April 03, 2026

How to Diversify Your Portfolio Using Soldivo Funds

A Familiar Moment in a Financial Seminar

You’re seated in a seminar in Manila when the speaker asks:

“Kung iisa lang ang pinaglagyan mo ng pera… safe ba ‘yan?”

Someone answers:

“Oo, basta maganda ang fund.”

The speaker smiles and replies:

“Paano kung bumaba ‘yun?”

Silence.

👉 That’s where diversification comes in.

💡 What is Diversification?

📊 Simple Explanation

Diversification means:

👉 Spreading your money across different investments

Instead of:

One fund only ❌

You do:

Multiple funds/assets ✅

💡 Seminar line:

“Don’t put all your eggs in one basket.”

📈 Why Diversification Matters

In a seminar in Cebu City, a speaker explained:

If one investment goes down
Others can balance it

👉 Result: Less risk, more stable growth

💼 Understanding Soldivo Funds

IMG Soldivo Funds, under International Marketing Group, offer different types of funds such as:

Equity Fund (higher risk, higher growth)
Bond Fund (lower risk, stable returns)
Balanced Fund (mix of both)

👉 Perfect for building a diversified portfolio.

🧠 Scenario 1: One-Fund Investor vs Diversified Investor

🇵🇭 Seminar Story in Davao City

❌ Carlo (Single Fund Only)

Invested everything in equity fund

When market dropped:
👉 Big losses, panic

✅ Ana (Diversified Portfolio)

Equity + Bond + Balanced

When market dropped:
👉 Loss minimized, portfolio stable

💡 Lesson:
Diversification protects you from extreme losses.

⚖️ Strategy #1: Balance Risk Levels

📊 Mix High and Low Risk

Example allocation:

60% Equity Fund
30% Bond Fund
10% Money Market

👉 Adjust based on your risk tolerance.

🎯 Strategy #2: Align with Your Goal

In a seminar in Zamboanga City:

“Ang investment mo dapat naka-base sa goal mo.”

Short-Term (1–3 years)

👉 More conservative (bond, money market)

Long-Term (5–20 years)

👉 More aggressive (equity)

🔄 Strategy #3: Rebalance Your Portfolio

📉📈 Adjust Over Time

Over time:

Some funds grow faster
Allocation changes

👉 Rebalance every 6–12 months

Example:

Equity becomes too big → shift some to bonds

💰 Strategy #4: Invest Regularly in Different Funds

Instead of:

One-time big investment

Do:

Monthly contributions
Spread across funds

💡 This improves:
✔ Risk management
✔ Cost averaging
✔ Long-term growth

😰 Strategy #5: Avoid Emotional Concentration

Many beginners:

Put everything in “top-performing fund”

In a seminar in Manila:

“Kung saan mataas ngayon… hindi ibig sabihin doon na lang lagi.”

👉 Trends change.

💡 Lesson:
Stay diversified, not emotional.

🛠️ Sample Diversified Plan (Beginner-Friendly)

Monthly Investment: ₱3,000

₱1,500 → Equity Fund
₱1,000 → Bond Fund
₱500 → Balanced Fund

Review:

Every 6–12 months

Goal:

Long-term growth with controlled risk

💬 Seminar Insight That Sticks

A speaker once said:

“Hindi mo kontrolado ang market… pero kontrolado mo ang strategy mo.”

That’s the power of diversification.

🚀 Final Reflection

Diversifying your portfolio using IMG Soldivo Funds is not complicated.

It’s about:

Spreading your investments
Managing risk
Staying consistent
Thinking long-term

👉 Simple moves. Strong protection. Better growth.