4M were to invest

**club25** · June 27th, 2007 12:11 AM

my relatives and i have pooled our money together and came up with 4M. What kind of business do you think we should look into. thanks

**Lucius** · June 27th, 2007 12:17 AM

Seaoil + carwash + burger machine

**oldblue** · June 27th, 2007 01:13 AM

franchise 2 200-500K brand names
and 1 1M+ brand name

remaining pang-operation

**club25** · June 27th, 2007 01:41 AM

thanks for your suggestions. have you heard of PruLife UK? a friend of my cousin is trying to convince us to invest our money there. i think its a insurance firm where your money will be invested in mutual funds stocks, etc. according to her the return of investment in a year will go as high as 30 to 40%.

**MACpod** · June 27th, 2007 02:18 AM

OT: ok ba kung i-invest sa condo unit? pre-selling.

**v6dreamer** · June 27th, 2007 02:22 AM

Originally Posted by club25

thanks for your suggestions. have you heard of PruLife UK? a friend of my cousin is trying to convince us to invest our money there. i think its a insurance firm where your money will be invested in mutual funds stocks, etc. according to her the return of investment in a year will go as high as 30 to 40%.

30 to 40 percent is a very handsome numbers and its also UNREALISTICS for that kind of return. You must do your home work before vesting that money into that insurance firm. If this kind of vesment is true this is what they called an " Aggresive' or "High risk" and you loss all your money in the blink of an eye or perhaps double your money IF YOU GOT LUCKY.

I have also an invesment on the stocks and mutual fund and its a guaranteed return. Its not a good one but safe knowing that my money is always there whenever I need it.

**the_wildthing** · June 27th, 2007 02:46 AM

1) how many people are actually in the pool?

2) does everyone have equal share?

I am asking these because if you are to put up a business, you'll have to think up how much each will get in return.

3) If you do put up a business, does everyone plan on investing their time as well into the business, or are they passive investors that just want a return on their money without time spent?

Stocks and mutual funds are NEVER guaranteed. Read the prospectus, and the Investor Relations page of the company you're buying into. Basically, risk and reward go hand in hand. 30% to 40% is on a good day or good year. What if it's a bad year? How good is the manager to protect against loss, or at least, minimize loss (lower than market)?

**Walter** · June 27th, 2007 06:15 AM

If it's too good to be true, then it must be.

**empy** · June 27th, 2007 08:55 AM

don't take this the wrong way, but hopefully you are not staking the whole 4M on the advice of a bunch of strangers on a message board

discussion forums like this one help to get ideas, of course, but vet any serious plans with an expert in the field that you can trust.

with that disclaimer, i think real estate in the Phils is very strong. if 4M was my life savings and not "play money" i would shy away from high risk/high reward investments like individual securities, hedge funds, etc.