Good business for 100k budget?

[C#@RD]

11 Ways to Invest Your P100,000 with the Lowest Risk

Posted by: Leo in News, Tips & Articles 1,153 Views

Okay, let’s say you have a hundred grand to spare. You have no financial obligations like credit card debt or immediate financial needs like travel. Where do you invest P100,000? Here are some options:

1. Special savings deposits. You can place the money in a special savings account that earns a much higher interest than a regular savings account.

2. Time deposits. “P100,000 can be invested in a variety of ways. If you can’t tolerate any risk and would like your money to be near cash, or very liquid, stick with time deposits,” says J. Randell Tiongson, a Registered Financial Planner (RFP).

3. T-bills. If you want relative safety, place your money in short-term government securities like Treasury bills (T-bills).

4. RTBs. You can also invest in longer-term government securities like Fixed Rate Treasury Notes (FXTNs). Alternately, you can invest in Retail Treasury Bonds (RTBs), which require much smaller amounts.

5. UITFs. Unit Investment Trust Funds (UITFs) are pooled funds that trust departments of commercial banks invest in various securities.

6. Mutual funds. Similar to UITFs but more regulated, mutual funds pool money from thousands of investors. There are different types depending on your investment objectives. Randell explains, “Mutual funds and UITFs may be good options as they show good capital appreciation especially if you hold on to them for a long time.”

7. Stocks. You can buy shares of publicly-listed stocks and ride the current bull run. “There’s always the stock market if you can take the risk,” says Randell, adding, “Another option is an equity-based mutual fund or UITF that can take care of managing the stock investments for you.”

8. Foreign currency. You can exchange your P100,000 into foreign currency like the euro. Banks and forex brokers let you do this.

9. Insurance plans. Whole life insurance plans have a savings component. A variation is the variable (also called unit-linked) insurance plan, which gives you greater control on how your premiums are invested.

10. Endowment plans. These are insurance products that don’t provide lifetime coverage. They are often positioned as investment products because the emphasis is on the returns. Randell says, “You can also opt to purchase a single pay life insurance with an investment portion or an endowment. You can grow your money and get some insurance coverage while waiting.”

11. Pension plans. You can buy a pre-need pension plan, that is, if you’re undeterred by the negative news on certain pre-need companies.

Now, which is best? Well, it depends on your objective, risk appetite, and time frame. Randell concludes, “Just remember the general rule: the higher the yields are, the higher the risk.”


http://www.mixph.com/2008/01/11-ways...west-risk.html

This might also help

http://www.entrephelp.mixph.com/

[C#@RD]

sorry double post.

[shotokan]

1. buy a good pc and connect to a good broadband isp.

2. if you know computer graphics, programming or you have english teaching skills or education (etc.) you can find a foreign employer who will give you a job which allows telecommuting. (contact me for the website)

3. earn in foreign currencies but be prepared to work at night! they can pay you via paypal so apply for a paypal account.

alternate to no. 2: hire somebody to do the work for you!

This works since I've been doing this for a year now! I started with 4 employees and now I have 9!

looks interesting... can you include me in your PM's... for the website thanks very much...

[gearspeed]

I'm looking for a partner in business.

[Enrikez]

GSM business, pasok na pasok na yan. pero ang tanong ko ano ba ang linya mo? kasi kung magtatayo ka ng isang negosyo kailangan alam mo para incase kung may tauhan ka kapag di pumasok kaya mo gumawa. yung iba kasi may capital sila pero yung pinasok nilang negosyo di naman nila alam patakbuhin. kaya nangyayari kadalasan mga ilang buwan pa lang bagsak na negosyo. so ang una mo gawin ay pag-isipan mabuti bago ka magsimula ng negosyo na itatayo mo. lalo na kung yang 100k na yan ay tagal mo pinag-ipunan tapos ilang iglap lang mawawala na.

[b1rken5tock]

try franchising Ben's Ham Bur JER...


oooffffssss,,, sori.. kulang ang 100k...kasi yung Bur Jer is 400k na yata..

[panj7777]

1. buy a good pc and connect to a good broadband isp.

2. if you know computer graphics, programming or you have english teaching skills or education (etc.) you can find a foreign employer who will give you a job which allows telecommuting. (contact me for the website)

3. earn in foreign currencies but be prepared to work at night! they can pay you via paypal so apply for a paypal account.

alternate to no. 2: hire somebody to do the work for you!

This works since I've been doing this for a year now! I started with 4 employees and now I have 9!

sir pls PM me the site. thanks!

[Ry_Tower]

Ice scramble!

[rice]

ok din pa pm poh ng sitetnx

[juntzo]

ok din pa pm poh ng sitetnx

pm's sent! if i forgot anybody please pm me. sorry for the late reply. i've been busy!

good luck guys... beware of scams, like if they will ask for money!
check often the parttime link coz ads are added daily!

[lnce420]

Re: Good business for 100k budget?

pm link pls

[sysop]

Habang nag-iisip po kayo ng business, try nyo po muna ilagay yan sa Sun Life Financial, tamang tama minimum of 100K ang sa investment nila. Sobrang ganda ng interest sa Sun Life compared sa mga bank/time deposits. Ang laki ng difference. ;)

[1D4LV]

100k?
i am thinking is a t-shirt business.
actually, we are also thinking about this one, wherein we print shirts containing inspirational quotes or the ones with inspirational designs. i seldom see shirts coming out this way nowadays.

timo yung business nung isang reporter na nagcocover ng zte senate hearings. tumabo ata sya dun sa mga t-shirts nya na may nakalagay na "bubukol ito", and "moderate the greed.."

[jonvic]

pm's sent! if i forgot anybody please pm me. sorry for the late reply. i've been busy!

good luck guys... beware of scams, like if they will ask for money!
check often the parttime link coz ads are added daily!

sir, can you also pm me the site. thanks!

[junkun13]

pm's sent! if i forgot anybody please pm me. sorry for the late reply. i've been busy!

good luck guys... beware of scams, like if they will ask for money!
check often the parttime link coz ads are added daily!

pa pm din sir

[rockiee_s]

pa-pm na rin ng site.....

thank u.

[piscesboy]

ako din po interesado sa site. please pa PM din po. salamat