To withdraw or not to withdraw(My SUNLIFE Balanced Fund)

[bongliza]

I invested my little savings to SUNLIFE Balanced Fund a couple years ago. Now, I have check my investment and woooow... am losing almost 40% already. I dunno what to do next whether to withdraw and absorb the loss or just keep it and pray that it can recover somehow someday. Need your opinion guys... pinagpawisan ko talaga yung money na yun...

[ghosthunter]

Well, if you don't need the money, I suggest you keep it in and monitor it from time to time. Chances are it would go back to its starting value and might even grow given some more time.

[bongliza]

thanks GH, yan din iniisip ko. I am just worried, kasi there are some market analysis na "worst still to come" daw by next year. I can see some retrenchment already from big companies. we'll, i just hope it won't.

[uls]

yep just hang in there

[ghosthunter]

thanks GH, yan din iniisip ko. I am just worried, kasi there are some market analysis na "worst still to come" daw by next year. I can see some retrenchment already from big companies. we'll, i just hope it won't.

Well, as long as your loss is just on paper, it is not yet actual loss. I had a bond fund which lost 30% in value soon after I placed it but it recovered and went up by 40% in value after a year and a half later by the time I encashed it.

[morrissey_05]

my opinion: cut your losses. buy again when the market gets better.

[mikey177]

I consider mutual funds as long-term investments. I will not touch them for the next 10 or more years. Hindi ko nalang pinapansin yung mga upward at downward movement ng value nya, kasi taas baba naman talaga ang mga investment instruments. Even recession or economic depression is cyclic in nature, it happens every couple of years or decades. Whenever the market goes down, for sure it will eventually move up again in the future.

I plan to hold on to my mutual fund placements and I will only withdraw them after I have retired, if the market is up at that time. However, it also pays to diversify or put one's money in many different investment vehicles, so that a downturn in one type of placement will hopefully be offset by good performance of other investments.

[tidus1203]

Malas mo na lang kung ngayon mo kailangan yung pera then the market is clobbered. I guess you gotta delay your retirement pops

[bongliza]

Malas mo na lang kung ngayon mo kailangan yung pera then the market is clobbered. I guess you gotta delay your retirement pops

di ko pa naman kailangan yung pera. I'm just worried about the company itself. Baka mamya mag de declare din sila ng bancruptcy suddenly just like the big companies in US. Well I hope it won't happen. SUNLIFE has been running for decades and I hope matatag pa din sila despite this slowing economy. My further question would be, What do you think of this co.? SUNLIFE?

[tidus1203]

Yeah I doubt Sunlife will collapse they are not into the same kind of monkey business Citigroup has been doing during the housing bubble.

[creepy]

di ko pa naman kailangan yung pera. I'm just worried about the company itself. Baka mamya mag de declare din sila ng bancruptcy suddenly just like the big companies in US. Well I hope it won't happen. SUNLIFE has been running for decades and I hope matatag pa din sila despite this slowing economy. My further question would be, What do you think of this co.? SUNLIFE?

A mutual fund is separately incorporated and owned by the investors themselves. If the fund manager goes belly-up, the investors will still be kept whole.

[zero]

meron din ako dito sa sunlife balanced fund.
dito ko inilagay ang gsis salary loan ko.
i'm just hanging on na lang muna and hoping that the market will improve when obama will take his oath. kapag nag-improve, dun ko na lang babawiin ang pera para ilagay sa time deposit, parang mas safe ang pera ko sa bank.

[bongliza]

meron din ako dito sa sunlife balanced fund.
dito ko inilagay ang gsis salary loan ko.
i'm just hanging on na lang muna and hoping that the market will improve when obama will take his oath. kapag nag-improve, dun ko na lang babawiin ang pera para ilagay sa time deposit, parang mas safe ang pera ko sa bank.

mmmm.... i may be putting more money to my Balanced fund when the economy goes up...hehe

[bongliza]

meron din ako dito sa sunlife balanced fund.
dito ko inilagay ang gsis salary loan ko.
i'm just hanging on na lang muna and hoping that the market will improve when obama will take his oath. kapag nag-improve, dun ko na lang babawiin ang pera para ilagay sa time deposit, parang mas safe ang pera ko sa bank.

mmmm.... i may be buying fresh fund when the economy goes up...hehe

[chua_riwap]

I have mine w/ BPI (ALMF). So far, ok naman. But natakot din ako, last April 2007, biglang bumagsak. Then nag-recover din after that. As of now, ok naman, at unti-unti, pataas yung value nya per unit.

[1D4LV]

40% loss? since you dont need the money naman, i would suggest for you to keep in in there na lang.

kung mga 10%-15% pa lang loss mo, i would advise you to bail out.

[bongliza]

thnaks 1D4, I will take note on that...

[jeDi13]

Don't pull-out your money. Your losses are unrealized anyway. Once you pulled-out your money, that's the only time you will feel your losses. One of the strategies you can do is to buy some more shares while the price is low. Once the NAVPS goes higher than your newly invested money, your old investment will cut some losses and at the same time your new investment will earn. It will greatly impact cutting your overall losses.

Some more suggestions:
- investing in Mutual Funds is a long-term investment
- never pull-out your money if you have losses, unless you badly need them
- when placing investments in Mutual FUnds, divide your total investment to average the cost
- Sun Life has been operating here in the Philippines for 113 years already. they survived the world wars. need I say more?

good luck in your investment

[working pinoy]

Don't pull-out your money. Your losses are unrealized anyway. Once you pulled-out your money, that's the only time you will feel your losses. One of the strategies you can do is to buy some more shares while the price is low. Once the NAVPS goes higher than your newly invested money, your old investment will cut some losses and at the same time your new investment will earn. It will greatly impact cutting your overall losses.

Some more suggestions:
- investing in Mutual Funds is a long-term investment
- never pull-out your money if you have losses, unless you badly need them
- when placing investments in Mutual FUnds, divide your total investment to average the cost
- Sun Life has been operating here in the Philippines for 113 years already. they survived the world wars. need I say more?

good luck in your investment

Wow! Galing ng pagka-explain. Very clear. very educational.

[yebo]

the economy is down, share prices are down. THIS IS THE TIME TO BUY!!!

if you sell now then you lose money. remember, buy low sell high. you will be doing the opposite, you bought high then sell low. baligtad!

i have also money in sunlife, and though it gained more than 70% it now lost 50+%. so up pa din ako. ganun talaga up and down, but on the average it will always go up no matter what. in fact because the price is down we just made additional 75k purchase last 2 months hehehe. and i repeat, buy low sell high. pero ako no sell kahit high kasi ayaw ako bayad ng front end commision hehehe. pang retirement yan kaya back end. at sana pag retire na ako e very very high na siya!