Sun Life Financial Balanced Fund - Is it a good time to invest?

**robot.sonic** · November 8th, 2010 12:01 PM

Mga gurus,

Plano ko kasi mag open ng balanced fund sa Monday next week (November 15, 2010). Yung minimum na required lang muna ang ilalagay ko.

Mali ba timing ko?

Di ko pa maintindihan masyado ang mga bagay bagay na ganyan kaya asa muna ako sa opinions nyo.

Sa pagkakaexplain sa akin, may option din ako kung saan majority ilalagay yung pera. Low risk o high risk. Sa high risk ako.

salamat

robot.sonic

**uls** · November 8th, 2010 12:25 PM

that's one of sunlife's mutual fund products

the balanced fund invests in stocks and bonds

unlike an equity fund which invests only in stocks, and a bond fund which invests only in debt (govt, corporate), a balanced fund invests in both

stocks are riskier but can give you higher returns

bonds have lower risk (except HY or junk)

a balanced fund gives you both the safety of bonds and the potential high returns of stocks (so you're diversified)

sorry i can't comment on timing

--

BTW, kung high risk ka, mag equity fund ka nalang

again, i won't comment on timing

**robot.sonic** · November 8th, 2010 12:52 PM

salamat sir.

check ko yung equity fund.

pero tama ba? na may option ako kung saan iinvest ng FM yung funds kahit balanced fund ang kukunin ko? majority sa high risk, at yung remaining sa low risk? Or decision nya na yon lahat? Di ko gaanong natanong e.

robot.sonic

**uls** · November 8th, 2010 01:01 PM

i don't think you can decide where the fund manager puts the fund's money

you mean like in a balanced fund, you can tell the FM damihan niya ang stocks, bawasan ang bonds?

it doesnt work that way

remember, your money is just part of a much larger pool of money from other mutual fund customers

a single customer cannot decide the allocation of the fund

if you want control, huwag ka mag mutual fund

open a stock trading account if you want to invest in equities

or buy bonds directly if you wanna invest in govt or corporate bonds

**robot.sonic** · November 8th, 2010 01:06 PM

May questionnaire kasi na pinifill-upan. Parang assessment ng risk tolerance ko. Akala ko may kinalaman yon sa magiging hati ng low at high risk.

Since baguhan lang naman ako sa ganito at wala pang alam, ok muna siguro to. para lang ma condition ang sarili ko.

Palagay mo sir, tama ba decision ko?

salamat sir.

**uls** · November 8th, 2010 01:28 PM

the questionnaire was to determine which fund is right for you based on your risk tolerance

kung equity (high risk) or bond (low risk) or balanced

usually they offer balanced fund sa mga new mutual fund customers

as for your decision, sorry i can't comment po