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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:

👉 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

  1. Start investing in Soldivo Funds
  2. Ignore daily NAVPU fluctuations
  3. Invest consistently (monthly)
  4. 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.

Related Topics

                                IMG Soldivo Funds

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