Understanding NAVPU: How Your Money Grows in Soldivo Funds (Philippine Beginner’s Guide)
If you’ve ever attended a financial seminar in the Philippines, you’ve probably heard this term:
👉 “NAVPU”
At first, it sounds technical—maybe even intimidating. But once you understand it, you’ll realize:
👉 NAVPU is simply how your investment grows over time.
In this guide, we’ll break it down in a simple, relatable way—just like how it’s explained in Filipino seminars.
💡 What is NAVPU?
NAVPU stands for Net Asset Value Per Unit.
In simple terms:
👉 It is the price of one unit of your mutual fund investment.
When you invest in Soldivo Funds, your money buys “units.”
- If NAVPU is ₱1.00, your ₱1,000 buys 1,000 units
- If NAVPU increases to ₱1.20, your investment grows in value
Imagine this 👇
You bought mangoes in the market:
- Day 1: ₱100 per kilo
- Day 10: ₱120 per kilo
👉 The price increased, so the value of what you own also increased.
📊 That’s exactly how NAVPU works.
📈 How Your Money Grows Through NAVPU
Let’s break it down step-by-step:
Step 1: You Invest
You invest ₱5,000 when NAVPU is ₱1.00
👉 You get 5,000 units
Step 2: NAVPU Changes
After some time, NAVPU becomes ₱1.30
Step 3: Your Investment Grows
👉 5,000 units × ₱1.30 = ₱6,500
✔ Your money grew by ₱1,500
🇵🇠Real-Life Seminar Scenarios
Here’s how this is usually explained in Filipino financial seminars 👇
👩 Scenario 1: The Office Worker (Regular Saver)
Profile:
- Invests ₱1,000 monthly
- Long-term mindset
What Happens:
Sometimes NAVPU goes up, sometimes down.
👉 But over time, she buys:
- More units when prices are low
- Fewer units when prices are high
💡 Result: Averaging effect (peso cost averaging)
👨 Scenario 2: The “One-Time Investor”
Profile:
- Invests ₱10,000 once
- Doesn’t add more
What Happens:
- If NAVPU increases → profit
- If NAVPU drops → temporary loss
💡 Lesson: Timing matters more here than consistency.
👨👩👧 Scenario 3: The Family Builder
Profile:
- Invests ₱2,000 monthly for 10 years
What Happens:
Even with market ups and downs:
👉 NAVPU generally trends upward over long periods
💡 Result: Wealth builds slowly but steadily.
📊 Why NAVPU Goes Up (or Down)
NAVPU changes daily based on:
- Stock market performance
- Interest rates
- Economic conditions
- Fund manager decisions
👉 This is normal. Fluctuations are part of investing.
⚠️ Important Truths About NAVPU
❌ NAVPU going down doesn’t mean you lost money permanently
❌ NAVPU going up doesn’t mean you should withdraw immediately
👉 You only gain or lose when you redeem your investment
💡 Key Concept: Peso Cost Averaging
This is one of the most powerful lessons taught in seminars.
👉 You invest regularly regardless of NAVPU price.
Benefits:
✔ Reduces risk
✔ Removes emotional investing
✔ Builds discipline
🧠Common Misunderstandings
❌ “Mas mura ang NAVPU, mas maganda” (Not always true)
❌ “Bumaba NAVPU, lugi na ako” (Not unless you sell)
❌ “Kailangan timingan ang market” (Hard even for experts)
🪜 Simple Strategy for Beginners
- Start investing in Soldivo Funds
- Ignore daily NAVPU fluctuations
- Invest consistently (monthly)
- Think long-term (5–10 years)
👉 “Hindi importante kung mataas o mababa ang NAVPU ngayon… ang importante, tuloy-tuloy kang nag-iinvest.”
📈 Final Thoughts
NAVPU is not something to fear—it’s something to understand.
Once you get it, you’ll realize:
👉 Investing is not about timing the market
👉 It’s about time in the market
And that’s how your money truly grows.
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