4M were to invest

[club25]

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]

Seaoil + carwash + burger machine

[oldblue]

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

remaining pang-operation

[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%.

[MACpod]

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

[v6dreamer]

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]

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)?

[ogpro]

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%.

High returns = Higher risks.

If you really worked that hard for your money, then I would be more careful about where you're going to invest it than just handing it to someone else under an assumed capital return. FYI, REAL mutual funds have an average rate of return at less than 10%. Closer to 6-8 actually. Anybody telling you it will be more than that should already be suspect.

http://en.wikipedia.org/wiki/Mutual_fund

I would personally rather invest it in something that actually has real and material assets that I can at least liquidate to have some sort of protection against loss.

Do your research, it's also called "due diligence". No matter how hard you worked for your money, when you couple it with irresponsible investing, you will be almost guaranteed to lose it.

As a rule of thumb, you normally want to spend about 5-10% of the time it took to earn an amount to do research in how you will invest it. If it took you 10 years to save up that million, you will want to take your time and spend about 6mos researching your chosen investment. Now, if it took you just a month to make that money, logic assumes you can make more in the same amount of time, so you can get away with a little less research and more risk. It's all relative.

[downshift2]

4M would give you...8-12 cars in stock just in case you want to try selling and buying of cars.Study the trade...know the market price of all cars.As a start stick to "low budget cars" 150K Up.A seasoned buy and sell would earn at least 200thou net a month(5%) for a capital of 4M.But there are jackpots in trade in,financing,insurance etc...and this would give you higher income..mga 10-15% a months granting the whole 4M is invested sa mga oto.

Its risky business...you have to check and double check the documents/car itself if it is not tampered or carnapped.

Goodluck...PM me if you have further questions

[yebo]

FYI, REAL mutual funds have an average rate of return at less than 10%. Closer to 6-8 actually. Anybody telling you it will be more than that should already be suspect.

bossing, tama ka na 6-8%, pero mali ka pa din. kasi yung 6-8% na alam mo e sa US yan, forget mo na si club25 e nasa Pinas. you based your answer where you're at (los angeles), the ts is in manila.

i will not put any figures here anymore, i leave it to you to do the research.

[theveed]

High returns = Higher risks.

If you really worked that hard for your money, then I would be more careful about where you're going to invest it than just handing it to someone else under an assumed capital return. FYI, REAL mutual funds have an average rate of return at less than 10%. Closer to 6-8 actually. Anybody telling you it will be more than that should already be suspect.

http://en.wikipedia.org/wiki/Mutual_fund

I would personally rather invest it in something that actually has real and material assets that I can at least liquidate to have some sort of protection against loss.

Do your research, it's also called "due diligence". No matter how hard you worked for your money, when you couple it with irresponsible investing, you will be almost guaranteed to lose it.

As a rule of thumb, you normally want to spend about 5-10% of the time it took to earn an amount to do research in how you will invest it. If it took you 10 years to save up that million, you will want to take your time and spend about 6mos researching your chosen investment. Now, if it took you just a month to make that money, logic assumes you can make more in the same amount of time, so you can get away with a little less research and more risk. It's all relative.

Great advice.... Also understand that education on what you're investing allows you to CONTROL how much risk you can manage and not just hope for the best... Things like mutual funds and UITFs may offer a little safer form of investment, but what you're doing is purely dumping your money on someone else's hand and hope that he manages his investment choices well so that you can benefit.

[pup2]

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

You must've had SOME idea why you decided to pool your money. Honestly, anyone with a great business or business idea wouldn't share unless they're philanthropists.

[torque2006]

you just pooled your money?

so who's going to decide?

[ekimonk]

sino may hawak nung pera? ikaw?

who makes the decisions? dapat ata yan may kasulatan ah.. o baka naman super rich ang mga relatives mo at parang donation nila sa yo yan..hehehe..

wag mo muna galawin..put it muna to a mutual fund para di matulog.. then enroll for courses in TLRC or Tesda..

dapat may involvement din relatives mo, ano ano ba mga expertise nyo?

.. kung nasa abroad sila try buy and sell, import and export .. ..

don't even think about buying real estate.. once you buy real estate tulog na pera mo dyan.. di mo basta basta mabebenta ang real estate, may talo ka sa brokers fees and capital gains tax..