Mutual Funds, Bond, Treasury Bills etc.

[qman]

Mga peeps anong take nyo rito:

Me investment ako sa BDO and it earns an average of 0.93 - 1 percent a month.

Im planning to put some investments sa Phil Equity or sa mutual fund but im still studying their performance and prospectus.

Wala akong alam sa stocks and mukhang mataas ang risk doon.

Post your experience sa mutual or any other investment na nagawa nyo na.

thanks

[the_wildthing]

Mga peeps anong take nyo rito:

Me investment ako sa BDO and it earns an average of 0.93 - 1 percent a month.

Im planning to put some investments sa Phil Equity or sa mutual fund but im still studying their performance and prospectus.

Wala akong alam sa stocks and mukhang mataas ang risk doon.

Post your experience sa mutual or any other investment na nagawa nyo na.

thanks

Woah! 0.93 percent per month medyo malaking pera yata yun...

First key to successful investing: diversification. Don't put all your eggs in one basket. Nuff said.

Re: Mutual Funds - they are for medium to long term investments. It's good for small investors. If you have a huge amount of cash wanting to make a one time investment, other instruments might yield a better return.

[sequoia]

Magkano ang minimum investment para sa 0.93-1% / month?

[dx8976]

are you talking about their uitfs?
mostly treasury notes and other similar government bonds yan.
those seem to be the most readily available in the market right now.
you could try other banks with similar products, pero pare pareho naman mostly ang laman, iba lang ang distribution ng cash.
my investment experience is pretty cliche, more risk = more reward.
1% a mo is pretty good for a pretty low risk investment.

[kimpOy]

UTIF formerly known as mutual funds ang minimum ay 10,000 pesos...
ok ito kung hindi mo gagalawin, let it grow ika nga

yung treasury bills, government ito, pinapautang mo ang gobyerno and risk free ito...

all of this are passive investment para pag retire mo may pera ka...

bilhin moang book ni francisco colayco "pera mo palaguin mo wealth within your reach"
or panoorin mo ang moneytalk sa channel 9

[silverbx986]

Mga peeps anong take nyo rito:

Me investment ako sa BDO and it earns an average of 0.93 - 1 percent a month.

bosing, what's BDO? laki nyan 1%. pano ba mag-invest dyan.

[ILuvDetailing]

silver: BDO -> Banco De Oro.

[theveed]

Did that before yung sa BDO, ok sya, had to pull it out dahil manganganak na si misis nun, but ok naman sya, we're going back at it as soon as steady na ulit cashflow

[silverbx986]

tenx ILD laki kse ng interest.

[oldblue]

fixed for how long daw yan 0.93%? laki ah! and net na ba?

I also received a letter from BPI. they're offering 9.25% annual TD pero 2 years naman.

but this are deposits, so safe. with utif's naman, may risk din yan d'ba in case
malugi yun corporation na nag-issue ng bond? in the case of T-bills, T-bonds
naman, yan ang mahirap coz kapag patuloy na nambubwisit ang opposition, may
possibility maging junk bonds kapag hindi naging magandang ang credit review
standing ng P'nas which was mintik na mangyari kundi na-implement 12% E-vat.

since mutual fund naman pala yan utif, so I guess equal naman pala risk coz
BDO will invest your money on both stocks and bonds.

[van_wilder]

find a hedge fund manager or any funds manager... some 20-35% per annum ang return...

dapat mag manage ako ng funds pero idinelay ko muna... i want more experience kasi...

[bigbundle]

*van_wilder : how can one get in touch with a reliable fund manager as you mentioned? is the 20-35% return the norm? is this for a short term or long-term investment? Censya na sir sa dami ng tanong, interested lang and wala pang alam with these type of investments.

[van_wilder]

ako dapat... usually hedge funds are by invites... yes 20-35% ang avg. pero +/-200% ang risk to may talo so thats why dapat marunong talaga yun manager... and they do get a cut... 20% of the profits... so kung 20% profit, 16% lang iyo...

sa USA yun iba $1m ang minimum, pero meron din 100k... dito, 500k kapag experienced na... kapag medyo bata pa, who is after making profits and good portfolio, kahit maliit lang 50-300k okay na sa kanila... some 10k pwede na invest mo...

[warp]

UITFs are earning at that rate right now because of the mark-to-market valuation (as against old accrual method). Their holdings are marked-to-market everyday. Prices of their holdings, T-Bonds, T-Bills, etc., are going up right now because of the improved outlook on our country (lower interest rate). As you can note, sometimes the NAVPU fall on some days because of some profit-taking.

But once there's a coup or even a coup rumor, political instability, etc., expect the NAVPU to fall as interest rates will go up (investors will require add'l risk premium). Also, if the BSP increase the interest rate, expect the prices to fall. There's a inverse relationship between interest rate and the price of bonds. How much and how long will the NAVPU fall, will depend on the duration of the portfolio and the Fund Manager's ability to quickly rebalance the portfolio.

[boybi]

regarding UITFs, tama ba na hwag i-withdraw or i-pull out yung pera kapag nalugi yung investment para buo pa rin daw yung principal mo?

[warp]

UITF's value will depend on the NAVPU on the day of withdrawal. UITF are not insured by PDIC.

[niwde11]

magtatanong pa lang ako meron na pala. katatanong ko lang kanina, maganda nga interest. more info please especially the cons para alam ko limitation ko. wala munang coup ha.

[qman]

.93 percent ay average na yan
BDO is banco de oro, I calculated it as 0.933 percent noong nag tanong ako after six months nang pinasok ko ang pera. Ewan ko na lang ngayon kasi dipende sa NAV value at given time.

sabi nga ni Francisco Colayco at least 1 percent a month ang kita ng investment mo para makabawi ka sa inflation.

me mga banko na nagbibigay ng double your money in 5 years eh so ang annual interest noon ay 15-16 percent compounded. Kanya lang nga ang holding period eh 5 yrs din. Pero kung me patay na pera ka might as well put it there pero limit it sa 250K para sa PDIC insurance coverage

I heard na ang philequity and Mutualfund handles well din ang investment account anyone?

[niwde11]

qman; wala na yata double your money na 5 years. last 2003 or 04, 6.5 years na offer ng mga banks.

[qman]

qman; wala na yata double your money na 5 years. last 2003 or 04, 6.5 years na offer ng mga banks.

niwde11; First country bank still offer that

and they also offer the car buy back promo

Parang kung bibili ka ng cash na sasakyan sa halip na full cash ang ibayad mo 20 percent lang then let other bank finance the remaining 80 percent.

Tapos iyong 80% na cash mo eh invest mo sa kanila. They will take care of your monthly payment sa banko na inutangan mo then after 5 yrs eh bigay pa nila sayo ang 80% na cash na ininvest mo. Medyo magulo ba eto paliwanag sa primer nila eh hehehe.

www.firstcountryfinancial.com