What Are Good Paper Investments Nowadays?

[sparc179]

Looking to diversify, we already have some in real estate, retail businesses, a 6.3% TD in a stable bank, also some corporate bonds in another.

What else is available locally now? Mutual funds are not doing so well, as is UITFs, do we wait for some good RTBs? T-Bills?

LTNCDs are great, but we can only acquire from the secondary market. What else is out there now?

Share nyo naman mga good investment vehicles nyo dyan mga masters and finance gurus.

[sirkosero]

Looking to diversify, we already have some in real estate, retail businesses, a 6.3% TD in a stable bank, also some corporate bonds in another.

What else is available locally now? Mutual funds are not doing so well, as is UITFs, do we wait for some good RTBs? T-Bills?

LTNCDs are great, but we can only acquire from the secondary market. What else is out there now?

Share nyo naman mga good investment vehicles nyo dyan mga masters and finance gurus.

I hear pagibig mp2 is good

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[sparc179]

I hear pagibig mp2 is good

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I heard about that, haven't really checked it out yet but now is certainly a good time to do some research.

The only worry I have about GOCCs is how these unscrupulous politicians often use these fund institutions to embezzle the public's money.

Still, thanks very much for the suggestment Sir-kosero! Much appreciated.

[myas110]

I hear pagibig mp2 is good

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May I ask, what is the MP2 that PAGIBIG is offering, and what are its benefits, advantages and disadvantages?

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[sirkosero]

May I ask, what is the MP2 that PAGIBIG is offering, and what are its benefits, advantages and disadvantages?

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Its a saving program that is guaranteed by the government. Guaranteed in a sense that the face amount will never go down even if pagibig's investments go bankrupt. So if you put in 10k and pagibig have negative growth, you still get your 10k back. Its guaranteed by the governement so only way you lose money is if the government collapses, in which case everything in bank that is pesos loses value, even the money in your wallet.

Down side is your money is tied to pagibig for the next 5 years. But its returns is around 8% per annum so compounded in 5 years, malaki din. Very low risk with moderately high returns

Pwede ka din maghulog monthly. But the returns are not that big anymore

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[sparc179]

Down side is your money is tied to pagibig for the next 5 years. But its returns is around 8% per annum so compounded in 5 years, malaki din. Very low risk with moderately high returns

Pwede ka din maghulog monthly. But the returns are not that big anymore

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This is one disadvantage with the MP2 product. You cannot get periodic dividends, unlike TDs with monthly, Bonds with quarterly pay outs and other products.

With MP2, your money has to stay with them for the whole term before you get any funds back.

IMHO, most people are just more comfortable getting regular dividends.

[sirkosero]

This is one disadvantage with the MP2 product. You cannot get periodic dividends, unlike TDs with monthly, Bonds with quarterly pay outs and other products.

With MP2, your money has to stay with them for the whole term before you get any funds back.

IMHO, most people are just more comfortable getting regular dividends.

Pwede. Mamimili ka payout kung annual or compounded

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[xwangbu]

boss san bank yang 6.x % na TD?

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[sparc179]

boss san bank yang 6.x % na TD?

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Bank of Makati boss, in line with their 63rd founding anniversary.

Dati na kaming may 5-year placement sa kanila, nag mature this year lang. Kaya nag place kami ulit, 1M.

Joint account kami ni misis, 500K each para covered parin ng PDIC.

Still better than a lot of other paper investments, and this has a good safety net just in case.

HTH.


Sana may mag share din ng investment portfolio nila. Wag madamot, bad yan!

[Verbl Kint]

Even at 7% per annum, your ₱100k nets you about ₱40k in 5 years. That's guaranteed.

Better than any bank at the moment.

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[sirkosero]

Even at 7% per annum, your ₱100k nets you about ₱40k in 5 years. That's guaranteed.

Better than any bank at the moment.

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The 100k is guarateed. Not the 40k. Pwede ka pa din mag 0 although past 7 years interest is between 6-8% per annum

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[fleas2016]

Sharing what my friend found

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[_Qwerty_]

one doesn't need to enroll in MP2 program.. kahit yung regular pag ibig lang.. just increase your monthly contribution..

I did this and have withdrew it after 20 years.. was contributing 2T per month.. withdrew over 500T after 20 yrs..

Sharing what my friend found

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[xninjax]

one doesn't need to enroll in MP2 program.. kahit yung regular pag ibig lang.. just increase your monthly contribution..

I did this and have withdrew it after 20 years.. was contributing 2T per month.. withdrew over 500T after 20 yrs..

Could you share the exact amount when you say over 500T? I would like to do the math.

[_Qwerty_]

hindi kasi buong 20 years naka 2T ako, siguro first 3 years mababa lang hulog then ni adjust ko lang to 2T.. just a little over 500T yung nakuha ko after 240 contributions.. then i started over again.. 2T per month pa din..

Could you share the exact amount when you say over 500T? I would like to do the math.

[Walter]

240 months x 2T = 480T ... 528T / 480T = 10% over 20 years ... 0.5% per annum ...

[RustyXIII]

Looking to diversify, we already have some in real estate, retail businesses, a 6.3% TD in a stable bank, also some corporate bonds in another.

What else is available locally now? Mutual funds are not doing so well, as is UITFs,

Hence the best time to get into them. You'll be buying at a discount.

[sparc179]

Hence the best time to get into them. You'll be buying at a discount.

Thanks for the insight sir. Care to share which products are good to get into right now? Any particular bank or company?

Do you have any in Equities? Money markets?

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[Walter]

Careful ... many are expecting a bear market soon ... in other words, price may still go down by next year ...

[sparc179]

Careful ... many are expecting a bear market soon ... in other words, price may still go down by next year ...

I was told the same, sir Walter.

Second quarter of 2020 daw. [emoji3525]

So I guess now would be a good time to reel back a bit? I have some funds that just need to be put somewhere safe but with a realistically good yield. My risk appetite is somewhat on the medium side right now.

7% P.A. is reasonable enough for me.

There's still money to be made even on a down cycle, yes?