agents (mga ahente na lisensyadong magbenta 0 mag-avos sa pagbibilihan ng mga instrumento ng panagot 0 pamumuhunan) at sa tamang ahensiya ng pamahalaan bago magdesisyon na mamuhunan.
- Bilang katibayan ng inyong pagbibigay ng puhunan, humingi ng opisyal na resibo (Official Receipt) mula sa mga kompanya 0 tao na inyong naka-transakyon sa negosyo.
- Alamin kung rehistrado ang isang kompanya mula sa Komisyon ng Panagot at Palitan 0 Securities and Exchange Commission (SEC). Ang negosyong maaaring pasukin ng isang kompanya ay dapat naayon sa lisensiyang ipinagkaloob ng SEC, laic na kung ito ay tungkol sa pangangalakal ng pera, pagpapautang, pagbebenta ng mga instrumento ng pananalapilkapital at iba pang mga kauring negosyo. Maaring alamin kung may kallkulang lisensiya ang isang kompanya at kung malinis ang rekord nita at hin-di lumaTabag sa mga tratas 0 legulasyon fla ipinatutupad ng SEC. Maaring makipag-ugnayan sa:
DEFINITION OF TERMS AND ACRONYMS
| AAI | – | Amended Article of Incorporation | |
| AAP | – | Amended Article of Partnership | |
| AB | – | Amended By-Laws | |
| AI/BL | – | Article of Incorporation/By-Laws | |
| AD | – | Assistant Director | |
| AP | – | Article of Partnership | |
| AMLA | – | Anti-Money Laundering Act | |
| BIR | – | Bureau of Internal Revenue | |
| BO | – | Budget Officer | |
| BP | – | Batas Pambansa | |
| CA | – | Commonwealth Act | |
| CAs | – | Certificate of Authority/s | |
| CCP | – | Corporation Code of the Philippines | |
| CFRD | – | Corporate Filing and Records Division | |
| CMD | – | Compliance Monitoring Division | |
| COP | – | Confirmation of Payment of Fines | |
| CRMD | – | Company Registration and Monitoring Department | |
| CRRD | – | Central Receiving and Releasing Division | |
| DIL | – | Document Index List | |
| DIS | – | Digital Imaging System | |
| DTU | – | Document Tracking Unit | |
| EIPD | – | Enforcement and Investor Protection Department | |
| EO | – | Executive Order | |
| ERN | – | Employer’s Registration Number | |
| FAAD | – | Financial Analysis and Audit Division | |
| FCA | – | Financing Company Act | |
| FIA | – | Foreign Investment Act | |
| FS | – | Financial Statement | |
| GIS | – | General Information Sheet | |
| IBRS | – | Integrated Business Registration System | |
| LC | – | License Control | |
| LCRA | – | Lending Company Regulation Act | |
| LU | – | Licensing Unit | |
| LRF | – | Legal Research Fee | |
| MS | – | Monitoring Sheet | |
| MSRD | – | Markets and Securities Regulation Department | |
| NOC | – | Notice of Conference | |
| OGA | – | Office of General Accountant | |
| OGC | – | Office of General Counsel | |
| OR | – | Official Records | |
| PAF | – | Payment Assessment Form | |
| Pag-IBIG | – | Home Development Mutual Fund | |
| PD | – | Presidential Decree | |
| PhilHealth | – | Philippine Health Insurance | |
| PRU | – | Public Reference Unit | |
| RA | – | Republic Act | |
| REIT | – | Real Estate Investment Trust | |
| RRN | – | Reference Reservation Number | |
| RHQ | – | Regional Headquarters | |
| RO | – | Receiving Officer | |
| ROHQ | – | Regional Operating Headquarters | |
| SRU | – | Staff Research Unit | |
| SSS | – | Social Security System | |
| STB/MB | – | Stock Transfer Book/Membership Book | |
| TCT | – | Transfer Certificate of Title | |
| TIN | – | Tax Identification Number | |
| SEC | – | Securities and Exchange Commission | |
| SRC | – | Securities Regulation Code | |
| SRO | – | Self-Regulatory Organization |