Treasury Bills / Bonds Investment -help me to understand.

[aioshin]

Hi Tsikoters,

Please if someone has experience on this, is it worth to invest on it? I have read that minimum is 200K... am not just sure how much is the return if I get the minimum (200K) less the Tax and the Fees required by the bank. If this is ok, then maybe, I will just sell my Car and invest on it.

Hope someone can clarify.

Thanks and more power Tsikoters.

[macsd]

200K won't bring you anywhere. If you want to jump in here, you got to deal with high side of 7 digits to 8 digits. The coupon or interest per year of new openings are not as good as it use to be, 3.5-4.5% annually the most. They use to offer 8-10%. If you are to buy those Bonds it goes with a premium to the point that better stay away of it. The best time to buy is when there's new opening as it normally sell a few thousand below par. After a year it's above par already and you can sell to gain profit from the difference + coupon. Goverment bonds are tax free & very much guaranteed unlike corporate bonds but banks do take a slice in terms of handling & processing fees per coupon.

[jut703]

I would suggest stocks or UITF instead of bonds. In the short and long run, outlook on equity is still very positive so you'll definitely get better returns as opposed to fixed income instruments.

[kimbon]

I would suggest stocks or UITF instead of bonds. In the short and long run, outlook on equity is still very positive so you'll definitely get better returns as opposed to fixed income instruments.

TS, if you're a type of investor who are risk taker invest in stocks otherwise UITF ( ex. BDO money market), a conservative investment... Goodluck...

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I would suggest stocks or UITF instead of bonds. In the short and long run, outlook on equity is still very positive so you'll definitely get better returns as opposed to fixed income instruments.

TS, if you're a type of investor who are risk taker invest in stocks otherwise UITF ( ex. BDO money market), a conservative investment... Goodluck...

[kagalingan]

tsikoteers,

ang haba pala ng documentation, inabot ng 45minutes. Next time il be ready. For 18months i will be earning 360thou.

Tapos sa bdo inofferan ako for 42days tutubo ng 17,500 pero minimum 5million.

yung pagibig mp2 ko nagdadalawang isip na ako paabutin ng 3million. Mas natitipuhan ko ito mighty bonds.

[kagalingan]

another matagal na documentation..

for 40days at 1.5milyones il be earning 5thou. Hindi daw bond ang tawag. Bukas balik ako para tanungin ulit yung name ng investment at transfer of funds.

[dr. d]

another matagal na documentation..

for 40days at 1.5milyones il be earning 5thou. Hindi daw bond ang tawag. Bukas balik ako para tanungin ulit yung name ng investment at transfer of funds.

you can just give the manager a call, for the name.

5K for a 1.5M placement x 40 days... that's about right, give or take.

[dreamur]

another matagal na documentation..

for 40days at 1.5milyones il be earning 5thou. Hindi daw bond ang tawag. Bukas balik ako para tanungin ulit yung name ng investment at transfer of funds.

Huwag jan kags. Taya mo sa lotto sigurado kang mananalo ng at least P50K. [emoji2958]

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[sirkosero]

May bond offer metrobank ah... 5%p.a. gross of taxes. 18 month tenor.

Subscription period until oct 19 na lang din yata.

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[kagalingan]

dreany desel,

sa buong buhay hindi ako tumaya ng lotto. Hindi kaya ng dignidad ko pipila sa pangit na stall tapos bibili ticket para sa game of chance. Para sa mga uhaw sa pera yan.

casino nga na sosy twice lang ako nakapunta nakikinuod lang. Nasabihan pa ako meron beginners luck kasi nanalo mga kasamahan ko.

hindi ako nangsisino pag sugal. Whether pang poor or upscale, both ayaw ko. Kaya binubwenas tuloy ako.

[Mask Rider Blac]

Investment Management Account. Hindi yan time deposit. Product yan ng Trust Banking Group. Parang selling agent lang si bank/branch. Hindi yan covered ng PDIC kasi hindi yan deposit product...maganda siguro ung agent.

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[dreamur]

Investment Management Account. Hindi yan time deposit. Product yan ng Trust Banking Group. Parang selling agent lang si bank/branch. Hindi yan covered ng PDIC kasi hindi yan deposit product...maganda siguro ung agent.

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Money market nga. Di bali may P3M naman si kags. Mas impt maka freebie kay agent. [emoji23]

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[kagalingan]

investment management acoount in laymans special time deposit with trust.

today rate in 32 days 3% net. Minimum 1million

[_Cathy_]

Investment Management Account. Hindi yan time deposit. Product yan ng Trust Banking Group. Parang selling agent lang si bank/branch. Hindi yan covered ng PDIC kasi hindi yan deposit product...maganda siguro ung agent.

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You sound like a banker. Sana you would post more

[papi smith]

Btw, ung quarterly payout ba guaranteed? Napansin ko kasi ang word na estimated when I backread. Parang VUL ang dating.

[dr. d]

unless the interest amounts indicated are specifically described as 'guaranteed',
such amounts are ... best-case scenario;
expect smaller numbers come payday, to avoid sadness.

[dreamur]

Btw, ung quarterly payout ba guaranteed? Napansin ko kasi ang word na estimated when I backread. Parang VUL ang dating.

Usually they use the word estimated but in my experience, ganun naman ang payouts. I will pm you the manager bro. Not sure if offered pa but ask na rin for addtl details if you are interested. Naabutan kasi ni X3 so hindi ko na tinuloy. [emoji28]

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[papi smith]

It looks like with the increasing interest rates, they were able to craft new policies where they give you a decent regular return on your money like bonds and use the difference to pay for the insurance premium. It's like a bond on steroids [emoji23]

[Deestone]

I ask the FWD agent inside SB regarding Peso Nitro and she mentioned to me that the Principal after 5yrs will depend on the market condition so not guarantee your principal money will be intact after 5yrs. Also, the quarterly payout of 1.45% is not guaranteed. What I like about this the principal amount you can withdraw it anytime within the 5yrs period but you will get some deductions but after 5yrs there will be no more deductions should you opt to withdraw your money but then again the principal amount is not guaranteed. This is so far what I know. In case the FWD insurance company closes, your money will be gone?

[uls]

^^^

yes hindi guaranteed coz they invest in stocks

pano pag bagsak ang stocks at the time you want your principal back

-

In case the FWD insurance company closes, your money will be gone?

yes

coz it's a separate company (insurance company)

hindi covered ng PDIC